Start my PCS home search   Get my home value before I list

PCS-ing to JBSA?

Joint Base San Antonio includes Fort Sam Houston, Lackland, and Randolph. A Permanent Change of Station (PCS) move often comes with a tight report date, temporary lodging, and a lot of decisions in a short window.

I can help you:

  • Map a timeline from your orders to your report date
  • Start a home search that fits your budget, including your Basic Allowance for Housing (BAH) if you use it
  • Tour homes in person when you're in town, or virtually if you're not
  • Compare options based on your commute to your duty station and the features that matter to you

You don't have to wait until you arrive to get started. The earlier we talk, the more time you'll have to look, make an offer, and plan your closing around your move.

Using your VA loan

A VA-backed purchase loan is a benefit many service members and veterans can use to buy a home they'll live in. According to the U.S. Department of Veterans Affairs, a VA-backed purchase loan often offers:

  • No down payment, as long as the sales price isn't higher than the home's appraised value
  • No private mortgage insurance (PMI) or mortgage insurance premiums (MIP)
  • A one-time VA funding fee, unless you qualify for an exemption (for example, if you receive VA compensation for a service-connected disability). You can include the fee in your loan or pay it at closing.

You'll need a Certificate of Eligibility (COE), and your lender will also review credit, income, and other requirements. Reach out to me first. I'll help with the housing side — searching, touring, and writing an offer — and I'll connect you with a VA lender I trust for the loan itself.

Use the payment estimator on this page for a rough idea of monthly cost. These figures are estimates only. For exact numbers, contact me and I'll connect you with a VA lender I trust. Official details are on the VA Home Loans pages linked below.

VA loan payment estimator

Enter a few numbers to see an estimated monthly payment. You can change any field, including the funding fee percentage.

Defaults to $0. VA-backed purchase loans often require no down payment if the price is not higher than the appraised value.
Example rate only. Enter the rate a lender quotes you.
Loan term
VA loan use
Used to set a default funding fee from the VA purchase-loan chart.

Editable estimate, not a quote. Actual rates vary by location and taxing entities. 2.2% is a starting point for the San Antonio area.
Editable estimate. Enter your quoted premium if you have one.
Official rates: BAH Calculator.

Estimated payment

Base loan (price minus down payment)—
VA funding fee—
Loan amount (including any financed fee)—
Monthly principal and interest—
Monthly property taxes—
Monthly homeowners insurance—
Monthly HOA—
Total estimated monthly payment—

Estimates only, not a loan offer or financial advice. Contact me for exact numbers, and I'll connect you with a VA lender I trust.

Start my PCS home search

Selling before your next PCS

If new orders just came in, timing the sale of your current home matters. I can help you get a sense of its value, plan a listing timeline, and work toward a closing date that lines up with your move as closely as the market allows.

If you're buying in the San Antonio area and selling elsewhere — or selling here and heading to your next duty station — tell me your dates early so we can plan both sides.

Get my home value before I list

Helpful official resources

These are official government resources. I don't run these sites, and the information on them can change, so please rely on the source for the most current details.

  • VA Home Loans — Overview of VA housing assistance and home loan programs.
  • Request a COE — How to request a Certificate of Eligibility, which lenders use to confirm your VA loan benefit.
  • VA Funding Fee and Closing Costs — Funding fee rates, who may be exempt, and closing-cost information.
  • VA Loan Limits — Information on VA home loan entitlement and loan limits.
  • Texas Veterans Land Board — State of Texas programs for eligible veterans, including home and land loan options.
  • Texas Disabled Veteran Property Tax Exemptions — Texas Comptroller information on property tax exemptions that may be available to disabled veterans.
  • BAH Calculator — Official Basic Allowance for Housing rates from the Department of Defense.
  • JBSA — Official Joint Base San Antonio site, covering Fort Sam Houston, Lackland, and Randolph.
  • Military OneSource — Official Department of Defense support, including PCS moving help.
  • HOMES.mil — Official military housing office search.

Closing

Tell me your report date, whether you're buying, selling, or both, and if you'd like to start with virtual tours. I'll help you take the next step.

Start my PCS home search   Get my home value before I list