Military PCS Orders Mid-Loan: Do This Now

October 12, 2026

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David Ghazaryan

Owner / Broker / Banker

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TL;DR

Notify Your Team Immediately: If you receive Permanent Change of Station (PCS) orders while under contract for a home, inform your lender and real estate agent without delay to prevent closing issues.
Use a Special Power of Attorney (SPOA): Your lender will provide a specific SPOA document, which is necessary for your spouse to legally sign closing documents in your absence.
Fulfill Occupancy Requirements: For VA loan compliance, your spouse living in the new home satisfies the occupancy requirement if you are away on active duty.

Read the full blog article here: https://www.iqratemortgages.com/blog/pcs-orders-in-killeen-mid-loan-what-to-do-now

Video Transcript:

Your military orders arrived, but your home loan isn't safe. I'm David Ghazaryan, and I direct the lender's next move. We use a special paper so your spouse can sign. Your spouse closes the deal, even if you are away. Your job is steady, so the final loan is safe. My complete analysis is on platforms linked in the description.

Read Blog Here: https://www.iqratemortgages.com/blog/pcs-orders-in-killeen-mid-loan-what-to-do-now

David Ghazaryan

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