Military Realtor in Washington DC, Northern Virginia & Maryland

Military Real Estate & PCS Relocation

A Full-Time Military Realtor® Who Understands Military Life

I’m Diana Tommingo , a full-time Military Realtor® specializing in military relocation, PCS moves, VA loans, VA loan assumptions, and military home sales throughout Washington, D.C., Northern Virginia, and Maryland. I work with active-duty service members, veterans, and civilian buyers and sellers. From your initial consultation through settlement, I provide personalized guidance tailored to your assignment, timeline, housing needs, and financial goals.

A Personal Connection to Military Life

Military Service Is Personal to Me

My husband, Elliot Tommingo, is a retired U.S. Marine Corps Major who served as Director of the DC Mayor’s Office of Veterans Affairs from 2019 to 2023. Having experienced military life firsthand, I understand how changing orders, demanding PCS timelines, BAH, VA benefits, and family priorities influence housing decisions. That perspective shapes how I guide military families through buying, selling, and relocating—with an appreciation for the service member’s mission and the needs of the entire family.

Military Relocation Throughout the DMV

As a full-time Military Realtor®, I work with buyers and sellers throughout Washington, D.C., Northern Virginia, and Maryland, helping them buy and sell homes near the military installations listed below.

Benefits for Military & Veterans

Military Real Estate Savings: Credits & Discounts

Whether you’re buying or selling, real estate costs matter. My buyer credit and reduced listing fee offer ways to save while receiving personalized real estate guidance.

For Home Buyers

0.5% Buyer Credit

Receive a credit equal to 0.5% of the purchase price at settlement, subject to lender approval. Eligible funds may be applied toward permitted closing costs, prepaid expenses, or a rate buydown.

Example Buyer Credit

Purchase Price Your Buyer Credit
$500,000 $2,500
$700,000 $3,500
$900,000 $4,500

Credit amounts are illustrative and depend on the final purchase price and lender approval.

For Home Sellers

2% Listing Fee

Receive full-service listing representation with a 2% listing fee plus a $395 broker fee. Why pay a traditional 3% listing fee when you can receive full-service representation for just 2% plus a $395 broker fee? Compare the difference below.

Listing Fee Comparison

Sale Price 3% Fee 2% Fee
$500,000 $15,000 $10,000
$700,000 $21,000 $14,000
$900,000 $27,000 $18,000

Figures compare the listing-fee percentages only. The 2% listing fee is subject to the additional $395 broker fee.

VA Financing & Assumptions

VA Loan & VA Assumption Expertise

Whether you're buying a home with a VA loan, looking for an assumable mortgage, or selling a home with an existing VA loan, I help you understand your options and navigate the process from offer to settlement.

01

Buying a Home with a VA Loan

Eligible active-duty service members, veterans, and surviving spouses may be able to use a VA loan to purchase a primary residence, subject to VA eligibility and lender requirements.

Explore My VA Loan Center →
  • 0% Down Payment: Eligible buyers may be able to purchase a home with no down payment.
  • No PMI: VA loans do not require private mortgage insurance (PMI).
  • Low Interest Rates: VA loans offer competitive interest rates.
  • Eligible Properties: VA loans can be used for eligible single-family homes, townhomes, and condominiums.
  • VA Funding Fee: The funding fee applies to most VA loans. Disabled veterans and certain surviving spouses and Purple Heart recipients may qualify for an exemption.
  • VA Appraisal: The home must meet VA requirements and pass a VA appraisal to confirm that it is safe and worth the purchase price.
02

Buying a Home with a VA Loan Assumption

A VA loan assumption allows you to take over a seller's existing VA mortgage, keeping the seller's existing interest rate and loan terms. The buyer does not have to be a Veteran, but a Veteran buyer may be able to use a Substitution of Entitlement to help restore the seller's VA entitlement.

Key consideration: Buyers should evaluate the remaining loan balance and the cash needed to cover the difference between the purchase price and the assumed mortgage.
  • How It Works: The buyer assumes the seller's existing VA loan balance and retains the original loan terms, including the existing interest rate and payment schedule.
  • Managing the Equity Gap: Buyers must cover the equity gap using cash—the difference between the agreed purchase price and the remaining balance on the seller’s mortgage.
  • Guidance Through the Assumption Process: I assist buyers in identifying homes with assumable VA mortgages, evaluating equity gaps, and coordinating the transaction through the loan-servicer approval process.
03

Sell Your Home Using a VA Loan Assumption

If your home has an existing low-interest VA mortgage, a VA loan assumption can be an attractive selling point for qualified buyers.

I can highlight the assumable loan and its potential interest-rate advantage in your marketing to attract buyers who may benefit from assuming your existing VA loan, subject to lender approval and VA requirements.

Military Relocation

Frequently Asked Questions

Can I use the 0.5% buyer credit with a VA loan?

Yes. The 0.5% military credit can be applied directly toward your lender-approved closing costs, prepaids, or interest rate buy-downs at settlement.

How does selling a home with an assumable VA loan work in DC, MD, or VA?

If you have an existing VA mortgage with a low interest rate, a qualified buyer can assume your current interest rate and remaining balance. I highlight the assumable loan and its potential interest-rate advantage in the marketing to attract buyers who may benefit from assuming the existing VA loan, subject to lender approval and VA requirements.

Do you assist with PCS moves prior to arriving in the DMV area?

Yes. I conduct virtual video walkthroughs, detailed neighborhood previews, and remote contract negotiations so you can secure housing before arriving on station.

What areas do you serve for military relocation?

I assist military buyers, sellers, and families throughout Washington, D.C., Northern Virginia, and Maryland, including communities near major military installations. I may also assist with relocations to installations outside my primary service areas, depending on my availability. If your duty station isn't listed on my website, please contact me to discuss your relocation needs.

Can a non-veteran assume a VA loan?

Yes. A buyer does not have to be a veteran to assume an existing VA loan. However, the buyer must meet the loan servicer's qualification requirements and receive approval. If the buyer is not an eligible veteran who substitutes their VA entitlement, the seller's entitlement may remain tied to the loan until it is paid off.

Recognized for Excellence

Experience in High-Profile Washington, D.C. Real Estate

My real estate experience includes involvement in the high-profile sale of former Vice President Kamala Harris's Washington, D.C. condominium at The Westlight. The transaction was featured in Washingtonian in October 2021, where I was identified by my former professional name, Diana Flores.

I bring the same professionalism, discretion, and attention to detail to every transaction, from high-profile Washington properties to military relocations throughout the D.C. metropolitan area.

Featured in Washingtonian · October 2021

Read the Washingtonian Feature →

What My Clients Are Saying

Personalized Real Estate Guidance

Schedule Your Consultation

Whether you're preparing for a PCS move, buying with a VA loan, exploring a VA loan assumption, or planning to sell your home, let's discuss your goals and develop a strategy that fits your needs.

Schedule Your Consultation

Prefer to reach out directly? 571-230-9686  |  Diana@BestHomesByDiana.com