July 19, 2024

Navigating the home buying process is a big adventure, and when your spouse is deployed, it can feel like you’re trekking up a mountain solo. But don’t worry—I’ve got your back! As a fellow military spouse and real estate agent in the Virginia Beach area, I know the ins and outs of buying a home during deployment. Here’s a comprehensive guide to help you through this journey, ensuring you’re well-prepared every step of the way.

The Essentials

1. Power of Attorney (POA)

First things first, make sure you have a Power of Attorney. This legal document allows you to make decisions and sign paperwork on behalf of your spouse. Without it, you’ll hit roadblocks faster than you can say “deployment.” A POA is crucial for handling all legal and financial matters, so get this sorted out well in advance.

Resources:

• Military OneSource: Understanding Power of Attorney

• RLSO Mid-Atlantic - Legal Services Offices

2. Budget Breakdown

Know your budget inside and out. Include all expenses such as utilities, HOA fees, and maintenance. Having a clear financial picture will help you avoid any surprises. Use budgeting tools and apps to keep track of your expenses and savings, ensuring you’re financially ready for the big move.

Resources:

• MilitaryOneSource: Budgeting & Saving

• NerdWallet: Home Affordability Calculator

3. Pre-Approval

Get pre-approved for a mortgage. This shows sellers you’re serious and can afford the home you’re eyeing. Plus, it gives you a solid budget to work with. Pre-approval also speeds up the buying process, making you a more attractive buyer in a competitive market.

Resources:

• Bankrate: How to Get Pre-Approved for a Mortgage

• Get Pre-Approved for a VA Loan in Any State w/ ONE Presidential (A trusted LOCAL Lender!)

• Navy Federal Credit Union: VA Loan Calculator

4. Real Estate Agent

Find a real estate agent who’s flexible, communicative, and transparent (hint: someone like me!). You need someone who understands the military lifestyle and can navigate the unique challenges that come with it. Look for an agent with experience working with military families and knowledge of VA loans and other military-specific benefits. In fact, 9 out of 10 of my clients are active duty, so you’ll be in good hands.

Resources:

• Read MY Client Testimonials! ⭐⭐⭐⭐⭐

• USAA: 14 Questions For Your Real Estate Agent

5. Virtual Tours

Take advantage of virtual tours and video walkthroughs. With your spouse deployed, they’ll appreciate being able to see potential homes, even from thousands of miles away. Many real estate agents offer virtual showings, allowing you to explore homes in detail without being there in person.

Resources:

• Zillow: Virginia Beach Homes w/ 3D Video Tours

• AZ Big Media: 10 Questions to Ask During a Virtual Home Tour

6. Home Inspections

Never skip a home inspection. This can save you from unexpected repairs down the line. Make sure the inspector is thorough and provides a detailed report. If possible, attend the inspection virtually or have a trusted friend or family member be there to ask questions on your behalf.

Resources:

• American Society of Home Inspectors: Find an Inspector

• HUD - For Your Protection: Get a Home Inspection

• Safe House Property Inspections

7. Neighborhood Research

Do your homework on neighborhoods. Check out crime rates, school ratings (if that’s applicable for your family), and commute times. Websites like NeighborhoodScout and Niche can be helpful. Drive around the area at different times of the day to get a feel for the community and its vibe.

Resources:

• NeighborhoodScout: Neighborhood Data

• Niche: Places to Live Rankings

8. Backup Plans

Have a Plan B (and maybe even a Plan C). Deployment schedules can change, and you need to be prepared for any delays or extensions. Flexibility is key. Consider temporary housing options or short-term rentals as a fallback in case your closing date gets pushed back.

Resources:

• Airbnb: Short-Term Rentals

• MilitaryByOwner: Temporary Housing

9. Communication

Keep the lines of communication open with your spouse. Regular updates and video calls can help them feel involved and make the decision-making process smoother. Share photos, videos, and details about the homes you’re considering to keep them in the loop.

Resources:

• Signal Messenger

• WhatsApp: Messaging and Calls

10. Support System

Lean on your support system. Friends, family, and fellow military spouses can offer advice, lend a hand, or simply be there to listen. Don’t hesitate to reach out. Military spouse groups and online forums can also be valuable resources for tips and emotional support.

Resources:

• Military Spouse: Support Groups

• Military Family Support: Resources and Assistance

Wrapping It Up

Buying a home while your spouse is deployed can be challenging, but with the right preparation and support, it’s absolutely doable. Keep these tips in mind, stay organized, and remember—you’re not alone in this. There’s a whole community of military families who’ve been through it and are ready to help you succeed.

Your partner in all things real estate,

Ally

PS: Feel free to ask any questions or share your own experiences in the comments below! Let's get through this together. ⬇️

Spouse deploying soon?! Drop me a line and I'll send you a Deployment Survival Guide! Getting ready to buy a home while flying solo? Set up a Real Estate Goals Consultation Here: Let's Get In Touch!