Dayton Military Realtors

Veteran-Owned & Operated

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Our team of Dayton military Realtors specializes in seamless PCS moves and VA home-buying throughout Dayton and surrounding communities.

Dayton Veteran & Military-Spouse Realtors
Military Homebuyer Specialists
Military Home Selling Experts
Trusted VA Loan Officers

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VA ASSUMABLE

Military-Owned Agent-Listed

1 / 10

For Sale

$429,000

196 Cambria Dr

Beavercreek, OH

Nearby BaseWPAFB

Home at 821 Wicklow Rd, Baltimore, MD 21229

VA ASSUMABLE7.14%

Veteran-Owned Agent-Listed

1 / 10

For Sale

$240,000

821 Wicklow Rd

Baltimore, MD 21229

Nearby BaseFort George G. Meade. Another closer, though smaller, military installation is the Coast Guard Yard in Curtis Bay, which is about 9 miles away.

Home at 425 Oswego Court, Greenville, SC 29607

VA ASSUMABLE5.63%

Military-Owned Agent-Listed

1 / 12

For Sale

$685,000

425 Oswego Court

Greenville, SC 29607

Open marketplace slot

Your PCS listing could be next

Promote a sale, rental, or VA assumable opportunity to military families planning their next move.

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Local Military Real Estate Experts

Meet Our Dayton Military Realtors

Helping military families PCS to Dayton with trusted local real estate guidance.

Greta Costa

Realtor ☆ USAF Retired

Ohio: Wright-Patterson AFB (WPAFB), Dayton, & surrounding areas Bio:

Dayton Military Realtor Greta Costa is a trusted Dayton Military Realtor and proud U.S. Air... More...

PCS JOES Verified Local Expert

About Greta

Greta Costa is a trusted Dayton veteran Realtor and retired U.S. Air Force veteran helping homebuyers, sellers, service members, and military families throughout the greater Dayton area and near Wright-Patterson AFB. With 26 years of military service and experience in leadership, analysis, training, law enforcement, and mediation, Greta brings calm decision-making, careful attention to detail, and strong advocacy to every transaction. She helps buyers compare communities, navigate PCS timelines, evaluate homes, and negotiate with confidence, including those using VA financing.

For sellers, Greta provides strategic pricing, thoughtful property preparation, and focused representation designed to attract qualified buyers and protect equity. Her background in negotiation, problem-solving, and high-stakes decision-making allows her to manage complex transactions with clarity and steady communication from consultation through closing. Whether helping a military family relocate, restoring the character of an older home, or preparing a property for market, Greta’s mission is simple: help her clients succeed.

Vetted PCS JOES Partner

Local Wright-Patterson AFB Expert

Military Community Focused

Communities Greta Serves Near Wright-Patterson AFB

Beavercreek

Bellbrook

Centerville

Dayton

Fairborn

Huber Heights

Kettering

Riverside

Springfield

Xenia

Military Bases Greta Serves Near Wright-Patterson AFB

Wright-Patterson AFB

WPAFB

Don't see your area? This agent serves additional communities beyond those listed. Reach out directly to confirm coverage and get expert local guidance.

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Sarah Klosterman

Realtor ☆ Military-Spouse

Ohio: Wright-Patterson AFB and surrounding communities Bio:

Dayton Veteran Realtor Sarah Klosterman is passionate about helping people navigate one of life’s biggest... More...

PCS JOES Verified Local Expert

About Sarah

Sarah Klosterman is a trusted Dayton military Realtor helping homebuyers, sellers, veterans, and active-duty families throughout the greater Dayton area and near Wright-Patterson AFB. As the wife of a veteran with firsthand relocation experience, Sarah understands the pressure of PCS timelines, unfamiliar communities, remote home searches, and fast-moving decisions. She helps buyers compare neighborhoods, evaluate homes, negotiate confidently, and move forward with clear expectations and steady communication.

For homeowners preparing to sell, Sarah provides thoughtful pricing guidance, practical preparation advice, and attentive representation designed to keep the process organized and protect her clients’ interests. Her personable approach, responsiveness, and attention to detail make her a strong advocate for first-time buyers, growing families, military households, and local sellers alike. With Sarah, clients gain a dependable guide who treats every move as more than a transaction—it is the start of their next chapter.

Vetted PCS JOES Partner

Local Wright-Patterson AFB (WPAFB) Expert

Military Community Focused

Communities Sarah Serves Near Wright-Patterson AFB (WPAFB)

Beavercreek

Bellbrook

Centerville

Dayton

Fairborn

Huber Heights

Kettering

Riverside

Springfield

Xenia

Military Bases Sarah Serves Near Wright-Patterson AFB (WPAFB)

Wright-Patterson AFB (WPAFB)

Don't see your area? This agent serves additional communities beyond those listed. Reach out directly to confirm coverage and get expert local guidance.

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Why Heroes Prefer Our Dayton Military Realtors

We connect you with veteran and military-spouse Realtors who understand PCS life, VA loans, and what matters most to your family.

Veteran & Mil-Spouse Realtors

Work with professionals who understand military timelines, transitions, and family priorities.
VA Home Loan Experience

Navigate VA financing, appraisals, and property requirements with informed local guidance.
Local Area Knowledge

Compare communities, schools, and commute options throughout Dayton.
Exclusive Heroes Bonus*

Receive up to 10% of your Realtor’s commission toward eligible closing costs. Restrictions apply.
Free Marketing Analysis

Review Dayton pricing, market competition, and sale readiness before listing your home.
Military Homebuyer Support

Plan tours, offers, inspections, and closing around orders and reporting dates.
Remote PCS Support

Tour homes virtually and coordinate your Dayton move before you arrive.
Military Home Selling Experts

Prepare, price, and market your home around PCS orders and military timelines.

How PCS JOES Supports Your Dayton Move

Whether you are buying before arrival, selling around PCS orders, or comparing commute options near Dayton, PCS JOES helps connect you with a vetted local Realtor who understands military moves. Your Realtor can coordinate virtual tours, explain neighborhood and school considerations, help you prepare for VA financing, and keep the transaction aligned with your reporting timeline.

Connect With a Dayton Veteran Realtor

Nationwide VA Loan Support

Meet Our VA Loan Officers Serving Dayton

Get expert guidance on VA loan preapproval, eligibility requirements, VA mortgage rates, and financing options tailored to your homebuying goals.

Matt Elliott

VA Loan Officer

Ohio VA Home Loan Lender Bio:

Matt Elliott is a Marine Corps veteran and Veteran Mortgage Loan Originator with the Veteran... More...

Local Ohio VA Home Loan Support

VA Loan Guidance for Dayton

Matt Elliott is a Marine Corps combat veteran and trusted VA Home Loan Lender who helps service members, veterans, and military families nationwide navigate the VA home loan process with clarity and confidence. For homebuyers moving to Dayton, Ohio, Matt provides guidance on VA preapproval, eligible financing costs, and preparing a competitive offer for the local market. Support is available for PCS homebuyers moving near Wright-Patterson AFB.

Ohio VA Home Loan Guidance

VA Preapproval Support

Military and Veteran Homebuyer Focused

VA Loan Support Near Dayton Military Bases

Wright-Patterson AFB

Contact Matt to discuss VA loan options for your move to Dayton, Ohio.

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Bryant Mateus

VA Loan Officer

Ohio VA Home Loan Lender Bio:

Bryant Mateus is a United States Air Force Academy graduate, Air Force Reserve Major, and... More...

Local Ohio VA Home Loan Support

VA Loan Guidance for Dayton

Bryant Mateus is a United States Air Force Academy graduate, Air Force Reserve Major, and experienced VA Home Loan Lender dedicated to helping veterans, active-duty service members, and military families navigate the VA loan process with confidence. For homebuyers moving to Dayton, Ohio, Bryant provides guidance on VA preapproval, eligible financing costs, and preparing a competitive offer for the local market. Support is available for PCS homebuyers moving near Wright-Patterson AFB.

Ohio VA Home Loan Guidance

VA Preapproval Support

Military and Veteran Homebuyer Focused

VA Loan Support Near Dayton Military Bases

Wright-Patterson AFB

Contact Bryant to discuss VA loan options for your move to Dayton, Ohio.

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Ready For Your Next Move?

PCSing to Dayton? We've Got Your Six.

Connect with a vetted Dayton veteran Realtor who knows the local market.

GET MATCHED WITH A DAYTON VETERAN REALTOR Browse Homes

Live Near Dayton Bases

Popular Communities with Wright-Patterson AFB Military Families

From neighborhoods close to base to surrounding communities across the Dayton area, military families have several options when PCSing to Wright-Patterson AFB. Our local Dayton military realtors can help you compare commute times, lifestyle, and housing options before your next move.

Central to the Dayton military community

Dayton

Dayton offers a broad mix of historic neighborhoods, newer housing, city amenities, and regional employment. Military buyers can compare commute routes to Wright-Patterson AFB alongside schools, taxes, and the style of home that fits their PCS plans.

Beside Wright-Patterson AFB

Fairborn

Fairborn sits next to Wright-Patterson AFB and is a frequent starting point for military families who value a practical base commute. Buyers can compare established neighborhoods, newer options, local services, and access to the installation.

Convenient to Wright-Patterson AFB

Beavercreek

Beavercreek places military households near Wright-Patterson AFB, shopping, parks, and major east-side routes. Home choices range from established neighborhoods to newer communities, so families can compare total commute and lifestyle needs.

Wright-Patterson AFB near Dayton Ohio for military families relocating to WPAFB

On Wright-Patterson AFB

Wright-Patterson AFB On-Base Housing

On-base housing can simplify access to Wright-Patterson AFB services and reduce the daily commute. Eligibility, waitlists, availability, pet rules, and assignment procedures should always be confirmed directly with the installation housing office.

Northwest of Wright-Patterson AFB

Huber Heights

Huber Heights provides established residential areas and access to I-70 and regional services. Military families should compare the route to their assigned Wright-Patterson AFB work center with housing cost, school boundaries, and neighborhood preferences.

South of Wright-Patterson AFB

Centerville

Centerville is a south Dayton suburb with established neighborhoods, parks, retail, and access to regional highways. It can suit families who prioritize south-metro amenities and are comfortable evaluating the longer drive to Wright-Patterson AFB.

Southeast of Wright-Patterson AFB

Xenia

Xenia offers small-city neighborhoods and access to outdoor recreation southeast of Dayton. Military buyers can weigh space, home value, school boundaries, and the route to Wright-Patterson AFB before choosing an address.

Southwest of Wright-Patterson AFB

Kettering

Kettering offers established neighborhoods, parks, healthcare, shopping, and access to central Dayton. It is an option for military families who want south-metro conveniences while planning a reliable commute to Wright-Patterson AFB.

Local PCS Planning

Resources For Your PCS to Dayton

Explore trusted VA loan, PCS move, and military homeownership resources for service members, veterans, and military families.

VA LOAN GUIDANCE

VA Home Loan Education

VA loan education covering eligibility to closing, and every step in between. Get started now.

Learn More

Military family meeting with a VA loan expert to review homebuying options and VA home loan benefits

FREE DOWNLOAD

Military Homebuyer Guide

A step-by-step VA loan and PCS home buying guide designed for active-duty service members and veterans.

Learn More

MILITARY ONESOURCE

PCS Move Checklist

Plan your next PCS with military moving resources, relocation checklists, and Military OneSource planning tools.

Learn More

Real PCS JOES Experiences

Trusted By Military Families Nationwide

★★★★★

We could not be more satisfied with our experience working with Kyle! From our very first interaction...If you're looking for someone who provides expert guidance, timely responses, and gets it right every single time, Kyle is your guy. He made what could have been a stressful process feel smooth and confident. Highly recommend!

★★★★★

I bought a home near Nellis AFB. I used Matt Elliott Mortgage Loan Originator, a Marine Veteran as my Lender, and Air force Veteran Jonny Cosca as my realtor. They made the process quick, simple. and easy. Jonny and Matt are an outstanding team and I highly recommend using them to help purchase a home near Nellis and Creech AFB!!

★★★★★

I worked with Mortgage Loan Originator and Marine Veteran Matt Elliott for a year before I PCS’ed to Fort Hood...bought a home and the process was made easy! I highly recommend Mortgage Matt Elliott and PCS JOES for all your PCS home buying needs.

Questions Before Your Move

FREQUENTLY ASKED QUESTIONS

Every PCS JOES realtor goes through a strict vetting process before being accepted into our network. All agents are prior-service veterans or military spouses and must demonstrate proven experience working with military families, PCS timelines, and VA home loans. We also evaluate their local market expertise, communication standards, and track record of ethical, client-first service. This ensures every PCS JOES realtor understands military life and is equipped to guide you through a smooth, informed move.

No. PCS JOES does not sell advertising or charge agents to be listed on our platform. Our partner agents are carefully vetted veterans and military spouses selected for their experience, professionalism, and commitment to serving military families. When a military member chooses to work with one of our partners, PCS JOES may receive a referral fee after closing. A portion of that fee is reserved to support our PCS JOES military bonus, where permitted by state law, while the remainder allows us to provide our PCS concierge service at no cost to military members and their families.

Yes. As a result of the National Association of Realtors (NAR) settlement reached on March 15, 2024, real estate agents who use the Multiple Listing Service (MLS) to share property information are required to enter into written agreements with buyers before touring a home in person or virtually. For detailed information, please visit the official NAR settlement fact page.

PCS JOES began as a military-focused blog and was converted into a national referral network in 2021 while we were stationed at Lackland AFB. For several years, we maintained a large internal spreadsheet of vetted partner agents, allowing us to personally connect service members with trusted military realtors nationwide. Since starting retirement SkillBridge leave in late 2025, we’ve been transitioning that system onto the website by building base-specific landing pages and publishing PCS JOES realtor profiles so military families can browse agents and connect directly online. New locations are added weekly. While automation is helping speed up this process, every PCS JOES customer is still personally tracked and supported throughout their real estate journey. If you don’t see a landing page for your area yet, simply submit an inquiry on our homepage and we will personally connect you with the appropriate PCS JOES partner agent. Our goal is to have the system fully online by the end of 2026.

Tax Returns: Your VA loan officer needs to get the full story of your financial situation to provide an accurate preapproval. Generally, they want to see 2 years worth of tax returns to ensure your annual income is consistent with your reported earnings through pay stubs. You will likely need to sign a Form 4506-T to allow your lender to request copies of your certified tax returns from the IRS
Pay Stubs, W-2s, or Other Proof of Income: Lenders will want to see your most recent pay stubs to get a clear idea of your overall financial health. If you're self-employed or have other income sources (such as VA disability pay or child support), you may need to show proof through 1099 forms, direct deposits, or other mean.
Bank Statements & Other Assets: These items help your lender appropriately asses your risk profile.
Credit History: Credit reports are often necessary to assess your risk level. Be prepared to write a statement that explains any negative items--one-time unavoidable circumstances may be viewed differently than habitual delinquencies.
Gift Letters: You will need to provide a written confirmation of any money gifted to you to help you buy your home. This letter should include their relationship to you as the amount received.
Photo ID: A copy of your ID will be required to prove you are who you're claiming to be.

As soon as you receive your assignment notification. Many military families contact us 6–9 months before their PCS, even before orders are in hand. This early timeframe is ideal because it allows our VA loan officers to identify and resolve potential issues well in advance. Think of our PCS JOES lender partners as your personal financial coach—no matter your situation, they can build an action plan to strengthen your credit profile and position you for the best possible rate by the time you complete your PCS. We also regularly help service members with last-minute PCS moves in the 30–60 day window. While most home purchases close in 30–45 days once under contract, we’ve successfully completed closings in as little as 26 days.

Wright-Patterson AFB

Dayton-area PCS planning for Wright-Patterson AFB housing, schools, access, lodging, and communities.

PCS to Wright-Patterson AFB

Our Dayton veteran realtors help PCS families plan a move to Wright-Patterson AFB. Wright-Patterson Air Force Base is the central military installation in the Dayton region. Families commonly compare Fairborn, Beavercreek, Dayton, Huber Heights, Centerville, Xenia, and Kettering while weighing the assigned work center, gate route, school boundary, housing cost, and neighborhood needs. Confirm current reporting, housing, and access details before travel.

Popular Nearby Communities

Fairborn - beside Wright-Patterson AFB with practical installation access
Beavercreek - east-side neighborhoods near the base and regional shopping
Dayton - broad city housing choices and regional services
Huber Heights - north Dayton access near I-70
Centerville and Kettering - south-metro options requiring commute comparison

Schools & Student Support

School assignment near Wright-Patterson AFB depends on the exact residence and current district boundaries.
Contact the installation School Liaison before choosing housing or relying on transportation availability.
Verify enrollment, transfer, special-program, and transportation rules directly with the applicable school district.
Use GreatSchools as a starting point, then verify enrollment, transfer, special-program, and transportation rules directly with the applicable school district.

Gates & Installation Access

Confirm the current visitor, sponsor, identification, and vehicle requirements for Wright-Patterson AFB before arrival.
Gate hours and access procedures can change with operations, construction, holidays, or security conditions.
Use sponsor and installation guidance for the correct reporting location rather than relying only on public mapping apps.

On-Base & Off-Base Housing

Contact the housing office serving Wright-Patterson AFB for current eligibility, waitlist, projected availability, pet, and application guidance.
Compare on-installation housing with off-installation rent or purchase costs, utilities, insurance, parking, and transportation.
Do not sign a lease or purchase contract until assignment, commute, allowance, and inspection details are understood.

In-Processing

Follow orders, sponsor instructions, and the gaining unit process when reporting to Wright-Patterson AFB.
Keep orders, amendments, identification, travel records, medical documents, and housing paperwork accessible.
Confirm duty-hour and after-hours reporting instructions before the travel day.

Temporary Lodging & TLE

Reserve eligible temporary lodging for the Wright-Patterson AFB arrival as early as practical.
Confirm pet policies, length-of-stay rules, current rates, and any required non-availability documentation.
Keep confirmations and itemized receipts and verify current reimbursement rules with the servicing travel or finance office.

BAH & Cost of Living

Use the official DoD BAH tool for the housing area serving Wright-Patterson AFB and the current calendar year.
Rates vary by pay grade and dependency status and are not tied to the price of a specific home.
Budget for utilities, insurance, deposits, transportation, maintenance, and other costs not necessarily covered by BAH.

Need help comparing communities or planning a home purchase near Wright-Patterson AFB?

Connect With a Dayton Veteran Realtor

Ready to get started?

Training Matters. Experience Matters More.

MRP Training + Real Military Experience

An MRP-certified agent has completed specialized military relocation training, including foundational education about VA financing. It is a valuable credential—but it is not the only measure of whether an agent understands your move.

Some PCS JOES Realtors are MRP certified. We do not require the designation because all PCS JOES Realtors are veterans or military spouses with firsthand experience navigating military life, PCS timelines, and the realities facing military families.

A certification provides foundational training. PCS JOES adds lived military experience, local real estate expertise, and veteran VA loan officers whose work is focused primarily on VA borrowers.

Why That Matters for Your PCS

Military Relocation Professional training for Dayton military homebuyers

Military relocation knowledge

Guidance shaped around orders, reporting dates, deployments, and remote home searches.

Veteran VA loan officers serving Dayton military homebuyers

Veteran VA loan experts

Our veteran loan officers primarily process VA loans and understand VA eligibility, appraisals, property requirements, benefits, and closing from the inside out.

Veteran and military spouse Realtors with firsthand PCS experience in Dayton

Firsthand understanding

An agent who understands military family priorities because they have lived the lifestyle.

Local military housing and duty station guidance for Dayton

Local market guidance

Help comparing neighborhoods, schools, commute times, and access to your installation.

Local experience: Our Dayton military Realtors help families compare communities and commute options around Dayton.

Planning A VA Loan Near Dayton?

See 2026 Wright-Patterson AFB BAH and Montgomery County figures, remaining-entitlement context and PCS buying steps.

Read The Dayton VA Loan Guide →