A relocation under PCS orders is never just a move. If you serve in the United States Space Force, it often means uprooting your entire life on short notice, and doing it while staying mission-focused. Whether you’re transferring to a domestic base or receiving OCONUS orders, there’s a lot to manage between now and your report date.

With so many details to coordinate, Space Force relocation assistance through ARC Relocation offers a simpler way to manage your transition. We support Guardians and their families with expert guidance, real estate help, and access to trusted moving resources—so you’re not left figuring it out alone.

What You Can Expect During a Space Force Relocation

Relocating under military orders isn’t the same as a civilian move. There are government requirements, reimbursement policies, base protocols, and housing challenges unique to military life. And as a newer branch, Space Force members are often assigned to joint installations, adding even more variables to the process.

You might be managing back-to-back assignments, moving a family across multiple time zones, or navigating housing near highly secure facilities. When you’re juggling all that while preparing for your next role, the right support can make the difference between a chaotic transition and a smooth one.

Why You Shouldn’t Do It Alone

PCS orders come with a hard deadline. That doesn’t leave much time for researching neighborhoods, handling paperwork, coordinating shipments, or finding a new place to live. One missed detail could delay your move or impact your reimbursement.

Working with a relocation partner means you don’t have to spend weeks sorting through everything yourself. At ARC, we’ve helped thousands of military families relocate successfully. We’ll help you stay organized, avoid common mistakes, and get everything in place on time.

ARC Offers Space Force Relocation Services

You’ve got a limited window to handle a lot of moving parts. ARC Relocation offers full-service assistance to keep your relocation on track and reduce the pressure.

We Know the Process Inside and Out

Our team works with every branch of the U.S. military and has deep experience with PCS moves, including for Guardians. We understand allowances, weight limits, Personally Procured Moves (PPMs), TMO coordination, and the ins and outs of the DOD’s moving systems.

If you’re managing a complex transfer, we’ll help you stick to the timeline and handle the logistics with confidence.

Access to Relocation-Focused Real Estate Professionals

You’ll be paired with military relocation professionals—licensed agents trained specifically to help service members during PCS moves. They understand the need to move quickly, negotiate effectively, and make smart decisions under time pressure.

Whether you’re buying, renting, or selling a home, your agent will walk you through the local market and help you avoid costly delays.

Personalized Support for PPM Moves

If you’ve opted to manage the move yourself, ARC can help with that, too. We’ll guide you through the process of a Personally Procured Move, connect you with vetted carriers, and make sure you know how to track expenses and submit for reimbursement.

You’ll also get access to some of the best moving companies for military members, including those familiar with Space Force installations and joint base requirements.

Planning for International Orders

If you’ve been assigned to a base overseas, ARC offers complete international relocation services to support every leg of the journey. From customs paperwork and language barriers to household goods transport and temporary lodging, we’ll help you plan every step with clarity.

Our overseas support ensures you’re not left scrambling when it matters most.

Real Savings Through ARC’s Realtor Rebate Program

PCS moves often come with unexpected expenses—closing costs, utility transfers, new furniture, or storage fees. That’s why we offer a Realtor Rebate Program that gives money back to Space Force families who buy or sell a home through our referred agents.

This rebate program is free to use and doesn’t affect your agent’s commission or your home price. After closing, you’ll receive a check in the mail, and most families use those funds to help offset the cost of their move.

While other programs like USAA’s Movers Advantage have been discontinued, ARC’s rebate fills the gap and adds more value, offering access to a wider agent network and higher rebate amounts.

SEE IF YOUR ELIGIBLE BY COMPLETING THE FORM BELOW

Why Space Force Guardians Choose ARC

We don’t just coordinate transportation. We act as your relocation partner, supporting you before, during, and after your move. With ARC, you’ll:

• Work with professionals who understand military timelines and pressures
• Gain access to real estate experts who move fast and advocate for you
• Choose from trusted movers with experience in military transfers
• Receive honest, upfront support that’s built for your life in uniform

Whether this is your first PCS or your fourth, we’ll help you make smart choices, stay on track, and reduce the disruption to your family’s daily life.

Space Force Relocation Assistance: FAQs

Do I qualify for the Realtor Rebate if I’m just selling a home?

Yes. Whether you’re buying, selling, or doing both, you’re eligible for the rebate as long as you use one of our referred agents.

What if I’m not relocating within the U.S.?

We regularly assist with overseas PCS moves. From shipping logistics to customs coordination, our international team can help make your transition as smooth as possible.

Can I still get support if I’m renting?

Absolutely. Even if you’re not buying a home, you’ll still get help finding rental listings, reviewing lease terms, and understanding your housing entitlements.

How does ARC differ from a standard moving company?

We go far beyond transportation. We offer full-service relocation assistance designed for the military, combining logistics, housing help, and cash-back savings in one personalized solution.

Final Thoughts

A PCS move is never easy, but with ARC’s Space Force relocation assistance, it doesn’t have to be overwhelming. You’ve got orders to follow, a career to advance, and a family to take care of. Let us handle the logistics while you focus on what comes next.

We’re ready to help—whether you’re relocating stateside or heading abroad. Reach out today to connect with a specialist and learn how much you could save through our Realtor Rebate Program.

Contact us now and let’s get your move underway.

Relocating as part of your Air Force career isn’t just about getting from one base to another—it’s a full-scale life transition. You’re not only moving your belongings but also shifting your family’s routine, your finances, and your future plans. The process can be overwhelming, especially when deadlines are tight and you’re balancing it with mission-critical responsibilities.

That’s where ARC Relocation comes in. We offer specialized Air Force relocation services designed to remove the stress and guesswork from your PCS. Whether you’re headed stateside or OCONUS, working with relocation professionals who understand the process from every angle makes all the difference.

What Are Air Force Relocation Services?

Every Permanent Change of Station (PCS) move comes with its own list of tasks—and its own challenges. From deciphering your PCS weight allowance and limits to arranging temporary housing and figuring out what’s reimbursable, it’s easy to fall behind before the real packing even begins.

Our Air Force relocation services are built to guide you through every step of the process. Whether you’re coordinating a Personally Procured Move (PPM), shipping a vehicle, or buying a home near your new base, we’re here to make sure nothing gets overlooked.

We know how fast things can move in the military, and how frustrating the red tape can be when you’re trying to keep your family’s life stable during a relocation.

Why Working With Military Relocation Professionals Matters

A military PCS isn’t like a civilian move. The stakes are higher, and the rules are stricter. If you miss a deadline, miscalculate your household goods weight, or pick the wrong vendor, it can cost you both time and money. Having a team of military relocation professionals in your corner helps eliminate those risks.

We understand military pay structures, entitlements, and timelines. Our team works directly with you and your chain of command to ensure everything is lined up, from orders to reimbursements to arrival.

Whether it’s your first PCS or your tenth, having expert support means you can focus on your family and your mission, not the paperwork.

What ARC Offers Air Force Families

At ARC Relocation, we don’t just coordinate moves; we offer full-spectrum relocation support customized for military life.

Military PCS Expertise Across All Bases

Our team has helped thousands of service members relocate to and from bases around the world. We know how to navigate housing policies, PCS weight allowance and limits, travel reimbursement forms, and base-specific moving logistics.

You won’t have to explain military acronyms or deadlines to us—we already speak the language.

Realtor Support and Rebate Program

Through our realtor rebate program, we connect you with experienced real estate agents who specialize in military relocations. These agents understand the urgency that comes with PCS orders. They’ll help you buy or sell quickly, and once the deal closes, you’ll receive a rebate check in the mail, sometimes worth thousands.

This program helps offset the hidden costs of a PCS and replaces older systems like the USAA Movers Advantage. Unlike some programs, ARC doesn’t take a cut, and this is cash back, plain and simple.

Whether you’re buying your first home or relocating from one duty station to another, this rebate puts real money back in your pocket.

Personally Procured Move (PPM) Assistance

If you’re choosing to move yourself under the PPM option, we can help you plan it out the right way. You’ll get access to trusted vendors and moving partners who work efficiently and meet government standards, so your reimbursement process doesn’t hit snags.

Many Air Force families opt for a PPM to gain flexibility or increase their payout. We’ll make sure the numbers work in your favor and that you stay compliant with military guidelines.

National Moving Network Access

From cross-country household shipments to vehicle transport, our network includes some of the best moving companies for the military. Every partner is vetted for quality, service, and compliance with DoD requirements. That way, you can trust that your belongings will arrive safely and on time, no matter where duty calls.

Temporary Housing and Area Guidance

Need help finding a rental or bridging the gap between duty stations? Our relocation experts can assist with temporary lodging, school research, and local market insights so your family settles in faster and with fewer surprises.

Even if you’re not buying a home, you still get access to our full support system.

How the ARC Realtor Rebate Program Works

One of the most popular benefits for military families working with ARC is our cash-back realtor rebate program for home buying or selling. When you work with one of our referred agents, you’ll receive a rebate after closing, often worth thousands of dollars, depending on the sale price.

It’s a straightforward way to save money during your PCS, especially when so many unexpected expenses pop up. The rebate is free to use, and it doesn’t affect your home’s price or your agent’s commission. You get your check in the mail after the sale wraps up—no strings attached.

This benefit is ARC’s answer to the now-discontinued USAA Movers Advantage Program. While that program helped many military families, ARC’s rebate goes even further by offering more flexibility and access to top-rated agents across the country.

Most of our Air Force clients use the rebate to cover closing costs, furnish their new home, or offset moving expenses. It’s a simple way to put money back in your hands while you adjust to your new station.

Sign Up to Receive Thousands Back on Your Home Purchase

Frequently Asked Questions

How does ARC’s realtor rebate program work?

When you work with one of our referred agents to buy or sell a home, you receive a rebate check after closing. The amount depends on the final sale price, but most families save thousands. There’s no catch—it’s just our way of giving back to those who serve.

Can ARC help with an OCONUS move?

Yes. Whether you’re headed to Germany, Japan, or anywhere else outside the continental U.S., we’ll help with everything from customs paperwork to international shipping and language translation services.

What if I want to rent, not buy?

That’s not a problem. We work with real estate professionals who can help you find quality rentals near your new base. You’ll also still have access to our relocation services, including vendor referrals and moving support.

Can ARC help me understand my PCS weight allowance and limits?

Absolutely. We’ll walk you through your allowed weight based on rank and family size, help you stay under that limit, and coordinate your move so you avoid costly overage fees.

Your Next PCS Doesn’t Have to Be a Struggle

Moving is part of life in the Air Force. You’ve done it before—and you’ll likely do it again. But each time comes with new challenges, new timelines, and new pressure to get everything right.

ARC Relocation is here to help. Our Air Force relocation services are designed with one goal in mind: to simplify your move and support your family from start to finish. We’re not just another vendor—we’re a long-term partner that understands what military life really looks like.

Reach out to us today to connect with a relocation expert, explore our realtor rebate program, and get matched with some of the best moving companies for the military. Let’s make this PCS your smoothest one yet.

Contact ARC Relocation today and get started.

Relocating while on active duty in the Army isn’t just another move, but it’s a mission with tight timelines, paperwork hurdles, and life-changing decisions. Whether you’re headed to a new installation in the U.S. or receiving overseas orders, you’ve got a lot to manage. And doing it all on your own can stretch your time, patience, and budget.

That’s where ARC Relocation steps in. With customized army relocation services, dedicated support staff, and a cash-back home rebate program, we help Army families like yours move with less stress and more confidence.

What Are Army Relocation Services?

Military relocations come with their own rules and systems. Army PCS orders aren’t flexible, and you’re expected to meet specific deadlines, stay within approved weight limits, and navigate government systems like DPS and entitlements through the Transportation Office. 

On top of that, you might be relocating a family, changing schools, and dealing with new housing options all at once.

Our relocation services are built to support Army personnel through each stage of that journey, from pre-move planning and documentation to home finding, move-in support, and everything in between.

We work with you, not just your orders. That means adjusting to your needs, your timeline, and your goals, not just checking a box on a list.

Why Military Relocations Need Special Support

The truth is, military moves are different from civilian ones. You don’t get to decide when you move. You don’t always know what’s waiting on the other end. And mistakes in the process can cost you time, money, and energy.

Whether it’s understanding DLA rates, weighing the pros and cons of a Personally Procured Move (PPM), or figuring out how to handle housing at your new duty station, you’ll save time and avoid headaches by working with someone who understands the military system inside and out.

We’ve supported thousands of military families through permanent change of station moves. We know how to navigate it because we’ve done it before, and we do it every day.

How ARC Helps with Army Relocations

We’re not just another moving company, but we’re a full-service relocation partner that’s been working with government agencies and military families for over 20 years. Here’s how ARC makes the process easier for Army members and their families.

Military-Experienced Support Team

From day one, you’ll work with a relocation specialist who’s handled Army PCS moves before. They’ll walk you through every requirement, from entitlements and documentation to temporary lodging and transportation scheduling.

We understand the difference between CONUS and OCONUS orders, and we help you manage those added layers when you’re shipping household goods overseas or dealing with customs requirements.

Access to Certified Military Relocation Professionals

We partner with military relocation professionals who are certified to help with buying, selling, or renting homes during PCS transitions. These agents are trained to move fast, negotiate on your behalf, and help you make smart housing decisions with limited time. You won’t need to explain your situation—they already know what’s at stake.

PPM Guidance and Moving Company Referrals

If you’re organizing a PPM move to take control of the process or earn reimbursement, ARC can guide you through it. We’ll help you document weight, understand how to get reimbursed properly, and connect you with the best moving companies for the military, all vetted and insured.

Flexible Services for Buyers, Renters, and Sellers

Not every Army relocation includes buying a home. Maybe you’re looking for a short-term rental near base. Maybe you’re selling a house stateside while you move overseas. Either way, we’ve got real estate partners who can help, and relocation specialists who’ll support you through the process.

Whether you’re buying, selling, or leasing, we have the tools to help you settle in quickly.

Cash-Back Support Through the ARC Realtor Rebate Program

One of the most overlooked financial benefits for Army families comes through our realtor rebate program. If you’re buying or selling a home through one of our preferred real estate agents, you’ll receive a cash rebate after closing, often thousands of dollars back in your pocket.

There are no hidden costs, and the rebate doesn’t affect your agent’s commission or your home price. It’s just our way of helping you keep more of what you earn during a time when every dollar matters.

Many Army families use their rebate to cover moving expenses, pay off closing costs, or furnish their new homes. It’s especially helpful for those no longer able to access discontinued programs like USAA’s Movers Advantage.

Sign Up to Receive Thousands Back on Your Home Purchase

Understanding DLA Rates and Reimbursements

DLA rates, or Dislocation Allowance, are designed to help offset the costs of moving due to a PCS. But like many military entitlements, it’s not always easy to understand how much you’ll receive, when it’ll be paid, or how to claim it.

Your ARC specialist will help you estimate your allowance, track your eligible expenses, and submit your reimbursement forms correctly. We make sure you don’t leave money on the table and that you get what you’re owed without unnecessary delays.

Army Relocation Services: FAQs

How is an Army PCS move different from a civilian move?

Army relocations follow strict government protocols, like timelines, approved moving methods, reimbursement limits, and housing rules. You don’t have the flexibility that civilian moves allow. That’s why it’s helpful to work with experts who understand how to navigate the systems you’re required to follow.

Does ARC Relocation assist with overseas Army moves?

Yes. If you’re moving under OCONUS orders, we’ll help coordinate every detail, from customs documentation and international shipping to finding housing and managing travel logistics. We’ve supported many overseas relocations, and we know how to streamline the process for your family.

What if I’m renting instead of buying?

You’ll still get full support. Our team can help you find a rental, understand local lease terms, and even connect you with trusted property managers near your new duty station. You don’t need to buy a home to benefit from our services.

Am I eligible for the realtor rebate program?

If you buy or sell a home using one of ARC’s referred real estate agents, you qualify for our realtor rebate program. It’s open to all active-duty service members and is available regardless of whether you’re PCS’ing stateside or abroad.

Ready to Plan Your Army PCS Move?

Every Army move is different. Some come with short timelines. Some take you halfway across the world. Others bring you closer to home. But they all have one thing in common—they’re easier when you’ve got the right support.

At ARC Relocation, we’re ready to guide you through the entire relocation process. Whether this is your first PCS or your fifth, we’ll help you take control, stay organized, and make smarter decisions from start to finish.

Reach out today to get matched with a relocation specialist and start planning your move. We’ll help you find housing, coordinate your shipment, and claim your rebate—so you can focus on what’s ahead.

Contact us now and let’s make your next Army move a smooth one.

Relocating during active duty service can feel like more than just a move, especially for Navy families who often face complex and time-sensitive transitions. Whether you’re transferring to a new duty station or planning a PPM Navy move, it’s not just about packing boxes. It’s about finding stability in the midst of constant change.

At ARC Relocation, we specialize in helping military families manage every detail of their relocation. Through our dedicated Navy Relocation Services and cash-back rebate program, we make it easier to transition smoothly into your next chapter.

What Are Navy Relocation Services?

Navy Relocation Services are tailored support programs designed to help Navy personnel and their families manage the logistics of a military PCS. A PCS move isn’t just another cross-country relocation. It comes with government regulations, reimbursement forms, housing deadlines, and time constraints. You may be dealing with unfamiliar cities or overseas orders, all while trying to minimize disruptions for your family.

This is where working with a relocation specialist who understands the unique demands of Navy moves makes all the difference.

Why Military Moves Require Specialized Support

There are few experiences quite like a military move. You don’t always have the luxury of time, and you’re often navigating bureaucratic red tape while managing family needs. Every PCS Navy relocation comes with its own set of complications, and trying to handle it all yourself can leave you overwhelmed and behind schedule.

From setting up temporary lodging to figuring out how your BAH applies in your new location, having someone who knows the ins and outs of military moving can save time, reduce stress, and protect your finances.

Benefits of Partnering with ARC for Your Navy Move

ARC Relocation understands the full picture. We’re more than just a moving coordination service, we’re a one-stop solution built around military life.

Experience With Military PCS Protocols

Our team has extensive experience working with all branches of the military, including thousands of Navy PCS moves. We know how to navigate base access rules, TMO coordination, PPM Navy reimbursement guidelines, and temporary housing restrictions.

Access to Certified Military Relocation Professionals (MRPs)

We connect you with experienced real estate professionals who specialize in military relocations. These agents understand the narrow timelines and fast decision-making often required in a PCS move. Whether you’re looking to buy, rent, or sell, they’ll move at your pace and protect your interests.

Help Coordinating PPM Navy Moves

If you’re handling your own Personally Procured Move (PPM Navy), ARC can help you coordinate logistics, recommend trusted moving companies, and walk you through reimbursement procedures. Many service members choose this option to gain more control over their move and potentially earn extra money, as long as it’s done the right way.

Nationwide Network of Moving Partners

From insured van lines to specialty packers, ARC has built a trusted network of vetted providers. That means whether you’re moving locally or cross-country, you have access to top-tier packing, transport, and storage options.

Complete the form below to learn more about the ARC Realtor Rebate

Realtor Rebate: How ARC Supports Members of the Navy

One of the biggest benefits of working with ARC is access to our home buying or selling rebate program. This initiative gives active-duty service members and their families thousands of dollars back after closing.

It’s designed to help ease the financial burden that comes with a Navy move, especially when unexpected expenses pop up. Our realtor rebate program is completely free to use and doesn’t affect your home price or agent commission. Once you close on a home using one of our referred agents, you’ll receive a check in the mail.

This rebate replaces the discontinued USAA Movers Advantage Program, which previously offered similar cash-back incentives to military families.  ARC’s program has stepped in to fill that gap—and we’ve gone further. By offering a wider pool of high-quality real estate agents and greater cash-back potential, we’ve made it even easier for Navy members to benefit financially from their PCS move.

Whether you’re buying your first home or selling to relocate, this rebate helps put money back in your pocket. Most of our clients use the extra funds to offset moving costs, cover closing fees, or furnish their new homes.

Make Your Next PCS Navy Move Easier

Every military move is different, but they all come with stress, timelines, and logistical hurdles. Whether this is your first PCS or your fifth, ARC is ready to help you simplify the process, save money, and reduce the pressure on your family. Our Navy Relocation Services are built to support you, not just as a service member, but as a parent, partner, and homeowner trying to make smart decisions under tight deadlines.

Navy Relocation Services: FAQs

How is a Navy PCS move different from a civilian relocation?

Military relocations come with strict timelines, weight allowances, documentation requirements, and government reimbursements. Civilian moves are flexible, but Navy moves are not. The stakes are higher, which is why having expert guidance matters.

Does ARC help with international Navy moves?

Yes, and if you’re relocating overseas, we can help manage the logistics of customs clearance, household goods shipping, and destination services. We understand the added pressure that comes with OCONUS orders, especially when you’re moving with family.

Can ARC help if I’m renting instead of buying?

Absolutely. Our real estate partners can help with rental searches, lease negotiations, and local area information so you can settle in more quickly. Even if you aren’t buying a home, you’re still eligible for support services to help make your transition smoother.

Claim Your Rebate and Start Your Move

If you’re planning a military PCS or organizing your next Navy move, get in touch with ARC Relocation today. We’ll make sure you match with a military relocation expert, help you secure a trusted real estate agent, and we’ll walk you through our home buying or selling rebate program.

Fill out the form below to start your relocation process and claim your cash-back rebate. Let ARC take care of the hard part while you focus on the road ahead. 

Contact us today.

Are you a prospective homebuyer trying to decide between an FHA loan and a VA loan? Both of these government-backed mortgage programs offer attractive benefits, especially for first-time buyers. 

However, there are some key differences to understand before determining which one aligns best with your financial situation and homeownership goals.  

In this article, we’ll take an in-depth look at how FHA loans and VA loans stack up in terms of eligibility requirements, down payment minimums, mortgage insurance, interest rates, and more. By the end, you’ll have a clear understanding of the pros and cons of each loan type so you can make an informed decision.

Buying or Selling a Home?

Register Below for Your Cash Back Rebate Worth Thousands of Dollars After Closing!

(a benefit you are already entitled to)

What is an FHA Loan?

An FHA loan is a mortgage that is insured by the Federal Housing Administration (FHA). The FHA is a government agency within the U.S. Department of Housing and Urban Development (HUD).  Because the FHA insures these loans, lenders are able to offer more favorable terms to borrowers, such as low down payment requirements and relaxed credit standards.

FHA loans are popular among first-time homebuyers as well as those with less-than-perfect credit or limited funds for a down payment. To qualify for an FHA loan, you typically need:

• A credit score of at least 500-580 (depending on down payment)
• Proof of steady income and employment 
• Debt-to-income ratio below 43%
• The home must be your primary residence
• The home must meet FHA property standards and loan limits

One potential drawback of FHA loans is that borrowers are required to pay for mortgage insurance. This includes an upfront premium of 1.75% of the loan amount, plus annual premiums for the life of the loan (unless you put down 10% or more).

What is a VA Loan? 

VA loans are mortgages guaranteed by the U.S. Department of Veterans Affairs (VA). They are available to eligible active-duty service members, veterans, and surviving spouses.

The VA loan program was created in 1944 to help returning service members purchase homes with little or no money down. Today, it remains one of the best mortgage options for those who have served our country. The main benefits of VA loans include:

• No down payment required in most cases
• No private mortgage insurance (PMI)
• Competitive interest rates 
• Relaxed credit requirements compared to conventional loans
• No maximum loan amount (only limited by what you can afford)

To be eligible for a VA loan, you must meet the minimum service requirements, which vary depending on when you served. You’ll also need to obtain a Certificate of Eligibility (COE) from the VA to prove to lenders that you qualify for the program.

While VA loans don’t require a down payment or monthly mortgage insurance, they do have a one-time funding fee. The amount of the fee ranges from 1.4% to 3.6% of the loan, based on your service history, loan amount, and down payment (if any). However, some borrowers, such as those with service-connected disabilities, are exempt from paying the VA funding fee.

Key Differences Between FHA and VA Loans

Now that we’ve covered the basics of how FHA and VA loans work, let’s dive into the key differences between them:

Eligibility 

The main distinguishing factor between FHA and VA loans is who can qualify for them. FHA loans are open to any borrower who meets the credit, income, and down payment requirements – regardless of military background. VA loans, on the other hand, are exclusively for eligible military borrowers as described above.

Down Payment

Another major difference between these two loan programs relates to down payment requirements. FHA loans require a minimum down payment of 3.5% for borrowers with a credit score of 580 or higher. If your score is between 500-579, you’ll need to put down at least 10%.  

With a VA loan, you can finance up to 100% of the home’s value in most cases, meaning no down payment is needed. This is a huge advantage for borrowers who don’t have a lot of savings on hand.

Mortgage Insurance 

As mentioned, FHA loans require both an upfront and annual mortgage insurance premium (MIP). The upfront MIP is 1.75% of the loan amount and can be rolled into the mortgage. 

The annual MIP ranges from 0.45% to 1.05%, depending on loan term and amount. The MIP usually remains for the life of the loan, unless you put down 10% or more.

VA loans have no private mortgage insurance requirement so you can save money on your mortgage this way. However, there is a one-time VA funding fee that serves a similar purpose – to offset losses and keep the program running for future generations of military homebuyers. The funding fee can be financed into the loan amount.

Loan Limits

Both FHA and VA loans have limits on the amount you can borrow, which vary by county. For 2024, the FHA loan limit for a single-family home ranges from $498,257 to $1,149,825, depending on the county. 

VA loan limits were eliminated for most borrowers in 2020. However, they still apply to veterans with remaining VA entitlement who have one or more active VA loans, or who have defaulted on a prior VA loan. In these cases, the standard VA loan limit is $726,200 for most counties in 2023.

Interest Rates

Interest rates on government-backed loans like FHA and VA tend to be lower than conventional loans, since part of the risk is removed for lenders. Between FHA and VA, rates are typically a bit lower for VA loans, but the difference is usually small.

As with any loan, your individual interest rate will depend on multiple factors, including your credit score, debt-to-income ratio, loan-to-value ratio, loan size and type, and market conditions. Shopping around with multiple lenders can help you find the most competitive rate.

The Bottom Line

So, which loan option is right for you – FHA or VA? Ultimately, the best mortgage for your situation will depend on your unique eligibility, financial profile, and home buying goals.

If you have served in the military and can qualify for a VA loan, it’s usually the better choice. A VA loan’s main advantages are the zero down payment option, lack of mortgage insurance, and slightly lower average rates compared to FHA loans.  These benefits can add up to substantial savings over the life of your loan.

However, an FHA loan can still be an excellent option for borrowers with little cash on hand for a down payment and/or a lower credit score. And if you don’t have military experience, it may be your only choice between the two programs.

Of course, FHA and VA loans aren’t your only options. You may also want to consider a conventional loan, especially if you have good credit and can afford a larger down payment. By carefully comparing loan offers from several lenders, you’ll be in the best position to choose the right mortgage product for your needs.

No matter which type of loan you choose, becoming a homeowner is an exciting milestone. Taking the time to understand your options and get your finances in order beforehand will help set you up for success. Here’s to finding the perfect mortgage – and home – for you and your family.

Ask any financial advisor about the most powerful mortgage options for active service members, as well as veterans. They will point out the VA loan program as the best option.

Quite simply, a VA home loan has multiple advantages over a conventional loan, and millions of veterans have benefited from it. 

Here, we discuss what is a VA home loan and how can you apply for it.

Buying or Selling a Home?

Register Below for Your Cash Back Rebate Worth Thousands of Dollars After Closing!

(a benefit you are already entitled to)

What is a VA Home Loan? 

A VA loan is backed by the U.S. Department of Veteran Affairs (VA). The origin of the loan program can be traced back to the 1944 GI Bill of Rights. It was signed into law to help veterans enter civilian life after World War II. Since then, the department has backed over 24 million VA home loans.

The purpose of a VA home loan is to make homeownership easier for those who have served. A VA loan has multiple advantages that make it the safest loan option on the market. Here are a few of them.

• Probably, the biggest advantage of a VA loan is that it allows you to buy a home with a 0% down payment. In comparison, the average home buyer has to make a 6% upfront payment.
• In addition, VA loans do not require you to pay monthly private mortgage insurance (PMI). For conventional loans, borrowers need to pay this amount if they can’t make the necessary downpayment. 
• The average interest rate on VA loans is lower than the market. Not only does this lead to more savings, but it also qualifies veterans for a larger loan amount.
• In general, VA loans have lower credit score requirements than other loans. Likewise, the cutoff for the debt-to-income ratio is more forgiving. This makes it a more flexible option.
• There is a limit on the various fees that the lender can charge as VA loan closing costs. These include attorney fees and mortgage origination fees.
• Borrowers can pay off their VA loan at any point without having to worry about prepayment penalties.

How Does a VA Home Loan Work

Veterans and active service members can use the VA loan for buying, building, or improving a house. The VA does not directly provide the majority of the home loans. Private lenders like mortgage companies, credit unions, or banks backed by the VA provide the loans.

If you have full entitlement, then there are no limits on a VA loan. The lender will know that in case of a default on a loan, the VA will pay them up to 25% of the loan. This allows the lender to recover some of the loan amount, in case of a loan foreclosure.

Coming to the eligibility criteria, you will need a Certificate of Eligibility (COE) to prove your eligibility for the loan. You can submit your service-related documentation and get the certificate from the VA website. 

During processing, the lender requests a VA appraisal of the house to estimate its market value. This report and your credit and income information are evaluated to determine if you can repay the loan.

Here’s a closer look at VA home loan requirements for eligibility.

• Firstly, you need to meet the length-of-service requirements. This is 90 continuous days of active duty for service members. For veterans, the minimum service requirement depends on the service time. Those who have served in the National Guard or Reserve for at least six years are also eligible.
• Surviving spouses of service members who have died on active duty or due to a service-connected disability are eligible, provided they have not re-married before December 16, 2003.
• While the VA has no required credit score limit, you need to meet the minimum standard set by the lenders.
• The property you wish to buy should be your primary residence and meet all the building codes, as well as safety standards.
• If your discharge was other than honorable, or due to bad conduct or dishonorable, you are not eligible.

A big plus of a VA loan is that it is not a one-time benefit. You can use it more than once and it is even possible to have multiple VA loans going at a time. However, the amount you can borrow will be limited by the partial or reduced entitlement you may have.

Understanding the Types of VA Home Loans

The two main types of VA home loans are the VA direct home loan and the VA-backed home loan, For a direct loan, the VA loans the amount directly to you and manages the loan. In a VA-backed home loan, the loan is provided by a private lender, while the VA guarantees a portion of it. 

Listed below are some of the other VA loan options.

VA Renovation Loan

You can use this form of the VA loan to renovate and repair your home. These loans can also supplement a standard VA loan for property purchases. Note, that the renovation should not be for aesthetic purposes. Technically, it should improve the “livability, use, and safety” of your primary residence. 

Native American Direct Loan

The Native American Direct Loan (NADL) is a VA-direct home loan available to Native American Veterans or a Veteran married to a Native American. The loan can be used to buy, build, or improve a primary residence. The NADL offers all the benefits of a typical VA home loan, including zero down payment and reduced closing costs. 

Interest Rate Reduction Refinance Loan (IRRRL)

This is a great option for those already having a VA-backed home loan and looking to reduce their monthly mortgage payments. The loan can help you lower the interest rates on the existing loan or shift to a fixed-rate interest plan. This is not a VA-direct loan and you will have to approach a private bank, or a mortgage company for it. 

Cash-out Refinance Loan

This VA-backed loan option can replace your existing loan with a new one with different conditions.  Commonly, it is used to convert a non-VA loan into a VA-backed loan. Besides, with this loan, you can use your home equity to meet other expenses like paying off debt, paying for school, and more. To be eligible, you need to possess a Certificate of Eligibility and meet the financial standards set by the lender.

How to Apply for a VA Home Loan

Typically, the application process for a VA loan is similar to other loan types. Even so, a clear understanding of the process will help you to make the most of the benefits offered by a VA home loan. 

Here is a quick breakdown of the VA loan application process. 

• The first step is to find out if you are eligible for a VA loan and understand the requirements.
• Next, look around for the right lender approved by the U.S. Department of Veterans Affairs. Picking a lender who deals exclusively in VA loan programs can make the process easier. Shopping around for the right lender is a good way to save money on any mortgage or a VA loan. 
• The lender will go through your credit and financial history before preapproving the loan. Then you can apply for the Certificate of Eligibility (COE). Approved lenders can access this document for preapproval checking.
• Once the loan is pre-approved, you can start hunting for a house. It is best to pick a veteran-friendly real estate agent who can help you get the most benefits from a VA loan. To maximize your savings, pick an American Realty Council (ARC)-affiliated agent to save money from the ARC Realtor Rebate program.
• After a property is finalized, you can make an offer in consultation with the agent and your loan officer. Once the offer gets accepted, it’s time to sign a purchase agreement. Make sure to discuss the VA loan closing costs with your loan officer at this stage. You can also ask the lender for a mortgage rebate.
• With the contract signed, it is time for the VA appraisal to ensure that the property meets the VA minimum property requirements. At the same time, you will need to submit the necessary documents to the lender. After the appraisal is complete, the loan is ready for closing.
• Finally, you will need to sign the closing disclosure documents to complete the legal transfer of the property to you.

Final Thoughts

Without a doubt, a VA loan has some key advantages that make it one of the best options for veterans and service holders. No wonder the volume of VA loans has increased significantly in the last decade.

That said, VA loans come with some closing costs that you have to cover. One of the best ways to offset these costs is to choose the ARC realtor rebate program through an approved real estate agent. Through this program, you can save a considerable amount based on the purchase price. The best part is, that with higher transaction value, the rebate gets larger.

Moreover, while moving to a new home, you can save money through the ARC relocation Replacement USAA Movers Advantage program. The program offers great rebates for your move to the new home. Plus, ARc specializes in assisting veterans and military families with their moves.

Want to learn more? Discover more about our amazing realtor rebate program and maximize your savings.

FAQs

How many times can you use a VA home loan?

There are no limits on the number of times you can use a VA home loan. However, the amount you can borrow without making a downpayment depends on your remaining entitlement.

Why is it called the VA?

It is called a VA loan since the loan program is managed by the Department of Veterans Affairs (VA).

Why is a VA loan better?

A VA loan has multiple advantages including zero down payment and no mortgage insurance requirements. It also offers better flexibility in terms of credit score and debt load, compared to a conventional loan.

How much are closing costs in VA?

The closing costs for VA loans include multiple fees like the origination fee, funding fee, appraisal fee, VA funding fee, etc. The average closing costs can range between 1 to 6 percent of the loan amount.

Buying a home is a huge financial decision, and understanding the different mortgage options available is crucial. 

Two popular choices are VA loans vs conventional loans, each with its own set of pros and cons. In this article, we’ll dive deep into the differences between these two loan types, so you can make an informed decision.

Buying or Selling a Home?

Register Below for Your Cash Back Rebate Worth Thousands of Dollars After Closing!

(a benefit you are already entitled to)

What Is a VA Loan vs Conventional Loan?

A VA loan is a mortgage loan program backed by the U.S. Department of Veterans Affairs, designed to help active-duty military personnel, veterans, and eligible surviving spouses buy, build, or refinance a home. VA loans have different eligibility requirements than a conventional loan, which is a mortgage that is not insured or guaranteed by the government.

VA Loan

VA loans offer a range of benefits, including no down payment requirement, competitive interest rates, and flexible credit requirements. These loans are available to eligible borrowers who meet the service requirements set by the VA.

Conventional Loan

Conventional loans are not backed by the government and are offered by private lenders. Conventional vs VA loans typically require a higher credit score and a larger down payment, but they also offer more flexibility in terms of loan amounts and property types.

Differences Between VA and Conventional Loans

While both VA and conventional loans serve the same purpose – helping you finance a home purchase – they differ in several key areas. The main points of distinction include:

• Eligibility requirements
• Down payment requirements
• Credit score requirements
• Mortgage insurance
• Funding fees
• Loan limits

This table helps to better outline the key differences between VA loans and conventional loans:

Feature	VA Loans	Conventional Loans
Eligibility	Exclusive to veterans, active-duty service members, and select military spouses.	Available to all borrowers.
Down Payment	No down payment required in most cases.	Down payment can vary, typically 3-20% or more.
Mortgage Insurance	No mortgage insurance required.	Private mortgage insurance (PMI) required with less than 20% down payment.
Loan Limits	Varies by county, but generally generous.	Limits vary by county and are generally higher for conventional loans.
Funding Fee	Required (can be financed into the loan), percentage varies based on various factors, such as the borrower’s military category and whether it’s a first-time use.	Not applicable.
Credit Score Requirements	Generally more flexible, with lower minimum scores accepted.	Typically requires a higher credit score.
Interest Rates	Typically lower compared to conventional loans.	Can vary based on credit score, down payment, and other factors.
Property Requirements	Must meet VA’s Minimum Property Requirements (MPRs).	Appraisal and property requirements can vary, generally less strict than VA.
Loan Types	Mainly for purchasing or refinancing primary residences.	Broad range, including primary residences, second homes, and investment properties.
Foreclosure Avoidance	Strong commitment to assisting borrowers avoid foreclosure.	Less support compared to VA loans.

Mortgage Requirements For Conventional Loans vs VA Loans

When comparing VA and conventional loans, it’s essential to understand the different mortgage requirements for each.

Down Payment

One of the most significant advantages of VA home loans vs conventional loans is that they often allow for little to no down payment. Conventional loans, on the other hand, typically require a down payment of at least 3%, but preferably 20% to avoid private mortgage insurance (PMI).

Credit Score

VA loans tend to have more flexible credit score requirements than conventional loans. While conventional lenders may require a credit score of 620 or higher, VA loans may be available to borrowers with lower scores, depending on their overall financial situation.

Private Mortgage Insurance

With a conventional loan, if you put less than 20% down, you’ll be required to pay private mortgage insurance (PMI). This additional cost can add up quickly over the life of the loan. VA loans, however, do not require PMI, regardless of the down payment amount.

Debt to Income Ratio

Both VA and conventional loans have debt-to-income ratio (DTI) requirements, but the VA’s guidelines are generally more lenient. The maximum DTI for a VA loan is typically around 41%, while conventional lenders may have stricter DTI limits.

Borrower Eligibility

VA loans are only available to eligible active-duty military personnel, veterans, and their spouses. Conventional loans, on the other hand, are available to any borrower who meets the lender’s credit and income requirements.

Property Eligibility

VA loans have specific property eligibility requirements, such as the home must be your primary residence and meet certain minimum property requirements. Conventional loans, while still having some restrictions, are generally more flexible in terms of property types and intended use.

Fees

VA loans come with a funding fee, which is a percentage of the loan amount that helps offset the cost of the VA loan program. Conventional loans may have various fees, such as origination fees and application fees, but they do not have a specific funding fee like VA loans.

Benefits of a VA Loan vs Conventional Loan

VA loans offer several benefits over conventional loans, including:

• No down payment required (in most cases)
• Lower credit score requirements
• No private mortgage insurance (PMI)
• Lower interest rates
• Flexible underwriting guidelines

However, traditional mortgages vs VA loans also have their advantages, such as:

• No eligibility restrictions based on military service
• Fewer property restrictions
• Potentially higher loan limits in some areas

How ARC’s Realtor Rebate Can Help

Regardless of whether you choose a VA loan or a conventional loan, the assistance of a trusted real estate professional can make a significant difference in your home-buying journey. At ARC, we understand the intricacies of both loan types and are here to help you navigate the process seamlessly.

Our unique Realtor Rebate program is designed to put thousands of dollars back in your pocket at closing and help you save money on your mortgage. 

When you work with one of our experienced agents, you’ll receive a portion of the commission they earn, which can be a game-changer for your finances. This rebate can be used to cover closing costs, make a larger down payment, or even furnish your new home.

But our services go beyond just the rebate. Our dedicated team will work tirelessly to ensure you find the perfect home that meets your needs and budget. We’ll handle all the negotiations, paperwork, and logistics, so you can focus on the excitement of your new chapter.

Whether you’re a first-time homebuyer, you need to sell your house fast for a relocation, or a seasoned investor, our agents have the expertise and local market knowledge to guide you every step of the way. 

We’ll help you understand the differences between VA and conventional loans, and recommend the option that best suits your unique situation.

At ARC, we’re committed to making the home-buying process as smooth and stress-free as possible. With our Realtor Rebate program and dedicated support, you can rest assured that your best interests are always our top priority.

VA Loan Vs Conventional Loan: FAQs

Are VA loans good?

Yes, VA loans are an excellent option for eligible borrowers. They offer competitive interest rates, flexible credit requirements, and the ability to purchase a home with little to no down payment. 

Additionally, VA loans do not require private mortgage insurance, which can save borrowers a significant amount of money over the life of the loan.

Can you use a VA loan for any home?

No, VA loans have specific property eligibility requirements. The property must be your primary residence, and it must meet certain minimum property requirements set by the VA. The VA has limits on the maximum loan amount based on the county where the property is located.

Is it better to go with a VA loan or a conventional loan?

The answer to this question depends on your individual circumstances. If you are eligible for a VA loan and meet the service requirements, it can be a more affordable option due to the lower interest rates, no down payment requirement, and no private mortgage insurance. 

However, if you do not meet the eligibility requirements or prefer more flexibility in terms of property types, a conventional loan may be a better choice.

Can you get a VA loan with bad credit?

While VA loans generally have more flexible credit requirements than conventional loans, having a low credit score can still impact your ability to qualify. 

The VA does not have a strict minimum credit score requirement, but lenders may impose their own credit score minimums. It’s essential to work with a lender who understands the VA loan program and can evaluate your overall financial situation.

Final Thoughts

Choosing between a VA loan vs a conventional loan is a personal decision that depends on your unique circumstances. 

If you are eligible for a VA loan and meet the service requirements, it can be an excellent option, offering competitive interest rates, flexible credit requirements, and the ability to purchase a home with little to no down payment. 

However, if you do not meet the eligibility criteria or prefer more flexibility in terms of property types, a conventional loan may be a better choice. 

The ARC Realtor Rebate Program can help make the process of buying a new home as smooth as possible, enabling you to potentially save thousands of dollars at closing. 

Contact ARC Relocation today for more information about the Realtor Rebate Program, or to help you find a moving company for your upcoming move. 

Relocating is stressful, but it can be even more overwhelming as a military member. Military members and their families who need to relocate can benefit from using a military relocation professional to assist with their move. 

Military relocation professionals better understand the needs and timelines of those in the military, making them the best kind of realtors to use for military families.

Buying or Selling a Home?

Register Below for Your Cash Back Rebate Worth Thousands of Dollars After Closing!

(a benefit you are already entitled to)

What is a Military Relocation Professional?

A military relocation professional is a certified real estate professional who works with current and prior military service members to find the best housing solutions to suit their needs. Essentially, they are specialized military real estate agents. 

They can help military members help find homes at a new base and help you figure out the world of military real estate. Military relocation specialists are uniquely trained and certified in the military home search process, which is why they are best to use when relocating to the military. 

Benefits of Using a Military Relocation Professional 

There are many benefits of using military relocation specialists. Here are some of the most valuable:

Can Answer Questions Specific to the Military

Military members looking for real estate help will ask different questions than civilians looking to move. Luckily, military relocation professionals can answer military-specific questions regarding relocation. For example, a military relocation professional can answer questions like:

• Does the military pay for relocation?
• Will the military move a spouse after a divorce?
• What are PCS weight limits or what’s the best way to use a DITY calculator?

They can help explain that with a partial-DITY move, the military can reimburse you up to 95 percent of the costs associated with moving until you reach the weight limit. For relocation during a PCS, you can get a dislocation allowance to reimburse some costs.

In-Depth Knowledge of Military Moves

Having a military relocation specialist designation can help you in many ways since they better understand military processes and concerns involved with moving. 

Many military relocation specialists have this in-depth knowledge due to direct experience or research. They can actively explain the military market, broker’s market analysis, military relocation, VA financing for active duty vets, and more.

Have Extensive Knowledge of the Military Market

Unlike civilian real estate, you cannot just visit open houses whenever you feel like a military move. Frequently, military moves happen across the county, and you may need to be placed in temporary housing. 

A military relocation professional can be helpful in this situation, as you need someone who has a lot of knowledge about what is available in the area. They can quickly match your and your family’s needs to what is currently available on the market.

Understanding Military Terminology

Many realtors without military knowledge are not helpful regarding military acronyms and phrases. A military relocation professional will understand terms like BAH (basic housing allowance), LED (leave and earnings statement), and DLA (dislocation allowance). 

Having a realtor who understands these military terms is essential for you to be informed appropriately.

Military Relocation Professional Designation Vs. Certification

You may have noticed that there are MRP designations and certifications. While there is a slight difference between the two, both will get you where you need to be. A military relocation professional designation takes more time and money for the specialist to reach that point. 

It is almost like having a master’s degree instead of a bachelor’s degree. An MRP certification is like any other professional development opportunity. Both designations and certifications will be efficient for you to gain the knowledge and help you need regarding your military move.

How to Find a Military Relocation Professional

There are a few ways to find a qualified military relocation professional:

• Contact ARC Relocation to find quality realtors that specialize in military relocations
• Ask for referrals from friends or family in the military who have recently moved
• Search online listings and profiles specifically for real estate agents specializing in military moves
• Contact your base housing office for recommendations

When looking for a military relocation pro, be sure to ask about their specific experience helping military families move. Having an understanding of military culture and processes will make a big difference.

Military Relocation Professionals: FAQs

How much does a military relocation specialist cost?

A military relocation specialist’s fees are typically the same as a regular real estate agent’s commission. Military specialists do not usually charge extra fees specifically for their military expertise – you just pay their standard real estate commission.

The exact percentage depends on your state and situation. Since they provide specialized services tailored to military moves, their commissions are well worth the investment for most military families.

Can veterans use a military relocation professional too if they are moving after active duty?

Yes, military relocation professionals are able to assist veterans as well. Their knowledge of VA loans, military terminologies, working with bases, and experience with service members applies to veterans too.

So whether you are active duty, retiring soon, or have already separated, a military relocation specialist can help any military member or veteran who is moving to a new home. They understand the unique needs and timelines of military life, even after active service.

Do I have to use a military relocation professional?

No, using a military relocation specialist is completely optional. Some military members prefer to handle the moving process on their own or with a regular real estate agent.

However, specialists have extensive expertise specifically with military relocations that can simplify the process and help avoid any pitfalls unique to PCS moves. Their familiarity with military terminology, base housing, working with the DOD, and other factors can make the move much smoother.

How ARC Supports Military Members

Before it was discontinued, the USAA Movers Advantage Program offered cash rewards for military customers and their families to help them save money during a move. 

The goal of this program was to put money back into your pocket, have a wider variety of real estate agents, and increase your profit. ARC helps support military members by pairing you with a relocation specialist to help make your move easier. 

ARC offers a home buying or selling rebate to anyone buying or selling their homes, not just in the military. They will help you find a realtor or military relocation professional, help plan your move, and provide options for moving companies to move your belongings safely. 

They can help find insured van lines and moving companies that help with various factors like packing, unpacking, moving furniture, disposing of packing materials, providing packing supplies, assembling and disassembling furniture, and transporting your belongings. 

Planning a military move can be complicated. However, using a military relocation professional can be less complicated.

If you are planning on relocating, fill out the form below to claim your real estate rebate, and put $1,000’s of dollars back in your pocket.

You’ve received a permanent change of station or PCS announcement and you need to start planning. This process can go one of two ways

1. It can be incredibly smooth with as few bumps as possible, or
2. It can be highly turbulent with unforeseen errors at every turn.

You don’t want to fall into that second category. 

Planning and preparation are everything for military families going through a PCS, and we’ve helped hundreds of people through this process. Our PCS checklist will walk you through everything to ensure you leave no stone unturned. 

1. The Planning Stage 

The average military family will move as often as once every three years. That does not mean it gets easier each time. It’s important to plan immediately and stay organized between moves to prevent the last minute race to the finish, which is why a PCS checklist is useful. 

• Organize all important essentials 

Organization is key so having important documents like passports, marriage licenses, social security cards, birth certificates, contact information, and housing info in a safe place. 

Consider putting all of this information into a binder so you know exactly where it is when it comes time to start packing. Losing essential travel documents or identification can lead to someone even being left behind during a PCS. 

• Plan out all transportation

It’s never too soon to start thinking about transportation. If your PCS is overseas, you’ll need to figure out what to do with your car. Items like furniture and large appliances will likely require specialized transport as well. 

Keep in mind that the military will pay to move pretty much anything depending on the way it’s factored into your agreement. You could always drive the car if it’s a stateside relocation but you could save wear and tear on it by shipping it if the military will pay for it. 

• See if there are military flight discounts

If you’re flying for your relocation, there are many flights that will offer discounts to military members. 

The key is to look for discounts that apply not only to your flight, but to your luggage as well. You need to keep in mind that transportation timelines will not always fall perfectly in line so you’ll want to bring certain things with you on the flight to ensure you have them when you arrive. 

You’re able to have 1,000 pounds of unaccompanied baggage by air. But again, that doesn’t mean it will arrive with you so be careful when choosing what goes in these bags. 

• Learn about your destination 

Sometimes you get so caught up in the planning and preparation that you forget you’re actually leaving one place and moving to another. The military will often help by providing information about your destination but doing your own research can help as well. 

Consider looking at what the local towns are like, what types of activities there are, and read about the schools if you have kids. 

Look into information about hospitals, child care, and recreation. Doing this can help lessen the burden of a stressful situation. 

2. Securing Housing 

Next on your military PCS checklist is to secure housing. You’re leaving one home and moving into another, which means you’ll have to figure out where you plan to live. In the military, there are a number of options based on your family situation and time of service. Go through this PCS move checklist and make sure to follow these steps. 

• Figure out what kind of housing you want

This may not always be a choice but if you have an option you’ll want to think about it. This should be at the top of your PCS moving checklist.

Private military housing is when you receive a housing allowance and live in a community with other military members. Single military housing usually consists of a barracks-style building where military members live together or in their own room. 

These accommodations do not cost anything for the member but they’re only available to single members with no dependents. 

Buying a home requires the most investment but it could be a good option if you have a family and believe you’ll be at your next assignment for a while. 

ARC Relocation offers a military rebate program that will not only help you find a home in your new location but can give you up to $3,000 towards selling your current home and purchasing a new one. 

• Consider temporary housing  

If you have to sell your current home or move out of a place you’re renting before relocating, you may need to find temporary living quarters.

Being in-between living arrangements is a scary situation and not something a military member should have to deal with. The military will likely pay you for temporary housing as well. 

• Look into the Defense Travel Management Office 

The DTMO exists to help you with your move. They can help explain various costs you’ll run into, the difference between a PPM and a GPM, and how you can make the most of the reimbursement the government provides to you. 

• Get Pre-Qualified for a Mortgage

Keep in mind that a pre-qualification is sometimes required before a real estate agent will even show you a home. Having this done before the move will help you tremendously. 

Use a free credit app like Credit Karma to get an idea of where your credit is and figure out how much money you can put down on a house. These two factors will help determine what kind of house you qualify for. 

3. Packing For The Move 

You have a lot of choices when it comes to the packing and moving stage. A DITY move is when you handle everything yourself and the military basically provides you with a lump sum to do so. 

This is great if you have experience but not if you’ve never done it before. You may end up having to pay out of pocket if you run too high on expenses. Following this military move checklist can help reduce the chances of an unfamiliar situation. 

• Determine what type of military move reimbursement works for you

Depending on your years of service, where you’re relocating to, and your rank, you’ll be able to choose how you want to be compensated for changing your station. 

In the case of a DITY (do it yourself) relocation, the military pays you based on what you have and where you’re going and you’re free to spend the money how you like as long as you get where you need to go. 

A GPM is a government procured move. In this case, you have zero flexibility on when and how you move. But, the upside is the government handles everything for you including packing. 

The downside is that they choose when you pack, move, and they handle all the money so you’re completely at their mercy. 

There are various hybrid options as well. Understanding what all of these moves are will help you choose the option that makes the most sense for you. 

• Planning your baggage

I mentioned previously that you’re allowed up to 1,000 pounds of unaccompanied baggage on a plane. The number increases to 2,000 pounds as a family. 

Make sure you don’t pack your daughter’s favorite stuffed animal in this baggage because it could be a few days before you see it. You want to plan with your arrival in mind. 

• What do you need immediately?
• What do you need tomorrow?
• What do you need next week?
• What do you need next month?
• What do you need next year? 

So on, and so forth…

Think about these questions as you’re packing. If you need it right away, don’t pack it on the plane. If you need it next month, don’t pack it in a bag you plan to check on moving day. 

Even besides air travel, ground travel has weight limits as well. There are overall PCS weight limits you need to abide by depending on your dependents and various other factors. 

4. For The Family 

Traveling can put a strain on the family dynamic and turn an otherwise happy family into a disgruntled mess. 

Try to do everything you can to make the trip fun for your children. If they’ve been through a PCS before, they know what to expect but that doesn’t mean it has to be stressful. 

• Turn the trip into an adventure

If you have young children consider downloading an app or playing car games that make the process more fun for the kids. Find fun hotels to stay in that include activities like indoor pools and arcades. 

• Understand how this can impact child custody

Child custody laws are confusing as they pertain to military relocation. It’s important to understand your rights as the relocating parent or the non-military parent. The SCRA contains a lot of valuable information on this subject. 

5. Settling In 

Once you arrive at your new location you might be feeling exhausted and drained. That’s normal. Don’t expect to unpack everything and have the whole house set up in a few days. 

Take your time and allow yourself to enjoy the experience. Follow these last few steps on your PCS checklist when you arrive in your new home. 

• Do you have a dislocation allowance?

When you’ve reached your destination you might think the military moving benefits are over but that’s not the case. A dislocation allowance or DLA is another reimbursement you can receive that is separate from your PCS allowance. 

This allowance reimburses you for some expenses you encountered during the travel process. These can include food, snacks, drinks, tolls, gas, and car repairs. 

• Reach out to the community 

If you’re a military spouse it can be easy to feel alone sometimes. You might feel like you’re stranded on an island but military communities are some of the easiest places to make friends because everyone is going through the same thing. 

Don’t be afraid to reach out for help and advice, join local activities, and stay in touch with friends from your old assignment. 

What to Pack in Your Suitcase or Car

When preparing for your PCS move, it’s crucial to keep essential items with you rather than sending them with the movers. Here’s what you should consider packing in your suitcase or car:

For your suitcase:

• Important documents (birth certificates, passports, medical records, orders, and school records)
• Several changes of clothes and basic toiletries
• Essential medications and prescriptions
• Laptop, tablet, and chargers
• Basic first aid kit
• Small tool kit for minor emergencies
• Jewelry and other valuables
• If flying overseas, pack a change of clothes in your carry-on in case checked bags are delayed

For your car:

• Emergency roadside kit with jumper cables and basic tools
• Snacks and drinks for the journey
• Basic cleaning supplies
• Air mattresses and bedding for temporary lodging
• Pet supplies if traveling with animals
• Important paperwork and documents
• Basic kitchen items (one pot, pan, and essential utensils)
• Paper products and basic household supplies
• Phone chargers and electronics
• Small lamp and basic tools for initial house setup

Remember to keep these items in a secured, “do not pack” room or in your vehicle before the movers arrive to ensure they don’t accidentally get packed with your household goods.

PCS Checklist: FAQs

How early should I start planning for my PCS?

As soon as you receive your PCS announcement, you should begin planning. Give yourself as much time as possible, even if it’s a year or more in advance. Proper planning and staying organized can help prevent last minute issues.

What are my housing options for a PCS?

You have several options, including private military housing, single military housing (barracks), buying a home, or temporary housing if needed. Consider your situation, timing, and length of stay when deciding. Get pre-qualified for a mortgage if buying.

How much baggage can I take on my military flight?

You can have up to 1,000 lbs of unaccompanied baggage per family member on military flights. Carefully plan what goes in each bag based on necessity and arrival timeframe. Don’t pack immediate necessities in unaccompanied baggage.

What kind of reimbursements are available when I arrive?

You may qualify for a Dislocation Allowance (DLA) to reimburse certain travel expenses like food, gas, repairs, etc. This is separate from your PCS allowance. Save receipts and file for reimbursement.

What’s the difference between a government-procured move (GPM) and a personally-procured move (PPM)?

With a GPM, the military handles everything – they choose the moving company and manage the entire process. With a PPM, you receive a payment based on your rank and handle the move yourself, giving you more flexibility but requiring more work. Many service members choose a hybrid approach, having the government move most items while personally moving valuable or fragile possessions.

How do I protect valuable or sentimental items during a PCS move?

Transport irreplaceable items yourself rather than including them in your household goods shipment. Create a detailed inventory with photos, mark high-value items during the pre-move survey, and consider additional insurance since standard coverage is limited to $6 per pound. Keep valuables in a designated “do not pack” room until the movers finish.

Final Thoughts 

I hope this PCS checklist helps make things a little simpler for you throughout your move. There’s a lot to think about and many things can go wrong along the way. Just remember that your military move doesn’t have to be stressful if you plan ahead.

Good luck!