Oahu is home to several major military installations including Joint Base Pearl Harbor-Hickam, Schofield Barracks, Marine Corps Base Hawaii in Kaneohe, and Fort Shafter. For military families stationed on the island, buying a home can be both a smart financial move and a way to build long-term wealth.

VA loans are one of the biggest advantages military buyers have. With no down payment required, no private mortgage insurance, and competitive interest rates, VA financing makes homeownership accessible even in Oahu's expensive market. VA loans also have limits on certain closing costs, saving you additional money at the table.

Location matters for military families. Neighborhoods near military bases tend to have strong rental demand, making them good investment properties if you are transferred to another duty station. Areas like Mililani, Ewa Beach, and Kapolei are popular with military families due to their proximity to bases and family-friendly amenities.

Consider your timeline carefully. If you expect to be stationed on Oahu for three or more years, buying can make financial sense compared to renting. Even if you receive orders to a new duty station, you can retain the property as a rental and continue building equity.

Hawaii's SCRA protections provide additional benefits for service members, including limits on interest rates for pre-service debts and protections against foreclosure during active duty. Understanding your rights under SCRA and other military-specific programs is important.

Work with a real estate agent who understands military relocations, VA loan requirements, and the unique challenges of PCS moves. Kristy and Austin Home Group has extensive experience helping military families buy and sell homes on Oahu. We understand the urgency of PCS timelines and work efficiently to get you into your new home.