Moving boxes on the porch of a Florida home with the front door open

Military Relocation

A move on orders is a different kind of move

Akeme served in the Army and later worked with the Department of Defense before moving into Florida real estate. He has packed on someone else's timeline, and he knows a PCS window is not a browsing window.

It also happens that the area he works in every day keeps landing at the top of the lists. Sarasota was ranked #1 in both "Best Cities After Service" and "Best Cities for Retired Veterans" in Navy Federal Credit Union's 2024 Best Cities After Service report, produced with Sperling's BestPlaces.

Why this area

Sarasota, ranked #1 for life after service

Sarasota was ranked #1 in both "Best Cities After Service" and "Best Cities for Retired Veterans" in Navy Federal Credit Union's 2024 Best Cities After Service report, produced with Sperling's BestPlaces.

The report ranked more than 400 US cities on quality-of-life measures — the size of the veteran community, cost of living and taxes, proximity to VA hospitals and military installations, economic health, climate, recreation, healthcare and schools.

Worth being precise about what that means: those rankings measure overall livability and appeal as a place to retire after service. They are not a ranking of where veterans should buy a house — that is a separate list in the same report, and Sarasota is not on it. What the ranking does tell you is that the people who study this for a living think this stretch of the Gulf Coast is a good place to land.

Sarasota bayfront at sunset with sailboats and palm trees

VA loans

The VA loan, in plain terms

A VA loan is a mortgage made by an ordinary private lender — a bank, a credit union, a mortgage company — that carries a guarantee from the US Department of Veterans Affairs. The VA does not lend the money. Because the government stands behind part of the loan, lenders can offer terms they otherwise wouldn't.

Who is generally eligible

  • · Veterans who meet the service requirements for the era they served in.
  • · Active-duty servicemembers who have served a qualifying period.
  • · Many National Guard and Reserve members who meet service requirements.
  • · Some surviving spouses of servicemembers.

Eligibility is confirmed with a Certificate of Eligibility, which a lender can usually pull for you in minutes.

The benefits people talk about

  • · No down payment requirement on most purchases.
  • · No private mortgage insurance, which conventional low-down-payment loans charge.
  • · Rates that are typically competitive with conventional financing.
  • · A one-time funding fee instead of monthly mortgage insurance — and some veterans, including many receiving service-connected disability compensation, are exempt from it.
  • · The benefit can be used more than once over a career.

Where this page stops

Numbers change, and they are personal. Current limits, rates, fees, and what you specifically qualify for come from a VA-approved lender looking at your entitlement and your file — not from a website. If you don't have a lender yet, Akeme can point you to ones who handle VA loans regularly. This is general information, not financial advice.

More detail on the steps, on down payment and closing cost help, and on how the timing usually falls: read the relocation FAQ.

The PCS timeline

How a relocation usually unfolds

Every set of orders is different, so treat this as the shape of the process rather than a schedule. The point is knowing where a Realtor fits, and when to bring one in.

  1. Step 1

    Before orders are firm

    Talk to a lender early and get pre-approved, so you know your range before a report date forces the pace. This is also the moment to learn the areas — which side of the bay, how long the commute really is, what a school zone means here.

  2. Step 2

    Orders in hand

    Now the search gets specific. We decide whether buying makes sense for this tour or whether renting first is the smarter move, and we plan a house-hunting trip so your days on the ground are spent seeing homes, not orienting.

  3. Step 3

    Searching from a distance

    Plenty of families never see the house in person until move-in. Live video walkthroughs, filmed neighborhood drive-throughs, documents signed electronically, and an offer written and negotiated while you're still in another state or overseas.

  4. Step 4

    Closing and moving in

    We work backwards from your report date — inspections, appraisal, occupancy, and utilities. Orders shift; when the schedule moves, we adjust the closing plan rather than scramble.

Renting first

What a military clause is

Many families rent for a tour before buying, or rent briefly on either side of a move. A military clause is a provision written into a lease that lets a servicemember end the lease early when qualifying orders arrive — a PCS, a deployment, or separation from service — normally with written notice and a copy of the orders.

Servicemembers also have protections under federal law, the Servicemembers Civil Relief Act, which addresses ending residential leases in certain circumstances. A lease's own wording still matters: notice periods, what counts as qualifying orders, and how any deposit or fee is handled vary from lease to lease and state to state.

Read the clause before you sign, and have anything you're unsure about reviewed by a qualified attorney or your installation's legal assistance office. This is a general explanation, not legal advice.

Working together

What Akeme brings to a military move

Virtual tours and consultations

Live video showings and recorded walkthroughs for buyers relocating from out of state or overseas, on a time zone that works for you.

Flexibility around PCS timing

Evening and weekend calls, a house-hunting trip planned around your window, and a closing timeline built around your report date.

A lender introduction for VA financing

If you don't already have a VA-approved lender, Akeme can point you to lenders who handle VA loans regularly. Your numbers come from them, not from this page.

A background that doesn't need explaining

Akeme served in the Army and later worked with the Department of Defense. Orders, report dates and moving on someone else's schedule are familiar ground.

Market snapshot

What the Sarasota area looks like right now

The same figures behind the site's market pages, for the North Port–Sarasota–Bradenton metro, as of September 2026. Useful for setting expectations before you ever get here.

Median list price
$457,450

The midpoint asking price of homes on the market — half are listed above, half below.

Median days on market
88 days

How long a typical listing sits before going under contract — rising days mean a slower market.

Active listings
6,905

Homes available for sale at month end — the supply side of the market.

Data provided by Realtor.com Research Data. Source data. Metro-level figures — individual neighborhoods vary. See the full market data.

Get started

Tell me where you're headed and when

Report date, rough budget, whether you're buying or renting first, and how far out you are. That's enough for a first conversation — even if the orders aren't final yet.

804-499-8887

dwayne@fosterfwdminds.com

Akeme Foster · Florida REALTOR® · License #SL3612044

Just so I know where you are — your numbers still come from a VA-approved lender.