Joint Base Pearl Harbor-Hickam: Aiea, Pearl City, Ewa, Kapolei, Salt Lake
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Military & VA buyers
Military & VA buyers on Oahu
Ryan is a U.S. Army veteran and Military Relocation Professional (MRP). We know how PCS timelines, BAH and VA loans fit together, and we like to start planning 90–120 days before your report date.
Bases & nearby communities
Find your starting point.
Schofield Barracks: Mililani, Wahiawa, Waipio
Mililani →Marine Corps Base Hawaii: Kaneohe, Kailua
Fort Shafter / Camp H.M. Smith: Moanalua, Aiea, Salt Lake, Pearl City
Search Properties →VA loans on Oahu
Financing & closing costs
- 2026 conforming loan limit, Honolulu County: $1,249,125 (one unit). Above that is a jumbo loan.
- VA loans work well here. Condos must be VA-approved, and the funding fee (1.25%–3.3%) is waived for many veterans with service-connected disabilities.
- Buyer closing costs often run about 2–3% of the price, covering escrow, title, lender fees and prepaid items.
- Ask your lender early about leasehold, condo approval and the property's flood zone.
General guidance only. Confirm with your lender, escrow officer and tax advisor.
PCS timeline
90–120 days out → arrival
Ryan is a U.S. Army veteran and Military Relocation Professional (MRP). We know how PCS timelines, BAH and VA loans fit together, and we like to start planning 90–120 days before your report date.
Get pre-approved
Talk to a lender who knows Hawaii condos, leasehold and VA. Know your number before you shop.
Tour in person or by video
We preview homes, film live walkthroughs and point out what photos don't show.
Close through escrow
In Hawaii an escrow company handles closing. Many buyers sign remotely, and the deed is recorded with the State.
Yes. Many of our mainland and overseas buyers tour by live video, review inspection reports remotely and sign closing documents electronically or with a mobile notary. We still recommend visiting before or during escrow if you can.
Your military relocation advocate
Ryan Lee Sharpe
REALTOR® · RA, MRP · RS-80162 · U.S. Army veteran · Photographer, Hawaii Imaging Lab
(808) 469-7662 · Ryan@MyOahuAgent.com
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Elle Zhang (RS-66252) and Ryan Lee Sharpe (RS-80162) are REALTORS® licensed in Hawaii with eXp Realty, RB-21841, 6600 Kalanianaole Hwy Suite #114, Honolulu, HI 96825. Equal Housing Opportunity.
This guide is for general information only and is not legal, tax, financial or insurance advice. Tax rates, loan limits and other figures are as of October 2026 and can change; estimates are labeled as such. Verify all information with the appropriate professionals and agencies before making decisions. Information deemed reliable but not guaranteed. Photography by Hawaii Imaging Lab.