PCS Orders? VA Loan? We Handle Military Short Sales in Maryland.
Maryland has one of the largest military populations in the country - Fort Meade, Andrews Air Force Base, Naval Support Activity Annapolis, and the Pentagon corridor all generate significant short sale activity when service members receive PCS orders.
Military PCS orders are a recognized qualifying hardship for both conventional and VA loan short sales. The VA has a specific program - the VA Compromise Sale - designed for exactly this situation.
Service members deserve faster answers.
PCS timelines are tight. We prioritize military short sales and work within your reporting date. Contact us as soon as you receive orders - the earlier we start, the more options you have.
Military Short Sale Consultation
PCS orders, VA loans, or deployment hardship - tell us your situation.
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How the VA Short Sale Program Works
What Is a VA Compromise Sale?
A VA Compromise Sale is the VA's version of a short sale. When the sale proceeds are less than the outstanding VA loan balance, the VA may cover the shortfall - depending on the amount of guarantee and the circumstances. The process requires approval from both your lender/servicer and the VA itself.
Who Qualifies?
Active duty service members with PCS orders, veterans facing financial hardship, and surviving spouses with VA loans. PCS orders are an automatic qualifying hardship - you don't need to be behind on payments if you have official orders showing you must relocate.
The VA Approval Process
VA short sales require an additional approval layer: after your lender agrees to the short sale, the VA Regional Loan Center must also approve. This adds 2–4 weeks to the timeline but is a routine process when handled by an agent with VA experience. The VA is generally cooperative when PCS orders are the documented hardship.
VA Entitlement Considerations
Your VA loan entitlement - which determines your ability to use your VA benefit for a future home purchase - may be affected by a short sale. The amount depends on whether the VA had to cover any of the loan shortfall. In many cases, the VA waives this for service members who acted in good faith. A VA-experienced agent can advise you specifically.
Maryland Military Communities We Serve
Fort Meade / NSA
Anne Arundel County
Joint Base Andrews
Prince George's County
Naval Support Annapolis
Anne Arundel County
Aberdeen Proving Ground
Harford County
Pentagon Commuter
PG / Montgomery Counties
NAS Patuxent River
St. Mary's County
DISA Headquarters
Prince George's County
Walter Reed (Bethesda)
Montgomery County
Important: Know Your SCRA Rights
The Servicemembers Civil Relief Act (SCRA) provides important protections for active duty service members, including potential interest rate reductions and foreclosure protections. These protections exist separately from the short sale process.
Before pursuing a short sale, confirm whether SCRA protections apply to your situation. In some cases, SCRA foreclosure protections may give you additional time. A VA-experienced short sale specialist can help you understand how SCRA interacts with your options.
Military Short Sale FAQ
Can I do a short sale if I have a VA loan and received PCS orders?
Yes. VA loans have a specific short sale program called the VA Compromise Sale. Military PCS orders are a qualifying hardship. The VA must approve the sale in addition to your lender, which adds some time but is well-established. Contact a short sale specialist with VA experience as soon as you receive PCS orders.
Will a short sale affect my VA loan entitlement?
A VA short sale may reduce your available VA loan entitlement until the VA's guaranteed amount is repaid. In many cases, the VA waives this for service members who acted in good faith. A VA-experienced agent can advise on your specific situation.
I'm deployed. Can my spouse or a power of attorney handle the short sale?
Yes. With a proper Power of Attorney, your spouse or designated representative can sign documents and manage the short sale process on your behalf. This is common in military short sales. We work with POA holders regularly.
My PCS reporting date is in 60 days. Is there enough time for a short sale?
Sixty days is tight but not impossible, particularly for a cash buyer. More commonly, the short sale process continues after you PCS. You can leave the property, and the agent manages the sale remotely. Lenders understand PCS timelines. The goal is approval - not necessarily closing - before you depart.
Serving Those Who Serve Maryland
VA loan and PCS short sale specialists. Free consultation. Priority response for active duty.