PCS & VA Loan Guides
Written by an active-duty service member — the housing questions every PCS raises, answered in plain language with current numbers.
VA Loan Basics
Eligibility, entitlement, zero down — and how the process actually runs on a PCS timeline.
VA Funding Fee (2026)
The current fee table, what you’ll actually pay, and who is exempt.
VA Loan vs. Conventional
When the VA loan wins, when it doesn’t, and the myths sellers believe.
How BAH Actually Works
With/without dependents, rate protection, and what changes when you PCS.
Buy or Rent at Your Next Base?
A framework built on BAH math and time-on-station — not real estate hype.
PCS Housing Checklist
Orders to keys: the housing decisions and deadlines in order.
Buying Near a Specific Base
The BAH math, local buy-vs-rent reality, and exit planning for the biggest PCS destinations.
Fort Bragg
Fayetteville, NC · Army
Fort Hood
Killeen–Temple, TX · Army
Fort Campbell
Clarksville, TN / Hopkinsville, KY · Army
Fort Carson
Colorado Springs, CO · Army
Fort Bliss
El Paso, TX · Army
Fort Benning
Columbus, GA / Phenix City, AL · Army
Fort Stewart
Hinesville / Savannah, GA · Army
Camp Lejeune
Jacksonville, NC · Marine Corps
Camp Pendleton
Oceanside / North County San Diego, CA · Marine Corps
Joint Base Lewis-McChord
Tacoma / Lakewood, WA · Joint
Naval Station Norfolk
Norfolk / Hampton Roads, VA · Navy
Joint Base San Antonio
San Antonio, TX · Joint
Naval Base San Diego
San Diego, CA · Navy
Eglin AFB
Fort Walton Beach / Niceville, FL · Air Force
Nellis AFB
Las Vegas, NV · Air Force
Fort Drum
Watertown, NY · Army