Before you start touring homes, secure these critical items:

: You skip Private Mortgage Insurance, saving hundreds monthly.

: VA rates are typically lower than conventional or FHA loans.

: The formal document proving you qualify for the VA loan.

: Unlike other loans, the VA requires you to have a specific amount of "cushion" cash left over each month after all major expenses.

: Rates rose by an average of 4.2% nationwide for 2026.

: While the VA has no minimum, most 2026 lenders require at least 580–620 . 📦 PCS Strategies: Buy vs. Rent