Military Realtor in Washington DC, Northern Virginia & Maryland

Experience That Understands Military Life

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.

As a military spouse, I understand that a PCS move is different from a typical relocation. Orders can change, timelines can be short, and your assignment, commute, BAH, VA benefits, and family needs all influence your housing decisions.

I work with active-duty service members, veterans, military spouses and families, as well as civilian buyers and sellers. From your initial consultation through settlement, my goal is to help you make informed decisions and navigate your move with confidence.

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. Compare the listing-fee savings below against a 3% listing fee. Actual brokerage fees vary.

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.

Military Relocation Throughout the DMV

I help active-duty service members, military families, veterans, and DOD civilians find homes near major military installations throughout Washington, D.C., Northern Virginia, and Maryland, with a focus on housing options that fit their assignment, commute, and relocation needs.

Washington, DC

Military Assignments in the District

Homes within commuting distance of major military installations throughout Washington, DC.

Explore Military Installations
Joint Base Anacostia-Bolling (JBAB) Washington Navy Yard Fort McNair Marine Barracks Washington U.S. Coast Guard HQ
Northern Virginia

Military Assignments Across NoVA

Residential options near major installations and federal workplaces throughout Northern Virginia.

Explore Military Installations
Pentagon Fort Belvoir Joint Base Myer-Henderson Hall Arlington Hall National Reconnaissance Office (NRO) Mark Center
Maryland

Military Assignments Across Maryland

Home-buying guidance for military families relocating to the Maryland side of the DMV.

Explore Military Installations
Joint Base Andrews Walter Reed National Military Medical Center NSF Indian Head

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

VA Loans

Buy with eligible VA financing

0% down · No PMI · Primary residence

02

VA Loan Assumptions

Take over an existing VA mortgage

Existing interest rate · Cash equity gap · Servicer approval

03

Selling with a VA Assumption

Turn an assumable loan into a selling advantage

Highlight the existing rate and financing opportunity to qualified buyers

1) 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.

  • 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.

2) 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.

3) 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 for Military Relocations

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.

Explore My Military Real Estate Services

01 Military Credits & Cashback → Buyer credits for military, first responders, educators & more. 02 Military Home Buying → VA loans, PCS moves & local home-buying guidance. 03 Military Home Selling → Strategic marketing for military homeowners.

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