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A PCS move can be exciting, but it can also be stressful if you don’t have the things you need close at hand. Whether you’re moving CONUS or heading OCONUS, one of the best tips I give military families is to keep a small “PCS essentials bag” with you at all times during the move . Movers, flights, delays, and temporary lodging can all create situations where your household goods aren’t immediately available.

Here are a few must-have items you should always carry with you during a PCS move:

Important Documents \ Keep all critical paperwork in one secure folder or binder. This includes orders, IDs, passports, medical records, school records, housing paperwork, and vehicle documents. These items should never be packed with household goods .

Medications and Medical Items \ Bring enough medication to last at least a few weeks. Include prescriptions, glasses or contacts, and any essential medical supplies for family members.

Chargers and Electronics \ Phones, tablets, laptops, and their chargers are essential for navigation, communication, and accessing travel information. PCS moves often involve long travel days and unexpected schedule changes.

A Few Days of Clothing \ Pack enough clothes for several days in case your household goods shipment is delayed. Include comfortable travel clothes and weather-appropriate items for your destination.

Basic Toiletries \ Items like toothbrushes, toothpaste, deodorant, soap, and other daily essentials will make those first few nights in temporary lodging much easier.

Snacks and Water \ PCS travel days can be long. Having snacks and water on hand is especially helpful when traveling with children.

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Navigating the "Great Reset": 5 Tips for Buying a Home in 2026

If you’ve been sitting on the sidelines of the real estate market for the last few years, you aren't alone. Between skyrocketing prices and "sticker shock" mortgage rates, the dream of homeownership has felt more like a marathon uphill.

However, as we move into March 2026, the landscape is shifting. Economists are calling this "The Great Housing Reset." We are seeing a move toward a more balanced market—one where buyers finally have a bit of breathing room. If you’re ready to jump in, here are five essential tips to navigate today’s unique market.

Marry the House, Date the Rate

Mortgage rates have finally retreated from their 2024 peaks, currently hovering in the low 6% range (with the 30-year fixed averaging around 6.12% as of early March). While we all miss the 3% era, waiting for a "perfect" rate can be a trap.

In 2026, inventory is up nearly 10% year-over-year , but price growth is still ticking up slightly (around 2%). If you find a home that fits your life, buy it. You can always refinance later if rates dip further, but you can’t go back and buy today’s home at yesterday’s price.

Focus on "Real" Affordability

For the first time in years, wage growth is outpacing home price growth. This means that even if the "sticker price" of a home looks high, it may be more affordable relative to your income than it was two years ago.

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If you've ever felt overwhelmed by endless listings, mismatched priorities, or juggling search notes across apps and spreadsheets, you're not alone. We rebuilt MustWants with those exact frustrations in mind: to give you a clearer path, better tools, and real people who understand military moves.

A redesigned experience that thinks as you do

Change can be small yet powerful. We redesigned every page and interaction so your search feels intentional, not accidental.

MustWants now ranks homes by how well they meet your mission-critical PCS priorities: the first results you see are the ones that matter most. The new algorithm refines your preferences (think schools, commute, yard size, and more) and weighs them against listings to give each home a clear score. That helps you and your partner make decisions faster, without second-guessing.

We also added AI to accelerate the matching process. Rather than replace judgment, AI surfaces better matches — saving reading time and reducing guesswork. The mobile and web experience now merge, so notes, favorites, and mission briefs follow you from the laptop to the car ride to the base.

This redesign keeps things simple and focused: fewer clicks, more context, and a home search that adapts to your priorities as they change. 🏡

Trusted pros you can count on: vetted, military-aware, and growing daily

Moving to a new duty station brings enough unknowns. Your real estate pros shouldn't be one of them.

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A home isn’t just a structure made of walls, windows, and a roof—it’s a feeling.

It’s the sense of relief when you walk through the door after a long day. The comfort of knowing this is the place where your life happens. Home is where routines are formed, milestones are celebrated, and quiet moments matter just as much as the loud ones.

For some, home means stability after years of moving. For others, it’s a fresh start, a next chapter, or a long-held dream finally realized. It’s where kids grow, friendships deepen, and memories are created without anyone realizing they’re happening in the moment.

That’s why buying or selling a home is never just a transaction. It’s personal. It’s emotional. It’s about finding a space that aligns with how you live—and how you want to feel when you’re there. Square footage and features matter, but what matters more is whether a place feels right when you step inside.

As a REALTOR®, my role goes beyond opening doors and reviewing contracts. It’s about listening, understanding what “home” means to you, and helping you find a place where you truly belong.

Because at the end of the day, a house is just a house—but a home is a feeling you carry with you every time you turn the key.

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Moving is full of trade-offs—especially when timelines, schools, work, and emotions all press in at once. If you’re planning a PCS or a big move, the tight window and unfamiliar neighborhoods make it easy to grab the first “nice” house and later wonder if you missed the real priority.

This article helps you stop the guessing and choose what truly matters with clarity and compassion.

MustWants was built to do exactly that: organize your priorities, reduce friction with your partner, and connect you with people and tools who understand your life. 🏠

Start with What Matters: Define "Musts" vs "Wants" Together

Before you click on another listing, pause and talk — not about paint colors or countertops, but about the non-negotiables. A “must” is the feature that, if missing, makes the home a deal-breaker; everything else belongs in the “want” column. This step saves time, reduces second-guessing, and builds shared expectations with your partner.

Tell a short story:

Imagine you’re two weeks from arrival and one partner prioritizes a one-level layout because of recent back pain, while the other wants a larger yard for the kids. Without naming those priorities clearly, you’ll be torn between two houses that each feel right in different ways. Using a ranked list prevents late-night regrets and repetitive debates. It also helps when time is short: you can quickly filter homes that fail a core requirement and focus your energy where it counts.

MustWants guides this conversation with simple, visual tools. The app lets you list, rank, and name what matters most, then compare those rankings with your partner—so disagreements become data, not drama. When priorities are clear, decision-making becomes pragmatic and kinder to relationships.

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As the leaves change and cooler weather rolls in, the real estate market shifts right along with the seasons. While spring and summer often get all the attention, October can actually be one of the best times to make your move—whether you’re buying or selling.

Here’s why October might be the perfect month for real estate opportunities:

Less Competition With summer behind us, there are fewer buyers competing for the same homes. This can give you more negotiating power and a better chance of landing your dream property. Serious Buyers and Sellers People looking to buy or sell in October often have a reason—they’re motivated. This can make the process smoother and quicker compared to the busier months. End-of-Year Goals Many families and individuals want to settle into a home before the holidays or close a deal before year’s end for tax purposes. Seasonal Charm Fall curb appeal is underrated. Pumpkins on porches, autumn wreaths, and cozy staging can make homes feel extra inviting and help sellers stand out. Great Time for House Hunting Cooler weather makes touring homes more enjoyable. Plus, you get to see how a house feels in a different season—important for comfort and energy efficiency.

Tips for Buyers and Sellers This October:

Sellers: Highlight seasonal décor, keep walkways leaf-free, and showcase cozy features like fireplaces. Buyers: Pay attention to how homes handle cooler temps, and don’t be afraid to negotiate—this is your season!

🍁 Whether you’re looking to buy before the holidays or considering selling while competition is lower, October is full of opportunity in real estate.

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When you own a home, you quickly learn that the little things matter. And one of the smallest, most overlooked things? Your air filter. That thin, pleated square hiding in your HVAC system is actually one of the cheapest investments you can make in protecting your home’s value, your comfort, and yes—even your wallet.

Let’s have a little fun with it:

Your HVAC System Can Finally Breathe

Think of your HVAC system as the lungs of your home. When the filter’s clogged, it’s like asking your house to run a marathon while breathing through a sock. A clean filter makes life easier on your system, helping it last longer and keeping you from facing those dreaded “new AC unit” bills.

Cleaner Air, Happier Homeowners

Dust, pollen, pet hair, and whatever mysterious fuzz tumbles out from under your couch—all of it gets trapped in that filter. Replace it regularly and your indoor air stays fresher and healthier. (It won’t stop your dog from rolling in the yard and dragging it inside, but hey, we take the wins we can get.)

Lower Energy Bills = More Coffee Money

Dirty filters make your system work harder, which means higher energy bills. Fresh filters keep things running efficiently and keep money in your pocket. That’s cash you can spend on upgrades, savings—or just extra lattes with caramel drizzle.

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When it comes to selling your home, first impressions are everything . Curb appeal isn’t just about making your house “look nice” — it’s about creating an emotional connection before a potential buyer even steps inside. A home with strong curb appeal signals to buyers that the property is well cared for, setting positive expectations for what’s inside.

Simple upgrades can make a huge difference. Freshly cut grass, trimmed hedges, colorful flowers, and even a new welcome mat can enhance the exterior. A fresh coat of paint on the front door, clean windows, updated light fixtures, and power-washed driveways are small investments that often lead to big returns. In today's market, where most buyers start their search online, curb appeal plays an even bigger role. Homes with eye-catching exteriors stand out in photos and attract more interest. A well-maintained home exterior not only increases foot traffic but can also add to your home’s perceived value, sometimes even fetching a higher offer.

If you're preparing to sell, don't overlook the importance of curb appeal ! It could be the deciding factor between a buyer booking a showing or scrolling past your listing.

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As a first-time homeowner, there are many things to learn. Here's a quick tip about garbage disposals that can save you from costly repairs.

What NOT to Put in Your Garbage Disposal

Grease and oil: They solidify and clog pipes Fibrous vegetables: Celery, asparagus, corn husks Bones: Too hard for the blades Pasta and rice: They expand and cause clogs Coffee grounds: They accumulate and clog drains

Keeping Your Disposal Fresh

Run cold water while using the disposal Grind citrus peels for fresh scent Use ice cubes to clean the blades Run regularly to prevent rust

These simple tips can help you avoid expensive plumber visits!

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Moving with pets requires special consideration. This guide covers everything you need to know to keep your furry family members safe during a PCS move.

Before the Move

Visit your vet for updated vaccinations and health certificates Research pet policies at your new location Update microchip information Gather pet records and prescriptions

During the Move

Keep pets in a quiet, secure area during packing Use proper carriers for transport Bring familiar items like toys and bedding Plan for pet-friendly stops on road trips

After the Move

Set up a safe space for pets immediately Find a new veterinarian Maintain routines as much as possible Be patient as pets adjust

MustWants understands that every family member matters—including the four-legged ones!

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Moving to a new community after a PCS (Permanent Change of Station) can be both exciting and daunting for military families. The frequent relocations bring unique challenges—but also fresh opportunities to connect, grow, and create a vibrant home wherever you land.

Get Involved Early

Join local community groups and organizations Attend base events and family programs Connect with your children's school community Explore local clubs and activities

Build Your Support Network

Connect with other military families Join spouse clubs and support groups Find local faith communities Use social media to find local groups

Embrace the Adventure

Each new duty station offers unique opportunities. Explore local attractions, try new restaurants, and immerse yourself in the local culture.

MustWants is dedicated to supporting military families through every transition.

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Buying a home remotely can feel overwhelming, especially when you're preparing for something as significant as a Permanent Change of Station (PCS). The thought of choosing your next home without ever setting foot inside might seem risky or uncertain.

Yet, many military families have successfully embraced this modern approach, finding comfort and confidence by partnering with the right resources and professionals.

Understanding the Challenges

Buying a home from afar has unique hurdles:

Assessing true condition without visiting Coordinating inspections remotely Establishing trust with professionals you haven't met

Identifying Risks—and How to Mitigate Them

Schedule thorough professional inspections Consider comprehensive home warranties Work with agents familiar with your area

The Advantages

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Buying a home is one of the most exciting yet challenging milestones you can face. Especially when life involves frequent moves and changes, like it often does for military families, navigating the path to homeownership can feel overwhelming. One of the most important steps on that journey is understanding, monitoring, and improving your credit score.

What Is a Credit Score and Why Does It Matter?

A credit score is a numeric snapshot of your financial history, showing lenders how trustworthy you are when it comes to repaying debts. In simple terms, your credit score determines the loan offers you qualify for and the interest rates you'll pay.

Where to Find Your Credit Score

You can get a free credit report once a year from AnnualCreditReport.com. For a more detailed figure, many lenders will provide your credit score as part of the pre-approval process.

Quickest Ways to Improve Your Credit Score

Always pay your bills on time. Reduce your credit card balances to lower your credit utilization rate, ideally below 30%. Avoid opening new credit lines before applying for a mortgage.

Aim for a credit score of 700 or above for favorable loan terms.

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For military families planning a PCS move or buying a new home, understanding how VA loans work in 2025 is essential. Navigating home financing can feel overwhelming amidst the challenges of relocation, deployments, and the unique lifestyle military life demands.

Who Is Eligible for a VA Loan in 2025?

The VA loan program is a powerful benefit for veterans, active-duty service members, and certain surviving spouses. In 2025, eligibility generally requires having served at least 21 consecutive days on active duty during wartime or 90 days during peacetime.

What's New in the VA Loan Program for 2025?

The VA home loan program continues to evolve. For 2025:

Increased loan limits in response to rising home prices Zero down payment requirements remain No private mortgage insurance (PMI) required Flexible underwriting standards

Is a VA Loan a Good Choice in 2025?

VA loans offer several advantages:

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Moving from one duty station to another is never just about packing boxes; it's about starting a new chapter in a family’s life. For military families, the process should be streamlined, supportive, and reliable. Unfortunately, recent problems with the Department of Defense’s Global Household Goods Contract (GHC), managed by HomeSafe Alliance, have cast a shadow over what should be a smooth transition. Here’s an empathetic look at the challenges unfolding and the steps being taken to turn things around.

Understanding What Went Wrong

Since April 2024, the GHC program aimed to simplify moves by consolidating household shipment services for military families through HomeSafe Alliance, a joint venture of Tier One Relocation and KBR. Its promise was to offer consistency and efficiency during life-changing transitions, yet thousands of service members have faced the opposite.

Approximately 1,000 military personnel have reported late pickups, delayed deliveries, and communication breakdowns. This widespread disruption has added unexpected stress to already challenging moves.

One root of these issues is the subcontractor network. Many moving companies have turned down contracts with HomeSafe due to below-market compensation rates, limiting the availability of trusted movers who understand military PCS (Permanent Change of Station) moves. Families are sometimes left to choose Personally Procured Moves (PPMs), which can add financial strain and uncertainty.

The seriousness of the situation escalated in January 2025, when U.S. Transportation Command issued a "show-cause" notice to HomeSafe Alliance for hundreds of missed pickups and deliveries. This formal warning underlines the contractor’s struggle to fulfill obligations effectively.

As a result, parts of the Army have already started reverting to the previous moving system to avoid further hardship on service members.

What Actions Are Being Taken to Fix These Challenges?

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Purchasing a new home is one of life’s most exciting and significant milestones. Whether you’re a first-time buyer or looking to upgrade, the journey is filled with anticipation, hope, and plenty of decisions. But before you fall in love with your dream house, there’s something even more important to master: financial readiness .

Understanding your financial landscape not only helps you avoid surprises but truly empowers you to buy with confidence and peace of mind. This guide will walk you through determining your budget and estimating how much home you can afford, with helpful tips and smart tools offered by MustWants to smooth your path. Ready to make smart moves toward homeownership? Let’s dive in!

Determine Your Budget: Your Foundation for Success

Setting your budget is the essential first step of financial readiness when buying a home. It’s more than just picking a number — it’s about truly understanding your money coming in, money going out, and how much you can comfortably allocate to homeownership without straining your finances.

Step 1: Know Your Income and Expenses

Start by calculating your net income — this includes your salary, bonuses, and other revenue. Then, carefully track your monthly expenses: rent or current housing costs, utilities, groceries, transportation, debt repayments, and discretionary spending like dining or entertainment.

Don’t forget to include irregular or periodic expenses such as insurance premiums or annual subscriptions. This comprehensive audit of your monthly cash flow will paint a clear picture of what you can realistically afford.

Step 2: Build Your Savings for Upfront and Ongoing Costs

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Hawaii's Low Property Taxes: A Hidden Advantage for Homeowners

Hawaii’s real estate market is often associated with high home prices, but one financial advantage that many buyers overlook is the state’s exceptionally low property taxes. For owner-occupied homes in Honolulu County, the property tax rate is one of the lowest in the nation, making homeownership more affordable than it might initially appear.

How Low Are Property Taxes in Honolulu County?

As of 2024, the property tax rate for owner-occupied residences in Honolulu County is just 0.35% of assessed value. That means for a home valued at $1,000,000, the annual property tax bill would be approximately $3,500 —significantly lower than in many mainland metro areas.

Additionally, Honolulu County offers exemptions that further reduce the taxable value of owner-occupied homes. Homeowners under 65 receive a $120,000 exemption , while those 65 and older benefit from a $160,000 exemption . Furthermore, completely disabled veterans are exempt from all property taxes except for the minimum tax , providing additional financial relief for those who have served.

Comparing to Other Major U.S. Cities

For perspective, here’s how Honolulu County’s property tax rate stacks up against some major metro areas:

Honolulu, HI – 0.35% San Diego, CA – 0.73% Seattle, WA – 0.88% Denver, CO – 0.48% Austin, TX – 1.68% Chicago, IL – 2.16%

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Preparing for a Permanent Change of Station (PCS) is a challenging yet exciting time for military families. Each move is an opportunity for a fresh start, but the process often brings its fair share of stress. With the right strategies and tools, however, you can make your PCS move smoother, more organized, and even enjoyable. Here’s your guide offered by our military families at MustWants to navigate this important transition, packed with a few tips and insights from our military families to yours.

Embrace the PCS Journey with a Plan 📋

When the orders come in, it’s time to shift into planning mode. The first step is to create a comprehensive checklist. You’ll want to list all necessary tasks, such as setting up a moving day, organizing family documentation, and researching your new location. MustWants is actually building several interactive checklists to empower your family experience.

Organizing Documents

Gather all essential paperwork, including medical records, school records, and military documents. Keeping these documents in a portable file organizer ensures they're accessible through the chaos of moving. This keeps your mind clear so you can focus on what really matters—your family.

Researching Your New Home

Explore your new community online. MustWants website can facilitate connections with vetted real estate agents familiar with military needs such as suitable schools, local amenities, and community resources that support military families. 🔑 MustWants.com isn’t just for finding homes; it’s a platform dedicated to simplifying your home-buying experience. The visual data maps that include schools, walkability, crime, FEMA Risk, Housing Allowance and more, are all designed to help you better orient yourself to the area. Remember Real Estate Agents cannot discuss Crime or Schools, which does create some challenges in truly understanding an area. By creating an account today and using it to gather insights you strengthen your ability to make smart decisions quickly.

By utilizing modern tools like MustWants, you can turn what might feel impossible into something manageable, whether it’s your first time or nineteenth time.

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In a world of DIY solutions and real estate apps, you might wonder why realtors still play such a key role. The truth? Realtors exist to bring expertise, order, and peace of mind to one of the biggest financial decisions of your life.

First, the real estate process is far more complex than it seems. From legal paperwork to zoning regulations and pricing strategies, one wrong move could cost you thousands—or even the deal itself. Realtors ensure every detail is handled professionally and on time.

They also bring insider knowledge that you can’t Google. Realtors know the local market inside-out: which neighborhoods are up-and-coming, which homes are overpriced, and how to negotiate the best deal. Their expertise ensures you don’t overpay or undersell.

And let’s not forget the personal touch. Realtors are advocates, negotiators, and problem-solvers who manage stressful situations so you don’t have to. They fight for your best interests, whether it’s winning a bidding war or navigating tough buyer-seller conversations.

Realtors aren’t just middlemen—they’re your ally in making smart, confident moves in a complicated market. With them, your journey becomes easier, smoother, and far less stressful.

Thinking about your next move? Partner with a realtor and experience the difference!

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Many veterans wonder if they can use their VA loan benefit to purchase a fixer-upper. The answer is nuanced and depends on several factors.

VA Minimum Property Requirements

VA loans have Minimum Property Requirements (MPRs) that a home must meet:

Safe and sanitary living conditions Sound structural integrity Adequate heating and cooling No major safety hazards

A true fixer-upper that doesn't meet these standards may not qualify for a standard VA loan.

VA Renovation Loan

The VA Renovation Loan allows you to purchase a home and include the cost of repairs in your mortgage. This can be a great option for:

Homes that need cosmetic updates Properties requiring minor repairs Houses that need to meet MPRs

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For many people, December is synonymous with holiday shopping, family gatherings, and year-end reflections. But did you know it can also be a fantastic time to purchase a home? While it might seem counterintuitive to tackle a real estate transaction during the hustle and bustle of the holiday season, there are several compelling reasons why December might be the ideal month to make your move.

Motivated Sellers

December often sees a slowdown in the real estate market, which can work to your advantage. Sellers who list their homes during this time are typically motivated to close a deal. Whether they’re looking to relocate before the new year or simply want to avoid carrying their property into the slower winter months, their urgency can translate into better deals for buyers.

Fewer Buyers = Less Competition

The holiday season keeps many potential buyers preoccupied, resulting in less competition for available homes. This reduced demand can create an environment where you’re less likely to face bidding wars and may even have more room to negotiate on price and terms.

Potential Tax Benefits

If you close on your home purchase before December 31, you may be eligible for certain tax deductions, including mortgage interest, property taxes, and potentially points paid at closing. Consult with a tax professional to understand how purchasing a home in December could benefit your financial situation.

End-of-Year Incentives

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As the dust settles after the latest presidential election, many are keeping a close eye on how the political landscape might influence the housing market in various cities across the United States. Wilmington, NC, a coastal gem known for its historic charm and growing economy, is no exception. The real estate market here, like many places, is experiencing shifts that could have implications for both buyers and sellers in the coming months.

The Current State of Wilmington’s Housing Market

Wilmington’s real estate market has shown resilience, with steady demand for homes despite broader economic uncertainties. Historically, the local market tends to hold steady through election years, and 2024 appears to be no different. Factors like job growth, coastal appeal, and a strong community continue to drive interest from buyers, especially those from out-of-state looking for a change of scenery. Wilmington has appeal as a desirable place to live, with its mix of vibrant downtown living, scenic waterfront properties, and proximity to beaches and outdoor recreation. Whether you're in the market for a historic home in the heart of the city or a modern condo with ocean views, the coast may be calling to you! For sellers, this presents an excellent opportunity to capitalize on strong demand.

Looking Ahead: What to Expect

Wilmington’s relatively affordable housing prices (compared to other coastal cities on the East Coast) make it an attractive option for buyers. Plus, the city’s growing economy, anchored by industries such as film production, healthcare, and education, continues to offer stability and long-term investment potential.

Wilmington's real estate market is expected to remain relatively stable. While fluctuations in interest rates and other national factors may affect short-term trends, the area’s strong local economy, attractive lifestyle, and limited housing inventory position it well for sustained growth. As we move past the post-election period, both buyers and sellers can expect a competitive but rewarding market, with opportunities available for those who are prepared.

In summary, Wilmington’s real estate market continues to show strength, driven by its desirable location, economic opportunities, and community atmosphere. Buyers and sellers alike should keep an eye on local trends, but with the city’s appeal as a top destination for relocation, the outlook for real estate remains positive well into 2025.

About the Author

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The holiday season is typically associated with family gatherings, festive lights, and the joy of giving. But did you know it could also be one of the best times to buy a home? If you’ve been considering homeownership, here are some compelling reasons to start your search during the holidays.

Motivated Sellers

During the holiday season, sellers who keep their homes on the market are often highly motivated. They may need to relocate for a job, close a sale before the year ends for tax purposes, or simply want to avoid carrying the property into the new year. This can result in more negotiating power for buyers.

Less Competition

While many buyers put their home searches on hold during the holidays, you can use this quieter market to your advantage. Fewer competing offers mean less pressure and a better chance to secure your dream home at a reasonable price.

Potential for Deals

Historically, home prices tend to stabilize or even dip slightly during the holidays. Additionally, lenders, real estate agents, and other industry professionals may have lighter workloads, allowing for quicker processing and potentially better customer service. Some may even offer year-end promotions or discounts.

Holiday Ambiance

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Moving to a new community is both exciting and challenging for military families. Preparing your family mentally and practically can make the transition much smoother.

Research Your New Area

Before you move, learn as much as you can about your new community:

Schools and educational opportunities Healthcare facilities and providers Recreation and entertainment options Community organizations and support groups

Prepare Your Children

Children often have the hardest time with moves. Help them by:

Involving them in the process Researching fun activities at your new location Helping them say goodbye to friends Setting up ways to stay connected with old friends

Connect Before You Arrive

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Buying a home during a PCS can be overwhelming, especially with family needs, a tight timeline, and market factors to consider. Here’s what I’ve learned as a military spouse moving through multiple duty stations, plus how MustWants can help make your home search easier with expert resources and trusted agents.

Research the Neighborhoods

School and Community Resources: Start by researching local schools and community amenities. For military families, it’s often these community aspects—like family activities and military support groups—that make the biggest difference. The MustWants platform offers a visual map with school scores and walkability, all located within the webpage. In the near future crime, commute times, and more visual data options will be added tailored to your family’s needs.

Commute Time to Base: Commute times vary depending on local traffic and base entry points. Take a drive during peak hours if possible. MustWants is working to add a detailed mapping tool to calculate commute distances from your chosen key locations!

Understand the Local Housing Market

Budgeting and Timing: Military moves often coincide with peak housing season, which means higher prices and competition. MustWants helps by providing visual mapping resources on local BAH (Basic Allowance for Housing) rates and insights on housing market trends to help military families avoid overspending.

Resale and Rental Potential: Since military families move frequently, resale or rental value is essential when choosing a home. MustWants connects you with vetted agents experienced in military moves who understand the market’s demand for rental properties, providing you with a better chance of securing a home that suits both your current and future plans.

Work with a Military-Friendly Real Estate Agent

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Moving under PCS orders is unique to military families and can feel overwhelming, but with the right steps and support, you can turn it into a positive experience. Here's a guide to making your transition smoother, complete with tips on utilizing the resources available through MustWants.

Start Early and Stay Organized

The key to a successful PCS move is starting early. Begin planning as soon as you receive your orders:

Create a timeline with key milestones Gather important documents Research your new duty station Start decluttering and deciding what to move

Use Your Resources

Take advantage of the resources available to you:

Transportation Office briefings Installation housing offices School liaison officers for families with children MustWants platform for connecting with vetted professionals

Housing Decisions

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Buying or selling a home is one of the biggest financial decisions most people will ever make. But for veterans, active-duty service members, and their families, navigating the real estate market often involves unique challenges—whether it's dealing with frequent relocations, understanding VA loan benefits, or adjusting to civilian life. This is where having a military realtor can make all the difference.

As someone who has served in the military and now works as a real estate agent, I can tell you firsthand that the value of using a military realtor goes beyond knowing the basics of buying and selling homes.

Personal Understanding of Military Life

Military realtors bring a personal understanding of the demands of military life. We know what it's like to uproot a family, move to a new duty station, or plan for a future that includes transitioning into civilian life.

Expert Knowledge of VA Loan Benefits

The VA loan is one of the most valuable benefits available to veterans and active-duty service members. However, it can also be complex to navigate. Realtors with military backgrounds have a deep understanding of VA loan benefits and can help you maximize their value.

Relocation and Transition Expertise

Transitioning from military to civilian life can be overwhelming, and housing decisions play a critical role in that process. As a military realtor, I have a deep understanding of these transitions and can help veterans navigate this new chapter.

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For homeowners and potential buyers alike, the allure of Zillow's Zestimate is undeniable. This estimated property value, shaped by a fusion of data sources and algorithms, is a go-to resource. However, the caveat is clear: inaccuracy prevails, particularly in locales with limited recent sales data or distinctive properties.

In our data-centric society, comprehending the origins of Zillow's data is crucial. The primary conduits include Public Records, County and Municipal Records, User-Submitted Data, Machine Learning Algorithms (factoring in property features, location, market trends, and comparable sales), and real estate listing information.

But what about historical accuracy? Zillow claims a nationwide median error rate of 2.4%, which rises to 7.49% for off-market homes. Translated for a $500,000 home, this could mean an estimate deviating by approximately $12,000 or $37,000 in either direction. Higher accuracy is touted for areas with frequent turnovers and multiple sales, yet variables like unknown renovations, incomplete property details, or local trends unaccounted for by Zillow's algorithm can skew the data.

The Zestimate is undoubtedly a valuable tool, placing you in the ballpark in most scenarios, but it's not an etched-in-stone number. For precision, consulting a local real estate agent for a comparative market analysis or hiring an appraiser (typically around $450-$500) is prudent. Ultimately, your home's value is dictated by the market and the willingness of a buyer to pay.

If you're contemplating listing or buying in the vibrant Tampa area and seek an alternative perspective to the Zestimate, don't hesitate to reach out.

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The day has finally arrived, and you just received your orders to PCS (Permanent Change of Station) to MacDill AFB, home of United States Central Command, United States Special Operations Command, and the 6th and 927th Air Refueling Wings. You begin to dream of basking in that Florida sunshine, living only 2 hours from a famous mouse, and imagine yourself running in slow motion on the powdery white beaches. Then the record screeches to a stop as you start scouring Zillow, Realtor.com, and researching all the best areas to live.

Finding the right home is filled with a multitude of steps: price, location, distance to MacDill AFB, and proximity to all the amenities Tampa has to offer is a giant balancing act. You soon come to the realization that moving to Tampa has become expensive, and having it all is quite a challenge. You then start to compromise.

A recent poll was sent out to the MacDill community asking the most important factors when deciding on the area to live in. The number one factor was the commute time to base. Other factors include price and school district, which could be argued strongly correlate. So, what is that sweet spot that aligns a reasonable commute, a good school district, and an affordable price?

Importance of Short Commute Times

Time-Efficiency : A shorter commute translates to more time available for military members to spend with their families, engage in self-care, or pursue additional education and training opportunities. It can be the difference between enjoying quality time at home or being drained by hours spent on the road.

Physical and Mental Well-Being: Lengthy commutes can be physically and mentally taxing, contributing to stress and fatigue. Reducing commute times allows military members to maintain their physical and mental well-being, which is crucial for job performance and overall happiness.

Suburban Alternatives: For those looking to balance affordability with commute time, Tampa's suburbs and surrounding areas offer housing options that are more budget-friendly. While the commute may be longer, the cost savings can be substantial.

Tampa is continuously improving its highway systems, and two honorable mentions for military commuters are the Veteran's and Selmon Expressways.

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The Value of a Vetted Network

A vetted network of real estate professionals ensures that clients receive top-notch service tailored to their unique needs. These professionals are carefully selected based on their expertise, experience, and commitment to excellence. For military families, this means working with agents who understand the nuances of military relocations, lenders who specialize in VA loans, and professionals who can offer personalized advice and support.

Agents: The Cornerstone of Real Estate Transactions

Real estate agents are more than just intermediaries; they are trusted advisors who guide you through one of the most significant transactions of your life. For military families, agents who have relocated as part of military service or as a spouse understand this more than any other Real Estate Professional. “Certifications” are nice, but actually living the experience means they understand what it means to have pets, kids, EFMP, BAH, PCS, TDY, Permissive TDY, and all the other acronyms. In addition, the stress of turning off, turning on, enrolling in school, sports, finding a veterinarian, doctors, and dentist. Is it the right time to buy? Are you at the assignment for 1 or 2 years? Or 3 or 4 years? These agents understand the urgency of PCS (Permanent Change of Station) moves, the benefits of VA loans, and the emotional aspects of military life.

Lenders: Financial Architects of Homeownership

Lenders play a crucial role in the home-buying process, especially for military families. The complexities of VA loans, including their eligibility requirements and benefits, require specialized knowledge. A vetted network of lenders ensures that clients receive accurate information and competitive rates, making the dream of homeownership accessible and affordable. These professionals are adept at navigating the nuances of military benefits, ensuring that veterans and active-duty members can maximize their entitlements. They understand you’ll be back, and they ensure their service is bar none the best and the lowest rate possible.

Military Real Estate Professionals: A Unique Expertise

Military real estate professionals bring a unique set of skills and knowledge to the table. They are not only familiar with the technical aspects of real estate transactions but also understand the lifestyle and cultural aspects of military life. This combination of expertise makes them invaluable partners for military families, offering a holistic approach to real estate that goes beyond mere transactions.

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Military relocations often require quick decisions, and sometimes buying a home sight-unseen becomes necessary. Here are tips to help you navigate this challenging situation.

Partner with a Trusted Agent

Having a reliable real estate agent on the ground is crucial when buying sight-unseen. Look for an agent who:

Has experience with military buyers Understands your timeline and constraints Is responsive and communicative Can provide detailed video tours and photos

Leverage Technology

Take advantage of virtual tools:

Video Tours: Request live video tours where you can direct the agent to show specific areas. D Tours: Many listings now include 3D virtual tours that let you explore the home at your own pace. Google Street View: Check out the neighborhood and surrounding area.

Do Your Research

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When buying or selling a home, a real estate agent can be an invaluable partner. But what exactly does a real estate agent do, and how can they help you?

What Does a Real Estate Agent Do?

A real estate agent is a licensed professional who represents buyers or sellers in real estate transactions. Their primary duties include:

Market Analysis: Agents analyze market conditions and help set appropriate prices for buying or selling. Property Search: For buyers, agents search for properties that meet the client's criteria and arrange showings. Marketing: For sellers, agents create marketing plans to attract potential buyers, including listing on MLS, professional photography, and open houses. Negotiation: Agents negotiate on behalf of their clients to get the best possible terms. Paperwork: Agents handle the complex paperwork involved in real estate transactions. Guidance: Throughout the process, agents provide advice and guidance to help clients make informed decisions.

Why Use a Real Estate Agent?

While it's possible to buy or sell a home without an agent, there are several advantages to using one:

Expertise: Agents have specialized knowledge of the real estate market and the buying/selling process. Time Savings: Agents handle many time-consuming tasks, freeing you to focus on other priorities. Negotiation Skills: Experienced agents are skilled negotiators who can help you get the best deal. Access to Networks: Agents have connections to other professionals, such as lenders, inspectors, and attorneys.

At MUSTWANTS , we connect military families with vetted real estate agents who understand the unique challenges of PCS moves and can provide personalized support throughout the home buying or selling process.

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Closing on a home can be one of the most exciting yet nerve-wracking steps in the homebuying process. It represents the culmination of weeks or even months of searching, negotiating, and planning. However, as the finish line approaches, the complexity of the closing process can introduce a new set of challenges and uncertainties.

To navigate the closing process stress-free, it's essential to have a clear understanding of what to expect and how to prepare. First and foremost, familiarize yourself with the timeline. Closing timelines can vary depending on factors such as the type of financing, the complexity of the transaction, and local regulations. Your real estate agent and lender can provide guidance on the expected timeline for your specific situation.

Gathering the necessary paperwork is another crucial step in preparing for closing. This may include financial documents, proof of insurance, and any additional paperwork required by your lender or title company. Start gathering these documents early in the process to avoid any last-minute scrambles.

Reviewing the closing documents in advance can also help alleviate stress on closing day. Take the time to carefully review the Closing Disclosure, which outlines the final terms of your loan, as well as any other documents provided by the title company or attorney. If you have any questions or concerns, don't hesitate to ask your real estate agent or lender for clarification.

On the day of closing, be sure to bring a form of identification and any funds required for closing, such as the down payment and closing costs. It's also a good idea to conduct a final walkthrough of the property to ensure that it's in the same condition as when you agreed to purchase it.

By following these tips and staying organized throughout the closing process, you can minimize stress and enjoy a smooth and successful closing experience.

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In today's real estate market, VA Loans can be a crucial tool for eligible home buyers.

A VA Loan is a type of mortgage loan in the United States guaranteed by the United States Department of Veterans Affairs. This loan program is designed to offer long-term financing to eligible American veterans or their surviving spouses.

One of the key features of the MustWants App is its ability to facilitate the connection between home buyers and loan originators (Lenders). This makes securing a any home loan to include the VA Loan more straightforward and accessible.

What You Do Want to Know about VA Loans

Eligibility: VA loans are available to active-duty military members, veterans, and surviving spouses who are eligible as per the U.S. Department of Veterans Affairs. No Down Payment: VA loans often require no down payment, making homeownership more accessible. No Private Mortgage Insurance: VA loans do not require private mortgage insurance (PMI), resulting in potential savings. VA Home Renovation Loan: This loan allows eligible borrowers to purchase a home and finance necessary renovations. Limited Closing Costs: The VA limits the closing costs lenders can charge to VA loan applicants.

What You Don’t Want to Know about VA Loans (But Should)

Funding Fee: VA loans typically come with a funding fee that varies based on several factors. Home Inspections: While not required by the VA, home inspections are highly recommended for a thorough look at the home's condition. Lender Fees: The VA limits the fees lenders can charge, but there are still some fees like origination fees, loan processing fees, and underwriting fees. Limited to Certain Properties : VA loans are only applicable to certain properties that are the primary residence of the borrower. VA Loans are not issued by the VA: The VA only insures the loans, which are provided by private lenders like banks and mortgage companies.

Remember, the ideal loan for you depends on your individual financial situation, your future plans, and your housing needs. It's always advisable to consult with a financial advisor or one of our knowledgeable lenders to make the best decision.

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Choosing the right type of loan can significantly affect a homeowner's financial future. In this article, we will explore the various types of loans available for residential housing in the U.S. and discuss their pros and cons.

Conventional Loans

Conventional loans are not insured by the federal government and usually require a higher credit score and down payment.

Pros

Flexibility in loan terms Lower mortgage insurance costs if down payment is 20% or more

Cons

Stricter credit requirements Higher down payment compared to government-backed loans

FHA Loans

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As a real estate agent, understanding the unique needs of military home buyers can significantly enhance the buying process for both parties involved. The military lifestyle often involves short-term assignments and frequent relocations, presenting a unique set of challenges and considerations for home buying.

Understanding the Unique Needs of Military Home Buyers

First, it's crucial to appreciate the distinctive factors in the lives of military members and veterans. These include their housing allowances, permanent changes of station (PCS), deployments, and military training. A specialized real estate agent can provide much-needed support and guidance, especially when the military member may be absent due to deployment or training, leaving the spouse to handle much of the paperwork and home viewings.

Short-term Assignments and Frequent Relocations

Given the short-term nature of military assignments, usually 2-3 years, it's essential to consider the potential for rapid resale when helping military home buyers. This situation could mean focusing on properties in desirable locations with strong resale values. It's equally important to assist in making informed decisions about property type, considering factors such as maintenance and property management, which could become crucial in the event of a sudden relocation.

A growing concern is Home Owner Associations(HOA) and their restrictions related to renting and AirBNB. Many HOAs are starting to limit the ability to rent a home, even long term. Ensure you educate your clients, and make them aware of any restrictions.

Financial Considerations and Support

Understanding the financial aids available for military home buyers is also a key part of the process. Military service members can have their mortgage interest rates capped at 6% for the duration of their service and one year after their service has ended. Furthermore, first-time military home buyers using a VA loan pay a funding fee of 2.3% of the home's purchase price if they make no down payment, with the possibility of reduction with larger down payments. Being well-versed in these financial aids can help you guide your military clients through the process more effectively.

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For military families who are frequent movers, converting a home into a rental property can be a smart financial move. However, maximizing the return on investment (ROI) requires strategic planning and management.

Understanding Your Market

Before renting out your property, research the local rental market. Understand the average rent for similar properties in your area, the vacancy rates, and the types of tenants looking for rentals. This knowledge will help you set competitive rent and target the right tenants.

Setting the Right Rent

Setting the right rent is crucial for maximizing ROI. Price too high, and your property may sit vacant. Price too low, and you're leaving money on the table. Use your market research to set a competitive rent that covers your costs and generates profit.

Property Management

Consider hiring a property management company, especially if you're relocating far away. They can handle tenant screening, rent collection, maintenance, and emergencies. While this comes at a cost, it can save you time and stress, and ensure your property is well-maintained.

Tax Benefits

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The real estate market can be quite complex, particularly during periods of economic uncertainty such as a potential recession. As a real estate professional, it's vital to help your clients navigate these uncertain waters. Here are some considerations based on recent web search results to assist in guiding clients during a potential recession.

The number one thing as an Agent to remember is Real Estate Markets are Local and Regional. You need to be the expert for your region, your market!

Understanding the Market Dynamics

In a recession, numerous financial indicators can impact the real estate market:

Stock prices may drop Businesses may report layoffs and shrinking profits Markets may become volatile

As such, real estate prices may also fluctuate. This can create both opportunities and challenges for home buyers.

Pros of Buying a House During a Recession

During a recession, some advantages for buyers may emerge, such as a potential decrease in home prices, making property more affordable for some buyers. However, it's crucial for professionals to ensure their clients understand that while there might be attractive buying opportunities, it's essential to consider their personal financial circumstances and long-term plans.

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Selling a home involves various expenses, including closing costs. As a seller, understanding home closing costs is crucial for accurately estimating your net proceeds from the sale. This comprehensive guide aims to demystify the different types of closing costs you may encounter.

Here's a breakdown of key points:

Real Estate Commission: The most significant closing cost for sellers is the real estate commission. Typically around 5-6% of the final sale price, this fee is paid to the listing agent and the buyer's agent. Estimated range: $15,000 - $18,000.

Transfer Taxes: Depending on your location, some state or local governments impose transfer taxes, calculated based on the property's sale price. It's essential to check with local authorities or consult a real estate attorney for specific transfer tax rates in your area. Estimated range: 0.5% - 2% of the sale price.

Attorney or Escrow Fees: In certain states, hiring an attorney or an escrow company is required to handle the closing process. These professionals ensure proper management of legal and financial aspects. Generally, the seller covers attorney or escrow fees. Estimated range: $500 - $2,500 or more.

Title Insurance: Sellers often purchase a title insurance policy for the buyer, protecting them from potential title issues or disputes. The cost varies based on property value and location. Estimated range: 0.5% - 1% of the property's sale price.

Outstanding Liens or Judgments: Any outstanding liens or judgments against the property must be paid off during closing. These can include unpaid mortgages, property tax liens, or outstanding bills from contractors. Costs vary based on the amount owed.

Home Warranty: Sellers may choose to provide a home warranty to buyers, covering repairs or replacements for specific home systems and appliances. The cost of the home warranty is typically borne by the seller. Estimated range: $300 - $600 for a one-year coverage plan.

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Selection of a real estate professional to list your home is critical. Sure you can try For Sale By Owner, but statistically, an agent provides you a higher return in many more ways than just money.

In addition, discovering that Agent, involves several considerations, including:

Experience and Expertise: Look for an agent with experience in your local market. They should understand the unique aspects of selling in your area and have a track record of successful sales. Communication: Your agent should be someone who communicates clearly and promptly. They should keep you updated about showings, feedback, and offers. Marketing Skills: A good agent will have a comprehensive marketing strategy for your home, including professional photos, virtual tours, and extensive online exposure. Negotiation Skills: Your agent will be your advocate during negotiations. They should be skilled at negotiating the best terms for you.

Preparing Your Home

Once you've chosen your agent, it's time to prepare your home for sale:

Declutter: Remove personal items and excess furniture to make your home appear more spacious and allow buyers to envision themselves living there. Clean: A deep clean is essential. Consider hiring professional cleaners to ensure every corner of your home sparkles. Repairs: Fix any minor repairs that could deter buyers. A fresh coat of paint and updated fixtures can make a big difference. Staging: Consider having your home professionally staged to highlight its best features and create an inviting atmosphere. Curb Appeal: Don't forget the exterior. Trim the lawn, plant flowers, and ensure your front door is inviting.

Pricing Your Home

Your agent will conduct a Comparative Market Analysis (CMA) to determine an appropriate listing price. This analysis compares your home to similar properties recently sold in your area. Pricing your home correctly from the start is crucial to attract serious buyers.

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The journey of purchasing a home can be exciting, albeit equally challenging. From searching for the perfect place to packing and moving in, it can be a whirlwind of tasks that seem never-ending. Consequently, the process can become overwhelming, leading to overwork and stress. "Work hard, play hard" might be a philosophy that many embrace, but it's crucial not to neglect the 'play hard' part, especially during an arduous process like buying a home.

Balancing Work and Home Life

Studies show that maintaining a healthy work-life balance is not a singular achievement but a cycle that must be consistently managed. When work (or in this case, the home-buying process) demands more of your time or attention, it's essential to ensure your other responsibilities and passions do not fall by the wayside. Here are some tips on achieving that balance during the home-buying process:

Set Boundaries: Just like you would set boundaries between your work and home life, it's crucial to do the same during the home-buying process. It might be tempting to spend every waking moment scouring listings or organizing for the move, but remember to designate specific times for these tasks and stick to them. This ensures that you still have time for yourself and your loved ones. Delegate Responsibilities: You don't have to do it all alone. Sharing the load with family members, friends, or even hiring professionals to handle aspects of the process can significantly ease your burden. This delegation allows you to focus on other areas of your life without feeling overwhelmed. Flexible Work Arrangements: Consider flexible work arrangements if possible. This might involve remote work, flexible hours, or adjusting your work schedule to accommodate house-hunting or moving.

Self-Care and Relaxation

While the above points can help manage the stress and workload, taking care of yourself physically and mentally is just as crucial. Here's how you can incorporate self-care and relaxation into your home-buying process:

Date Nights and Fun Outings: Intentionally schedule date nights or fun outings with your loved ones. Such activities serve as a much-needed break from the rigors of the home-buying process and help maintain your relationships. After all, spending quality time with loved ones is an excellent stress reliever. Massages and Spa Treatments: Treat yourself to a relaxing massage or spa treatment. Not only will this help you unwind and destress, but it will also provide an opportunity to reward yourself for the progress made in the home-buying journey. Maintain Healthy Habits: Don't neglect your health. Ensure you're getting enough sleep, eating healthy, and exercising regularly. These habits contribute significantly to your overall well-being and provide the energy needed to navigate the home-buying process effectively. Practice Mindfulness: Mindfulness techniques such as yoga and meditation can help you stay present and avoid feeling overwhelmed by the tasks ahead. These practices can also reduce stress and improve mental clarity.

The home-buying process can be a rigorous task that tests your ability to balance work and personal life. By setting boundaries, delegating responsibilities, maintaining flexibility, and prioritizing self-care, you can ensure that this journey is not just about hard work but also about enjoying life. After all, the goal isn't just to buy a house; it's to create a home that nurtures your well-being and happiness.

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Choosing a home is an exciting journey but it can also be a challenging process, especially when you're doing it with a partner. It is essential to strike a balance between both parties' wants and needs to ensure a smooth home-buying process. The following article will guide you through the process of understanding your wants and needs MUSTWANTS when searching for a home, and how to navigate these complexities with a partner.

Defining Wants and Needs

Before you start house hunting, you need to have a clear understanding of what you WANT to have and what you need to have MUST HAVE . Wants are features you'd like to have in your home, such as a large kitchen or a garden, but you could live without. Needs, on the other hand, are non-negotiable. They may include the number of bedrooms, accessibility, or proximity to work or schools.

A well-crafted checklist can help to clarify these points and be a useful tool when viewing houses. It can allow you to instantly understand where a home stands in terms of your wants and needs

MUSTWANTS is specifically designed to help you not only articulate your wants and needs but to also prioritize. Because in the end, a Home search requires compromise and negotiation of sorts, a give and take related to not only your desires, but potential partner(s), your family, and ultimately the market .

Communication is Key

Communication is vital when buying a house with a partner. Discuss your individual wants and needs and strive to understand your partner's viewpoint. It is also crucial to be open about your budget and financial expectations to avoid misunderstandings later.

Finding the Middle Ground

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Moving is a demanding process, and planning your packing strategy is crucial to ensure a smooth transition. When it comes to loading up your moving truck, the order in which items are packed can make a significant difference in your overall moving experience. "Last-On, First-Off planning can help make things just a little easier on that first day. By packing the items, clearly marking the boxes and then loading them last, you at least have a fair chance of those boxes being quickly available."

The ability to unpack a pot for boiling water for spaghetti, or soup, will make that first night or two a little easier and cheaper, especially with children. Sheets and pillows on the beds or even on air mattresses also helps make that first night a little more comfortable in a strange new home, with new noises.

Introduction

Often, the tendency is to start packing items that seem easy or are in clear sight. However, it's more strategic to consider which items to pack last on your moving truck. The items packed last will naturally be the first to be unloaded at your new place. Ensuring these items are your most needed can make your first days in the new home much more comfortable.

Essential Items to Pack Last

Here are some of the last items you should consider packing and why they should be at the top of your list:

Essential Kitchen Items:

You'll want to have easy access to basic kitchen items, like a pot, pan, utensils, and a few dishes. Moving is tiring, and being able to cook or prepare a simple meal when you arrive at your new home will be a blessing.

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Moving to a new home can be an exciting but also challenging experience, especially for children. They may feel a mix of emotions, ranging from excitement to anxiety about leaving behind familiar surroundings. As a parent or guardian, it's crucial to provide support and guidance to help your children navigate this transition smoothly. By following some simple strategies, you can prepare your children for the move and make the process more enjoyable for the entire family.

Communicate Openly

Clear and honest communication is key when preparing children for a move. Start by explaining why you're moving and emphasize the positive aspects, such as a new home, new friends, or better opportunities. Encourage your children to express their feelings and concerns and validate their emotions. Being there to listen and address their questions will help alleviate any anxiety they may have.

Involve Them in the Process

Involve your children in the moving process right from the beginning. Take them house hunting, if possible, and give them a chance to see the new neighborhood and explore the surroundings. Additionally, let them participate in decisions such as choosing their new bedroom colors or decorating their new space. When children feel involved, they are more likely to feel a sense of ownership and excitement about the move.

Maintain Routines

During the moving process, try to maintain familiar routines as much as possible. Stick to regular mealtimes, bedtimes, and daily activities to provide stability and a sense of normalcy. Consistency will help children feel secure amidst the changes happening around them and minimize disruption to their daily lives.

Pack and Unpack Together

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Whether it is your first or fifth time buying a house, one of the hardest parts is combing through the active listings to find the homes that meet your needs enough to make you actually want to see them in person. There is nothing worse than stepping into a house only to realize you have been catfished —or what we like to call "listfished"— by overly generous photography, editing, and an enticing listing description.

We've crafted a list of common listing terms and what they "might" actually mean without the rose colored filter.

Don't get listfished again.

COMMON LISTING TERMS WHAT THEY \"ACTUALLY\" MEAN... Well cared for home Hasn't been updated in 30 years, but big stuff is taken care of Hidden gem Decent, but overpriced Sold As Is There's definitely a list of things wrong, and we won't fix them Needs a little TLC Get ready for a big renovation Handyman Special Put money in a pile and light it on fire Diamond in the rough Hot mess express Charm and Character Small, slightly outdated but clean Easy access to highway/interstate Right near the highway so expect to hear the traffic So much potential Lots of projects Low maintenance backyard Spots of grass, a lot of dirt Ready to make your own Get out your checkbook and be patient Centrally located Close to nothing and everything at the same time This one won't last We've overpriced it! /td>Bring your creativity Someone went a bit off the rails and we're hoping it's not too crazy to dissuade someone else from buying it.

In the future, you can review those write-ups and have a better understanding of what the home offers.

Know before you go!

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Purchasing a home is one of the most significant financial commitments most individuals will undertake in their lifetime. To facilitate this complex process, MustWants offers comprehensive tools like lender checklists and an intuitive app, guiding you at every step. One such crucial aspect you'll encounter on this journey is the Good Faith Estimate (GFE), or as it's known now, the Loan Estimate (LE). This article will help you understand what a GFE is, what it includes, and how to use it effectively in conjunction with the resources offered by MustWants .

What is a Good Faith Estimate?

A Good Faith Estimate (GFE) is a form that details the estimated costs associated with a mortgage loan. Lenders provide this to borrowers within three days of the loan application, making it a vital tool when comparing lenders on our MustWants platform. Although GFE was replaced with the Loan Estimate (LE) in 2015, the term 'Good Faith Estimate' is often used interchangeably with 'Loan Estimate'.

The Components of a Good Faith Estimate:

A GFE or LE includes several critical details that you can cross-check with the lender checklist provided in the MustWants app:

Loan terms Projected payments Costs at closing Loan costs Other costs Comparisons Other considerations

Why is a Good Faith Estimate Important?

A GFE or LE helps homebuyers like you make informed decisions. With these documents, you can compare loan offers from our curated list of lenders, determining the most cost-effective mortgage. It provides a comprehensive view of the costs involved in your home purchase, guiding you beyond just the home's price. Remember, though, these are estimates and the final costs may vary slightly.

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Moving into a new home can indeed be overwhelming. However, building an emergency kit ahead of time is a proactive step to make the process smoother and less stressful.

Here's an updated list for your emergency kit:

Paper Towels Soap Toilet Paper Trash Bags Scissors Phone Charger Toolbox Water Pre-made meal or snacks (include energy bars, nuts, dried fruit) Toys, TV/Gaming Console (for the kids) Flashlight & Extra Batteries First Aid Kit Pet Essentials like Pet Food Face Coverings, Hand Sanitizer Important Documents & Key Copies Prescription Medications, Eyeglasses Baby-proofing Items (if you have young children) Cleaning Supplies (to deep clean before settling in) Fire Extinguisher & Health Supplies

Additionally, here are some broader steps to consider:

Update Personal Documentation: If moving within the state, update your driver's license and voter registration. Obtain new documents when moving to a different state. Home Security Measures: Consider changing locks, testing detectors, and even installing a security system. Pet Care: Seek veterinary advice for anxious pets and maintain their routine. Also, ensure kids and pets adapt by spending time together. Explore Your Neighborhood: Discover local amenities, parks, and events to feel more at home. Regularly Update Your Kit: Regularly refresh your kits, especially those for natural disasters, including kits at home, work, and in vehicles. Professional Movers: If necessary, choose professional movers that prioritize safety and convenience.

By considering these additional steps and items, you can be even more prepared for your move. It will help in creating a relaxed environment and allow you to enjoy your first day in your new home without worries. If you have any specific needs or preferences, don't hesitate to customize the kit further! Feel free to share more ideas on the designated Facebook page as you have mentioned. So, you're moving into your new house... and you're feeling a little overwhelmed (ok, maybe a lot!). One way to make the day a little less stressful is to build an emergency kit ahead of time. This way, if something comes up unexpectedly, you'll be prepared.

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A Realtor plays a crucial role in the home selling or buying process. There are several reasons why you might consider hiring a Realtor:

Extensive Knowledge: Realtors are well-versed in real estate transactions, market trends, local neighborhoods, and property laws. Their knowledge can guide you through the complexities of the home selling or buying process, saving you time and potential pitfalls.

Spearheading the Process: The Realtor can lead the entire transaction on your behalf, from listing your property or searching for homes that fit your criteria, to scheduling showings, inspections, and appraisals.

Negotiation Skills: Realtors are skilled negotiators who can help you secure the best price for a property. They negotiate objectively, eliminating emotional factors that can potentially affect the transaction.

Access to Properties: Realtors have access to a vast range of properties, many of which may not be publicly listed. They can broaden your options when searching for a home or help attract a wider range of potential buyers when selling.

Paperwork Management: A real estate transaction involves a significant amount of paperwork that can be challenging to handle without experience. Realtors can help manage this paperwork and ensure everything is completed correctly and on time.

Ethical Consideration: Realtors adhere to a strict code of ethics that requires them to put their clients' interests first. This ensures that they work hard to provide you with the best possible service and advice.

Ultimately, a Realtor provides a valuable service by simplifying and guiding the home buying or selling process, helping to minimize stress and secure the best possible outcome.

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As a real estate agent, understanding the unique needs of military home buyers can significantly enhance the buying process for both parties involved. The military lifestyle often involves short-term assignments and frequent relocations, presenting a unique set of challenges and considerations for home buying.

Understanding the Unique Needs of Military Home Buyers

First, it's crucial to appreciate the distinctive factors in the lives of military members and veterans. These include their housing allowances, permanent changes of station (PCS), deployments, and military training. A specialized real estate agent can provide much-needed support and guidance, especially when the military member may be absent due to deployment or training, leaving the spouse to handle much of the paperwork and home viewings.

Short-term Assignments and Frequent Relocations

Given the short-term nature of military assignments, usually 2-3 years, it's essential to consider the potential for rapid resale when helping military home buyers. This situation could mean focusing on properties in desirable locations with strong resale values. It's equally important to assist in making informed decisions about property type, considering factors such as maintenance and property management, which could become crucial in the event of a sudden relocation.

A growing concern is Home Owner Associations(HOA) and their restrictions related to renting and AirBNB. Many HOAs are starting to limit the ability to rent a home, even long term. Ensure you educate your clients, and make them aware of any restrictions.

Financial Considerations and Support

Understanding the financial aids available for military home buyers is also a key part of the process. Military service members can have their mortgage interest rates capped at 6% for the duration of their service and one year after their service has ended. Furthermore, first-time military home buyers using a VA loan pay a funding fee of 2.3% of the home's purchase price if they make no down payment, with the possibility of reduction with larger down payments. Being well-versed in these financial aids can help you guide your military clients through the process more effectively.