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My Home Group

VA HOME LOAN RESOURCE HUB

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MISSION BRIEF

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Whether you're buying your first home, relocating with a PCS, or purchasing your next property, understanding how your VA loan benefit works is the best way to make confident decisions throughout the homebuying process.

Welcome to your VA Home Loan Resource Hub. We're here to help you understand the benefit you've earned every step of the way.

VA LOAN 
OVERVIEW
Module 1

The VA home loan is one of the most valuable benefits available to veterans, active-duty service members, and surviving spouses. 

Continue to Module 1

ELIGIBILITY
Module 2

Your eligibility for your VA home loan can be straight forward. But, it can be confusing too. In this module we break it down. Active duty, veterans, National Guard members, reservists and surviving spouses. 

Continue to Module 2

CERTIFICATE
OF ELIGIBILITY
(COE)
Module 3

Your Certificate of Eligibility (COE) confirms to your lender that you've earned the VA home loan benefit. Discover what a COE is, how to obtain one, and why it is an important first step in the homebuying process.

Continue to Module 3

CREDIT
Module 4

One of the biggest misconceptions about VA loans is that they require perfect credit. Learn how lenders evaluate credit, what factors matter most, and what you can do if your credit needs improvement.

Continue to Module 4

INCOME
Module 5

Qualifying for a VA loan involves more than your income alone. Explore how lenders evaluate debt to income ratios, residual income, and overall financial stability when determining your loan approval.

Continue to Module 5

VA
APPRAISAL
Module 6

A VA appraisal helps ensure the home meets the VA's minimum property requirements while determining if it's worth what the bank is going to lend. Learn how the appraisal process works and what happens if issues come up.

Continue to Module 6

PROPERTY REQUIRMENTS
Module 7
m

Not every property qualifies for VA financing. Learn about the VA's Minimum Property Requirements (MPRs) and what types of homes are eligible for purchase. 

Continue to Module 7

HOME
INSPECTIONS
Module 8

A home inspection is one of the most important steps you can take before purchasing a home. Learn what a home inspection covers, how it differs from a VA appraisal, and how it can help you make an informed buying decision.

Continue to Module 8

PCSing
Module 9

A home inspection is one of the most important steps you can take before purchasing a home. Learn what a home inspection covers, how it differs from a VA appraisal, and how it can help you make an informed buying decision.

Continue to Module 9

CLOSING COSTS
Module 10

While VA loans can reduce upfront expenses, buyers should still budget for certain closing costs. Learn which costs are typical, what fees the VA limits, and how seller concessions and lender credits can help reduce your out-of-pocket expenses.

Continue to Module 10

NEW CONSTRUCTION
Module 11

Many veterans choose to purchase a newly built home from a national builder, and a VA loan can often be used to finance the purchase. Learn how buying new construction differs from purchasing a resale home, what incentives builders may offer, and the important questions to ask before signing a purchase agreement.

Continue to Module 11

CUSTOM BUILD
CONSTRUCTION
Module 12

Building a new home with a VA loan is possible, but the process differs from purchasing an existing home. Explore your financing options, construction requirements, and what to expect throughout the build.

Continue to Module 12

MANUFACTURED HOMES
Module 13

VA financing may be available for certain manufactured homes that meet specific requirements. Learn which homes qualify, lender considerations, and common challenges buyers should know.

Continue to Module 13

VA LOAN
ASSUMPTIONS
Module 14

Many VA loans are assumable, allowing qualified buyers to take over an existing loan under certain conditions. Learn how assumptions work and when they may provide a significant financial advantage.

Continue to Module 14

BUYING
MULTI UNIT PROPERTIES
Module 15

Did you know you can use a VA loan to purchase a duplex, triplex, or fourplex? Discover the occupancy requirements, financing rules, and opportunities for building long-term wealth.

Continue to Module 15

Making an
offer with 
a VA loan
Module 16

Many veterans are surprised to learn that their VA loan benefit can often be used multiple times throughout their lives. Learn how entitlement works, restoring your benefit, and purchasing another home with a VA loan.

Continue to Module 16

FAQ

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FAQS

COPYWRITE 2026 MILSPEC REAL ESTATE AT MY HOME GROUP

PCSing to Luke Air Force Base or the Phoenix Area?

PCS orders come with a lot of moving pieces. Whether you're headed to Luke Air Force Base, relocating elsewhere in the Phoenix area, or preparing to PCS out of Arizona,

Team MilSpec can help make the real estate side of the move easier to navigate.

Headed to Luke AFB?

Luke Air Force Base is located in the West Valley, with military families living throughout communities including Glendale, Surprise, Goodyear, Litchfield Park, Buckeye, Waddell, Avondale and Peoria.

Where you choose to live can make a big difference. Commute, BAH, home prices, schools, lifestyle and how long you expect to be stationed in Arizona should all be part of the conversation.

Buying During a PCS

You don't necessarily have to be in Arizona to start your home search. We can help with virtual tours, neighborhood guidance, inspections, negotiations and coordinating the purchase around your PCS timeline.

And if you're using your VA home loan, we'll help you understand how your benefit fits into the move — including entitlement, VA appraisals, closing costs and purchasing while you still own another home.

PCSing Out of Arizona?

Already own a home here? Before automatically selling, it may be worth looking at your options.

Depending on your situation, selling, keeping the property as a rental, or maintaining your existing VA loan could each have different implications for your next move and your available VA entitlement.

Start Planning Before You PCS

You don't have to have every detail figured out yet.

Whether orders just dropped or you're months away from moving, we're happy to help you understand the Phoenix market, explore areas around Luke AFB and start putting together a plan.

Want the full PCS guide?

Visit our PCS & Military Relocation Resource for a step-by-step look at planning a PCS, buying or selling, VA loan considerations, remote home searches and what to expect when relocating to or from Arizona.

Explore the PCS Resource →
COPYWRITE 2026 MILSPEC REAL ESTATE AT MY HOME GROUP
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