PCS to Fort Liberty, NC? Here’s Why a VA Home Loan To Buy Near Ft Bragg Might Be the Best Move You Make
So, what should you do when your permanent change of station (PCS) orders to Fort Liberty, North Carolina (formerly known as Fort Bragg) arrive? One of the biggest decisions you’ll need to make is whether to rent, live in military housing, or buy a home of your own.
For many military families—especially those stationed with the XVIII Airborne Corps, 82nd Airborne Division, or U.S. Army Special Operations Command (USASOC)—owning a home near Fort Bragg brings stability, freedom, and long-term financial benefits.
Let’s walk through the reasons why using a VA home loan to buy near Fort Bragg might make sense for your family.
Why Buy Instead of Rent?
While renting or living on base might seem easier, it’s not always the best long-term solution. Here’s why buying could be smarter:
-
You build equity with every mortgage payment—rent payments build your landlord’s wealth, not yours. Other parts of the Country, like Texas and Florida are seeing a slow down in the housing market, and properties are not selling very quickly or for asking price. We do not have that situation in NC – as we have JOBS, and a very positive Employment environment.
-
You have more freedom to choose where and how you live.
-
You may save money with the VA Loan’s low rates and no down payment. If you have a 3% appreciation on a $300,000 home over a 5 year period, you could realize a profit of more than $50,000! It is hands down the best way to create generational wealth!
Many of the Veterans we work with prefer the peace and space of more rural towns like Raeford or Hope Mills. And when it’s time to retire, many officers settle in Pinehurst, known for its golf courses and charming Southern lifestyle. Using your benefits for a VA home loan to buy near Fort Bragg can put you near Raleigh as well. Many families have one person report to base, and another drive closer to the Capitol to work.
Choose Your Ideal Location
Buying a home near Fort Bragg gives you control over where you live. Whether your family prefers the buzz of Fayetteville, the calm of Hoke County, or access to top-rated schools, owning your home gives you the freedom to:
-
Pick the school district that works best for your kids – there are 5 different County School Districts adjoining Ft Bragg, and Wake County (with the State’s largest district) is just on the other side of Harnett County.
-
Choose a quieter or more spacious neighborhood
-
Avoid base housing waitlists and inspections
As locals, we know the area inside and out. We’ll connect you with trusted real estate agents who can help you explore all the options near Fort Liberty.
What Makes the VA Loan So Special?
1. No Down Payment
With a VA Loan, qualified buyers can purchase a home with $0 down. Using a VA home loan to buy near Fort Bragg means there’s no need to save tens of thousands of dollars just to get started.
| Loan Amount | 0% Down | 5% Down | 10% Down | 20% Down |
|---|---|---|---|---|
| $150,000 | $0 | $7,500 | $15,000 | $30,000 |
| $250,000 | $0 | $12,500 | $25,000 | $50,000 |
| $350,000 | $0 | $17,500 | $35,000 | $70,000 |
| $450,000 | $0 | $22,500 | $45,000 | $90,000 |
Need a custom estimate? Call us at 919-649-5058 to find out more about using a VA home loan to buy near Fort Bragg!
2. No Private Mortgage Insurance (PMI)
Unlike conventional loans, VA Loans don’t require monthly PMI, which can save you hundreds each month.
| Loan Amount | Monthly PMI Savings |
|---|---|
| $150,000 | $115/mo |
| $250,000 | $191/mo |
| $350,000 | $268/mo |
| $450,000 | $345/mo |
3. Lower Interest Rates
VA Loans often come with rates 0.5% to 1% lower than conventional loans. That means thousands in savings over the life of your loan when you use a VA Home Loan To Buy Near Ft Bragg.
| Loan Amount | Savings (0.5%) | Savings (1.0%) |
|---|---|---|
| $150,000 | $14,760 | $28,800 |
| $250,000 | $24,480 | $48,240 |
| $350,000 | $34,200 | $67,320 |
| $450,000 | $43,920 | $86,400 |
4. Use Your BAH Wisely
Your Basic Allowance for Housing (BAH) can be counted as income, and in many cases, it can cover most or all of your monthly mortgage payment. That’s like turning your housing benefit into a path toward homeownership. Think of all the Equity you could build using a VA home loan to buy near Fort Bragg!
5. No Prepayment Penalties
VA Loans allow you to pay off your mortgage early with no penalty, giving you flexibility to refinance, move, or even buy your next home when your PCS orders come in.
Local Experts Make the Difference
Buying a house can feel overwhelming, especially during a PCS. That’s why it helps to work with someone local—someone who understands the area, the military lifestyle, and how VA Loans work in North Carolina.
Unlike call centers in other states, we live here, and we know the agents, attorneys, appraisers, and lenders who can help make your move smooth when you are using VA home loan to buy near Fort Bragg!
And here’s a heads-up: Starting May 1, 2025, Zillow and some other websites may no longer show all available listings due to national real estate lawsuit changes. We work with agents who can make sure you don’t miss a thing!
Ready to Get Started?
If you’re moving to Fort Liberty—home to the XVIII Airborne Corps, the 82nd Airborne Division, and USASOC—let’s talk about how a VA Loan can help you settle into a home that fits your lifestyle and your future. Using a VA home loan to buy near Fort Bragg, just makes sense! Even if you owned a home somewhere else! Call or text Steve and Eleanor Thorne at 919-649-5058 or reach out online. We’re here to serve those who serve.
I try and answer all questions :)