Know Your Benefit. Know Your Options.
Understand Your VA Home Loan Benefit Before You Use It.
Free calculators, educational resources, and home-buying tools designed around military life.
VA Loan Basics
Know what you've earned.
Typically No Down Payment
Eligible borrowers with full entitlement can generally purchase without a down payment, subject to applicable VA and lender requirements.
No Monthly Mortgage Insurance
VA-guaranteed loans do not require monthly mortgage insurance.
VA Funding Fee
A VA funding fee may apply. It can generally be financed, and certain eligible borrowers may be exempt.
Reusable Benefit
VA home loan entitlement can potentially be restored and used again when applicable requirements are met.
Free Tools
Tools for the next decision.
VA Purchase Calculator
BAH-Based Affordability Calculator
Rent vs. Buy Calculator
VA IRRRL Calculator
VA Cash-Out Calculator
VA Construction Information
Certificate of Eligibility Guide
VA Home-Buying Checklist
Calculators provide estimates for educational purposes and don't constitute loan approvals, commitments, or offers of credit.
The VA Loan Advantage
A smarter path to homeownership.
One of the most valuable benefits you've earned—and one of the smartest ways to finance a home. Discover why millions of military families choose a VA loan over other mortgage options.
$0 Down Payment
VA Loans Allow Qualified Service Members To Purchase With No Down Payment On Loans Within County Conforming Limits.
No PMI, Ever
Unlike Conventional Loans Under 20% Down, VA Loans Never Require Private Mortgage Insurance — Saving Hundreds A Month.
Competitive Rates
Because VA Loans Are Federally Backed, Rates Typically Run 0.25–0.50% Lower Than Comparable Conventional Loans.
Reusable Benefit
Your VA Entitlement Can Be Restored And Reused Across Multiple PCS Moves — Even Simultaneously In Some Cases.
Calculator Tools
Run the numbers, every way.
Estimate what you can afford, model a full VA purchase payment, or see if a streamline refinance is worth it — all in one place.
Enter Your Income, Debts, And Monthly Housing Costs. See The Max Home Price, Loan Amount, And PITI A VA Lender Will Comfort With.
How Much Home Can You Carry?
VA loans don't have a hard DTI ceiling. Approval depends on your full credit profile, residual income, and the automated underwriting (DU/LP) findings from your lender.
VA Loan Readiness
Build your home team.
Buying a home is one of the biggest financial decisions you'll make—and you shouldn't have to navigate it alone. MilitaryPCS connects you with trusted partners who will guide you through every step of the VA home buying process, from determining your buying power to protecting your investment before closing.
Complete each step to build your MilitaryPCS Home Buying Team and move forward with confidence.
Connect with a MilitaryPCS VA Loan Partner
Your dedicated MilitaryPCS VA Loan Partner will guide you through every step of the VA loan process, verify your eligibility, determine your buying power, and prepare you for a documentation-verified pre-approval before you begin house hunting.
Connect with a MilitaryPCS VA Loan Partner
Your dedicated MilitaryPCS VA Loan Partner will guide you through every step of the VA loan process, verify your eligibility, determine your buying power, and prepare you for a documentation-verified pre-approval before you begin house hunting.
Connect with a MilitaryPCS Real Estate Agent Partner
Once you know your buying power, it's time to find the right home. Your MilitaryPCS Real Estate Agent Partner understands military moves, PCS timelines, and the unique needs of military families.
Connect with a MilitaryPCS Real Estate Agent Partner
Once you know your buying power, it's time to find the right home. Your MilitaryPCS Real Estate Agent Partner understands military moves, PCS timelines, and the unique needs of military families.
Connect with a MilitaryPCS Insurance Agent Partner
Know your insurance costs before you make an offer. Your Insurance Agent Partner will compare quotes, identify discounts, and help you understand the true cost of homeownership.
Homeowners insurance is part of your monthly housing payment and can directly impact loan qualification. Two homes at the same price can have very different premiums based on location, age, roof condition, and claims history.
Don't wait until you're under contract to shop for insurance. Getting quotes early gives you a more accurate picture of your monthly payment and can help you avoid unexpected qualification issues or closing delays.
Connect with a MilitaryPCS Insurance Agent Partner
Know your insurance costs before you make an offer. Your Insurance Agent Partner will compare quotes, identify discounts, and help you understand the true cost of homeownership.
Homeowners insurance is part of your monthly housing payment and can directly impact loan qualification. Two homes at the same price can have very different premiums based on location, age, roof condition, and claims history.
Don't wait until you're under contract to shop for insurance. Getting quotes early gives you a more accurate picture of your monthly payment and can help you avoid unexpected qualification issues or closing delays.
Connect with a MilitaryPCS Home Inspector Partner
Protect your investment before closing. A professional inspection helps uncover issues that may not be visible during a showing, giving you the information you need before completing a purchase.
A VA appraisal determines value and confirms Minimum Property Requirements, but it is not a substitute for a comprehensive home inspection. A professional inspection uncovers issues that may not be visible during a showing.
A home inspection protects you. A VA appraisal protects the lender and the VA loan program. Every homebuyer should obtain an independent home inspection before completing a purchase.
Connect with a MilitaryPCS Home Inspector Partner
Protect your investment before closing. A professional inspection helps uncover issues that may not be visible during a showing, giving you the information you need before completing a purchase.
A VA appraisal determines value and confirms Minimum Property Requirements, but it is not a substitute for a comprehensive home inspection. A professional inspection uncovers issues that may not be visible during a showing.
A home inspection protects you. A VA appraisal protects the lender and the VA loan program. Every homebuyer should obtain an independent home inspection before completing a purchase.
Your MilitaryPCS Home Buying Team Is Ready
You've assembled the trusted professionals who will guide you from pre-approval to closing. Together, they'll help you navigate every step with confidence.
Insurance Guidance
Protect The Roof Over Your Family.
Homeowners, auto, umbrella, and PCS transfer — start early, compare carriers, and know what your zone requires before orders drop.
Homeowners Insurance
Standard HO-3 covers dwelling, personal property, and liability. Compare at least three military-friendly carriers before you close — USAA, AFI, and Farmers routinely bid PCS timelines.
Auto Coverage That Moves With You
State minimums vary widely across duty stations. Update your vehicle's garaging address — where it's parked overnight — before your PCS report date, add roadside for long-haul convoys, and stack multi-vehicle plus military discounts.
Personal Umbrella Liability
$1M–$5M layered above your home and auto limits. Cheap, and essential once you own rental property, coach youth sports, or entertain frequently on-base.
PCS Transfer & Bundling
Do NOT let coverage lapse mid-move. Transfer or rewrite policies with the same carrier when possible, bundle home+auto+umbrella for 10–25% off, and confirm rental coverage on TLF stays.
Featured Agents
Verified insurance pros who serve military families
Seat #001 · Example
Sample Agent
Military-friendly home, auto & umbrella coverage.
Join the Network →Seat #002 · Reserved
Your Profile Here
Join free. The first 1,000 qualifying pros receive a permanent Founding Member designation.
Join the Network →Seat #003 · Reserved
Your Profile Here
Join free. The first 1,000 qualifying pros receive a permanent Founding Member designation.
Join the Network →Seat #004 · Reserved
Your Profile Here
Join free. The first 1,000 qualifying pros receive a permanent Founding Member designation.
Join the Network →Lower-Cost VA Loans
No junk fees. No surprises.
Our VA loan partners at MilitaryPCS deliver lower-cost VA loans so military families never get charged origination fees, underwriting fees, or processing fees. We believe you shouldn't have to break the bank to use the entitlement you've earned to buy a home for your family.
No Origination Fees
Keep more of your entitlement working for you — not lining a lender's pocket.
No Underwriting Fees
The VA already backs your loan. You shouldn't pay extra for someone to review it.
No Processing Fees
Your paperwork shouldn't come with a surcharge. We keep the process lean and honest.
Mortgage Loan Professionals
Verified VA loan experts.
Optional: contacting a professional is your choice. You are leaving MilitaryPCS's educational tools to connect with an independent, licensed mortgage professional — MilitaryPCS is not a lender, does not make credit decisions and does not accept payment to influence which lender you choose. Check each professional's NMLS record before sharing personal information.
Seat #001 · Example
Sample VA Loan Officer
VA loan specialist helping military families with $0 down pre-approvals.
Join the Network →Seat #002 · Reserved
Your Profile Here
Claim a Founding Member seat — first 1,000 pros only.
Join the Network →Seat #003 · Reserved
Your Profile Here
Claim a Founding Member seat — first 1,000 pros only.
Join the Network →Seat #004 · Reserved
Your Profile Here
Claim a Founding Member seat — first 1,000 pros only.
Join the Network →Build Your Home-Buying Team
Mortgage Professional
Understand financing options, eligibility, estimated costs, and the pre-approval process.
Find a Mortgage Professional →Real Estate Professional
Explore properties and communities around your duty station and budget.
Find a Real Estate Professional →Insurance Professional
Understand potential insurance costs before buying.
Find an Insurance Professional →Home Inspector
A VA appraisal and an independent home inspection serve different purposes.
Find a Home Inspector →Don't Compare Only the Rate
Compare the Whole Loan.
Ask:
- What is the interest rate?
- What is the APR?
- Am I paying discount points?
- What lender or broker fees am I paying?
- Am I receiving lender credits?
- What is my estimated cash to close?
- What is my estimated monthly payment?
- How quickly can you close?
Important Disclosure
MilitaryPCS is a private platform and isn't affiliated with or endorsed by the U.S. Department of Veterans Affairs, Department of Defense, or any government agency.
Directory listings aren't government endorsements.
Mortgage licensing can be verified through NMLS Consumer Access.
Official VA home loan information should be confirmed through VA.gov.