Military
"Serving you because you served"
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About Gwilt Group & Military Expertise
At Gwilt Group, serving those who serve is more than just part of our business — it’s who we are. Co-founder David Gwilt, a retired U.S. Air Force veteran, built this team with one mission in mind: to make sure our nation’s service members, veterans, and their families have a trusted partner in every real estate decision.
We understand the unique challenges of military life — from the stress of PCS moves and time-sensitive relocations to the complexity of navigating VA loan benefits in competitive markets. That’s why we’ve built a system designed specifically for military families, offering expert guidance, flexible communication, and proven strategies that make the process seamless no matter where you are in the world.
With decades of combined experience, we know how to protect your interests in the toughest markets, whether you’re buying your first home, upgrading for your growing family, or leveraging your VA benefits to build an investment portfolio. Our goal is simple: to help you create long-term wealth and stability for you and your family through smart real estate decisions.
When you work with Gwilt Group, you’re not just getting a real estate agent — you’re getting a team that understands your needs, speaks your language, and is committed to helping you succeed. Because for us, this isn’t just about closing deals — it’s about serving those who serve.
VA Loan Benefits & Overview
Using a VA (Veterans Affairs) loan to purchase a property offers several benefits for eligible veterans and active-duty service members. Here are some of the key advantages:
No Down Payment: One of the most significant benefits of a VA loan is that it typically allows you to purchase a home with no down payment. This can significantly reduce the upfront cost of buying a property, making homeownership more accessible.
Lower Interest Rates: VA loans often come with competitive interest rates, which can save you money over the life of the loan compared to other financing options.
No Private Mortgage Insurance (PMI): Unlike many conventional loans, VA loans do not require private mortgage insurance, even with no down payment. This can result in substantial savings on your monthly mortgage payments.
Flexible Credit Requirements: VA loans are known for having more lenient credit requirements compared to some other loan programs. While there are still credit standards to meet, veterans with less-than-perfect credit may have an easier time qualifying for a VA loan.
No Prepayment Penalties: VA loans do not typically have prepayment penalties. This means you can pay off your mortgage early without incurring extra fees, potentially saving you money on interest.
Assumption of Loan: In some cases, VA loans are assumable, meaning that a qualified buyer can take over your loan, potentially making your property more attractive to future buyers.
No Maximum Loan Amount: VA loans do not have a maximum loan amount, but they do have limits on the amount of liability the VA will assume. If you qualify, you can purchase a higher-priced property without needing a jumbo loan.
Sellers Can Contribute to Closing Costs: The VA allows sellers to contribute towards the buyer's closing costs, which can help reduce the amount of money you need to bring to the closing table.
Streamlined Refinancing Options: VA loans offer streamlined refinancing programs like the Interest Rate Reduction Refinance Loan (IRRRL) or VA Cash-Out Refinance, which can make it easier and more cost-effective to refinance your existing VA loan.
Support and Protections: The VA provides assistance to borrowers who may face financial difficulties, helping them avoid foreclosure through counseling and other resources.
VA Guarantees: VA loans are backed by the U.S. Department of Veterans Affairs, providing lenders with a guarantee that a portion of the loan will be repaid in case of default. This guarantee reduces the lender's risk, which can result in more favorable loan terms.
Reuse of Entitlement: If you've used your VA loan benefit to purchase a home and later decide to sell or refinance, you can often reuse your VA entitlement for another home purchase.
It's important to note that while VA loans offer many benefits, they are available exclusively to eligible veterans, active-duty service members, National Guard members, and certain other qualified individuals. Additionally, there may be specific requirements and guidelines to follow when using a VA loan, so it's advisable to consult with a VA-approved lender to fully understand your eligibility and options.
Connect with us to get connected to our preferred lender that will get you the best rate & terms!
Did you know that you can use your VA Loan to purchase a multifamily property, such a duplex/triplex/quadplex?
1. The Basics
1. The Basics
Your VA loan benefit isn’t just for single-family homes — you can use it to purchase multifamily properties with up to 4 units, as long as you live in one of the units as your primary residence.
2. Key Benefits
2. Key Benefits
$0 Down Payment: Purchase 2-4 unit properties with zero down, preserving cash for reserves or improvements.
No PMI: Keep your monthly payment lower compared to FHA or conventional options.
Build Wealth While You Serve: Rent out the other units to cover your mortgage or create positive cash flow.
Reusable Benefit: You can use your VA loan benefit multiple times throughout your life, allowing you to build a portfolio over time.
3. Eligibility Requirements
3. Eligibility Requirements
Must occupy one unit as your primary residence for at least 12 months.
Property must meet VA appraisal standards (safe, sound, and sanitary).
Must qualify based on income and credit (rental income from other units can sometimes help qualify).
4. Example Scenario
4. Example Scenario
Purchase Price: $500,000 (4-unit property)
Down Payment: $0
Monthly Rent from 3 Units: $1,500 x 3 = $4,500
Mortgage Payment: ~$3,200 (includes taxes and insurance)
Result: Rents from the other units cover your mortgage, allowing you to live with little to no housing expense.
5. Things to Consider
5. Things to Consider
Property Management: Decide if you’ll self-manage or hire a manager.
Repairs & Maintenance: Budget for ongoing costs to keep the property in good condition.
Future Flexibility: When you PCS or move, you can convert your unit to a rental and keep the property as an investment.
6. Long-Term Wealth Potential
6. Long-Term Wealth Potential
Using your VA loan for multifamily properties is one of the fastest ways to:
Build equity.
Generate passive income.
Transition from active duty or civilian employment with a portfolio of income-producing properties.
Myths About VA Loans Debunked
VA loans, or loans backed by the U.S. Department of Veterans Affairs, are a fantastic benefit for eligible veterans and active-duty service members. However, like any financial product, there are several myths and misconceptions surrounding VA loans. Let's debunk some of these myths to provide a clearer understanding of this valuable program:
Myth: VA loans are only for veterans who served in combat.
Fact: VA loans are available to a wide range of veterans, including those who served in non-combat roles. The key eligibility criteria typically involve meeting specific service requirements, such as a minimum length of service, and obtaining a Certificate of Eligibility (COE).
Myth: VA loans are difficult to qualify for.
Fact: While VA loans have eligibility requirements, they are often easier to qualify for than conventional loans. VA loans usually have more flexible credit and income guidelines, making homeownership more accessible for veterans and active-duty service members.
Myth: VA loans have high interest rates.
Fact: VA loans tend to have competitive interest rates compared to other loan programs. This is because they are backed by the government, which reduces the risk for lenders, resulting in favorable terms for borrowers.
Myth: VA loans require a large down payment.
Fact: One of the significant benefits of VA loans is that they often require no down payment. While some other loan programs may require a down payment of 3% to 20% or more, VA loans allow eligible borrowers to finance up to 100% of the home's purchase price.
Myth: You can only use a VA loan once.
Fact: VA loan benefits are typically reusable. If you pay off your VA loan or sell the property, you can often use your VA home loan benefit again to purchase another home. However, some conditions may apply, such as restoring your entitlement, which depends on your loan amount and whether the prior VA loan was paid off.
Myth: VA loans take longer to close.
Fact: VA loans do not necessarily take longer to close than other loan types. The speed of closing primarily depends on various factors, including the lender's efficiency, the complexity of the transaction, and the borrower's readiness. VA loans can be processed efficiently with the right lender.
Myth: You can't use a VA loan for investment properties.
Fact: While VA loans are designed for primary residences, there are circumstances where you can use them for multi-unit properties, provided you live in one of the units. However, VA loans are not meant for pure investment properties.
Myth: VA loans have expensive upfront fees.
Fact: VA loans often have lower upfront costs compared to other loan programs. While there is a VA funding fee, it can be rolled into the loan amount, reducing the out-of-pocket expenses for veterans and active-duty service members.
In conclusion, VA loans are a valuable and flexible home financing option for eligible veterans and active-duty service members. Understanding the facts about these loans and dispelling common myths can help prospective borrowers make informed decisions about using this excellent benefit. If you are a veteran or active-duty service member considering homeownership, it's essential to consult with a knowledgeable lender who specializes in VA loans to explore your options and take advantage of this beneficial program.
Military PCS & Relocation Services
Military PCS & Relocation Services
At Gwilt Group, we know that PCS orders don’t wait for the perfect timing. Led by retired U.S. Air Force veteran David Gwilt, our team understands the stress, urgency, and logistics that come with military moves — and we’ve built a system to make your transition as smooth, simple, and stress-free as possible.
Here’s how we help military families relocate with confidence:
Virtual Home Tours: Tour properties from anywhere in the world with video or 3D walkthroughs.
Fast-Track VA Pre-Approvals: Get pre-approved quickly with our trusted VA lending partners so you can shop with confidence.
Neighborhood Expertise: Get insider guidance on schools, commute times, and community resources to find the perfect fit for your family.
Flexible Scheduling: We adapt to your timeline, even for last-minute PCS orders or unexpected changes.
Fully Digital Transactions: From offers to closing, every step can be handled electronically, making it easy to buy or sell no matter where you are.
Post-Move Support: From connecting you with local contractors to setting up utilities, we help you settle in faster.
Whether you’re moving across the country or across the world, we’re here to protect your interests, guide you through every step, and make sure your PCS feels less like a challenge — and more like a fresh start.
Ready to make your PCS move seamless?
Schedule your consultation on using your VA loan. Click on the date & time below that works best for you.
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