Season 2 is live—with video, cross-branch interviews, and a sharper focus on the money moves that matter for service members heading into 2026 PCS season. Ted explains why home prices are likely to stay firm—or rise—given chronic under-building and labor/material constraints, and why small year-to-year forecasts (+1% / −1%) don’t move your monthly payment much. The bigger levers? Supply/demand, your fixed mortgage, and your rising BAH.
You’ll also get a clear breakdown of mortgage rates: they track the 10-year Treasury, not the Fed’s overnight rate. So even if the Fed trims rates, don’t expect 30-year mortgages to drop point-for-point. Ted connects the dots from deficits and debt issuance to Treasury yields—and why that matters for your payment.
Financing tactics: VA vs. FHA vs. conventional are often within ~0.25% on rate; choose based on down payment, fees, and flexibility (VA is typically the most accessible for zero-down).
PCS game plan:
- Shop early (Feb–Mar) using PTAD/house-hunting leave to avoid the summer bidding crush.
- Use extended closes or a lease-back so sellers get cash now and you take possession on your schedule.
- Cap a monthly payment, not a “max price,” and avoid overbuying.
Plus a quick season update: why we added video (to show the numbers), and what Ted’s been building—flips, BRRRR projects, and a pending mobile-home park acquisition—alongside a full rewrite of the Service and Wealth book to make it simpler and more actionable.
Keywords: military finance, PCS, VA loan, FHA, TSP, BAH, mortgage rates, 10-year Treasury, housing supply, BRRRR, real estate, wealth building, Service and Wealth.
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