Real Estate Blog - pcs

What Happens to Your VA Loan When You PCS and Keep the Property

Every year, service members PCSing out of Fort Carson face the same decision: sell the Colorado Springs house or keep it as a rental. The VA loan adds wrinkles to that decision that most people don't fully understand until they're already under the gun with orders in hand.

This post covers exactly what happens to your VA loan when you PCS and convert the property to a rental — your entitlement, your occupancy obligation, your BAH situation at the new duty station, and the most common mistakes people make in this scenario.

The Occupancy Requirement: What It Actually Says

VA loans require that the borrower intend to occupy the property as their primary residence. That's the rule at origination. What it does not say is that you must live there…

48 Views, 0 Comments

The VA Funding Fee Explained: What You're Actually Paying and Why It Exists

The VA funding fee shows up on the closing disclosure and raises an immediate question: why am I paying a fee on a benefit I earned? It's not arbitrary — and understanding what it actually is changes how most veterans think about it.

This post explains the fee plainly: what it is, what drives the amount, who's exempt, and how it fits into the overall cost of using a VA loan.

What the VA Funding Fee Actually Is

The VA loan program doesn't require mortgage insurance the way conventional loans do when you put less than 20% down. Instead, the VA charges a one-time funding fee at closing. That fee gets pooled and used to cover losses when VA loans go into foreclosure — it's what keeps the program self-sustaining without ongoing cost to taxpayers.

…

50 Views, 0 Comments

How to Use Your VA Loan BAH to Buy a Home Near Fort Carson in 2026

Most service members heading to Fort Carson know they have a VA loan benefit and they know they're getting BAH. What doesn't always click until they're actually in the market is how those two things work together — and what that combination actually gets you in Colorado Springs right now.

This post breaks down the math specifically for Fort Carson, what your BAH covers in today's market, and how to structure a purchase so you're not coming out of pocket more than you need to.

What BAH Looks Like at Fort Carson in 2026

The MHA for Fort Carson is Colorado Springs (CO046). Here are the 2026 monthly BAH rates for the most common ranks:

75 Views, 0 Comments

How VA Loans Work When You Buy a Home in Colorado Springs

If you have orders to Colorado Springs, the VA loan is the most powerful tool you have for buying a home here. It was built for service members, and in a market like this one it can be the difference between renting for three years and building equity while you serve. Here is how it actually works, and what to keep in mind near the local installations.

The two benefits that matter most

The VA loan gives you two things almost no other mortgage does. First, no down payment. Eligible buyers can finance the full purchase price, which means you are not waiting years to save up before you can buy. Second, no private mortgage insurance. Conventional buyers who put down less than 20 percent pay PMI every month, sometimes for years. VA buyers never do, which…

40 Views, 0 Comments