PCS & Military · VA Loans
The VA loan is the most powerful buying tool most military families have, and it's perfectly suited to a market full of PCS moves. GG helps eligible buyers understand the benefit, get pre-approved, and use it to buy with confidence.
Most eligible buyers can finance 100% of the purchase price. That's a huge advantage in a market where saving 20% takes years.
Private mortgage insurance isn't required, which keeps monthly costs lower than many conventional loans with small down payments.
The VA benefit is reusable. Use it, sell, and use it again on the next tour. Many families do exactly that across consecutive moves.
With a pre-approval in hand, GG's military buyers write offers that close on schedule, because the financing is already lined up.
The process
Most active-duty members, veterans, Guard and Reserve members, and some surviving spouses qualify. Your Certificate of Eligibility confirms it.
Choose a lender who does VA volume, get pre-approved, and know your exact buying power before touring.
GG shows homes in your range, with your commute and must-haves as the filter.
GG negotiates the contract, coordinates the appraisal and VA-required steps, and gets you to settlement on time.
A note on rates and rules: VA benefit details, including funding fee percentages and exemptions, can change. GG works with current information, and your lender's loan officer confirms the numbers that apply to your specific case before you commit.
Good questions
The VA loan questions GG hears from military buyers every week.
Ask a question of your ownFor eligible service members, veterans, and some surviving spouses, the VA loan offers no down payment in most cases, no private mortgage insurance, competitive interest rates, and a benefit you can use more than once. The VA guarantees part of the loan, which lets lenders offer better terms.
It's a one-time fee that helps keep the program running, and it can be financed into the loan or paid at closing. For purchase loans it typically ranges from about 1.25% to 3.3% depending on your down payment and whether it's your first use. Veterans receiving VA disability compensation, and some surviving spouses, are exempt. Your lender confirms your exact rate.
Yes, if the community is on the VA's approved list. Many Northern Virginia communities are approved, and GG works with lenders who handle the VA condo approval process regularly. It's a question to ask early, before you fall in love with a specific building.
The VA doesn't set a minimum credit score; lenders set their own requirements, and they vary. GG can refer you to lenders who work regularly with military buyers and understand the full VA picture.
The VA loan is a buying tool, but it creates strong buyers, which matters to sellers. And if you have a VA loan on a home you're selling, the assumption or payoff process is routine for agents who handle military moves regularly, which GG does.
GG can walk you through the benefit, connect you with a VA-experienced lender, and start the search with your real numbers. No pressure, just a plan.