FREE pcs mortgage guide
The Mortgage Tool Bus PCS Guide
Everything military borrowers need to know before buying a home in Colorado Springs — VA loans, BAH math, the PCS timeline, and what most lenders won't tell you.
No shame. No pressure. No jargon. Just the real playbook.
Fort Carson · Peterson SFB · USAFA · Schriever SFB
What You’ll Walk Away With
A clear picture of your VA loan benefit, your real numbers, and your next step — whether you're buying in 30 days or just starting to research.
Your VA Loan — Fully Explained
Funding fee waivers, second-tier entitlement, what zero down actually means at closing, and how to tell if your lender actually knows what they're doing.
The BAH Math (With the PITI Sushi Roll)
What your housing allowance actually covers — and what it doesn't. We'll walk through real 2026 numbers for Colorado Springs so you can see what homes actually pencil out before you fall in love with a listing
How to Read Your LES Like A Lender
Base pay, BAH, BAS, allotments — here's what counts, what doesn't, and what can quietly hurt your DTI if you're not watching.
The PCS Mortgage Timeline
Stage by stage, from pre-approval to closing day, with the honest truth about what slows VA loans down on a tight PCS window.
The Credit Picture for Military Borrowers
Common situations that feel like dealbreakers — and usually aren't. Plus realistic timelines if something needs work before you can close.
When Renting First Makes More Sense
A short-tour math breakdown and an honest take on when buying is the right move and when it isn't.
ZERO PRESSURE ZONE
This Might Be For You If…
You don’t need to have it all figured out.
You just need a place to start.
You're PCSing to Colorado Springs and don't know the market
Four installations, very different price zones, and BAH that may or may not cover what you're looking at. This guide walks you through the math before you tour a single house.
You've used a VA loan before but aren't sure what you can do now
Second-tier entitlement, restoration, what happens when you want to keep the first house and buy again — it's all in here.
Someone told you that you can't buy right now
A no from one lender at one moment in time is not a permanent answer. This guide will help you understand what it actually means and what the real path looks like.
You want to understand your benefit before you talk to a lender
Smart move. The more you understand going in, the better questions you ask — and the faster you spot a lender who doesn't actually know VA loans.
Your guide on the Mortgage Tool Bus
Hi, I’m Kat 👋
I'm a mortgage loan originator, the wife of a disabled Army veteran. I've been on your side of this process personally — and I know what it feels like to navigate a VA loan when you're trying to move fast, manage a family, and close before your report date.
My job isn't to push you into a loan. It's to make sure you understand your benefit, know your real numbers, and have a plan that actually works for your life.
Whether you're 30 days out from your PCS or just starting to research — you're in the right place.
You are not behind.
You are not failing.
You are serving — and homeownership is one of the most powerful tools your benefit gives you.
Ready to know where you stand?
Get the free PCS Mortgage Guide and see the full picture before you make any decisions.