Military Home Buying: 10 Must-Know Tips for Service Members (2026 Update)
Scott Lehr, PA
Licensed Realtor & Military Relocation Specialist
The Home Owners Listing Team
Phone: 954-342-6180 | Email: [email protected]
Military life brings unique challenges to homeownership - from PCS moves to VA loan specifics. After helping 87 service members buy homes last year in Fort Lauderdale, Oakland Park, Weston, and Pembroke Pines, here's what every military buyer should know in 2026.
1. Understand Your VA Loan Benefits
Many don't realize these powerful advantages:
- $0 down payment options (even for multiple uses)
- No private mortgage insurance (PMI) required
- Competitive interest rates (often lower than conventional loans)
Pro Tip:
Our VA loan guide breaks down entitlement amounts and how to calculate your purchasing power.
2. Time Your Purchase With PCS Orders
Strategic timing matters:
- Closing windows around move dates
- Tax implications of buying vs. renting during short assignments
- VA loan occupancy requirements (must occupy within 60 days)
3. Choose Locations Wisely
Consider these for South Florida bases:
- Fort Lauderdale: Best for Coast Guard families near Sector Miami
- Weston: Top schools for Army Reserve at Miramar
- Pembroke Pines: Quick access to Homestead AFB
Did You Know?
Homes within 15 minutes of military installations in Broward County retain value better during market shifts.
4. Get Pre-Approved Early
VA loans require extra steps:
- Obtain your Certificate of Eligibility (COE)
- Find a VA-approved lender (we recommend local specialists)
- Account for the VA funding fee (unless exempt)
5. Budget for Military-Specific Costs
Beyond the mortgage:
- Potential rental management fees during deployments
- Higher insurance in flood zones (common in South Florida)
- Hurricane protection upgrades
6. Research Base Proximity
Key distances in our area:
- Fort Lauderdale to USCG Sector Miami: 25 miles
- Weston to Army Reserve Miramar: 18 miles
- Pembroke Pines to Homestead AFB: 45 miles
7. Consider Future Rental Potential
Smart strategies for military landlords:
- Choose homes near popular rental areas
- Opt for durable materials (hurricane-resistant features)
- Understand SCRA protections for military landlords
8. Prepare for VA Appraisal Process
Unique requirements include:
- Safety hazards must be repaired
- Working HVAC in Florida is mandatory
- No peeling paint (even for older homes)
9. Know Your SCRA Protections
Servicemembers Civil Relief Act benefits:
- 6% interest rate cap during active duty
- Eviction protection
- Mortgage foreclosure safeguards
10. Work With a Military-Savvy Agent
Why it matters:
- Understands VA paperwork and timelines
- Knows military-friendly neighborhoods
- Helps navigate PCS-related sales
Military Families Deserve Specialized Service
Whether you're being stationed in South Florida or planning for retirement here, we've helped hundreds of service members navigate the market. Call me directly at 954-342-6180 or schedule a consultation.
- Scott Lehr, PA
Military Relocation Specialist, The Home Owners Listing Team
