Your report date does not move. We work to it.
VA loans for service members on orders across Maryland, Virginia, Washington DC, North Carolina and Florida, from our office in Fulton, Maryland.
We sit inside the Fort Meade, Pentagon, Quantico, Hampton Roads and Fort Liberty corridor. PCS timelines are a large part of what we do.
Applications go out without your personal information attached. You decide who sees it in full.
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30+ Years of Mortgage Experience
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A PCS file is different if this is you
| YOUR SITUATION | WHY THIS LOAN FITS | GO TO |
|---|---|---|
| You have orders and a report date | Everything is planned backwards from that date rather than from a lender queue | VA purchase loans → |
| You are keeping the house you have | Whether you can buy again depends on what entitlement remains | VA entitlement → |
| You are house hunting remotely | Common on a PCS, and entirely workable with the right preparation | Talk to us → |
| Your spouse is arriving before you | Or after. Occupancy timing on a PCS has its own rules worth understanding | VA purchase loans → |
| You are moving to a high-cost county | Northern Virginia and Montgomery County both reach the conforming ceiling quickly | VA jumbo → |
One application. Better options. Simple process.
One simple application gives us what we need to explore the right mortgage options for your unique situation.
1
Submit the documents
Upload the required documents so we can review your application and move your loan forward.
2
We Shop 100+ Lenders
We compare lenders and find the loan options that fit your situation.
3
You Choose. We Close
Pick the option that works for you. We handle the process from underwriting to closing.
What a PCS file needs
Your orders
The date drives the whole schedule. Send them as early as you have them.
A Certificate of Eligibility
We order it. On a PCS timeline this is worth starting immediately.
Clarity on the current home
Selling, renting it out, or keeping it. Each answer changes the file.
An LES and service documentation
Standard, and quick to gather.
A plan for occupancy
Who arrives when, and when the home becomes your residence.
A lender that has done this before
A PCS is the worst possible time to discover your lender is learning.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
What to watch for, and we will not bury it
Start earlier than feels necessary
The most common PCS problem is not a hard file. It is a file started three weeks too late.
Renting out the old home affects the new loan
It can help or hinder depending on how it is documented. Raise it at the first conversation.
Remote buying needs a good agent as well
We can run the loan from anywhere. Someone still has to walk the house properly.
Nadeem Bhatti
Where we serve military families
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What service members on orders ask
Can you close around my report date?
Yes, and it is a large part of what we do. Give us the date at the start rather than partway through.
Can I buy before I arrive?
Frequently, yes. Remote purchases on a PCS are routine with the right preparation and a good local agent.
Can I keep my current home and buy another?
Sometimes, depending on your remaining entitlement. It is the first thing we check for anyone on orders.
What if my orders change?
They do. Tell us as soon as you know and we rework the timeline. It is easier than most people expect.
Does my spouse need to be there for closing?
Usually there are options, including remote signing. Raise it early so it can be arranged properly.
Send us your report date
Tell us where you are going and when you have to be there. We will build the file backwards from it, free.