WeVett

Your Home, Paid in Full: WeVett’s 20-Year Vision for Active-Duty Military Homeowners

Anna Luzader — Mon, 06 Apr 2026 20:56:43 +0000

There’s one thing all service members get used to throughout their military career: change.

Whether advancing in rank, getting orders at the eleventh hour, or transitioning to civilian life, active-duty members all have an honorary degree in Adapting to the Unexpected.

While change can be good, it also brings broader challenges, such as family stress and financial instability. One significant way that we have found to combat those expect-the-unexpected moments, is by having a stable place to call home—even if that changes with each new season.

At WeVett, we’ve been there too. Our team is made up of veterans and military spouses who have gone through (or who are currently in) the PCS life. We understand the stresses involved and that’s why we’ve made it our mission to help guide you through homeownership decisions with a long-term, active-duty focused lens.

In reality, the decisions you face as an active-duty military member are very different from those faced by civilians and even veterans. However, you’re never alone in them.

This is part two of a three-part series where we explain why WeVett is uniquely positioned to help YOU, the active-duty homeowner, make strong real estate decisions throughout your time in the military. In our first piece, we talked through the “why” behind our active-duty focus. Today, the story continues with our 20-Year Client Vision.

What is WeVett's 20-Year Client Vision?

In short, WeVett’ 20-year client vision is to help our clients have a paid for or nearly paid for home by the time they leave the military.

This provides military families the financial freedom to make decisions without the burden of a hefty mortgage (or rent) payment. Decisions such as what job to take, where to live, where to send kids to college, etc. There’s a layer of stress that disappears when the roof over your head is truly yours, free and clear.

The Cost of Constantly Moving without a Plan

Being financially ready for the end of a career is an admirable goal, but balancing long-term financial decisions with short-term assignments can feel like standing on shifting sand.

(You could barely find your can opener during this last PCS, let alone calculate the opportunity cost of buying a home that costs $25,000 more!)

In reality, it’s easy to prioritize the most convenient housing options during a stressful PCS. But over time, those decisions can quickly add up. Missed opportunities to build equity, selling at a loss, or even renting for too long at a single location could mean leaving thousands of dollars on the table.

And sadly, those missing dollars multiply at each new assignment. By the time you are preparing to transition out of the military (whether that’s in 5, 10 or 20 years) you are looking at zero or very little equity in a home, plus a life that you have to maintain on a paycheck that looks a lot different than the one you’re used to.

THEN, to add insult to injury, stack this financial burden on top of a complete identity overhaul (I am in the military vs I was in the military), and you’re suddenly in a place you never expected to be.

Now, let’s rewind the clock and see what happens when we bring in the 20-Year Vision at the beginning of this journey.

A Smarter Path for Military Homeownership

The first thing to understand about the 20-Year Vision is there is no one-size-fits all solution. Military Family A will have a completely different path (and PCS orders) than Military Family B.

WeVett understands this and works with you and your family to provide personalized recommendations based on your unique circumstances.

Unlike local agents or local lenders who are only rewarded for the short-term, immediate deal, WeVett helps you throughout your entire career across every location, advising you at key decision points in the housing process based on your current situation and desired long-term goals.

Let’s look at how this works in real life with the “Joes,” a military family balancing a budding military career with their homebuying journey.

Buy vs. Rent

Early on in his military career, GI Joe and his family are stationed in Norfolk, VA when they receive PCS orders to relocate to Florida in three months. Like most military families facing a move, the Joes reach their first major housing decision point: should they buy or rent at their next duty station?

The assignment is exciting, but there is uncertainty around how long they will remain in the area, especially with the possibility of additional Pentagon assignments or training rotations on the table.

While their ultimate goal is long-term homeownership, they want to be confident they are making the right decision. The Joes turn to WeVett, utilizing the PCS Buy vs. Rent Course as well as the Buy vs. Rent Calculator for an initial analysis, and then connecting with the WeVett team for additional guidance.

After reviewing the likely assignment timeline, home prices in the Florida Panhandle, and the Joes’ long-term plans, WeVett helps them evaluate the pros and cons of buying versus renting. Because this assignment may only last a couple of years, renting provides the flexibility they need while avoiding the short-term risks of buying in an expensive market (WeVett’s baseline three-year-rule).

With confidence in their decision, the Joes choose to rent during their time in Florida while continuing to save and prepare for a future home purchase.

The Homebuying Process

A few years later, the Joes receive PCS orders to San Diego, CA. Once again, a familiar decision point appears: should they rent again, or is this finally the right time to buy?

By this point in their careers, they have built stronger financial footing and are beginning to think more seriously about where they might eventually want to settle down after the military.

San Diego appeals to them for both lifestyle and long-term opportunity, so they begin exploring the idea of buying a home there.

Once again, they turn to WeVett to evaluate their options. Using updated numbers in the Buy vs. Rent Calculator and reviewing San Diego market conditions, the Joes determine that purchasing a home could make sense if they plan to hold the property long term.

Because they have decided to buy, WeVett Realty connects the Joes with a vetted, military-specialized real estate agent in San Diego who understands the unique challenges of PCS moves and VA loans. Their agent helps them find a home that fits their family’s needs while also having strong rental potential if future orders take them elsewhere.

To ensure the Joes get the best possible loan structure, WeVett Home Loans assists them through the VA loan process and helps them close on their San Diego home within 30 days.

Renting vs. Selling

After four great years in San Diego, the Joes receive PCS orders back to the East Coast and face another familiar housing decision: should they rent out their home or sell it?

Knowing WeVett helps guide these decisions throughout a military career, they reconnect with the team and use WeVett’s sell vs. rent resources to evaluate the financial implications of both options.

By reviewing potential rental income, property expenses, and long-term appreciation, the Joes are able to see what makes the most sense for their goals.

Because they may want to return to San Diego someday and like the idea of continuing to build equity, the Joes decide to keep the property as a rental.

Refinancing

As the Joes near the end of their time in service, they begin planning their transition back to civilian life. Their San Diego property has been performing well as a rental, but another financial decision point emerges: does refinancing make sense?

WeVett provides several tools to help them evaluate their options, including the Rate Radar system that monitors interest rate trends and a rapid refinance calculator that estimates potential savings.

After reviewing the numbers, the Joes work with WeVett to refinance using the VA Interest Rate Reduction Refinance Loan (IRRRL), lowering their interest rate and reducing the remaining cost of their mortgage.

Military Retirement / Separation

At the end of his service, GI Joe and his family return to San Diego, excited to begin their civilian chapter in a home they already know and love.

Because they made thoughtful housing decisions throughout their career, renting when flexibility mattered and buying when the timing was right, they arrive at retirement with a home that is nearly paid off and a strong financial foundation.

By aligning their housing decisions with WeVett’s 20-Year Vision, the Joes were able to build equity steadily throughout their military career and transition into civilian life with greater financial freedom and flexibility.

GI Joe was able to take the time he needed to transition into a fulfilling civilian career without feeling the financial pressure to take whatever job was available. Instead of a jarring identity shift, GI Joe found pride in his new work and career which helped to cushion the natural challenges of moving from active duty to veteran status.

At the Heart of ‘Home’

The Joes aren’t a unique case among WeVett clients.

Better housing decisions lead to better outcomes, including lower financial burdens and even reduced suicide risk for separated and retired service members who are struggling with those transitional challenges.

At the heart of it all is making the right decisions at the right time, and WeVett is here as your guide from start to finish. As veterans and military spouses, we aren’t outsiders looking in, we’re holding your hand through the deployments, the TDYs and the last minute PCSs, telling you it’s okay—there’s still a place where you can come home.

Do you want to see your own 20-Year Vision come to life? Reach out to us! Our team is ready to help get you there.

Buy vs. Rent: a Data-Driven Guide for PCS Moves

Anna Luzader — Fri, 20 Feb 2026 16:42:08 +0000

Military families know the drill. PCS orders drop, and there’s about 90 seconds to let it sink in before muscle memory takes over. You reach for your phone.

First search: BAH rates at [new duty station]
Second search: Zillow
Third search: Costco near [new duty station]

This is the proper PCS order of operations. We don’t make the rules.

Within hours, what started off as curiosity has spiraled into a high-school math flashback scene. If BAH is this, and homes are going for that… maybe renting makes sense. But, we really want to invest in our future, so this would be a great duty station where we finally make the leap.

Subtract the nine, carry the one, and just like that, you’re there again—the PCS math trap.

For military families, almost every piece of the homebuying process is touched by their lifestyle. Tight timelines, fluctuating BAH, and location uncertainty mean that what may be a steady investment for most carries far more nuance for active-duty buyers. Buying a home isn’t a feelings-based decision, but compiling the facts requires time, energy, and clarity; all of which are in short supply during the transition from one duty station to the next.

The Buy vs. Rent Calculator Made for Military Families

As a company built by and for the military community, WeVett knows the weight of the buy vs. rent decision during a military move. And even though helping you find and finance a home is our thing, we know that buying isn’t the default decision for everyone at every PCS. That’s why we built the Military Buy vs. Rent Calculator.

This isn’t a generic online widget built for the general population, it’s a tool specifically designed for active-duty service members navigating BAH, the VA loan, realistic ownership windows, and the very real possibility of having to pick up and go after only a few years.

At its core, the calculator stands to answer one crucial question: Over the time I expect to be at this duty station, which option leaves me and my family in a stronger financial position?

It doesn’t just compare monthly payments, it evaluates the total cost of ownership versus the total cost of renting while factoring in the VA funding fee, estimated appreciation, property taxes, insurance, maintenance, selling costs, and even the opportunity cost of tying up capital in a home versus investing it in other ways.

The Military Buy vs. Rent Calculator doesn’t push you toward buying or default to renting, it empowers buyers by revealing the realistic tradeoffs. Sometimes, ownership is the clear winner. Other times, especially for short timelines in high-cost areas, renting is the best option. But at the end of the day, clarity is what matters most; especially when orders can change faster than the market.

How to Use the Buy vs. Rent Calculator

First, let’s get this out of the way. The Military Buy vs. Rent Calculator is fun. We don’t judge you one bit for running the numbers on a $2.3 million dollar house in San Diego (for data purposes, of course). With that said however, this tool provides the best information when your inputs are as accurate as possible.

Here’s how to harness its power.

Start with your real pay grade, dependency status, and duty station.

Then, enter rental numbers that are comparable to the type of property you would realistically choose to buy. This is VERY important. For example, if you’re looking to buy a 3-bedroom 2.5-bath new build, don’t enter rental numbers for a studio apartment.

Scroll to the “Buy (VA Loan)” section, and complete the fields. Use current VA loan rates and keep in mind, the VA funding fee can be waived in certain circumstances. Your Certificate of Eligibility (COE) will indicate your exempt status. But, the most important variable here is your ownership timeline. Run the scenario based on your expected PCS window. If you plan to rent your property out after you buy, adjust the timeline accordingly.

The optional Advanced Options section allows you to really get into the nitty gritty. Here, you can enter loan term, other closing costs, property tax, appreciation, selling costs, insurance, maintenance, HOA, and utilities. Again, we encourage accuracy here, but realize none of us can see into the future. Do your best!

Next, select your tax information. If you enable the Opportunity Cost section, you’ll be able to see what would happen if you invest your down payment and any additional monthly savings.

Hit “Calculate” et voila, your Summary and Detailed Results are both available for the taking.

What to Watch Out For

One of the most common distortions in the buy vs. rent conversation happens when the properties being compared aren’t truly comparable. As mentioned earlier, if you’re running the numbers for a 3-bedroom 2.5-bath new build against a studio apartment, you’re comparing apples to oranges.

However, if you’re actively looking for similar properties to rent and finding that there are none, that could be a solid indicator that buying wins out in this scenario.

Another potential snare in running the numbers is leaning too heavily on optimistic appreciation assumptions. If buying only makes sense when appreciation runs hot, you’re placing bets on market performance which could spell trouble in the future.

Finally, resist the temptation to set rent increases to zero or populate maintenance costs with unrealistically low numbers. Both ownership and renting can experience inflation over time. So, best to keep a level head and err on the side of caution.

Remember, the Military Buy vs. Rent Calculator isn’t about building blue sky scenarios, it’s about setting military families up for long-term success.

The Move Before the Move

Home wasn’t built in a day (that’s how the saying goes, right?). Likewise, no PCS happens in one glorious fell swoop. It’s all about balancing short-term decisions for long-term gains, and finding a way to honor both. At the end of the day, what matters more than the best kitchen or shortest commute is whether your housing choice strengthens and supports your financial goals or actively works against them.

Buying with the VA loan is still one of the most powerful wealth-building tools available to active-duty service members and Veterans—especially when timeline and markets align. But renting can also be the strategic choice when flexibility takes center stage. The difference isn’t opinion, it’s math.

WeVett’s Military Buy vs. Rent Calculator serves to stand in that decision gap, revealing the full picture. The result? Transparency, confidence, and valuable time back. In a military career where so much is decided for you, this is one of the few choices where you can have control.

So, run the numbers. Stress-test the timeline. Then, if you want a second set of eyes on what you’re seeing, always feel free to reach out. We’re here to help you build, so the moves you make today support the life you’re building long after your last duty station.

Start your military homebuying journey today!

Recipe for Success: Whipzi Founder Angela Powell on Pivots, Purpose

Anna Luzader — Fri, 13 Feb 2026 05:36:25 +0000

Nothing is more true for military families than the famous saying, “Change is the only constant in life.” One day you’re heading to Japan on international PCS orders, and the next you’re solo-parenting through an unexpected deployment. And while this kind of lifestyle is certainly not for the faint of heart, those who can learn to embrace it unlock a potent power move: the pivot.

Angela Powell has perfected the art of the pivot, and the proof is quite literally in the pudding.

What started as a pandemic pastime turned into a thriving brand, Whipzi, which can now be found on store shelves across the country. In this Q&A, she shares her journey from military spouse to entrepreneur, demonstrating how resilience, creativity, and community can turn even the most unexpected seasons into something sweet.

Let’s start with your military background. What branch were you connected to, what was your role, and how did that experience shape the way you approach work and leadership today?

I immigrated from England to America when I was 18 and always wanted to go into the military. The U.S. Air Force was what I was looking at, so I enlisted as an X-ray tech. Then, while I was waiting to start my career as part of the Delayed Enlistment Program, I met my husband who had just graduated from the Air Force Academy. We knew it would be difficult with us both being active-duty, but I kept thinking, “I’ve always wanted to do this. I don’t want to go through life saying, ‘What if?’”

So, I continued with my plan to serve. A year after we were married, I got an honorable discharge and then became a military spouse for 20 years, following my husband from one base to another. When we got stationed at Nellis in Las Vegas, I started working part-time for Delta Airlines. So throughout all of his deployments, I was working and solo-parenting our two kids.

And when your spouse is deployed, you have to learn to be pretty independent and put out your own fires. I didn’t have any baking or business background, but through the military, you have to learn how to adapt and pivot (and YouTube everything). I think that’s really encouraged me to learn new skills and do things out of my comfort zone which has prepared me for this. It’s made me realize that you can pretty much do anything you set your mind to.

Can you introduce us to your business?

Whipzi is flavored powdered sugars crafted with gluten-free, all-natural ingredients.

While most people immediately think of frosting when they see powdered sugar, Whipzi has so many uses. You can make it into cold foams and syrups for coffee, marshmallows, meringues, and even puppy chow.

When most people are introduced to Whipzi, the most common response I get is, “What is flavored powdered sugar?” because they’ve never seen it before. But once they see how much it simplifies the baking process for them and how versatile it is, they see the benefit.

Where did the idea for Whipzi come from?

I’ve been with Delta Airlines for 16 years, and when COVID hit, I was suddenly at home with my kids wondering how to keep them occupied. So, being from England, I started teaching them how to make British staples like shepherd’s pie and Cornish pasties. From there, we started baking, and one of my coworkers had a birthday coming up. Knowing she struggles with depression, I asked her if we could bake her a cake. She said, “No, I don’t want a cake.” But, I told her she could always let me know if she changes her mind.

And she did. About a week before her birthday she told me, “I want a cake, no particular flavor.” Three days later, “Actually, I want a lemon cake.” Then, the day before, “By the way, it has to be gluten-free.” At that point, I didn’t know much about baking, but I did know that gluten-free is a whole different level of baking. But we made the cake, and it turned out really well. So well, that people asked us to start making cakes for them.

When my friend asked us to make a gender reveal cake, I immediately was thinking pink, blue, cotton candy. I ordered some cotton candy flavoring, and we added too much to the frosting. That made me think, “There has to be an easier way to flavor frostings,” so I started searching for it. After weeks of searching, I couldn’t find it anywhere. So I decided to try and make it myself.

What made you decide to take the leap from idea to launch?

Since my kids are older, I was thinking it would be a fun little hobby to keep me busy after we become empty nesters. So I found a factory that said they could help, and in October 2022 I officially launched Whipzi with a small run of a couple of hundred bags on my website, doing everything by myself while roping my family in to help me fulfill orders and such.

That continued until July 2024, when a World Market buyer reached out. They had found my product online and asked if they could retail it. I had never done anything like that before, but they walked me through every part of the process—how to use their shipping software and accept purchase orders. They were phenomenal, and even to this day they’re so good to work with.

In March 2025, they launched Whipzi’s lavender and lemon flavors nationwide and it sold really well, so they brought in five more pallets. From there, the relationship continued to grow. They added strawberry and vanilla in the summer, and then brought in pumpkin spice, salted caramel, and peppermint for fall. They’ll be bringing in lavender and lemon again this spring as well.

Another watershed moment for Whipzi was last January when I did my first Fancy Food Show as an exhibitor. A friend had mentioned it to me and I thought you know, why not? At the event, a buyer from H-E-B stopped by my booth and was really interested. H-E-B is a dream come true for CPG (consumer packaged goods) and having completed my basic training (and my husband’s pilot training) in Texas – it truly was a dream retailer. So in July, we launched chocolate, strawberry, and vanilla into H-E-B. Then Central Market took chocolate, strawberry, vanilla, orange, and lemon, plus some seasonal flavors. And now you can find Whipzi in World Market, H-E-B, Central Market, Meijer, Albertsons, and more!

Not for one moment did I think it would get this big. I mean, I have no business or baking experience, so I really had no idea. Still, to this day, it’s kind of surreal to walk into World Market on the way to get my English chocolate and see Whipzi on the shelf. It’s just crazy.

How has your military and military spouse experience impacted the way you lead Whipzi?

The military community had always been there when I needed them most. So, it’s really important for me to give back to the community and also highlight Veterans. Whipzi’s blueberry flavor is an example of that.

When we were stationed in Germany, I became really good friends with a fellow spouse who gave birth to her fourth child while we were stationed there. After the military sent us separate ways, we continued to keep in touch. Not long after they moved back to the U.S. for a Pentagon assignment, her son Brodie, who was 14 years old at the time, became ill and was ultimately diagnosed with a brain tumor.

They moved to Colorado to be close to family and the following years were filled with her and Brodie traveling for treatment. Since her husband was stationed in another state, it was really hard on them. Several of us that formed a friendship in Germany came to help often with Brodie and their family.

Brodie passed away at 16. I wanted to do something to honor his memory and he loved the color blue. I always knew if I did a blueberry flavor we would name it after Brodie and donate the proceeds. So we launched a flavor just for him, Brodie Blueberry, and all of the proceeds go to whatever charity the family chooses.

The first year we were able to donate $4,200 to the Pure Hope Foundation, a Texas-based nonprofit that works with victims of human trafficking, using profits from Brodie Blueberry plus funds from a matching donor who doubled the match. Next year, we’ll be donating to a nonprofit for preventing veteran suicide, which is a cause that’s near and dear to my heart.

We want to be able to give back, and being able to support veterans and the military community as a whole is so very important to us.

What’s next for Whipzi?

We have some new flavors coming out this spring, and currently working on a few that are in high-demand because of social media trends (hint-hint). But I also have another product in the works that no one has ever done before. You know, my wheels are always turning.

What advice would you give to active-duty service members or Veterans who want to start their own business but haven’t taken the first step yet?

First, trust your gut. I sat on the idea for Whipzi for maybe a month, and then finally just decided I was going to do it. I’ve always had ideas in the past, but never acted on them. But this time, I trusted my gut.

Second, just go for it. When you PCS and move, a lot of spouses have to figure out how to keep their career intact. For many, what they did at their last duty station won’t translate to the next one, and that’s especially true for overseas posts. But, we’re the most resilient people.

Like I said, I didn’t have any baking or business experience before this, and I think of how little I knew then plus how much I still have to learn now. But, I think out of everyone, military spouses and veterans are the ones that are so good at pivoting and growing simply because of the situations that they find themselves in.

You don’t want to go through life and say, “I should have… If only…” So, I definitely think if you have an idea, go for it.

A huge thank you to Angela for taking the time to share her journey with us. Her story is a powerful reminder that the skills learned through service—adaptability, grit, community—don’t end. They evolve. And when you mix them all together, that’s a recipe for success.

You can find Whipzi products online at whipzi.com and in select retailers nationwide. We’ve also included one of Angela’s favorite Whipzi recipes below so you can experience her product the same way it began—in your home kitchen with the people you care about most.

2 INGREDIENT STRAWBERRY MARSHMALLOWS

Making your own marshmallows couldn’t be easier, especially with our two-ingredient recipe, and let me tell you, they are absolutely delicious. With just gelatin and sugar, you can skip all the complicated stuff in store-bought versions. You’ll whip up some strawberry-flavored marshmallows that are so tasty, you’ll never want to go back to the ones from the store.

INGREDIENTS: MARSHMALLOWS

1 bag (16 oz/1lb) Whipzi strawberry flavor powdered sugar (or any flavor)
25 grams gelatin
1 cup water

INSTRUCTIONS:

In a separate mixing bowl add 1/2 cup of water and sprinkle the gelatin over the top of the water. In a large saucepan add one bag of Whipzi flavored powdered sugar and remaining 1/2 cup of water, bring to a boil on medium heat, stirring occasionally until temperature reaches 240 degrees. Carefully add heated powdered sugar and water mix to the mixing bowl with water and gelatin. Mix on low to incorporate and then medium for about 5 minutes until it starts to get fluffy. Pour into a rectangle baking dish that has been lined with parchment paper or oiled. Allow to sit for at least 6 hours. Sprinkle some more powdered sugar to the top of the marshmallows and cut with an oiled knife.

Which Locations Saw the Biggest Increases and Decreases in 2026 BAH Rates?

Anna Luzader — Wed, 10 Dec 2025 21:59:15 +0000

Calling all military families: it’s finally here! The Department of Defense has officially released 2026 Basic Allowance for Housing (BAH) rates, and for most active duty, there’s a welcomed boost on the way.

The 2026 BAH rates reflect shifting housing markets across the country, with the majority of housing areas seeing increases designed to better match local rental trends. But while some duty stations are seeing significant jumps, others are holding steady, and a small handful will even see slight decreases.

To give a quick snapshot of what’s changed, we’ve compiled a list of the five locations with the highest BAH increases and the five locations with the lowest increases, using the rank of O-3 with dependents as an example.

As always, rates are based on rank, location, and dependent status. So make sure to get clear on your BAH rate with our 2026 Military BAH Calculator before finalizing your budgeting or PCS decisions for the new year.

*Rates are calculated based on an O-3 with dependents

Top Five Locations with the Largest BAH Increases

1. Outer Banks, NC

2025: $2,667 | 2026: $3,078

INCREASE OF $420 (15.75%)

2. Terre Haute, IN

2025: $1,737 | 2026: $2,001

INCREASE OF $264 (15.20%)

3. Fayetteville, AR

2025: $2,076 | 2026: $2,355

INCREASE OF $279 (13.44%)

4. Stika, AK

2025: $3,060 | 2026: $3,462

INCREASE OF $402 (13.14%)

5. Houston, TX

2025: $2,388 | 2026: $2,700

INCREASE OF $312 (13.07%)

Top Five Locations with the Largest BAH Decreases

1. Austin, TX

2025: $3,702 | 2026: $3,447

DECREASE OF $255 (-6.89%)

2. Phoenix, AZ

2025: $2,616 | 2026: $2,490

DECREASE OF $126 (-4.82%)

3. Springfield/Decatur, IL

2025: $2,091 | 2026: $2,001

DECREASE OF $90 (-4.3%)

4. Brownsville, TX

2025: $2,247 | 2026: $2,169

DECREASE OF $78 (-3.47%)

5. Beaufort/Parris Island, SC

2025: $2,952 | 2026: $2,856

DECREASE OF $96 (-3.25%)

No matter where this year takes you, these new BAH rates can open the door to fresh homeownership possibilities. If you’re wondering what these changes mean for your next steps, our lending and realty teams are ready to help you explore your options and make the most of 2026.

2026 BAH Rates: How to Make the Most of Your PCS Buying Power

Anna Luzader — Fri, 05 Dec 2025 18:40:16 +0000

It’s the most wonderful time of the year. The Christmas trees are glowing and the hot chocolate’s flowing, but for military families, it’s not only visions of sugar plums (whatever those are) dancing through their heads. Every year, this season leaves every military homebuyer wondering the same thing: When will new military BAH rates be released?

BAH Rates Explained

For active duty, few numbers matter more than Basic Allowance for Housing (BAH). This tax-free housing stipend is available for uniformed service members who choose to live off base at duty stations located within the 50 U.S. states. But this benefit didn’t always exist.

In the post-World War II era, all service members were expected to live on base. While convenient, this setup quickly led to housing shortages. So, the government developed a benefit called Basic Allowance for Quarters (BAQ) to provide a small, standard stipend for off-base housing. There was a big problem, though. Because BAQ didn’t take local housing costs into consideration, many service members in high-cost areas were left to pay steep out-of-pocket housing expenses.

In the 1990s, Congress stepped in to save the day. Their plan involved a complete BAQ overhaul, creating a system based on data markers instead of standard rates. In 1998, their hard work came to fruition with BAH completely replacing BAQ. For all you history enthusiasts, we delve more into the history and evolution of BAH here. But thanks to the modernization of this system, standard housing rates are—well—history, and the amount of BAH a service member receives is now determined by three factors:

1. Pay Grade
Military BAH increases along with your time in service. So, a newly-commissioned officer completing their first year in the military won’t have the same allocation as someone with 20 years of service—even if they’re stationed at the same base.

2. Geographic Location
BAH rates are based on the local rental market rates and average cost of utilities at each duty station. Every person stationed in San Diego is grateful for this.

3. Dependents
BAH is different for single active-duty military and those with a family in tow. Sadly, furchildren and high-maintenance houseplants don’t count as dependents (yet).

Each year, the DoD analyzes data to track closely with the real cost of living at each duty station. In other words, when markets shift, BAH follows. The new rates then go into effect on January 1st every year.

And don’t worry, military personnel serving overseas still have access to housing benefits with some minor changes. Instead of BAH, overseas active duty receive Overseas Housing Allowance, or OHA, which also includes a move-in housing allowance.

Military BAH has come a long way since the early days, and now allows service members to cover about 95% of their housing costs. Additionally, protections like Individual Rate Protection were added to ensure members never receive less BAH than the previous year as long as their duty station and dependency status are the same. Though not perfect, BAH has been instrumental in transforming military housing support from an add-on benefit to a foundational component of financial health and future stability for military families.

How BAH Impacts PCS Buying Power

As touched on earlier, BAH is based on rental markets, which draws from the assumption that those who use it will be renting at their duty station. But, BAH can also be an invaluable tool to leverage for homeownership—particularly when paired with the VA loan.

New to the VA Loan? Check out our free VA Loan Masterclass here!

For PCS planning, BAH works as your baseline housing budget. So before you start browsing Zillow or asking about neighborhoods in Facebook groups, your expected BAH rate gives you a realistic sense of what’s affordable in that market.

But here’s where BAH really does the heavy lifting: when buying a house, lenders can usually count BAH as qualifying, nontaxable income for VA loans. That means your housing allowance directly affects your debt-to-income ratio, your maximum approved loan amount, and ultimately, the price range of homes you can shop for.

In short, when used strategically (especially at each PCS), BAH doesn’t just cover housing. Instead, it can help set military families up for real wealth. That’s the long game WeVett is building toward: helping families exit the military with a paid for or nearly paid for home.

2026 BAH Rates

Now, the moment you’ve all been waiting for. Though the official BAH rates for 2026 haven’t been announced yet, the DoD has released approximate data. So all you have to do now is plug your duty station’s zip code or location into the WeVett’s 2026 Military BAH Calculator and boom… 2026 BAH rates. The calculator covers all military branches and locations that receive BAH, so you can start the new year with a clearer runway for PCS planning—especially if you’re navigating the PCS buy vs. rent decision.

For active-duty families gearing up for a move in 2026, our tools and team are here to help you plan your next chapter. If you’re looking for guidance in understanding how BAH can shape your military homeownership journey, feel free to reach out to our team of VA loan experts!

VA Loan Limits for 2026 and What They Mean for Buyers

Shannon Kaufman — Wed, 26 Nov 2025 19:07:19 +0000

The end of the year has (almost) arrived, and military and veterans alike are waiting with bated breath for those crucial end-of-year announcements – paychecks, loan limits, BAH rates. And after a very uncertain last two months, it is a relief to finally begin to plan for the future again.

Our first announcement on this list: The Federal Housing Finance Agency (FHFA) has finally released VA loan limits for 2026. If you’re planning on buying a home next year, new loan limits might adjust your VA buying power.

So, the question of the hour: Will loan limits increase in 2026?

How Do VA Loan Limits Work?

First, let’s get familiar with loan limits and why they matter.

Loan limits are the maximum amount a lender will lend to you without needing a down payment. Although this was not the case prior to 2020, loan limits now only apply to buyers with partial entitlement. That means it’s specifically for those who have already used their VA loan once, and that the VA loan is still active or not yet paid off.

Loan limits come into play when you are seeking a subsequent use VA loan (i.e. a second VA loan). The FHFA then sets limits based on the amount of entitlement already used with that first loan. If you have questions on how much entitlement you have, your Certificate of Eligibility (COE) will be a key piece in helping you and your lender determine how much home you can buy at 0% down.

We’ll walk you through the basic math for determining your entitlement, but if you want the easy button option, reach out to our VA loan team for help.

How to Calculate VA Loan Remaining Entitlement

Here’s the quick-and-dirty formula for calculating your remaining VA loan entitlement if you have an outstanding VA loan. (If you have more than one outstanding VA loan, we suggest going straight to a VA specialized lender calculate your remaining entitlement.)

Step One:
Identify the amount of entitlement already charged.

Entitlement Charged = 25 percent of the original loan amount that is still active
(If a prior VA loan is paid off and entitlement restored, that portion becomes zero.)

Step Two:
Determine maximum entitlement available in the target county.

Max Entitlement in County = County Conforming Loan Limit × 0.25

Step Three:
Remaining Entitlement Formula

Remaining Entitlement = Max Entitlement in County − Entitlement Charged

Step Four:
Maximum No-Down-Payment Purchase Power

This circles back because VA guarantees 25 percent of the loan.

Max Zero Down VA Loan Amount = Remaining Entitlement × 4

Remaining Entitlement Formula
Remaining Entitlement = 0.25 × (County Loan Limit − Existing VA Loan Balance)

Here’s the formula in practice:

Let’s say you want to buy a house in an area with a County Loan Limit (CLL) of $806,500, and you’ve used $50,000 of your entitlement on an existing loan.

$806,500 (CLL) x 0.25 = $201,625
Remaining entitlement: $201,625 – $50,000 = $151,642
Maximum zero-down loan: $151,642 x 4 = $606,568

This means you could get a loan for $606,568 with zero down, based on the remaining entitlement.

Since loan limits are determined by county, you have to find out your county limit before calculating your max entitlement.

As a reminder, if you are using a VA loan for the first time or have no current loans, there’s no loan limit.

Find out more about understanding your entitlement and COE at VA.gov.

VA Loan Limits for 2026

As it turns out, life just keeps getting more expensive – which means loan limits have to adjust annually to reflect rising (or falling) home prices.

Let’s take a quick look back at last year for comparison. In 2025, for most areas in the United States, the conforming loan limit values for one-unit properties were $806,500, increasing 5.2 percent from 2024, according to the FHFA.

However, some high-cost areas (such as Alaska, Hawaii, Guam, and the U.S. Virgin Islands) may have a higher application loan limit compared to the baseline limit. In areas designated “high-cost counties,” limits can be as high as $1,209,750 (150% of the baseline limit).

Find information about previous loan limits in our 2025 loan limit changes video.

What are the VA loan limits in 2026 for my county?

Alright, now that you are sufficiently learned on all things loan limits, here is what you’ve been scrolling through this article for…

We have compiled a database of all the adjusted loan limits for 2026 by county. You can search using your zip or city (and if you peek at California and Hawaii’s loan limits, we promise we won’t tell). Check out the calculator below!

VA Loan Limits for 2026

Still unsure about how VA loan limits work or how they may apply to you? Check out our resources, or contact one of our va loan experts today.

WeVett Waypoints: The Broadbents

Anna Luzader — Fri, 14 Nov 2025 20:18:15 +0000

What do you get when the United States Air Force Academy (USAFA) brings together a tech-forward cadet and an international intel polyglot-in-training? Meet Gordon Broadbent and Sarah “FIGHT” Broadbent (Nickisch)—2013 United States Air Force Academy (USAFA) grads, founding members of WeVett, all-around power couple, and living proof that joining the Long Blue Line is just the beginning of an unforgettable life.

For Sarah, a conversation around the dinner table is what changed her trajectory. “I had started learning Arabic in high school and wanted to continue in college,” she recalls. “My dad randomly said at the dinner table the fall of my senior year, ‘How about a military academy?’ It was one of the best pieces of advice I’ve ever received.” However, her time as a cadet wasn’t without challenges. When thinking back on her first day, Sarah says, “I just remember looking in the mirror at the end of the day—headband pulling back short hair, BCGs, and ABUs that were way too big—smiling and thinking, ‘What did I get myself into?’”

Gordon, on the other hand, had a window into the USAFA life before joining, and luckily inherited tips and tricks from his brother who attended the Academy before him. That was enough to brace him for what was coming. “I was just thankful to be there,” Gordon said. “My first day was exactly what I expected. Intense, but exciting.”

Their USAFA years were filled with the usual chaos, camaraderie, and character-building, but they also laid the foundation for an incredibly promising career. Today, Gordon serves as an active duty acquisitions officer (63A & 62E) and is currently taking part in a Department of the Air Force–sponsored Executive Development Program, spending three years at Microsoft while simultaneously pursuing a PhD. Sarah is a Drill Status Guardsman for the Oregon Air National Guard and the Director of Intelligence for the 173rd Fighter Wing. She’s also the founder and COO of ValkyrieTek, a consultancy focused on cyber and intelligence training solutions.

While currently based in Seattle, which they describe as “epic,” the Broadbents are already looking forward to their next chapter at Air Command and Staff College at Maxwell AFB. And while their careers take them all over the globe, the pair has also found ways to give back wherever they may be. “We’re proud to be from USAFA, and strive to serve and pay it forward,” they share. “We’ve recently taken up a few opportunities to volunteer our time by getting involved in the new NextGen Advisory Council to the USAFA Association & Foundation and leading the Air & Space Forces Association Greater Seattle Chapter.”

For the Broadbents, giving back is just one way of staying connected to the community that shaped, and continues to shape, so much of their story. Their closest friendships, their mentors, even their extended family all trace back to the Long Blue Line. “USAFA provided us the opportunity to not only meet each other, but also paved the way for one of each of our siblings to marry incredible people,” Sarah says. Jonathan (’12) and Steph (’14) Broadbent and David (’13) and Sami (Nickisch) Shealy are all part of both the extended Broadbent family tree and the USAFA family, and their collective crew of kids has added more fun to the mix.

It was this strong sense of community that carried them through one of Sarah’s most defining transitions in 2023 when their daughter Ivy was born. “I knew I wanted to prioritize being home with her, but leaving a very promising active duty career was still challenging,” she shares. “I am fortunate to have so many incredible mentors and friends from USAFA and across my career that helped me navigate that crossroad!”

These days, returning to the Academy for events like the WeVett tailgate carries a deeper kind of meaning. It’s a return to the beginning; a full-circle moment where they get to reflect on how far they’ve come, while sharing the lessons of their journey with the next generation.

When asked what they’d say to the cadets or recent grads dropping by the tailgate, they don’t hesitate: “Try new things while you’re a cadet. Engage with your professors… it’s incredible how much they care!” And for the Broadbent’s final piece of advice, they implore, “Enjoy all that CO has to offer, but especially the snowboarding.”

WeVett Waypoints: Maj. Andrew Gorospe

Anna Luzader — Fri, 24 Oct 2025 17:41:13 +0000

Major Andrew Gorospe didn’t grow up with dreams of becoming a cadet. In fact, he’ll be the first to tell you, “My path to the Academy was a bit unconventional.” As someone raised outside of the military community, USAFA wasn’t even on his radar until his senior year of high school when a mentor on his travel soccer team first made the connection. After attending Appointee Weekend, Gorospe ran with it. “Given my interest in computers and computer programming, the Air Force Academy stood out as the best fit for what I wanted to study and the kind of career I wanted to pursue.”

That career has since come to fruition while also bringing him full-circle. After graduating in 2013 with a Computer Science degree, Gorospe and his family have moved across the world and back again. Today, Major Andrew Gorospe serves as Deputy Commander of the 62nd Cyberspace Squadron at Peterson Space Force Base in Colorado Springs, just 25 miles away from where his career journey first began.

Like many grads, Gorospe describes the Academy as “a great place to be from,” but also admits that he had no idea what he was getting into, and in retrospect, maybe that was a good thing. “The first day was a shocker,” he states. “Basic training turned out to be a mental, physical, and emotional challenge unlike anything I had anticipated.”

Still, Gorospe doesn’t see basic training as his one pivotal moment at the Academy. Instead, it was steady access to the community that helped mold him. “One of the most significant lessons [I learned] came from observing both good and bad leaders at the Academy, some of which were through friendship and some of which were through military chain-of-command,” he shares.” I had never considered myself much of a leader before attending USAFA. Even through my officer years, leadership has been a progressive journey, but it was at the Academy where I first truly took it on.”

That foundation proved critical as his career progressed, and especially as his family navigated one of their greatest challenges yet–a PCS from Write-Patterson AFB in Ohio to Joint Force Command Brunssum in the Netherlands.

“It was easily the hardest transition,” Gorospe said. “Selling our home while planning an international move could’ve been overwhelming. But Evan at WeVett made it monumentally less stressful than it could have been.” Once overseas, the military community continued to show up. “That support system helped us find our footing and create a new normal.”

Now back stateside, Gorospe finds himself back in familiar territory. Each return to the Hill brings back old memories while creating new ones. This is especially true during WeVett Tailgates, which have now become a family affair. “It’s definitely nostalgic—both being on the Academy grounds and going to the tailgate, except I suppose these are at my own free will!” he jokes. But on a more serious note, “Being able to share a little bit of my past with my family and give them a window into that chapter of my life? That means a lot.”

These are the moments where past and present collide. The Academy friendships that started in the crucible of the Doolie days have outlasted continents and careers. “Some of my closest relationships have lasted over a decade,” he says. “Whether classmates are still in service or not, the bond doesn’t really fade.”

Even meeting USAFA grads he didn’t know during school comes with its own instantaneous connection. “Regardless of class year, being a USAFA grad means you start the relationship with a shared experience,” Gorospe says. “That usually leads to mutual understanding and a baseline of trust.”

And maybe that’s the heart of it, knowing that no matter how far you’ve gone, there’s still a place where people just get it. Where the experiences make sense. Where you can swap war stories. Where the past feels both distant and near.

That’s what WeVett Waypoints is all about, celebrating the winding journeys that begin at the Academy, pass through countless zip codes, and circle back with new stories, new roles, and new roots. It’s about how “home” evolves from a dorm room to a duty station to a tailgate.

As we gear up for another game day at Falcon Stadium, it’s stories like Gorospe’s that remind us where we started, how far we’ve come, and what it means to come home again.

WeVett Waypoints: Captain Kitt Regier

Anna Luzader — Wed, 22 Oct 2025 21:29:29 +0000

Home isn’t just where you land, it’s also the community that helps you take off. And for many in the WeVett family, including co-founder Evan Kaufman, the U.S. Air Force Academy (USAFA) forms a cornerstone of that community. Whether your path after graduation is administration or aviation, the Academy’s culture and commission leaves a lifelong impact

As we head into our fourth annual WeVett Tailgate at the Air Force Academy, we’re taking a look back at where it all began with our new series, WeVett Waypoints.

A waypoint is a marker along your path – a moment, a milestone, or a connection that shapes the direction of your life. In this series, we’re celebrating the moments that helped our community members find, create, and carry home wherever their journey has taken them.

First up is Captain Kitt Regier, a 2021 USAFA grad whose journey has taken him from Kansas to Colorado and far beyond. Like many Academy alum, Regier’s story isn’t just about reaching new heights. It’s about perseverance, possibility, and most importantly, people.

When Capt Kitt Regier graduated from the Academy in 2021 with a degree in Economics, he left with more than academic excellence and ambition. He packed his bags for pilot training with a fresh perspective and an ever-expanding network of Air Force family.

Originally, it was the unique experiences, academic rigor, and impressive alumni network that attracted him to USAFA. “Most of all, I wanted to be a fighter pilot and knew that the Academy would provide the best chance of doing just that,” Regier states. “Oh, and I love Colorado, so the location was a huge plus!”

His plans to fly fighters has since come to fruition. Now an F-35 pilot at RAF Lakenheath in the United Kingdom, Regier is quick to point out that the real impact of USAFA doesn’t always hit you while you’re marching across the terrazzo. “I think the real impact to my own perspective came after graduating,” he says. “You look back and realize how unique the Academy was, how impressive your peers were, how compelling the classroom could be, and how much fun you had (whether you realized it at the time or not).”

This is what it means to be an Academy grad. It’s not just about personal achievement, it’s about carrying the values and relationships you’ve formed during your four years in Colorado Springs into each new chapter.

For Regier, some of those chapters were more challenging than others. “Doolie year kicked my butt academically, physically, and emotionally,” he admits. But Regier rose to the occasion. “After that first year, I found my footing, caught up to the intensive pace, and came out the other side a much stronger, well-rounded person with countless friends.”

Friends found in these circumstances are both rare and invaluable. Regier notes, “There is an immediate sense of trust and a unique connection that only exists between a few people who have experienced the challenge, chaos, and camaraderie of the Air Force Academy.”

Now, as he puts it, his USAFA community shows up in all corners of the globe. “As a USAFA grad, I know that I’ll have a good friend essentially anywhere I find myself around the world. That is so unique and can’t be said for the other commissioning sources.”

It’s part of what makes events like the WeVett Tailgate so meaningful. To Academy grads, coming back to campus, even if it’s just for a ballgame, marks a return to their prior stomping grounds. It’s a reminder of lessons learned and a glimpse back at who stood beside you when you were becoming who you currently are.

“Seeing old faces, shaking new hands, grabbing coffee and a burrito before the game, that’s the good stuff,” Regier says. We’d have to agree. Every year, the WeVett Tailgate does double duty, serving as equal parts pre-game party and mini Academy reunion. When asked who he would love to see at the event this year Regier says it’s “gotta be my boy Caleb Ferguson. We roomed together Firstie year. A million good memories. I’d tap him on the shoulder with a Fireball shot and get the party started.”

As for the next generation of cadets who find themselves in the place Regier once was, this is the advice he would give.

“Work hard, be a bro, and savor the moment. Your lifelong friends live just down the hall. You’re at a world-class institution, and people pay a lot of money to live somewhere with comparable views. Carpe diem. Get involved in something that interests you, take a second to stare at the mountains on a crisp morning, talk to someone new over a cup of Mitch’s coffee, have a beer with a bro/broette at HAP’s, study hard and play harder!”

Bridging the Readiness Gap: Reflections from AFA 2025

Anna Luzader — Wed, 15 Oct 2025 18:28:50 +0000

Each year, thousands gather for the Air and Space Force Association’s (AFA’s) annual Air, Space, & Cyber Conference. This year’s event was no different, drawing over 20,000 Air Force, Space Force, and industry professionals from September 22-24 to hear from top brass, share emerging technologies, and connect with colleagues. For the military community, AFA 2025 wasn’t just a quick trip to National Harbor, it was three days of exclusive access to the conversations shaping the future of air and space power. But where does a home loan and realty company like WeVett fit into this world of strategy and innovation?

Mardie Marqueze knew the answer on day one. As WeVett’s Realty Experience and Sales Director, she walks hand-in-hand with active-duty service members and Veterans during their homebuying journey, connecting clients with military-specialized realtors, answering questions, and offering support at every home buying decision point. She not only understands mission readiness from a spouse’s point of view, but sees firsthand how building a strong homefront can contribute to better mental, financial, and career health. So, as she walked through the conference room doors on that first day, it was easy to see where AFA’s key message met WeVett’s mission–strong families mean strong Forces.

We sat down with Mardie to talk more about her time at AFA–what she saw, shared, and learned–and how WeVett is stepping up to strengthen the future for military families.

Q: Can you describe AFA to those who aren’t familiar, and tell us what the day-to-day looked like?

AFA is an annual event hosted by the Air and Space Force Association where industry leaders come together to discuss anything and everything connected to advancing the mission. For attendees, it’s a pretty major event. There’s the main keynote sessions delivered by speakers including the Honorable Troy Meink, Secretary of the Air Force, and Gen. David W. Allvin, Chief Staff of the Air Force. And there’s also several breakout sessions covering everything from leadership and family to defense systems and technology. It’s a great place to network with everyone from top generals to tech innovators.

In the exhibition hall, you can find big names like Boeing and Rolls‑Royce as well as leading-edge tech companies. One company even had a robot playing fetch. I wasn’t expecting to see that on a Tuesday. But there’s also a strong spouse and family component, which is very aligned with WeVett’s mission.

Q: Was there a specific session, speaker, or conversation that stuck out to you?

I really enjoyed the session with General David Allvin, Chief of Staff of the Air Force, and his wife Gina Allvin in the “United Forces & Families: Senior Leaders’ Perspectives” session. It was an honest conversation around balancing mission demands with family needs, which is important for sustainability. I appreciated each contributor’s authenticity and relatability. Also, hearing senior leaders discuss housing and PCS challenges highlighted how crucial it is to have community during tough seasons. To me, it confirmed the importance of WeVett’s mission, especially our 20‑Year Client Vision.

Q: How does AFA impact active-duty military and their families?

One thing that really stood out to me at this year’s event was that throughout the many keynote sessions and breakouts, I heard a few common threads–especially when addressing challenges.Whether it’s a new airman just starting out their career or a seasoned general with several years under their belt, many of the challenges are the same: PCSing, housing, and balancing mission with family life. Providing support structures for these difficulties is also central to the success of our forces.

This year, it was really cool to see those topics discussed on such a big stage. There was even a MilSpouse Link Up Lounge that provided a designated space for military spouses to exchange ideas and share resources, further emphasizing that readiness encompasses the whole family. And this ties into WeVett’s place in the military community, since our role as trusted PCS partners positions us to walk with families through some of life’s most stressful transitions.

Q: What was your biggest takeaway from AFA 2025?

I left with a deeper understanding of how sustained family support equals mission readiness. Families are a strategic advantage when supported well, especially throughout challenging seasons like deployments and moves. Hearing several speakers connect home stability and community to overall Force health made me think about how WeVett can bridge gaps while continuing to build our team as true advocates rather than purely service providers.

Q: And just for fun, what was your favorite moment or memory from this year’s event?

First, I have to give a shoutout to the MilSpouse LinkUp Lounge for the free massages. That was amazing. But on a more serious note, it was great to reconnect with friends. When you’re living the military life, long-distance friendships are the norm. So, it’s a big treat to see so many people you’ve lived and served beside at once, especially those from my husband’s early career. It’s like a big family reunion.

I also loved getting to connect with other active-duty service members, their families, and military-focused companies, and have meaningful conversations around WeVett’s services. As the Realty Experience and Sales Director, it’s always fulfilling to share about why WeVett exists. Our mission is to provide our clients with the highest quality realty and VA loan services, allowing them to make sound financial decisions throughout the homebuying process. It’s a mission I really believe in, and I was honored to be able to bring that WeVett passion and enthusiasm to AFA 2025.

Partnership Beyond the Dotted Line

AFA 2025 served as a powerful reminder that true mission readiness is multifaceted. That’s why military families deserve more than one-size-fits-all solutions, they deserve partners who understand their journey. This partnership forms the epicenter of our ethos, fueling our efforts to show up in new ways.

AFA 2025 has come and gone, but one thing remains clear: what we call “home” reaches far beyond four walls. As such, WeVett is proud to stand with active-duty service members and their families not only throughout their homebuying journey, but as long-term advocates for building community, financial security, and a future worth fighting for.

Ready to start building? Connect with WeVett today.