Military & VA Buyers
PCS-ing to Jacksonville? Let's get you home.
Northeast Florida is home to several major military installations. As a Military Relocation Professional, I help service members, veterans and military families plan their move and use the benefits they've earned.
Serving those who serve
A smoother move, even from far away
Military moves come with tight timelines, report dates and plenty of unknowns. I'll help you understand the areas around your new duty station, line up showings (in person or virtual), coordinate with your VA-approved lender, and keep everything on track, so your family can focus on the move itself.
- Military Relocation Professional (MRP) certified
- Experience with VA-financed purchases and new construction
- Virtual tours and remote-friendly communication for out-of-state buyers
- Trusted agent and lender network if your next PCS takes you elsewhere
VA home loan basics
What a VA-backed loan can offer
According to the U.S. Department of Veterans Affairs, a VA-backed purchase loan often offers:
No down payment
In most cases, as long as the sales price isn't higher than the home's appraised value.
No PMI
No private mortgage insurance or FHA mortgage insurance premium.
Competitive terms
Lenders offer competitive interest rates, and there's no penalty for paying the loan off early.
Limited closing costs
Fewer closing costs, some of which may be paid by the seller.
Reusable benefit
You may be able to use your VA home loan benefit again after you sell or refinance a VA-financed home.
New construction eligible
VA-backed loans can be used to buy an existing home or to build a new one.
Who's eligible?
You'll need a VA home loan Certificate of Eligibility (COE) based on your service history and duty status, you must meet VA and lender standards for credit and income, and you must plan to live in the home. Check COE eligibility on VA.gov.
What fees should I expect?
Most buyers pay a one-time VA funding fee (some, such as many Veterans receiving VA disability compensation, are exempt), plus the lender's interest and closing costs. See VA funding fee and closing cost details.
This is general information, not loan advice. Eligibility, rates, fees and terms are set by the VA and your lender and can change. Always confirm details with a VA-approved lender and VA.gov.
PCS home-buying checklist
Your move, step by step
- Get your orders and report date. Your timeline drives everything else, including when to start your home search.
- Request your COE. You can request a VA Certificate of Eligibility online or ask your lender to request it for you.
- Get pre-approved with a VA-approved lender. Know your budget before you start touring homes.
- Talk with Stacy about areas and commute. We'll look at neighborhoods and new construction communities that fit your duty station, budget and lifestyle.
- Tour homes in person or virtually. If you can't be here yet, I'll walk homes for you on live video.
- Make an offer and schedule inspections. I'll negotiate on your behalf and coordinate inspections and the VA appraisal.
- Coordinate your household goods shipment. Plan your move through your installation's transportation office and Military OneSource.
- Close and get your keys. Remote and mail-away closings may be possible if you're still at your current duty station.
Nearby installations
Military communities near Jacksonville
NAS Jacksonville
Naval Air Station Jacksonville sits on the west bank of the St. Johns River in Jacksonville. Official NAS Jax site
Naval Station Mayport
Located at the mouth of the St. Johns River on Jacksonville's east side, near the Beaches communities. Official NS Mayport site
Naval Submarine Base Kings Bay
Just north of the Florida–Georgia line, near St. Marys, Georgia. Many families also look at Nassau County, Florida communities such as Yulee, Fernandina Beach, Callahan and Hilliard. Official NSB Kings Bay site
Official resources
Helpful links for military buyers
- VA-backed home loans (VA.gov)Overview of VA direct and VA-backed home loan programs.
- VA purchase loan (VA.gov)Benefits, eligibility and fees for buying a home with a VA-backed loan.
- How to request a Certificate of Eligibility (VA.gov)Request your COE online, through your lender, or by mail.
- VA funding fee and closing costs (VA.gov)Current funding fee rates and who's exempt.
- Moving & PCS (Military OneSource)Planning tools and support for military moves.
- Plan My Move (Military OneSource)Build a personalized PCS checklist and timeline.
- MilitaryINSTALLATIONS (Military OneSource)Installation overviews, contacts and programs.
Have orders to Northeast Florida?
Let's map out your move. Call or text (904) 892-8883.
Start my PCS plan