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Post-Separation Housing Options

Overview

You saw your share of moving in the military. Now, as a veteran or retiree, maybe you’re thinking about settling down in one place. Thanks to your service, you’ve earned good benefits on the homefront. Check out these loan and assistance programs as you make a place for yourself in the civilian world.

Make your final move in the military

Most service members transitioning out have three years if retiring and 180 days if separating before retirement to complete a final military move at the government’s expense.

Plan early and visit your installation’s relocation support offices as you organize your move.

Know your options

Veterans have access to help with everything from securing a home loan to finding a retirement home and financial counseling and assistance.

The U.S. Department of Veterans Affairs offers substantial help with home loans and general housing assistance. You don’t have to be a first-time homebuyer to take advantage of VA home loans. But make sure you read over the eligibility requirements to determine what benefits you can receive.

With VA home loans, you can:

  • Purchase a home at a competitive interest rate with a Purchase Loan, often without requiring a down payment or mortgage insurance.
  • Refinance your loan. A Cash-Out Refinance Loan allows homeowners to take cash out of their home equity to take care of things like paying off debt, funding school or making home improvements. You can also obtain a lower interest rate with an Interest Rate Reduction Refinance Loan.
  • Consider the Native American Direct Loan Program. Eligible Native American veterans may be able to finance the purchase, construction or improvement of homes on Federal Trust Land.
  • Purchase or build an adapted home with an Adapted Housing Grant. Veterans with a permanent and total service-connected disability can get help with a new home or modifying an existing home.

If you’re over 60 and have 20 or more years of active service, you might want to check into Armed Forces Retirement Homes. The AFRH currently has two communities — in Gulfport, Miss., and Washington, D.C. Contact them to see if you can apply.

Find financial assistance

Having difficulty making payments? Late payments can happen. Don’t beat yourself up — instead, address it. Your community is here to help.

  • Military OneSource offers financial counseling for retirees and service members who were discharged under honorable or general discharge under honorable conditions for up to 365 days after their retirement, end-of-tour or discharge date.
  • Visit the VA website for information on what to do when payments can’t be made or financial troubles arise.
  • HUD also provides resources on avoiding foreclosure.
  • If you or someone you know is at risk of homelessness, contact your local VA medical center, call 877-4AID-VET (877-424-3838) or visit va.gov/homeless. VA can connect you with resources to get you back on your feet.

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