End-of-Year Real Estate Tips for Military Families

MIL-Estate Network is 100% Veteran or Military Spouse Realtors. We have over 160 agents nationwide so we can help you anywhere!

As the year winds down, military families have unique opportunities to prepare financially and strategically for the year ahead. Whether you’re stationed stateside or planning your next PCS, these end-of-year real-estate tips will help you stay organized and ready for success.

1. Review Your Home-Related Documents for Tax Season

Gather your settlement statements, mortgage interest forms, property-tax receipts, and records for home improvements. These documents are essential for claiming deductions or capital-gain exclusions next year. Organize them now to save time later.

2. Reassess Your VA Loan and Benefits

If you haven’t used your VA home-loan entitlement—or plan to refinance—check your eligibility and current rates before year-end. Some lenders offer year-end incentives, and knowing your remaining entitlement can help you prepare for future moves or investment properties.

3. Winterize and Maintain Your Home

Before temperatures drop, ensure your HVAC system is serviced, your pipes are insulated, and your gutters are clear. Preventative maintenance saves money and protects your investment—especially if deployment or PCS orders could take you away unexpectedly.

4. Evaluate Your Home’s Equity

Even if you’re not planning to sell soon, understanding your home’s current value helps with long-term planning. Many military families build wealth through strategic equity growth or investment properties, so it’s worth checking in with your Realtor before the new year.

5. Plan Financial Goals for the New Year

Use this time to create a budget that includes housing costs, savings, and PCS planning. Talk to a financial strategist familiar with military benefits to align your goals with your lifestyle.

By closing out the year organized and informed, you’ll set yourself—and your family—up for smoother moves, smarter investments, and greater peace of mind in the year ahead.

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