Buying your first home is a major milestone—but for military families relocating to Fort Stewart, the process comes with additional layers of planning and timing. From understanding your VA loan benefits to coordinating a cross-country move on a tight schedule, it’s important to be informed and prepared. This comprehensive first-time homebuyer checklist is designed specifically for military families PCSing to Coastal Georgia and looking to make a confident, well-timed purchase.

Step 1: Understand Your VA Loan Eligibility

One of the greatest financial benefits of military service is access to the VA home loan program.

• Zero down payment: Unlike conventional loans, VA loans allow eligible service members and veterans to buy a home with no down payment required.

• No private mortgage insurance (PMI): VA loans eliminate this extra monthly cost, which can save buyers hundreds each month.

• Competitive interest rates: VA loans often offer lower interest rates than traditional mortgage options.

Start by obtaining your Certificate of Eligibility (COE) through the VA or a lender. This document verifies that you qualify for the program and is required before your loan can be processed.

Step 2: Choose a Military-Specialized Real Estate Agent

Working with a Realtor who understands the challenges of a PCS move is essential.
A local agent familiar with Fort Stewart and the surrounding communities—such as Hinesville, Richmond Hill, Ludowici, and Midway—can guide you toward areas that fit your budget, lifestyle, and commute preferences.
The right agent will also:

• Schedule virtual showings if you're out of state

• Help coordinate timing with your orders

• Connect you with military-friendly lenders and inspectors

Step 3: Calculate Your Budget and Monthly Affordability

When buying your first home, it’s important to look beyond just your loan pre-approval amount.
Key considerations include:

• Use your BAH (Basic Allowance for Housing): Your BAH can help cover your mortgage payments. Local BAH rates for Fort Stewart vary depending on rank and dependency status.

• Account for one-time costs: Budget for closing costs, home inspection fees, and moving expenses.

• Prepare for ongoing expenses: Include property taxes, homeowners insurance, utilities, and maintenance.

Step 4: Research Local Neighborhoods Near Fort Stewart

Coastal Georgia offers several communities ideal for military families. Here are a few of the most popular:

• Hinesville: Close proximity to Fort Stewart, more affordable home prices, and military-friendly resources.

• Richmond Hill: Highly rated school systems, a more suburban feel, and a slightly longer commute.

• Midway and Ludowici: Quieter, rural environments with larger lots and growing development.

Consider your family's lifestyle, school preferences, and daily commute when narrowing down your options.

SteP 5: Begin House Hunting With a Plan

Once you're pre-approved and have a clear idea of what you’re looking for, start your search.

• Make a list of your must-haves and nice-to-haves

• Schedule both in-person and virtual showings

• Work with your agent to prepare competitive offers based on market conditions

If you’re relocating on short notice, many families choose to buy a home virtually with help from a trusted Realtor on the ground.

Step 6: Finalize Your Purchase and Prepare for Move-In

After your offer is accepted, there’s still work to do:

• Schedule a home inspection and negotiate any necessary repairs

• Coordinate your closing date with your PCS timeline

• Set up utilities, internet, and trash service before arrival

• Research local moving companies or military relocation support services

Conclusion:

Buying your first home is a significant step—but with the right support and planning, it can be a smooth and empowering process. Military families relocating to Fort Stewart are in a unique position to take advantage of VA benefits and partner with local experts who understand their needs.

If you’re considering a move to Coastal Georgia and want guidance through every step of your homebuying journey, contact Jimmy Shanken at 912-400-0753 or click here. Our team specializes in working with military families and first-time buyers to make the transition easier and more rewarding.