Big home savings for your service

As an active duty or retired military service member, you're entitled to exclusive mortgage benefits

As a member of our military, you are eligible for a special government-insured VA loan:

No down payment required
Split entitlement accepted
Low-interest rates
Fast closings — usually in an average of 20 days
No private mortgage insurance (PMI)

Let us help you get into the home you've always wanted. All with special mortgage terms and a high level of extraordinary service. Plus, elite pricing for credit scores starting at 640.

You served our country. Now let us serve you.

Start Your VA Loan Journey Today!

PCS? No Worries—Buy Your Next Home Without Selling the First

Military life often means moving—and sometimes sooner than you planned. But your VA home loan benefits are flexible enough to keep up with your service.

Here’s the great news:

If you purchased your home with a VA loan and receive Permanent Change of Station (PCS) orders, you don’t have to sell your current home to buy another one at your new duty station.

How It Works

✅ Use Your Remaining VA Entitlement
Even if you already have a VA loan, you may have enough remaining entitlement to buy another property. This allows you to keep your existing home as a rental or investment property while purchasing your next home with little or no down payment.

✅ Potential Rental Income
If you plan to rent out your current home, the potential rental income might help offset that mortgage payment, improving your debt-to-income ratio when qualifying for your new loan.

✅ Build Long-Term Wealth
Owning multiple properties can be a powerful way to build wealth and financial security for your future. Instead of selling, you’re growing your investment portfolio while continuing to serve your country.

✅ Smooth Transition for Your Family
Relocating is stressful enough. VA loan flexibility helps ensure your family has a comfortable place to call home in your new city—without the pressure of selling quickly.

Common Questions About PCS and VA Loans

Can I have two VA loans at the same time?
Yes—in some cases, you can. It depends on how much of your VA entitlement is still available and the loan amount you need for your new home.

Will I need a down payment for my new home?
Not always! If you have enough remaining entitlement, you might still qualify for 100% financing. If not, you could use a partial entitlement and may need a small down payment.

Do I have to refinance my first VA loan to buy again?
No. You can keep your existing VA loan in place and apply for a new VA loan using any available entitlement.

Let’s Make Your PCS Move a Smart Move

Every situation is unique, and we’re here to help you explore all your options. Don’t leave your hard-earned benefits—or your potential investment opportunities—on the table.

✨ Ready to plan your next move? Reach out today for a free, no-obligation consultation.

Frequently Asked Questions

Please reach us at green@homenc.us if you cannot find an answer to your question.

What is a VA Loan?

A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs, designed to help veterans, active-duty service members, and eligible family members purchase a home with favorable terms.

What are the benefits of a VA loan?

No Down Payment Required
Competitive Interest Rates
No Private Mortgage Insurance (PMI)
Flexible Credit Requirements

Who is eligible for a VA loan?

You may be eligible if you are:

An active-duty service member
A veteran with an honorable discharge
A surviving spouse of a service member (with specific conditions)

Can I use a VA loan more than once?

Yes, VA loans are reusable. If you’ve paid off your previous VA loan or sold the home, you can apply for another one. You may also be able to use your VA benefits for a second loan if your remaining entitlement is sufficient.

Can I use a VA loan to buy a second home or investment property?

VA loans are intended for primary residences only. However, you may use it to buy a second home if you plan to make it your primary residence (e.g., relocating due to PCS orders).

Do I need a Certificate of Eligibility (COE) to apply for a VA loan?

Yes, a Certificate of Eligibility (COE) is required to prove to lenders that you meet the VA’s service requirements. Your loan officer, like Viktoria Green, can help you obtain it.

Are VA loans only for single-family homes?

No, VA loans can also be used to buy condos, multi-family properties (up to 4 units), and manufactured homes, as long as they meet VA standards.

Can I refinance my existing mortgage with a VA loan?

Yes,

VA Interest Rate Reduction Refinance Loan (IRRRL): Streamlines refinancing to reduce your rate or monthly payments.

VA Cash-Out Refinance: Allows you to take cash out of your home equity while refinancing.

Is there a minimum credit score for a VA loan?

The VA itself doesn’t set a minimum credit score, but most lenders typically require a score of 580–620. But, Viktoria Green can help if your score is below 580

How long does the VA loan process take?

The VA loan process generally takes 30–45 days, depending on the complexity of your case and the responsiveness of all parties involved.

Are there any closing costs with a VA loan?

Yes, there are closing costs, but VA loans cap what borrowers can be charged. Additionally, sellers can pay up to 4% of the home’s price toward closing costs, reducing the out-of-pocket expenses for buyers.

What is the VA funding fee, and do I have to pay it?

The VA funding fee is a one-time fee paid to help sustain the VA loan program. It varies based on your loan amount and whether it's your first VA loan. Certain groups, such as veterans with service-connected disabilities, may be exempt from paying the funding fee.

Can I get a VA loan if I’ve declared bankruptcy or had a foreclosure?

Yes, you can still qualify for a VA loan after bankruptcy or foreclosure. However, there’s usually a waiting period:

Chapter 7 Bankruptcy: 2 years from discharge.
Foreclosure: 2 years from completion.

What type of properties can I buy with a VA loan?

You can use a VA loan to purchase:

Single-family homes
Condos in VA-approved developments
Manufactured homes (with land)
Multi-family properties (up to 4 units)
Newly built homes (must meet VA standards)