A Veteran’s Guide to VA Loans and Relocating in the DMV

By Troy Patterson

Troy holds designations as a Luxury Home Marketing Specialist, Graduate Realtor Institute, Certified Residential Specialist, and Military Relocation Professional. He has certifications as a financing specialist in Virginia and a pre-licensing instructor in the District of Columbia.

Moving with new military orders can feel like a full-time job. Between packing, finding housing, and keeping your family settled, it can be hard to know where to start. As a fellow veteran and Military Relocation Professional, I understand exactly how challenging that process can be. The good news is that service members have access to one of the best tools for homeownership, the VA loan.

If you’re planning to relocate in the near future, here’s what you need to know.

Understanding the VA loan advantage. The VA loan is one of the most valuable benefits available to active-duty service members, veterans, and surviving spouses. It allows you to buy a home with no down payment, no private mortgage insurance, and competitive interest rates, in high-cost areas like the D.C. metro region, which can make a big difference in what you can afford. It’s a well-earned benefit that gives military families the opportunity to build equity and stability even during frequent relocations.

Timing your move around PCS orders. When PCS orders come in, timing becomes everything. Homes in D.C., Maryland, and Virginia tend to sell quickly, so getting pre-approved early helps you move fast when you find the right property. Aligning your home purchase with your report date can save you from temporary housing expenses and help you transition smoothly into your new assignment.

Finding the right place for your family. The D.C. metro area offers a wide range of communities that fit different needs and lifestyles. If you’re stationed at Fort Belvoir, Quantico, or Andrews Air Force Base, you’ll find many neighborhoods nearby that are popular with military families. Northern Virginia offers convenient commutes to major bases and the Pentagon, while Maryland communities like Waldorf, Bowie, and Odenton provide great schools and family-friendly amenities. Choosing the right area depends on your priorities, whether that’s shorter commutes, top-rated schools, or access to outdoor spaces.

Why does working with a military relocation professional matter? A Military Relocation Professional (MRP) understands both the real estate market and the unique needs of military families. From navigating VA loan paperwork to adjusting for short-notice relocations, an MRP can guide you through every step of the process. It’s not just about finding a house; it’s about creating stability during a major life transition.

Relocating with military orders doesn’t have to be stressful. With the right plan and guidance, your VA loan can make buying a home in D.C., Maryland, or Virginia a smooth experience. If you’re preparing for a move and want expert help, call or text me at 202-417-8735 or email me at speragroup@ttrsir.com. I can walk you through your options and help you find a home that fits your family and your next mission.