Veteran Homeownership: From Service to Settlement

When it comes to making a move, it’s safe to say you know a thing or two. You probably saw your fair share of moving during your military days, and now, as a veteran, you might be thinking of settling down. But whether it’s your first move or your final move, knowing where to begin can still be overwhelming. The good news is: thanks to your service, there are a number of homeownership benefits available to you.

Your Final PCS: The “Home of Selection”

When retiring from active duty, you’re entitled to one final Permanent Change of Station (PCS) move, commonly referred to as your “Home of Selection” (HOS) move. This benefit allows you to relocate to any location within the United States at the government’s expense.

As of the latest guidelines, you have up to six months from your official retirement date to complete this move. However, under certain circumstances, you may request extensions. Extensions can be granted on a case-by-case basis.

To ensure a smooth transition, it’s advisable to plan your move well in advance and consult with your local Transportation Office (TMO) or Personal Property Office (PPO) for guidance on the process and required documentation.

Military Rewards Programs & Relocation Assistance

Our dedicated relocation team is here to support veterans and their families throughout the home buying or selling journey. They assist in connecting eligible clients with available military rewards programs that may offer cash-back benefits ranging from $500 to $5,000 when buying or selling a home.

These programs are designed to recognize your service and help ease the financial transition of a move. Let us help match you with the benefits you may qualify for—and guide you through each step of the process with care and expertise.

VA Loan Benefits in 2025

One of the most significant homeownership tools for veterans is the VA Home Loan, backed by the U.S. Department of Veterans Affairs (VA). As of 2025, this program continues to offer several unique benefits:

• 0% down payment required (in most cases)
• No private mortgage insurance (PMI)
• Competitive interest rates
• Limited closing costs
• More flexible credit and income requirements

VA loans are available to eligible veterans, active-duty service members, certain National Guard and Reserve members, and qualifying surviving spouses. According to the VA, over 1 million loans were guaranteed in 2023 alone, highlighting their continued popularity and accessibility.

For full eligibility requirements and updated guidelines, visit the VA Home Loans official site.

Tips for Getting Started

If you’re thinking about buying or selling a home, here are a few first steps:

• Connect with a real estate agent who understands military-specific programs and benefits.
• Gather your documentation, including your Certificate of Eligibility (COE), which proves your eligibility for a VA loan.

Homeownership is a big milestone—and as a veteran, you’ve earned the right to explore it with support and confidence. Whether you’re retiring locally or relocating across the country, there are trusted resources and people ready to help you navigate your journey.