VA Benefit Resource · 2026
Everything Veterans Ask Raider Realty Group About VA Loans
The funding fee, entitlement, the COE, and BAH, answered with official 2026 rates and simple calculators. Answers reviewed by retired Marine Marc Arrington.
Looking for an agent first? Tell us your duty station and when you report, and we will point you at someone who has closed for military buyers in that market. Find an agent.
What your BAH covers
Official 2026 rates. Pick your grade and see the home price your housing allowance supports.
Your 2026 BAH at Camp Lejeune
$1,584/mo
up $24 from 2025
Estimated purchase power
~$215,000
with $0 down, 30-yr fixed, after $106/mo property tax at the 0.59% Onslow County rate, and ~$110/mo insurance
See what you qualify for2026 BAH rates published by the Defense Travel Management Office, effective January 1, 2026. O-8 and above shown at the O-7 rate. Estimate only. Not a loan offer, rate quote, or commitment to lend. Property tax is charged at 0.59% of the price, the effective rate in Onslow County, NC (median taxes actually paid, Census ACS 2024 1-year, against the typical local home value), rather than a flat percentage of your allowance. Homeowners insurance is an assumption at $110 a month and varies widely, especially near the coast, and flood insurance is separate again. Your qualifying amount depends on credit, income, debts, and market conditions. Excludes any VA funding fee.
Loan programs
Other ways Marc can structure a purchase
Programs offered through RWM Home Loans. Terms and eligibility are shown in each one. Ask Marc which fits your situation.
No. 01
The VA Loan in Plain Terms
The VA home loan lets eligible veterans and service members buy a primary residence with no down payment and no monthly mortgage insurance. That keeps your monthly cost lower and your cash free. Raider Realty Group walks you through what you qualify for in plain language.
No. 02
BAH and Qualifying Income
For active-duty buyers, Basic Allowance for Housing counts as qualifying income on a VA loan. That often means you can replace rent with a mortgage at a similar monthly cost while building equity. Marc factors your BAH into your budget so the numbers are realistic from the start.
No. 03
Your Certificate of Eligibility
The Certificate of Eligibility (COE) confirms you have the service record to use the VA benefit. In most cases Marc can obtain it for you using your service details, so you can focus on finding a home instead of chasing paperwork through the VA.
One VA-loan team for the whole military community
Marine Corps
VA loans for active and retired Marines
Navy & Coast Guard
Sea-service VA financing
Army
Soldier and veteran home loans
Air Force
Airmen VA benefit purchases & refis
Space Force
VA home loans for Guardians
Special Operations
MARSOC, SEAL, NSW & SOF community
PCS & Relocation
Buying on orders, on a timeline
Common questions
Straight answers on the VA benefit. Still have a question? Call Marc directly.
- Q.What does Raider Realty Group do?
- It is the central hub for Marc Arrington's veteran lending work. The focus is helping veterans and active-duty service members use the VA loan to buy a home with confidence.
- Q.Can I use a VA loan for a condo or multi-unit home?
- Yes, with conditions. Condos must be on the VA-approved list, and you can buy a multi-unit property if you live in one unit. Marc checks the property type early so there are no surprises.
- Q.Is the VA loan only for first-time buyers?
- No. There is no first-time buyer requirement. As long as you have entitlement available, you can use or reuse the VA loan, and Marc will calculate exactly what you have left.
- Q.How much down payment do I need for a VA loan?
- Most eligible buyers put $0 down. The VA loan is one of the only programs that finances 100% of a primary residence for qualified veterans and service members.
What clients say
“Marc was very understanding of our situation, needs, and wants. He made the process very streamlined and comprehensible to a first-time homeowner!”
“Marc and his team had a high level of responsibility and coordination during my loan, and their guidance was so clear it made the process simple. Thank you, Marc, for an extraordinary job.”
“From the beginning, Marc and his team gave me transparent and professional feedback on the entire process. My wife and I knew we were in great hands to secure the best home loan available. Marc is the best!”
Why work with Marc Arrington
Raider Realty Group is Marc Arrington's hub for veteran home buyers who want financing handled by someone who has worn the uniform. Marc is a retired Marine and branch manager at RWM Home Loans (NMLS# 2114896). The group exists to make the VA loan straightforward: clear answers, fast pre-approvals, and a person you can actually reach. No call center, no script, just a fellow veteran working your file.
Marc Arrington
MSgt. USMC Ret. · NMLS# 2114896
Originally from Pascagoula, Mississippi, I was raised with strong values rooted in family, service, and respect for our nation. In 2004, I followed a lifelong passion by joining the United States Marine Corps, where I served as a Marine Special Operations Element leader with deployments to Iraq, Afghanistan, Thailand, and Korea. My military experience instilled in me the importance of trust, discipline, and making every moment count. While serving, I continued pursuing my education, earning an undergraduate degree from the University of Mississippi and a master's degree through the Joint Special Operations Master of Arts program.
Official sources
Talk to Marc when you are ready
No pressure and no obligation. Call, text, book a time, or send a note and Marc will reach out.
Marc Arrington
MSgt. USMC Ret. | Branch Manager
RWM Home Loans · NMLS# 2114896
Have Marc reach out