VA Loans near Joint Base McGuire-Dix-Lakehurst

About the joint base

Joint Base McGuire-Dix-Lakehurst was formed in 2009 when McGuire Air Force Base, Fort Dix and Naval Air Engineering Station Lakehurst were combined into one installation. It stretches across parts of Burlington and Ocean counties, so families stationed there buy homes in both counties and commute in through several gates.

Towns around the base

In Burlington County the closest communities are Wrightstown, New Hanover, North Hanover, Pemberton Township (including Browns Mills) and Springfield. Many families also look a bit farther out in Mount Holly, Lumberton, Bordentown, Medford and Mount Laurel. On the Ocean County side, Plumsted, Manchester, Lakehurst and Jackson are nearby. Much of the land around the base is rural or in the Pinelands, so wells, septic systems and larger lots are common.

Don't see your town? I help borrowers in every town across New Jersey, Pennsylvania, and Florida — just ask or call/text (609) 665-3460.

PCS timing and pre-approval

If you have orders to JB MDL, we can start before you arrive. I can request your Certificate of Eligibility (COE), review your Leave and Earnings Statement, and get you pre-approved so you can tour homes on a house-hunting trip and make an offer with confidence. VA requires that you intend to live in the home as your primary residence, and a spouse can often satisfy occupancy if you are deployed.

What a VA loan offers

A VA loan is backed by the U.S. Department of Veterans Affairs. It has no monthly mortgage insurance, flexible credit guidelines set by each lender, and limits on certain closing costs a veteran can be charged. Eligible veterans with full entitlement are not subject to VA county loan limits, though lenders set their own maximums. Most borrowers pay a one-time VA funding fee, and some veterans are exempt.

Appraisal and property items near the base

VA appraisals check the home against VA minimum property requirements, such as safe heating, a sound roof and no peeling paint on older homes. Rural properties may need well water testing and a septic inspection. Much of this area is in the Pinelands, regulated by the New Jersey Pinelands Commission, and some addresses may qualify for a USDA loan as well; check the USDA eligibility map for a specific address.

Tough credit or a past setback?

A past credit problem does not automatically rule out a VA loan. Each lender sets its own overlays above VA rules, and as a broker I can compare several lenders for a second look at your credit history. All loans are subject to credit approval.

Sources: VA Home Loans (benefits.va.gov) · Joint Base McGuire-Dix-Lakehurst (Wikipedia)

Loans by Hutch and NEXA Mortgage, LLC dba NEXA Lending are not affiliated with or endorsed by the U.S. Department of Veterans Affairs, HUD/FHA, the Department of Defense, Joint Base McGuire-Dix-Lakehurst, or any government agency. All loans subject to credit approval, property eligibility and lender guidelines.

David J. Hutchison II, NMLS #63021 · NEXA Mortgage, LLC dba NEXA Lending, Company NMLS #1660690 · Equal Housing Opportunity

Related: Buying with a VA loan after a PCS to JB MDL · VA with no down payment in NJ · Local mortgage broker in NJ