PCS homebuying
Use your VA loan benefit during a PCS move.
Permanent Change of Station orders are a compressed, high-stakes version of every homebuying challenge: short timeline, long distance, and a family that needs certainty. VA purchase loans are designed to work under these conditions—when the team executing them understands military timelines.
- $8.6B+volume in the last five years
- 85%of our closed loans are VA
- 500K+military families educated
Why PCS buyers need a specialist, not a generalist
A loan officer who closes a few VA loans a year is not the same as one who closes VA files every week for buyers coordinating from another time zone, managing report dates, and negotiating with sellers who have questions about VA appraisals. The difference shows in how problems get solved under pressure—and whether they surface before or after you are under contract.
PCS VA purchase: the timeline that matters
Orders in hand
Start pre-approval immediately. You do not need to wait until you are close to the report date—getting a strong pre-approval early gives you more flexibility on offer timing.
60–90 days out
Begin active home search with a VA-savvy agent in the destination market. Tour virtually if you cannot travel yet—video walkthroughs are standard for military buyers.
Under contract
VA appraisal ordered, title opened, disclosures signed. Keep your loan officer updated on any changes to income, orders, or timeline so nothing surprises underwriting.
Closing & occupancy
VA requires occupancy within 60 days of closing in most cases. Remote closings and power-of-attorney closings are available when you cannot be physically present.
Using VA benefit across multiple PCS moves
- VA entitlement can be restored once you sell and pay off a prior VA loan.
- Remaining entitlement can be used simultaneously with a prior VA loan still outstanding (bonus entitlement).
- No minimum residency period before you can convert a VA-purchased home to a rental when you PCS again.
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