PCS to Langley

Upcoming PCS Move to Ft Eustis or Langley AFB? Have you downloaded the Mil Traveler App?

By: Williamsburg Military Insider

I have discovered a new app that I believe is wonderful it is the Mil Traveler App, you can download in ITunes.   This is truly of great use for everyone in the military, military families, and DOD civilians who either work on or travel to military installations. It’s FREE?! Great resource whether you’re using it for everyday use or for when you PCS or travel TAD.  You just select the Base or Post and you have all the information at your fingertips. No more calling the base operator for hours or looking for a base phone book.

I am a REALTOR with Liz Moore & Associates Also; I am part of the Liz Moore & Associates’ Military Team which specializes in homes for sale in James City County, Newport News, Hampton, York County, Poquoson, and Williamsburg, VA as well as surrounding markets. I offer Active Duty friendly support to families relocating to Langley Air Force Base, Ft. Eustis, Yorktown Naval Weapons Station, and Cheatam Annex. When you PCS to Hampton Roads, VA you will find that I understand that when a family member joins the military, the entire family belongs…thank you for serving our Country, and I look forward to serving your real estate needs!

When you are transferring to Langley AFB, Ft. Eustis, Yorktown Naval Weapons Station or Cheatam Annex, if you’re interested in buying a home for sale call 757-651-3763 e-mail me at jenniferhernandez@lizmoore.com


Active Duty Underwater near Ft Eustis or Langley AFB: Swim instead of Sink

By: Williamsburg Military Insider

Looking back at our home buying six years ago, people told military families they were crazy if they didn’t buy a home when arriving at a   new duty station on three year orders. But since the housing bubble burst, many military families are forced to make tough decisions when they PCS next.

Negative equity, when a homeowner owes more than the home is worth, is often called an “under water” mortgage.  I came across an interesting statistic in the last quarter of 2010, nearly one-fourth of American homes were under water.

For Military Families in this situation, PCS orders can be terrifying.  If they own a home and can’t sell it at a profit when it’s time to PCS, some families are forced to become long distance landlords. Others face foreclosure.  Most military families don’t have enough money to cover the difference between the price the buyer pays them and the remaining mortgage they owe.  So some families choose to rent out their homes, this can be financially fruitful.

Sometimes the incoming rent doesn’t cover the mortgage or tenants are hard to find and keep.  If the rent doesn’t cover the mortgage, or if you go several months without a tenant, the overall cost can be worse than selling at a loss.  If there are tens of thousands of dollars difference between the home’s appraised value and your remaining mortgage, talk to your lender and look into the government programs to see if you qualify.  Some can decrease the monthly mortgage payment with a loan modification, making renting more viable. Others could cover the difference if you sell for less than your home is worth’s.

Below are some Resources, The worst option is Foreclosure, with long lasting impact on a Service Members credit or even their security Clearance and Career in some branches.


Information on several Government Programs: Most are best used before you miss a mortgage payment.  If you need to renegotiate a mortgage or consider a short sale you may get help here.


VA Compromise Sale: Get information on how to pursue a short on a VA Loan


Housing Assistance Program:  There are tight guidelines but only

significant help for those who bought before housing prices plunged in 2007.


Hampton Roads Active Duty Do You Know All The Military Acronyms?

By: Williamsburg Military Insider

Summer is here and so is the PCS (Permanent Change of Station) season. Each year the military moves approximately 600,000 members, with more than 1/3 of those moving between Memorial Day and Labor Day. In 2010 the military processed 230,000 moves between Memorial Day and Labor Day, 38% of the total annual moves. In 2011, the number of moves is expected to increase by 10,000 due to the base realignment and closure process.  As I came across this amazing number of military members that move during this time as we are, I realized when I see a list of acronyms I can’t help but scan it to see if I know them all.  Do you? (Just so that you know:  I didn’t know them ALL)  My military acronym page is a short list of popular acronyms.  Enjoy!


A Few Tips When Looking at Rental Property Near Ft. Eustis or Langley AFB.

By: Williamsburg Military Insider

Are you PCSing to Ft. Eustis or Langley AFB?  If you are planning on looking at a rental property this week in Williamsburg or Hampton Roads, keep in mind several things to help you with your search.  You will be viewing many properties bring with you a camera and a notebook.  In your notebook, note what is important to you before you start our search.  Are amenities important? Is space a priority?  What is your budget?  Is location very important you?  All of these should be put in your notebook so that you can take notes on the properties you have seen to make sure your criteria are met. Take pictures, this is so important because when you begin looking at properties it is so hard to keep track of which offered this versus that.  If you have pictures, you will have a visual catalog of what you saw.  It might point out something you missed during your visit, one of the best benefits to pictures.

Keep in mind the Williamsburg and Hampton Roads rental market is competitive, so make sure you are ready to act if you want a property.  Bring with you your checkbook so that you can offer a deposit.  Also, have with you several references so you are prepared when filling out the lease application. It is always best to be prepared and get your first choice instead of settling for second because you were not.

I am a REALTOR with Liz Moore & Associates  Also; I am part of the Liz Moore & Associates’ Military Team    which specializes in homes for sale in James City County, Newport News, Hampton, York County, Poquoson, and Williamsburg, VA as well as surrounding markets. I offer Active Duty friendly support to families relocating to Langley Air Force Base, Ft. Eustis, Yorktown Naval Weapons Station, and Cheatam Annex.  When you PCS to Hampton Roads, VA  you will find that I understand that when a family member joins the military, the entire family belongs…thank you  for serving our Country, and I look forward to serving your real estate needs!

When you are transferring to Langley AFB, Ft. Eustis, Yorktown Naval Weapons Station or Cheatam Annex, if you’re interested in buying a home for sale call 757-651-3763 or e-mail me at jenniferhernandez@lizmoore.com


PCS Orders to Ft Eustis or Langley AFB: Special Considerations for Military Renters

By: Williamsburg Military Insider

Active duty service members face a big decision when they receive orders sending them to a new assignment: live in military housing, government-leased housing, or buy or rent a place in the nearby Williamsburg or Hampton Roads Area.

In some situations, that choice is made for you. If there are no vacancies on the installation, you may be forced to find your own housing. On the other hand, if there’s ample room on the installation, the local command may require you to live in military quarters.

If you do end up renting a place, be mindful of these unique aspects of being a military tenant.

Government-leased Housing

The Privatized Military Housing Initiative was developed to provide up-to-date housing for today’s military families. But because these facilities are privately managed, the government is not responsible for personal property losses or damages.

Commercial property managers provide a token amount of coverage, but it’s a smart move to purchase a cost-effective renters insurance policy to safeguard your belongings.

Military Housing Allowances

If you’re not living in military quarters, you’re generally eligible to receive a tax-free, monthly allowance that helps cover your housing expenses. It isn’t a blank check — the amount depends on your duty station, pay grade and whether you have dependents.

There are three types of housing allowance:

■Basic Allowance for Housing. The most common housing allowance — BAH — is calculated separately for each location to let service members afford comparable housing no matter where they’re assigned. The amount is recalculated annually. While it can increase if costs in the area rise, an individual service member’s BAH won’t be reduced during his or her tour.

■BAH II. This is essentially a minimum level of BAH that doesn’t vary by location. If it’s greater than what the BAH formula indicates, you’ll receive this higher amount.

■BAH Differential. This allowance is for service members who live in single quarters on a military installation and pay alimony or child support. It’s the difference between the BAH II married and single rates.

Keep in mind that the amounts are completely independent of what you actually pay for rent. If you pay more, you’ll be eating into your regular income. If you can find a home , you’ll enjoy a monthly surplus.

An Important Lease Consideration

As a military service member, you face several scenarios that could prompt you to move out before your lease has expired, including:


■Orders to move onto the installation

■Permanent Change of Station

■Retirement or separation from service

To protect yourself, it’s important that your lease include a so-called “military clause” that lets you terminate it in any of these situations. Your installation’s military assistance officer can help you draft a clause that gives you the protection you need. Also an Realtor can help you with the process . I am available to help you through the rental process jenniferhernandez@lizmoore.com


Home is where you make your life…

By : Williamsburg Military Insider

My nine year old asked me to today where am I from?  In her short life she has lived in six states.  It made me realize that home and where you are from is the life and traditions you make with your family. Home is where the military sends you!

Our Military family, home is what you make of it.  You learn quickly how important it is to create a support network at your new duty station.  Often times your friends soon become family.  Over the years and my sixteen military moves “home” is where you make your life, with your family and your own traditions. Once you marry the military, the place you were born and raised in will be in the rearview mirror for a very long time.

Over our years of moving, we have met some wonderful military families who have touched our lives.  It has always amazed me how strong these families are because not only do they move, often times away from friends and family but they are also dealing with the possible deployment of their loved one.  This is an additional stress to their family but most of the trailing spouses I know handle this with such strength and grace.  They have my utmost respect for all of them.

As you embark on your upcoming PCS move this season always remember you set the tone for your next assignment.  Make it your home.


Orders to Ft. Eustis or Langley AFB: A Military Home Buyer’s Guide

By: Williamsburg Military Insider

You have just received orders to Ft. Eustis, Langley AFB, or Yorktown Navel and it is time to plan for your move across the country, or even across the planet. Under perfect circumstances, which of course don’t exist, this is a major undertaking. And moving gets considerably more complicated when the military member is deployed and the member or spouse cannot participate in the house hunting trip because of childcare concerns, work schedules or deployments.  I have posted a new page  “Military Home Buyer’s Guide.”


Home Buying Trip to Williamsburg, One less Worry :The Military Spouse Residency Relief Act ( MSRRA)

By: Williamsburg Military Insider

Are you a military spouse that wants to claim and maintain residency in a state irrespective of where your orders sent you. You are on your home buying trip to Williamsburg, looking at living near Ft. Eustis.  One less worry you can keep your home state too. The Military Spouses Residency Relief Act (MSRRA) allows military spouses to maintain their residency in their home state despite where their spouse’s orders take them.  This is a great benefit to military couples because it will enable flexibility.  However, before you make your decision Military.com recommends some factors you should consider:

  • Where do you want to vote?
  • Where do you want to register your car(s)?
  • Where will you file state income taxes or will you file them at all (several states have no state income tax)?
  • Will your residency choice affect tuition rates at a college or university?
  • Check the impacts on county and local taxes, fees and services.
  • Is your state of residency a community property state?
  • How will your state of residency affect your insurance rates – home, auto, business?
  • Ensure your will, Power of Attorney, and other estate planning will be valid in your state of residency.
  • Are there any college savings plans tax breaks in one state versus another?
  • How will a different residency affect you if you own or operate your own business?
  • Will property rights change if you opt for residency in one state versus another?
  • How will personal property taxes be affected if you change your state of residency?

These are some great questions to ask yourself before you decide what is best for you and your spouse.  The answers to these questions will directly impact your taxes, fees, car registration and communal property.  Therefore, definitely take the time to assess the impacts before you move.


Active Duty Military How to Choose a Realtor- Buyer’s Agent for Home Buying in Williamsburg

By Williamsbury Military Insider

If you are a first-time home buyer or relocating to a new area, you will want to hire a realtor who will act as your buyer’s agent.  Hiring a buyer’s agent is an important decision because you will be spending quite a bit of time with this person and he or she will be vetting properties that should reflect your needs.  A Buyers Agent will share valuable and essential information with you.

*Whether the seller would accept a lower price;

*The seller’s reason for selling and timetables;

*How long the home has been on the market;

*Previous offers and counter offers for the property;

*Strengths and weakness of the property.

 Before you choose a realtor, interview a few of them. Get to know them and ask them some hard questions so you can gain confidence in your decision.  Here are a few questions you may want to ask:

  1. Explain your experience and knowledge of the market.
  2. How many homes have your clients bought in the last six months?
  3. Do you preview the home before you show them to your clients?
  4. Based on my budget, what are your expectations of my desires being met?  What will I need to compromise if any?
  5. Please tell me one thing that I must know about this market and why.

Asking these questions will help give you the information you need to make the best decision for you.  As much as you must have your expectations met, you must also take ownership of the process in order for it to be successful. The realtor will only be able to meet your needs if you are honest with them about what your expectations are.  I suggest you have a list of what you need and want and give it to your realtor.  This will function as an invaluable tool for me to vet the properties ahead of time for you so we don’t waste your time viewing properties that will not meet your needs. I have interview openings!  If you are ready for a buyer’s agent.


Military PCS Entitlements…

As a veteran spouse I have actually forgot what some of the PCS Entitlements are when moving.  I believe I am half in this PCS move; my husband is PCSing  without us this July.   So I am not in my usual full blown spouse mode with this move, knowing the answer before my husband does.  As a friend has asked me about the 10 days for house hunting, I thought  to my self I should actually bone up on the current entitlements so I do know.  I have put them together on a page.  As I re-read a lot of the entitlements I thought it would be helpful to so many others out there to have in a one stop location.