Receiving PCS orders can be both exciting and overwhelming. You're not just moving to a new duty station — you're navigating a new housing market, often with limited time on the ground. At National Mortgage Home Loans, we understand the unique challenges military families face during a PCS move.
”At NMHL, we work with borrowers in exactly this situation every day. We understand the uncertainty, the frustration, and the worry that comes with navigating a mortgage during a significant life event. You are not alone, and your situation does not have to be a barrier to homeownership.
Our licensed loan officers specialize in finding the right path forward for borrowers in complex circumstances. Whether your situation requires specialized documentation, alternative qualification methods, or simply a lender who takes the time to understand your full financial picture, we are here to help you move forward with confidence and clarity.
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Streamlined VA Loan for PCS Moves
Our VA loan program is designed specifically for military families relocating due to PCS orders. With NMHL pre-approval, you can make an offer with confidence, even before arriving at your new duty station.
Keeping Your Current Home as a Rental
If you're moving due to PCS orders but don't want to sell your current home, you can keep it as a rental property. Our team can help you understand how your existing mortgage will be affected and explore options for your new purchase.
Temporary Lodging Allowance Strategy
Tight timelines shouldn't force you into a rushed home purchase. We can help you understand your Temporary Lodging Allowance (TLA) coverage while you search for the right home at your new duty station.
PCS Move Mortgage Planning
Our experienced mortgage planners will work with you to create a personalized mortgage plan that fits your PCS move timeline. From pre-approval to closing, we'll be with you every step of the way.
Personalized Guidance for Your Situation
No two mortgage journeys are alike. Our experienced advisors take the time to understand your unique circumstances and find the best path forward.
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Understanding Your VA Loan Benefit During a PCS Move
As a military family relocating due to PCS orders, you're not alone in navigating the home buying process. Your VA loan benefit is a valuable resource that can be used at your new duty station. With National Mortgage Home Loans, you can get pre-approved for a VA loan and make an offer with confidence, even before arriving at your new location.
Your VA loan benefit offers several advantages, including 0% down payment requirements and competitive interest rates. We understand the unique challenges military families face during a PCS move and are here to guide you through the process.
Get pre-approved with NMHL today and take the first step towards buying your new home.
Managing Your Existing Mortgage During a PCS Move
- If you own a home at your current duty station, you have options for managing your existing mortgage during a PCS move.
- You can keep your current home as a rental property, using rental income to offset your mortgage payments.
- If you decide to sell, the Servicemembers Civil Relief Act (SCRA) may provide protections.
- Our team can help you understand how your existing mortgage will be affected and explore options for your new purchase.
We'll work with you to create a personalized plan for your existing mortgage, ensuring a smooth transition during your PCS move.
Contact us to discuss your existing mortgage options and get pre-approved for your new home.
Temporary Lodging Allowance Strategy for PCS Moves
Tight timelines shouldn't force you into a rushed home purchase. If you're struggling to find a permanent home immediately, you can use your Temporary Lodging Allowance (TLA) to cover temporary housing costs while you continue your home search.
This gives you time to explore your new location, research neighborhoods, and find the right home for your family without feeling rushed into a purchase. We can help you understand your TLA coverage and plan your mortgage accordingly.
Let's discuss your TLA options and create a mortgage plan that fits your PCS move timeline.
Streamlining Your Mortgage Process with NMHL
At National Mortgage Home Loans, we specialize in helping military families navigate the mortgage process during a PCS move. Our streamlined VA loan program is designed to make it easier for you to buy a home at your new duty station.
With NMHL pre-approval, you can make an offer with confidence, even before arriving at your new location. Our experienced mortgage planners will guide you through the process, from pre-approval to closing.
Get started with NMHL today and experience a smoother mortgage process during your PCS move.
Frequently Asked Questions About PCS Moves and Mortgages
We understand that you may have questions about how a PCS move will affect your mortgage. Here are some answers to frequently asked questions:
- Can I use my VA loan benefit if I've already used it before?
- How do I start the home buying process before arriving at my new duty station?
- What happens to my existing mortgage if I get PCS orders?
For more information and personalized guidance, contact National Mortgage Home Loans today.
Have more questions? We're here to help — contact us for personalized guidance.
Frequently Asked Questions
Yes, you can reuse your VA loan benefit. If you have remaining entitlement, you can use it to purchase a new home at your duty station. Your lender can help calculate your remaining entitlement. For example, if you have $50,000 in remaining entitlement and the VA loan guaranty is 25%, you may be able to purchase a $200,000 home with $0 down.
You can begin the home buying process remotely with PCS orders in hand. Many lenders, including National Mortgage Home Loans, work with military buyers nationwide and are experienced with remote transactions. Your real estate agent can tour homes via video, and closings can be handled through power of attorney or remote notarization. We recommend getting pre-approved before starting your home search.
Your existing mortgage continues normally. If you decide to keep the home, you can rent it out — VA loans allow this when PCSing. If you decide to sell, the Servicemembers Civil Relief Act (SCRA) may provide protections. If you're buying at your new station, your VA benefit can be used again. We can help you understand your options and create a plan for your existing mortgage.
Yes, it's possible to have two VA loans simultaneously if you have remaining entitlement after your first VA loan. This is common for military families who keep their previous home as a rental when PCSing. Your lender can calculate your remaining entitlement to determine if you qualify for a second VA loan.
Receiving PCS orders can actually help with mortgage pre-approval. We can use your PCS orders as documentation of your relocation, making it easier to get pre-approved for a mortgage at your new duty station. Contact us to discuss your specific situation and get pre-approved with NMHL.
If you're struggling to find a permanent home immediately, you can use your Temporary Lodging Allowance (TLA) to cover temporary housing costs while you continue your home search. This gives you time to explore your new location without feeling rushed into a purchase. We can help you understand your TLA coverage and plan your mortgage accordingly.