Purchase Before You PCS

Understanding Your PCS Timeline

One of the first steps in navigating home buying before a PCS is to understand your timeline. Different branches of the military have their own specific PCS timelines, and it's crucial to be aware of these timelines to effectively plan your home purchase. Consider reaching out to your unit's relocation specialist or a trusted real estate professional to gain clarity on your specific timeline and any nuances related to your relocation.

Financial Readiness

Before embarking on the home buying journey, it's essential to assess your financial readiness. This includes evaluating your credit score, debt-to income ratio, and overall financial stability. As a relocation specialist, we recommend that you establish a clear budget and determine your affordability range based on your current financial situation.

Once your budget is in place and you have your new orders, you can be approved for a VA home loan.  If your income allows you to qualify for both your current housing payment and the new house payment, there are many cases where you can close on a house 6 months before you PCS.   In a standard scenario, your closing would occur less than 90 days prior to you reporting to the new duty station.  The BAH for the new locale will be used and if you are due for a promotion, we can utilize the higher pay as long as we have documentation to show the pay increase will start prior to your first mortgage payment being due.