How VA Loans Make Moving to Cheyenne Easier for Veterans

By JP Fluellen

JP became a licensed real estate agent in 2010 after being a real estate investor for 2 years. He’s been a top real estate agent at Coldwell Banker The Property Exchange and has recently started the Titan Real Estate Team at eXp Realty.

Are you receiving a Permanent Change of Station (PCS) order to Cheyenne? If you’re a veteran or active-duty service member, you’re moving to one of the most military-friendly cities in the country. Cheyenne offers open skies, affordable housing, and a community that understands military life. Knowing how to use your VA home loan can help you move confidently, save money, and find the right home for your family.

Why is Cheyenne great for military families? Cheyenne, Wyoming, is home to F.E. Warren Air Force Base, one of the oldest active military installations in the United States. The area has a strong military presence and a supportive community that welcomes service members and their families.

Wyoming has no state income tax, so you keep more of your income each month. The cost of living is affordable, and homes here tend to hold their value, which is important for those who may move again later. Families enjoy short commute times, excellent schools, and plenty of outdoor activities. You can drive across town in about 15 minutes, which makes life simple and convenient.

Understanding the VA loan basics. A VA loan is a benefit available to eligible veterans, active-duty service members, and some surviving spouses. The biggest advantage is that it allows you to buy a home with no down payment. The U.S. Department of Veterans Affairs guarantees a portion of the loan, giving lenders confidence to offer better terms and rates.

There is a VA funding fee, which helps keep the program self-sustaining. This fee is added to your total loan amount, so you don’t need to pay it up front. While there are still closing costs such as appraisal and title fees, sellers can often pay some or all of those expenses as part of the purchase agreement. This means you may be able to move into your new home with minimal upfront costs.

Flexibility and credit considerations. VA loans are known for being flexible when it comes to credit and debt. Even if your credit history isn’t perfect, you may still qualify. In some cases, seller concessions can be used to help with closing costs or small debt payoffs. VA loans also come with competitive interest rates and don’t require private mortgage insurance, which helps lower monthly payments.

Using your VA loan more than once. Many buyers think VA loans are only for first-time homebuyers, but that’s not the case. You can use your VA loan benefit multiple times throughout your life. If you still have remaining entitlement, you can even have two VA loans at the same time. This can be helpful if you’re selling one home while buying another and need a temporary overlap.

Relocating to Cheyenne. When you receive PCS orders, it’s best to start planning early. You can begin your home search before arriving in Cheyenne by taking virtual tours, reviewing property disclosures, and working with a local agent. With modern technology, it’s even possible to close on your new home remotely before you move.

You can also time your closing date with your housing allowance to avoid paying for two homes at once. If you need short-term lodging, there are temporary housing options near F.E. Warren Air Force Base, especially if you’re waiting for new construction or a permanent home to be ready.

The importance of local VA experience. Each real estate market has its own rules and conditions. Working with a local lender and real estate agent who understands VA loans in Wyoming can save you time and frustration. They can help you navigate local appraisal standards, inspection requirements, and contract terms that might differ from those in other states. Local professionals can also help you make a stronger offer while keeping your purchase in line with VA guidelines. Their experience ensures your transaction stays smooth and compliant.

Get pre-approved early. One of the best things you can do before moving is get pre-approved for your VA loan. This step shows what you can afford and gives you a clearer idea of your budget. It also helps when making an offer on a home since sellers take pre-approved buyers more seriously. Remember that a VA appraisal is not the same as a home inspection. The VA appraisal confirms the property meets minimum safety and condition standards, but an inspection looks deeper into the home’s condition. Having both gives you a full picture before you buy.

Cheyenne is a great place for service members and their families to settle. Understanding your VA loan, planning ahead, and working with local professionals will make your move easier and more affordable. Review your loan terms, closing costs, and eligibility before you relocate to ensure a smooth transition. If you have questions about using your VA loan in Cheyenne, call or text me at 307-772-1184 or email jp@titanreteam.com.