Buying Near Fort Bragg: What Military Families Need to Know
- Cassie Callahan
- Aug 26
- 3 min read
Moving is part of military life—and for families stationed at Fort Bragg (now Fort Liberty), buying a home can be a smart way to build stability and financial security during your PCS. But with unique challenges like tight timelines, financing options, and community choices, knowing where to start makes all the difference.
Here’s what military families should keep in mind when buying near Fort Bragg:
1. PCS Timelines: Plan Ahead (but Stay Flexible)
House hunting leave is short. You may only have a few days to find a home, so it’s crucial to get pre-approved before arriving.
Consider move-in ready homes. New construction and resales that don’t need repairs are easier for fast closings.
Ask about remote closings. Many lenders and title companies in our area are military-friendly and can handle much of the process virtually.
2. VA Loan Perks for Military Buyers
Your VA loan is one of the most powerful benefits you have:
No down payment required – keep your savings intact.
No private mortgage insurance (PMI) – lowers your monthly payment.
Competitive interest rates – saving you money over time.
Reuse benefits – even if you’ve used a VA loan before, you may still qualify.
Tip: VA loans also allow seller-paid closing costs, which can ease the financial pressure during a PCS move.
3. Using BAH to Budget Wisely
Your Basic Allowance for Housing (BAH) is designed to cover your housing expenses—but you can maximize it:
Shop within your BAH to avoid stretching your budget.
Consider homes slightly under BAH to free up cash for utilities, maintenance, and savings.
If you buy wisely, you may even build equity and pocket money when you sell after your next PCS.
4. Where to Live: Fayetteville vs. Surrounding Areas
Each community near Fort Bragg has its own feel—choosing the right one depends on your lifestyle and commute preferences.
Fayetteville:
Closest to post, widest variety of homes.
Great for convenience and shorter commute times.
More urban feel, plenty of restaurants and shopping.
Raeford (Hoke County):
Popular with families looking for newer construction at competitive prices.
Lower property taxes than Cumberland County.
Longer commute, but quieter, suburban atmosphere.
Spring Lake:
Very close to Fort Bragg gates.
Budget-friendly homes, but fewer amenities compared to Fayetteville.
Great for those who want maximum convenience.
Hope Mills:
Family-friendly community with strong schools and growing amenities.
Balanced commute distance.
Suburban feel with parks and local businesses.
Frequently Asked Questions
1. Should I rent or buy during my Fort Bragg PCS? It depends on your timeline. If you’re here for 2+ years, buying can help you build equity instead of paying rent.
2. Can I buy sight-unseen? Yes! Many military families buy virtually. I offer video walkthroughs and neighborhood tours so you can feel confident without being here in person.
3. Do sellers in this area accept VA loans? Absolutely. VA loans are very common near Fort Bragg, and most sellers are familiar with them.
4. What if I get PCS orders before I’ve built equity? You can rent out your home and turn it into an investment property—VA loan rules allow this once you’ve moved.
5. How fast can I close with a VA loan? Most VA loans close in about 30–45 days, but with the right lender, it can be faster—especially important during PCS season. (I have a lender that can close in 15 days - sometimes faster)
👉 If you’re PCSing to Fort Bragg and thinking about buying, I’d love to guide you through the process. Call or text me at 910-916-9315, email cassie@birchandbeamrealty.com, or connect with me on Instagram @closewithcassie_nc.
📍 Serving Cumberland, Hoke, Harnett, and Sampson counties—helping military families buy with confidence near Fort Bragg.
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