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Generally, you're eligible if you've served 90 consecutive days of active service during wartime, 181 days during peacetime, or 6 years in the National Guard or Reserves. Surviving spouses of service members who died in the line of duty may also qualify. Aidan can verify your eligibility quickly. Just reach out.

Yes. Your VA entitlement is reusable. If you've used it before and paid off the loan, your full entitlement is typically restored. You can even have two VA loans simultaneously in certain circumstances. This is one of the most underutilized aspects of the benefit. Ask Aidan about your specific situation.

The VA funding fee is a one-time charge (typically 1.25%–3.3% of the loan amount) that helps sustain the VA loan program. It can be rolled into your loan so you don't pay it at closing. Importantly, veterans with a service-connected disability rating of 10% or more are exempt from the fee entirely.

Yes, and many military buyers do exactly this. We can work remotely through the entire process—application, pre-approval, even closing—so you can have a home ready when you arrive. We're experienced with the unique timing pressures of PCS moves.

Some do. Raeford and portions of Hoke County are worth checking. USDA eligibility is based on the specific property address, not the general area. We can verify any address for free in a few minutes.

The VA Interest Rate Reduction Refinance Loan is a streamlined refinance to lower your existing VA loan rate with minimal paperwork. Aidan is an expert in these and can guide you with confidence and clarity.