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The Military Spouse

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The Military Spouse

The military spouse, the one who has chosen to stand beside a soldier, a marine, an airman, a coastie, or a sailor. To go with them from place to place. To support them through their career choice, and beyond.

The military spouse, whose dreams of married life probably looked a little different than they are now. She thought they could buy a house down the street from her family. He thought she would always be home with him. The military spouse, whose reality is far from the expected.

The military spouse, who finds herself on an airplane with a toddler, traveling to her new home in Germany. The military spouse, whose children will be born in three different states, and two different countries. The military spouse, who gave birth with her mom by her side, instead of her partner, wishing things didn’t have to be this way.

The military spouse is told she or he is strong, but the truth is, sometimes we don’t feel that way. Sometimes we feel like we weren’t cut out to make it in this life. Sometimes we feel like the burden is too heavy, and the stress is too much.

We see how much our spouse loves what they do, whether it is going to the desert, or living on a ship. Whether it is flying an airplane, or working as a mechanic. Whatever they do in the military, we know this was the right choice, and we want to stand by their decision, even if doing so is hard.

When you marry someone who wants to serve their country by serving in the military, you also have to know that you have married someone that will have a unique job. You will have to understand that many of your friends might not get the life.

“Why can’t you guys come home for Christmas?”

“Can’t he tell them he doesn’t want to go?”

“I could never do it”

But you figure out pretty quickly that this military life is your life. And while your civilian friends might not be able to relate to everything you are going through, you know that they can be there for you, just like you can be there for them, for whatever they are going through.

The military spouse will have to go days, weeks, and even months apart from your loved one. And for some, even years. We have to solo parent, making decisions alone that would normally be made by both parents. We have to step in and step up when it isn’t always easy to do so.

The military spouse finds themselves on a journey they couldn’t have dreamed of. We find ourselves having all these adventures, from living down the street from an actual castle to finding friends that are more like family, going through life together, even if it is virtually.

The military spouse lives their military life the best way they can. Not all military spouses are the same, and we all bring our individual likes and dislikes, personalities, and gifts to the community. We can help one another out, be the community we need, and grow through our challenges together.

The military spouse is a part of a community that goes beyond anything they could have imagined. Because of this life a military spouse can say they literally have friends around the world.

The military spouse may have to wait, and that is always a difficult thing to do. But they also get to say hello again, running into their lover’s arms. They can grow through the challenges, and can find unique and creative ways to get through the deployments and other times part.

The military spouse may have to move every few years. That is not going to be easy to do. But by doing so they can learn about different parts of the country and world. They can bloom where they are stationed, and create and find community wherever they go.

The military spouse is the heart of the home. The constant in the changing waters of military life. The one who tries to pull everything all together.

The military spouse doesn’t always feel strong but can find ways to get through it all. Taking each challenge day-by-day, and reminding themselves that this is their life, and it can be a good one, filled with lots of fun memories, seasons of growth, and many amazing friends.

Where You Go, I Will Go: Lessons From a Military Spouse by Victoria Terrinoni 

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This post contains affiliate links!

Do you know what I love the most? Hearing military spouse stories! I feel like we can all learn from one another. We have been through so many similar situations, and we can relate to what we have all gone through.

We can learn so much from military spouses that have come before us. They all have wisdom to offer us and we can learn so much from their own experiences.

Where You Go, I Will Go: Lessons From a Military Spouse by Victoria Terrinoni is the story of a 31-year military spouse. Victoria talks about everything she experienced over the years, from all their moves to deployments, to her feelings about retirement and living in their post-military house.

Victoria sent me her book for review and I just loved everything she brought to the book. We get to hear her story and she also gives us little lessons based on what the chapter was about.

If you are new to military life and wonder what the years might bring, Victoria can give you a picture. Through her story, you can learn about what you might experience and how you can truly thrive during this life.

And if you are a more seasoned spouse, I am sure you will be able to relate to many of her stories and lessons learned over the years.

From Amazon:

Your significant other just announced they joined the military. After getting over the shock, you have questions, lots of questions.

What is it like living in the military?

What happens when my spouse deploys?

How do I handle moving all the time?

This honest and insightful book will give you an inside look at a military spouse’s life and help you navigate the system. Readers will learn the joys and pitfalls of being married to the military.

The writer dispels some myths about the military lifestyle and highlights the lessons learned along the way. This book will help you figure out what you can do to combat the loneliness you feel every time you move to a new place. How lost you feel trying to deal with a totally different system than anything else you’ve dealt with before. It also helps you learn to use military-speak, a language of its own.

Where You Go, I Will Go takes you on the author’s 31-year journey as a military spouse to show you are not alone in this. She also points out her biggest mistakes, so you don’t make them as well.

Where You Go, I Will Go gives you the basics you need to:

  • · See how a move is supposed to go and how they actually turn out.
  • · What to do to ease your child’s confusion with these life changes.
  • · Where to go for support, especially during a deployment.
  • · What do all those acronyms mean?

By reading this book, you will find lessons to help you throughout your military career while getting an insider’s view of the fun times and the hard times of military life.

What’s stopping you from learning the ropes from someone who has been there?

You can purchase your own copy on Kindle or in paperback on Amazon.

When You Are Used to Living in Survival Mode

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When You Are Used to Living in Survival Mode

When You Are Used to Living in Survival Mode

When you have your first baby, you go into a bit of survival mode. Everything is so new, and now you have this other person that depends on you for everything. You are not getting much sleep, and you just want to get through each day. And somehow you do. Your baby learns to sleep through the night, they start to walk, then run. They start to eat real people food and before you know the fog lifts and you feel more like yourself again.

As a military spouse, having a new baby isn’t the only time I have been in survival mode. 

My husband left for Germany when my son was just 13 months old. We had to wait for Command Sponsorship to join him and during those 4.5 months apart, I was right back into trying just to make it through each day. I didn’t sleep too well and found myself up until 3 am every night. Then my son would be wide awake for me just a few hours later. We didn’t have family nearby, and I was pretty much on my own other than a couple of friends and a playgroup we went to every week.

During those 4.5 months, my goal was to keep my son safe, and healthy, maintain the house, and work on all the paperwork and everything we had to do to get to Germany. There wasn’t a lot of time or energy to better myself as a person. My son watched way too much Elmo during those days, and I always felt like I was on the verge of tears.

When You Are Used to Living in Survival Mode

Over the next few years, my husband would deploy four times, and I would enter periods of survival mode. Trying to get through each day, trying to make the best of the time apart, feeling like I wasn’t able to do everything I wanted to do.

As we military spouses head into periods of deployment with survival mode hitting us in the face, we can feel like things will never change. That we will always be surviving and that we won’t do any thriving. That we just have to count down the days, getting through them, until they come home.

So how you can get out of survival mode? What can you, as a milspouse change to make the time apart from a better experience for yourself and your family?

Step outside your comfort zone

If you feel yourself sliding into survival mode, take a look and see what you can change about your day-to-day life. How can you step out of your comfort zone to try something new? Is it taking the kids to a new playgroup? Taking your kids to Grandma’s house by yourself? Joining a club that you heard about?

Trying something new can make you feel stronger, and that can carry over to the rest of your deployment.

Remember, you got this

Seriously, you do. Even if you think you are not making it through this deployment, as long as you wake up each morning, take care of your kids, and make it to the end of the day, you got this.

Remember, the deployment is just days. There might be a lot of days, but they are only just days. After you hit enough of them, you will be done, and the deployment will be over.

Make a lot of plans

Make plans. Stay busy. Start a new hobby. Get out with friends. Redo something in your house. Write a book. Volunteer. There are so many different things you can do to stay busy during a deployment.

As I look back on the times I was more likely to be in survival mode; it was when I wasn’t as busy and didn’t make as many plans.

It’s okay to cry

You are going to have bad, tear-filled days during deployments. It’s okay to cry. Try not to let the tears consume you. Let yourself do it but make sure to get out of bed. Think about the good things going on in your life, even if they are silly.

Start writing down all the good things that will happen during the deployment. Your son turning one, the latest book release from your favorite author, or a visit from your mom. All these little excitements will help you see that life still happens even when your spouse is deployed.

Ask for help

If you need to ask for help, do so. Military spouses have a hard time asking for help. I am so guilty of this. I will try to do everything myself before I would ever ask for help. But sometimes you need to.

If you feel like you need to see a counselor, do that too. Going to see a professional on a regular basis can help you through the deployment, help you see that you can do this, and help you thrive while your spouse is away.

Know that survival mode is okay, grow through it

Sometimes, you will just be in survival mode, and that is okay. Just remember, this won’t last forever. While I believe you can rock your deployment, not every day will look that way.

You know yourself and what you can handle. You know when things are getting too complicated and when you need to reach out. If that means being in survival mode for a while, that’s okay too.

What is the best way you have found to get out of survival mode and start to thrive during a deployment?

9 Lessons Learned On Our Military Retirement Journey

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9 Lessons Learned On Our Military Retirement Journey

By Melonie Kennedy

This is it. We’re handing in the keys to our on-post housing in a few days, then my husband will begin terminal leave. After sixteen years of marriage, seven duty stations, several deployments, and so many TDY’s I can’t even remember them all, it’s over. He’s out. The End.

Retirement is a huge transition for him, of course, after twenty years in the Army. I didn’t expect, however, what a big jump this would mean for me. This is a scary new beginning, perhaps the scariest of them all. I’ve tried to avoid wool-gathering and prepare just like any other PCS. As ready as I am to get into this next chapter, though, I’m also not feeling ready. It’s not just another PCS. There’s so much up in the air, and that leads me to lesson one: 

Remember military retirement is a major life change! As accustomed as we are to moving frequently and reestablishing a home base every few years, this time there’s a big difference. We’re in a new division of the military community: The Retirees. Our mission now as a family is to figure out what comes next and create a new battle rhythm that may be like nothing we’ve ever experienced before. 

Additionally, as with normal PCSs, there may be a grieving process, especially if you’re moving from your final duty station as part of the retirement process. We’re saying goodbye to friends, getting those last tourist bucket list things marked off, taking steps to find a job, and shepherding a teen through the same changes all while getting him ready for college. As exciting as this new adventure is, it’s full of questions. That takes me to lesson two:

Communication is key – and not just with the various agencies your service member is dealing with on the military side! It’s okay to say you’re not okay. Consider scheduling in downtime for yourself and as a couple. We, military spouses, are incredibly resilient people, but resilience is built up when we have purposely created a buffer zone. Whether it’s a facial or a coffee date, sometimes talking to a therapist via Telehealth or simply curling up with a book for an hour – account for the fact that this is a huge transition period that automatically comes with stress, and account for the fact that mindfulness during the transition is vital. Having grown up an Army brat, then spending this long as a military wife, I kind of don’t know where I stand anymore, and I’ve had to observe and unpack those feelings. This takes us to lesson three: 

You’re not alone. It may feel like it some days, just like it may have at times in your spouse’s military career. They, and you, are not cast aside and left to drift and figure this out on your own! From the moment retirement appears on the horizon, start finding your support folks; as Mr. Rogers advised, “Look for the helpers.”

I was pleasantly surprised to learn how many resources there are out there for transitioning families. Get in touch with the folks at your branch’s Transition Assistance Program (TAP) office early. We spouses are invited to attend as well because TAP isn’t just about military paperwork. The TAP office my husband worked with offered links to resumé workshops, seminars on VA home loans, and much more. Going through TAP early leaves you time to go back through if you’d like to dig deeper and ask the TAP reps questions on a second go-round.

Another great option is the USO, which sponsors a wide variety of in-person and virtual seminars. They cover more topics than I can even list here, and the schedules accommodate for locations worldwide. There are also the Veterans Service Organization (VSO) representatives, who are individuals accredited by the Department of Veterans Affairs (VA) to help ensure service members have access to qualified representation during the VA claim process. The Veterans of Foreign Wars (VFW) and several other organizations have accredited VSOs available; a full list of VA-recognized VSOs is available via the Veterans Affairs website.

Lastly, don’t forget to start making connections within military retiree organizations and civic groups within your community, especially if you are moving with children. They will gain assistance putting down new roots through community options just like they’ve done every move, and now those roots can include a nice taproot into their home turf!

As you may have noticed, the more lead time you have before retirement, the better. We made the decision for my husband to submit his retirement request about eighteen months out from his projected departure date, which left time to get things rolling on several fronts. That takes us into lessons four through seven, which have a big point in common: make use of any waiting period you have until retirement!

Get your house in order, especially your finances. If you’re not already debt-free, try to get there. This will help you get a solid footing when the service member’s pay changes from their active duty rate to their retirement pension. This foundation also provides an assist with the timing of the first retirement check, any VA benefits the military retiree is awarded, and the arrival of paychecks if they will be employed after their military time ends. If there’s a lag time on funds, you’re still good to go if you aren’t living paycheck to paycheck at this stage.

Save, save, save! As with any other PCS, there will be costs affiliated with your move. If you own a home away from your final duty station, you’ve got to get there. While certain costs will be reimbursed after a move, you may be in a situation where you’re receiving BAH during terminal leave, so hotel stays will be accounted differently. Then of course there are the usual things that feel like they nickel and dime us to death every move: getting groceries again, the random little things that are needed in a new home, meals on the road, and so forth. Even if you are already living in your forever home, with all these changes, costs will come up. Having as much put away for a rainy day as possible is always to your benefit.

Speaking of financial matters: while you’re anxiously awaiting The Big Day, make the most of your time and get life insurance before the service member gets their VA physical. In some cases, automatically switching from Servicemembers’ Group Life Insurance (SGLI) to Veterans Group Life Insurance (VGLI) may not actually be your most cost-effective plan. The same applies for spouses and other dependents currently insured through Family Servicemembers’ Group Life Insurance.

While sticking with the known entity with no medical questions or exclusions may be tempting, if you’re in fairly good health, it is well worth your time to sit down with a few companies and get some quotes for coverage. My husband contacted three companies for quotes and we were able to compare all coverage, terms, and costs over a weekend and choose the one that was the best fit for us. (Why do this before the VA physical? Findings documented by the VA may affect rates and coverage availability.)

On our last point about time and money: encourage your service member to use this time to use Credentialing Assistance and Tuition Assistance if at all possible. Don’t leave money on the table! They can earn certifications to build their resumé and build their employability, or work toward a college degree without using their GI Bill on active duty. There are also many free and low-cost certification and schooling options available for military spouses to take advantage of; you’ll learn about some of them through the TAP sessions and the USO’s offerings, but another great place to find helpful organizations and programs is LinkedIn.

That takes us to lesson eight, one that was a real shocker for me: LinkedIn is your friend, milspouses! I’ve personally had a LinkedIn account for over a decade and really didn’t get much use out of it. Like many people, I thought LinkedIn was “social media for suits”. Since getting more active on the platform in early 2021, I’ve had my eyes opened to the many possibilities LinkedIn offers, particularly for those of us with military affiliations.

There is a wealth of opportunities for networking with other folks in our community; start with #militaryspouse, then look for groups specific to spouses or to your area of employment interest. There are also job listings, information about hiring fairs (on and off base and virtual), and ways to find franchise opportunities specifically for veterans. Add in the fact that we spouses can receive a year of LinkedIn Premium for free through Military OneSource’s Spouse Education & Career Opportunities (MySECO), and you’ve got another great reason to sign up or really start using your LinkedIn account to its full potential. The Premium version allows access to LinkedIn Learning and a variety of other professional tools that users may find helpful in networking and job hunts.

My two cents, with no affiliation to the company on my part: LinkedIn is worth it for you and your retiree-to-be, whether you’re looking for work post-military or want to be able to mentor and guide others following in your footsteps. It’s actually the way I connected with Julie, our wonderful hostess here at Soldier’s Wife, Crazy Life, and can share these thoughts with you about our retirement journey!

And now we’re at lesson nine: Have the Ceremony.

My soldier is not big on pomp and circumstance. I’m an introvert, quite content that the bulk of my “peopling” is done via email thanks to working from home for two decades. There was to be no retirement ceremony. We were simply going to load the U-Haul and quietly ride off into the sunset.

My husband’s commander saw things differently and put his foot down. You don’t give twenty years of your life to the military and just slip away; you deserve recognition and closure. There had to be some sort of ceremony. 

We huffed and puffed and gave in on the matter, setting up a fairly intimate shindig at a favorite restaurant. We added in a presentation of a military “brat” coin and a certificate of appreciation for our son. Some family members were able to make it, as well as a large group from the unit, and some good friends we’ve bumped into at multiple duty stations. As luck would have it, we had soldiers there from the beginning of my spouse’s active time, the middle, and the end.

There were stories told, plenty of laughs, and more tears than expected. We introduced our non-military family members to a side of my husband that they hadn’t seen during visits and the usual tours of housing and the Exchange; it gave his friends a chance to celebrate with him; it gave us a chance to recognize the resilience of our son, who like me, has been a dandelion child floating around the world at the behest of Uncle Sam. 

Barbecue and cake were served, and in the end, we were incredibly grateful to the leader who called for the touching sendoff. So no matter how large or how small you make it, please schedule in a time to celebrate your service member, yourself, and all involved in getting you to this point. You’ve made it. Happy military retirement – here’s to your next adventure!

Melonie Kennedy is a military wife, homeschooling mom, author, and small business owner. Connect with her at https://www.linkedin.com/in/meloniek/

On This Military Spouse Appreciation Day

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Why We Celebrate Military Spouse Appreciation Day

On This Military Spouse Appreciation Day

Today is Military Spouse Appreciation Day. This started with Ronald Reagan in 1984 and is always the Friday before Mother’s Day. If you go on any of your favorite military spouse Facebook pages, you will see memes and articles about the day. Military Spouse Appreciation day is the perfect day to celebrate being a military spouse.

Military spouse, this day is for you.

Military spouse appreciation day

A day to thank you, to tell you that what you do is amazing, and to recognize those who support those who serve. While being a military spouse does not make you a member of the military, it does make you a member of the military community and one who adds such amazing value to it.

This day; it’s for us, the spouses. Those of us who walked down the aisle to a man or woman in uniform. Those of us who held our spouse’s hand as they signed the paperwork to change us from a civilian family to a military one. To those who might never have seen themselves in this role but who take it on with grace.

To us, who stand by during deployments, pcs across the country or the world, and deal with all the unique situations that come up during military life.

To the milspouses who work hard to combine their career with this spouse’s career. To those who stay at home with the children. To those who spend hours volunteering for the community so that the needs and wants of the military family get met.

Some say that we don’t need any praise, that we don’t do anything any other spouse hasn’t done. But I disagree. For me, this day is a reminder of our lives and what we all go through during the years our spouse is in the military.

Military Spouse Appreciation Day

We go months without seeing the person we love. We play both mom and dad for months at a time. We move every two to three years and then have to figure out how to start over, even in places we don’t want to be. This is not the life of a civilian but one of the military spouse.

As military spouses, we know that life is going to be filled with ups and downs.

Some years will be easier than others Some duty stations are going to be better than others. We will have a circle of friends one year and be lonely the next. But we do all of this because we married someone who wanted to serve his or her country in this way.

We stand by because we know that what they are doing is a good thing, even on the hardest of days. We might question if we can do this forever and for some of us, this military life will only be a short time in our married lives, but we know that by supporting our spouses we are supporting our country and that that is a wonderful thing.

So on this day, accept any thanks you receive. Know that what you do matters. Understand that what you go through on a daily basis is not being ignored and that is very much appreciated.

Whether you are a brand new military spouse waiting for your spouse in basic or you have been married to your sweetheart who has proudly served for 25 years, you are doing something amazing.

Happy Military Spouse Appreciation day!

The Blessing Of A Military Marriage

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The Blessing Of A Military Marriage

I do a lot of reflecting sometimes. I have always kept a journal and I like to think about where we have been as a couple and a family and where we are going. We have had to make a lot of choices over the years.

When to have kids. To move across the country. To join the military. To buy a house. To stay in Tennessee. To join the National Guard.

Sometimes it is way too easy to look back and think we shouldn’t have made certain choices. However, I don’t like to look at my life like that. Is it possible we made bad choices in the past? Yes. Does that mean the rest of our lives are messed up? No.

One of the biggest life-changing choices we made was for my husband to re-enlist in the military at age 30. It was something that we talked about for months beforehand. We had no idea what life would be like as a military family.

As I think back over the last 16 years as a Military spouse, I think in the end there have been many blessings in our marriage because of military life. Don’t get me wrong. Would I have preferred to have a husband who had never left us? Perhaps, but that wasn’t how life has been for us. 

For the last 16 years, we have said goodbye to each other too many times to count. I have been in solo parenting land off and on and that gets to me. I never thought I would be parenting alone so much of the time. This life hasn’t been easy.

But at the end of the day, there are blessings in a Military marriage.

We know what missing our spouse is like. Can you imagine never missing your spouse? I can’t.

I am not sure what that would be like? After so much time in this lifestyle, I can’t even wrap my mind around never having to miss him.  

I think missing someone can grow the relationship in a way nothing else can. If your spouse is gone and you don’t miss them at all, what does that say? It tells you something isn’t quite right. It tells you that there is probably a reason why you don’t and you and your spouse need to figure it out.

Homecomings can be the highlight of our Military experience. The feeling you get when you see your spouse again is hard to explain unless you have been through a long separation. Knowing that the months of waiting and worrying has come to a close and knowing you will finally be back in each other’s arms can be the spark that your marriage needs.

Watching your spouse in their uniform can be inspiring. You know they are doing something good in the world and you are there to support them through the mission. Knowing that you and your spouse are a part of history, and working to make the world a better place is a good feeling. There is just something about feeling that way that can help your marriage thrive.

I remember during one of our R&Rs my husband told us that through these deployments we will become that much stronger. I think this is the case for us but I know the reality that it isn’t always the case. I think deployments either make you stronger as a couple or can cause you to break.

If you are new to military life and are worried a bit about your marriage, keep in mind that there are blessings of a Military marriage. As hard as the lifestyle might be, they are there if you look for them. Hopefully, over the years, you will be able to look back and see them. I know we have.

How do you feel that the military has blessed your marriage?

To the Gold Star Spouse…

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I see you. I see you sitting there, trying to hold everything together. I see you, wondering how you are sitting where you are. Wondering how this could be your new normal.

Your pain is probably indescribable right now. You lost him, and one of your worst fears came true. And now you are here, ready for the ceremony to begin.

Your children are by your side, they are too young to understand, or maybe they are not too young? Maybe they will remember this day, the day to honor their daddy.

You start to think about what you will tell them about this day, about what happened, about how things used to be. You will tell them about the stories he used to read, about the jokes he used to make. You will tell them about how you two met, your first date, and the day he asked you to be his.

You feel your family and friends surrounding you, but you know they will never truly understand what you are going through. You wish you could explain, but you can’t, and hope that someday, maybe you will.

The past week has been unreal, and you feel like your life is unraveling. What your life uses to be will no longer be. Everything changed and you know that your life will always have a line down the middle it, before and after.

As the ceremony begins, you thought you would be able to make it through but you break down and are immediately surrounded by hugs from your family. Everyone watching wants to take the pain away, even if there is no way to do that for you.

Music is played, and the traditions begin, and still, you can’t believe you are here. You try to listen to what is being said but all you can think about is your husband, and how many of the things about him you will miss.

And then it is time, time for the part you saw in pictures plenty of times, the part you never really thought you would have to endure. A man in a uniform is standing in front of you, he hands you something and for one second you think he shouldn’t be, that this is all a mistake, that this all really isn’t happening.

“On behalf of the President of the United States, the United States Army, and a grateful nation, please accept this flag as a symbol of our appreciation for your loved one’s honorable and faithful service.”

And you take the flag and know in your heart how much of a hero your husband was, but you also know that knowing that won’t stop the pain.

As then it is over, the ceremony is over and your friends and family are there to mourn with you. You hear stories about a friend of his you had never met before but knew him during one of his deployments. You see a friend you only knew casually through playgroup, who just wants to give you a hug. You see his father break down, and know that he is dealing with the loss of his son, as only a father does.

As you get in the car, with your son by your side, your daughter in front with her own parents, you wonder how you will ever move on from this. Life has changed forever, and nothing will ever be the same.

So, to the Gold Star Spouse, know that no matter where you go or where you are, the military community has your back. We care and we mourn and we wish you didn’t have to go through this. We aren’t always sure what to say and maybe we will say something stupid but we know that your husband died a hero and he will always be in our hearts.

We will think of him always, of the jokes he told, of the smiles he gave, of the way he talked about you and his family. We will remember him when we think of his bravery and we will never forget the sacrifice he made for his country.

We will think and pray for you often, for your children and we will celebrate small wins with you as you figure out your way through this new normal.

We will tell you, “thank you for your husband’s service” and do our best to honor him through the years, in whatever way we can.

Here is a list of resources to help support Gold Star Spouses and Families:

“What we have once enjoyed deeply we can never lose. All that we love deeply becomes a part of us.” – Helen Keller

Veteran Homebuyers: A Guide to the Home Buying Process

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Veteran Homebuyers: A Guide to the Home Buying Process

The transition from military life to civilian life can be difficult, especially if you’re looking to buy a home for the first time. However, the government has provided options that will make your home buying process easier and cheaper. Here are a few tips to guide you through buying your first property as a veteran.

Consider a VA Loan

A Veteran Affairs (VA) loan is a type of military loan that mortgage lenders give to qualified veterans, active service members, and spouses. This loan is sponsored by the Department of Veteran Affairs. A VA loan offers flexibility and lower requirements such as little to no down payment, lower requirements on credit scores, low-cost mortgages, and lower interest rates. Since they make credit requirements lower, they’re considered non-conventional loans. The VA doesn’t issue this loan, but they decide if you qualify for it and determine who is the best lender for you. 

Even though the benefits are great, you may not qualify for a VA loan. It’s important to know the qualifications for it and prepare your finances if you don’t align with the requirements qualify. Below are the qualifications you need to apply for this loan:

  • Served 181 days of active service during peacetime.
  • Served 90 consecutive days of active service during wartime.
  • Served more than 6 years of service with the National Guard or the National Reserve or 90 days under Title 32 with at least 30 of those days being consecutive.
  • Are the spouse of a service member who lost their life in the line of duty or as the result of a service-connected disability. You generally cannot have remarried, although there are exceptions.

Chose the VA Loan that Suits You

There are several types of VA loans that you can qualify for. It’s important to choose the one that is the best fit for you and your family. Here are a few types of VA loans and their benefits:

VA Purchase Loan

A VA purchase loan is the most common type of mortgage that can be obtained through a VA loan. This loan helps you purchase a home with no down payment, and has better terms and interest rates than other loans offered by private lenders like mortgage companies, banks, or credit unions. However, terms vary by lender, and this type of VA loan is not available from all lenders.

VA Cash-Out Refinance

A VA cash-out refinance loan allows you to take cash out of your home equity, and use it to pay off your debt, medical bills, school fees, home improvements, or refinance a non-VA loan into a VA-backed loan. This option is available to both borrowers with and without present VA loans, and it can be used as a rate-and-term refinance if desired.

VA Interest Rate Reduction Refinance Loan (IRRRL)

A VA IRRRL, also known as “VA streamline refinance,” helps you reduce your monthly mortgage payments or creates stability by switching to a fixed interest rate rather than one that changes over time. When deciding whether or not to pursue this option, borrowers should evaluate their closing fees.

VA Native American Direct Loan (NADL)

If you are a Native American veteran or happen to be married to a Native American, you may be eligible to obtain a Native American Direct Loan. This loan allows you to buy, build, or improve a home on federal trusted land. Qualified borrowers can also refinance a current NADL loan to obtain a lower interest rate. Some benefits of this include, limited closing costs, and private mortgage insurance.

It’s imperative to consider which VA loan suits your household needs before investing in your loan. Also, make sure you obtain this loan with a lender that understands these options and can provide favorable rates.


Prepare All Required Documents

As a veteran, you will need certain documents ready before applying for your loan and mortgage. These documents include the Certificate of Eligibility (COE), DD Form 214, and other general information.

The COE document verifies the length of your service to confirm that you qualify to your mortgage provider. It’s important to get this document from the VA through eBenefits early, even though you won’t need to show it at the beginning of the loan process. It’s best to have this document ready to make this process go as swift as possible.

DD Form 214 is a document that confirms your military discharge. Using the eVetRecs filing system, you can request your DD Form 214 electronically.

The General Information you may need for this includes tax returns and W-2s from the past two years, recent pay stubs, bank and investment statements, any rental history you may have, an employment verification letter, and a copy of your driver’s license.

To further expedite this process and reduce stress, we recommend getting pre-approval on your mortgage and all loan-associated documents organized ahead of time. The earlier you start these preparations, the less stressed and more excited you will be throughout this milestone achievement. From there, you can finally start house hunting to find the best home that fits your budget and your preferences.

Purchasing a home is a significant investment toward your future and can lead to some anxiety within a family. It can be challenging for anyone, but especially for veterans if they don’t entirely understand their potential benefits. Make sure you take advantage of all available benefits and resources. This is a huge commitment that will always be remembered so make it worthwhile.