VA loan basics for your PCS
Zero down payment for eligible service members.
No private mortgage insurance — your VA entitlement does the work.
Funding fee can be rolled into the loan or waived for disability ratings.
Most New Mexico lenders close VA loans inside 30 days when documents are ready.
VA loan eligibility and fees verified by your lender at pre-approval.
BAH-calibrated affordability
Look up your BAH and see what it buys in today's market.
We don't have that zip mapped yet
Try a major Albuquerque-area zip (87106, 87108, 87117, 87123) while we finalize nationwide coverage.
On-base or off-base?
On base
On-base — Kirtland Family Housing
Hunt Military Communities manages 998 homes across nine neighborhoods on KAFB. Waitlists vary by rank and bedroom count — apply early.
Off base
Off-base — popular PCS commuter zips
UNM / Nob Hill · 87106
10–15 min commute. Walkable, younger families, mid-range housing.
Mid-Heights / Eastdale · 87108
12–18 min commute. Mid-range housing, established neighborhoods.
KAFB / on-base adjacent · 87117
Closest off-base zip. Mix of older homes and rentals.
Four Hills / East Mountains · 87123
20–30 min commute. Larger lots, mountain views.
Get the full relocation plan.
Approximate move date helps us send the right resources at the right time.
SandiaFlow is not affiliated with the Department of Defense, Department of the Air Force, or Kirtland Air Force Base. All BAH and VA loan information is provided as general guidance and should be verified with your housing office and lender.