Mission-Ready Support for Military Members & Families Moving

Why Work With Me?

What Is a VA Loan?

As a retired Senior Chief Petty Officer and certified Military Relocation Professional (MRP), I understand the stress of PCS moves, VA loan confusion, and finding the right home near base. I built this bundle to make your transition smooth, affordable, and anchored in community.

What Is a VA Loan?

A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs (VA) for eligible service members, veterans, and surviving spouses, allowing them to purchase, build, or renovate a home with potentially no down payment and no private mortgage insurance (PMI). These loans are issued by private lenders, but the VA's guaranty protects the lender, making it a valuable tool for homeownership that offers advantages like limited closing costs and the ability to prepay without penalty.

Key Benefits

No Down Payment: For those who meet the requirements, a VA loan allows for 100% financing, meaning no down payment is typically required.
No Private Mortgage Insurance (PMI): Unlike conventional loans, VA loans do not require PMI, which can significantly lower the overall cost of homeownership.
VA Funding Fee: The VA typically charges a funding fee to help cover the program's costs, though some veterans are exempt, particularly those with service-connected disabilities.
Lender-Guaranteed: The VA guarantees a portion of the loan, which reduces risk for lenders and makes it easier for them to offer these loans to eligible individuals.
Flexible Terms: VA loans may come with competitive interest rates, and they do not have prepayment penalties, allowing you to pay off the loan early without extra fees.
Lifetime Benefit: The VA home loan benefit can be used multiple times throughout a veteran's lifetime.

Who is Eligible

Trusted VA Lenders

Active-duty service members, Veterans, Eligible surviving spouses, and Members of the National Guard and Reserves. .

Trusted VA Lenders

Cadence Bank - Allen Bethel 901-210-5860

allen.bethel@cadencebank.com

Independent Bank - Ludy Callaway 901-494-4400

Ludy@i-bankonline.com

Cross Country Mortgage - Zane Deaver 901-680-1927

Zane.Deaver@ccm.com

NSA Mid-South

Trusted VA Lenders

Naval Support Activity Mid-South (NSA Mid-South) in Millington, Tennessee, is a key U.S. Navy installation serving as the Navy’s Human Resources Center of Excellence. Part of Navy Region Southeast, it hosts major commands including Navy Personnel Command, Navy Recruiting Command, and the Navy Manpower Analysis Center, along with Marine Corps and Army Corps of Engineers units. Over 7,500 military, civilian, and contract personnel work on base.

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164th Airlift Wing

The 164AW operates the USAF's premier strategic airlifter, the C-17 Globemaster III. Capable of refueling in flight and operating at low level to forward operating bases in combat zones, the C-17 provides our nation unparalleled access to global hotspots in a matter of hours. Whether delivering supplies and ammunition to warfighters, evacuating patients to life-saving care, or enabling State agencies to respond to disasters, the 164AW delivers hope. .

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PCS Checklist

164th Airlift Wing

Relocating to Greater Memphis? Whether you're PCSing or transitioning to civilian life, this checklist covers everything from housing and schools to utilities and VA loan prep. Built by a retired Senior Chief Petty Officer, it’s designed to keep your move organized, stress-free, and mission-ready.

Download the checklist or schedule a relocation consult—I’ve got your six.

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