-
-
MilLife Topics
- Military Basics
- Deployment
- Transitioning & Retiring
- Casualty Assistance
- Moving & PCS
- Housing & Living
- Recreation, Travel & Shopping
- Relationships
- Parenting
- Special Needs
- Health & Wellness
- Safety From Violence & Abuse
- Financial & Legal
- Education & Employment
- I am a…
- Benefits & Resources
- Benefits
- Back to Menu
- View Benefits Finder
- View Benefits Finder
- Moving
- Military OneSource Services
- Planning & Prevention
- Discounts & Perks
- Pay & Leave
- Education & Employment
- Recreation
- Family & Child Care
- Relationships
- Health Care & Emotional Well-being
- Retirement
- Assistance Programs
- Housing
- Shopping
- Legal
- Travel
- Popular Benefits
- MilTax
- Space-A Travel
- DOD MWR Libraries
- Resources
- Back to Menu
- View Resources Finder
- View Resources Finder
- MilLife Guides
- Military OneSource Network Websites
- Podcasts
- Government Websites
- Webinars
- External Websites
- Directories & Tools
- Online Learning
- Mobile Apps
- Popular Resources
- MilitaryINSTALLATIONS
- Plan My Move
- Moving Personal Property
- DPS Login
- Other Resources
- Data, Research & Statistics
- Products
- Back to Menu
- View Products Finder
- View Products Finder
- Popular Product Types
- Book/Booklets
- Fact Sheets
- Brochures
- Flyers
- Educational Items
- Posters
- Popular Products
- School Liaison Flyer
- Steps to a Smart Move Infographic
- Big Life Journal - Teen Edition
- Domestic Violence Reporting Options Poster
- ABCs of Building Social Skills and Friendships Children’s Book
- Preparing for Your Child's College Education flyer
- Confidential Help
24/7/365 Access to Support
No matter where you serve or live, free and confidential help is available.
- In Crisis?
- Veterans/Military Crisis Line
- Back to Menu
- Veterans/Military Crisis Line
- PhoneLive ChatInternationalWebsite
Dial 988 then press 1 or text 838255
- National Domestic Violence Hotline
- Back to Menu
- National Domestic Violence Hotline
- PhoneLive ChatText
Call 800-799-SAFE (7233)
Text “START” to 88788
- DOD Safe Helpline - Sexual Assault Support
- Back to Menu
- DOD Safe Helpline - Sexual Assault Support
- PhoneLive ChatWebsite
Call 877-995-5247
- 988 Suicide & Crisis Lifeline
- Back to Menu
- 988 Suicide & Crisis Lifeline
- PhoneLive ChatTTY
Call 988
Use your preferred relay service, or dial 711 then 988
- Domestic Abuse Victim Advocate Locator - Family Advocacy Program
- Back to Menu
- Domestic Abuse Victim Advocate Locator - Family Advocacy Program
- Interactive Tool
In the United States, call 911 if you are in an emergency.
For those outside the United States, call your local emergency number.
- 800-342-9647
- Call Us OCONUS
- Call Us TTY/TDD
- Live Chat
- About Us
- Browse By Program/Office
- Casualty & Mortuary Affairs
- Child & Youth Advocacy
- Child & Youth Programs
- Commissary, Military Exchange & Lodging
- Family Advocacy Program
- Military Community Support Programs
- Military & Family Life Counseling
- Military Family Readiness Programs
- Military Funeral Honors
- Morale, Welfare & Recreation (MWR)
- Office of Special Needs
- Personnel Accountability & Evacuations Operations
- Spouse Education & Career Opportunities
-
Contact Military OneSource
Information and support for service members and their families. About the Call Center.
- 800-342-9647
- Call Us OCONUS
- Call Us TTY/TDD
- Additional Ways to Contact Us
ARTICLEBuying a Home: Using a Real Estate Agent vs. Doing It Yourself
6 minute read • March 14, 2024If you’re thinking about buying a home, one of the first decisions you’ll face is whether to use a real estate agent or handle the homebuying yourself. Either way, real estate shopping as a member of the military may present challenges. Military schedules can be unpredictable, which can be tricky when searching for and buying a home.
Some service members choose to live on installation or rent off installation while deciding where, and if, to buy a home. Learn more about housing options for service members and families, and read on to find out how real estate agents can help.
How a real estate agent can help
Real estate agents can be a good first point of contact in your new community even before you arrive. They can:
- Act as your expert in the homebuying process, as they do this for a living.
- Help you evaluate homes.
- Advise you on neighborhoods and schools.
- Alert you to commute times and more.
- Line up homes to show you, saving you time from doing it yourself.
- Provide negotiation expertise with the ability to craft a purchase agreement that gives you flexibility.
- Do all the paperwork involved in buying a home.
How much home can you afford?
Take the guesswork out of your home finance with these 10 calculators.
If you choose to move on installation or rent off installation during your homebuying process, a real estate agent can be a great resource especially if your timeline is tight and you are ready to buy. A real estate agent in your new location can:
- Schedule several showings on one day or weekend.
- Help you make an offer quickly if necessary.
- Can also serve as your eyes and ears during the process if you decide to buy a home sight unseen.
A good real estate agent is also an expert in the technical parts of the homebuying process, such as securing financing, drafting contracts and taking care of legal details, which can be complicated.
In many communities, there are military or veteran-friendly real estate agents who will know the local market and also be familiar with military considerations, such as VA Home Loans. Ask your sponsor or a member of your new unit for local real estate agent recommendations or search online for military-friendly agents.
Buying a home without a real estate agent
Buying a home without a real estate agent can save you – and the seller – money. While real estate agent commission fees are generally paid by the seller, they are often included in the cost of the home. When considering this route, be aware that buying a home on your own can take significant time and research on your part.
If you choose to be your own agent, here are a number of items to consider:
- Find the home you would like to buy.
- Research the cost of homes in that neighborhood. Don’t rely on the asking price, but search for recently completed sales to get a better understanding of the real value of local homes.
- Negotiate a price.
- Make a formal offer.
- Build contingencies into your offer to ensure you can cancel the contract if needed.
- Secure seller disclosures, inspection and code requirements to make sure you understand the true condition of the home.
- Find your own title and mortgage companies.
If you are considering a home that is listed as “for sale by owner,” remember you are still free to hire a buyer’s agent to represent you in the process. A buyer’s agent can help you with the paperwork, inspection and legal technicalities of home buying. Keep in mind you will likely be responsible for paying your agent in this case.
If you choose not to have any agents involved at all, consider hiring a real estate lawyer to guide you through the process. A lawyer will likely cost less than an agent, but they can review your contract and offer advice. You can also consult with your installation legal services/JAG office to review any paperwork before signing anything.
Military housing benefits, services and considerations
Basic Allowance for HousingMost service members living off-installation receive a Basic Allowance for Housing. This allowance varies by local rental market, paygrade, inflation and number of dependents. Keeping your mortgage or rent at or below your BAH is a good financial decision. Make sure to take a close look at your housing budget before you make an offer on a home.
VA Home LoansThe Veterans Affairs Home Loan Program is a substantial benefit for service members. These loans may require no down payment, no private mortgage insurance and offer negotiable interest rates. VA loans come with a few requirements, including passing a more stringent home inspection process and a VA funding fee.
Other Military ConsiderationsAs you know, military life can affect your home life. Access to military services and other lifestyle considerations may impact where you want to live and what kind of home you need. Be sure to weigh:
- Adaptative housing requirements
- The maintenance required for outdoor spaces, especially if you may be gone on deployment or to a temporary duty station
- Distance to child development centers or other day care facilities
- Whether you want to keep or sell the house after leaving the area
The military Relocation Assistance Program
The military Relocation Assistance Program offers a wide variety of moving resources and services including information about housing options, financial counseling, community demographics and more. Contact your installation Military and Family Support Center to see if they offer a class on homebuying and ask about other relocation resources.
Still have moving questions or need help finding information? Military OneSource consultants are available 24/7 to help answer your questions and connect you with the resources you need to master your move. Call 800-342-9647, use OCONUS calling options or start a live chat.
Learn about military bases worldwide. Get installation overviews, check-in procedures, housing, neighborhood information, contacts for programs and services, photos and more.
Your session will expire in 5 minutes.Click "Extend" below to stay logged in.
This site is for testing purposes only.If you are part of the general public, navigate to the public site. This site is solely for testing and approving site pages before they are released to the general public.