National Guard · $0 Down · Veteran-Owned
Stationed at Selfridge Air National Guard Base?
Here’s Your VA Loan.
Serving at Selfridge Air National Guard Base? Here's the fact most Guard members never hear: six creditable years — or a single 90-day federal activation — earns you the same VA home loan active duty gets. $0 down near Harrison Township, no PMI, for a benefit you may already have.
National Guard
Branch
$0
Down Payment
None
Monthly PMI
$832,750
2026 Baseline Limit
Buying Here
Homeownership around Selfridge Air National Guard Base
Guard members at Selfridge Air National Guard Base are the most under-using VA-eligible population in America. If you've served six good years, or activated federally for 90+ days (common in recent mobilization cycles), you likely hold full entitlement right now — enough to buy near Harrison Township with nothing down.
The communities serving Selfridge Air National Guard Base — Harrison Township, Mount Clemens — are where our Michigan VA lending is most active. Every one is standard VA territory: sellers see VA offers close routinely, appraisers know the housing stock, and timelines match conventional loans.
- Harrison Township
- Mount Clemens~$180K
Typical home values: Zillow Home Value Index, 2026-06.
2026 BAH Rates
BAH at Selfridge Air National Guard Base — and what it buys
Basic Allowance for Housing counts as qualifying income on a VA loan. These are the official 2026 DoD rates for the Detroit, MI housing area — then run your own numbers against a real payment below.
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 | $2,034 | $1,527 |
| E-2 | $2,034 | $1,527 |
| E-3 | $2,034 | $1,527 |
| E-4 | $2,034 | $1,527 |
| E-5 | $2,361 | $1,770 |
| E-6 | $2,583 | $1,935 |
| E-7 | $2,652 | $2,049 |
| E-8 | $2,730 | $2,412 |
| E-9 | $2,904 | $2,469 |
| W-1 | $2,601 | $1,950 |
| W-2 | $2,682 | $2,409 |
| W-3 | $2,781 | $2,478 |
| W-4 | $2,949 | $2,592 |
| W-5 | $3,159 | $2,667 |
| O-1E | $2,664 | $2,358 |
| O-2E | $2,763 | $2,454 |
| O-3E | $2,982 | $2,574 |
| O-1 | $2,397 | $1,797 |
| O-2 | $2,580 | $2,256 |
| O-3 | $2,778 | $2,499 |
| O-4 | $3,228 | $2,649 |
| O-5 | $3,555 | $2,688 |
| O-6 | $3,582 | $2,757 |
| O-7+ | $3,609 | $2,805 |
2026 monthly BAH rates for the Detroit, MI Military Housing Area, which covers Selfridge Air National Guard Base. Source: Department of Defense (DTMO) 2026 BAH rate data, effective January 1, 2026. O-8 through O-10 receive the O-7 rate. Verify your exact rate with the official DoD BAH calculator.
Payment vs. BAH estimator
Principal & Interest
$2,212
Tax + Insurance
$461
Est. Monthly Payment
$2,673
Your BAH (E-5)
$2,361
This payment runs $312/month over your BAH — a smaller price point, points strategy, or dual income closes the gap.
Educational estimate only — no PMI is included because VA loans never charge it, and the VA funding fee (if applicable) is not shown; it is typically financed into the loan. Not a loan offer, rate quote, or pre-qualification. Taxes and insurance vary by property; your actual rate depends on your scenario. BAH shown is the Selfridge Air National Guard Base area 2026 DoD rate.
2026 Program Facts
The benefit you earned, in plain numbers
$0 Down Payment
Buy with no down payment on loans within your entitlement — the signature VA benefit.
No PMI
VA loans never charge monthly private mortgage insurance, keeping payments lower than FHA or low-down conventional.
Competitive Rates
The VA guaranty lets lenders price VA loans below comparable conventional rates for most borrowers.
Flexible Credit
The VA sets no minimum credit score — guidelines focus on residual income and the whole picture.
Limited Closing Costs
The VA restricts which fees veterans can be charged, and sellers may pay all of them plus concessions.
Reusable for Life
VA entitlement is a lifetime benefit — it can be restored and reused, and you can hold more than one VA loan at once.
VA loan vs. conventional, side by side
| Feature | VA Loan | Conventional |
|---|---|---|
| Down payment | $0 required | 3–20% (20% to avoid PMI) |
| Monthly mortgage insurance | Never | Required under 20% down |
| Minimum credit score | None set by VA | Typically 620+ |
| Interest rates | Typically below conventional | Higher without large down payment |
| Upfront fee | Funding fee 2.15% first use (waived with disability rating) | None |
| Prepayment penalty | Never | Rare, but possible |
| Loan limit | None with full entitlement | $832,750 baseline (2026) |
| Assumable by a buyer | Yes — VA loans are assumable | Generally not |
Your VA, Nearby
Veteran resources near Selfridge Air National Guard Base
Settling in near Harrison Township means more than a mortgage — here’s where your VA health care and counseling live once you’re here.
Other Outpatient Services (OOS)
19.7 mi
Piquette Street VA Clinic
301 Piquette Street, Detroit, MI 48202
Mon–Fri 8:00 am–8:00 pm
- Primary care
Residential Care Site (MH RRTP/DRRTP) (Stand-Alone)
19.7 mi
Detroit VA Medical Center-Valor Center
3245 East Jefferson Avenue, Detroit, MI 48207
VA Medical Center (VAMC)
20.1 mi
John D. Dingell Department of Veterans Affairs Medical Center
4646 John R Street, Detroit, MI 48201
- Addiction and substance use care
- Allergy, asthma and immunology
- Audiology and speech
- Cardiology
- Caregiver support
- COVID-19 vaccines
Vet Center
6.8 mi
Macomb County Vet Center
42621 Garfield Road, Clinton Township, MI 48038
Mon–Fri 8:00 am–4:30 pm
- Addiction and substance use care
- Community engagement
- Couples and family counseling
- Grief and bereavement counseling
- Military sexual trauma care
- PTSD care
VA Benefits Office
4.2 mi
Macomb County Veteran Readiness and Employment Office
21885 Dunham Road, Clinton Township, MI 48036
- Education and career counseling
- Vocational rehabilitation and employment assistance
Distances measured from Selfridge Air National Guard Base’s host community. Source: U.S. Department of Veterans Affairs facility directory. The benefits office is where disability claims and rating questions are handled — including the rating that waives your VA funding fee. Confirm hours and services with the facility before visiting.
Straight Answers
Selfridge Air National Guard Base VA loan questions
I'm in the Guard at Selfridge Air National Guard Base — am I actually VA-loan eligible?
If you have six creditable years of Guard service, or any 90-day federal (Title 10) activation, almost certainly yes. We pull your Certificate of Eligibility directly — it takes minutes and costs nothing to confirm.
What is the 2026 BAH rate at Selfridge Air National Guard Base?
For the Detroit, MI housing area covering Selfridge Air National Guard Base, the 2026 DoD rate for an E-5 is $2,361/month with dependents and $1,770/month without — and every dollar of it counts as qualifying income on a VA loan. Full tables for every pay grade are on this page.
Can I buy a duplex or fourplex near Selfridge Air National Guard Base with a VA loan?
Yes — VA loans finance 2–4 unit properties with $0 down as long as you live in one unit. Rent from the other units helps cover the mortgage, and near Harrison Township the tenant pool includes the base's own rotation. It's the strongest wealth-building move available to VA-eligible buyers.
What credit score do I need for a VA loan near Selfridge Air National Guard Base?
The VA itself sets no minimum credit score — lenders set their own overlays, commonly around 580–620, with better pricing at higher tiers. VA underwriting also weighs residual income, which often works in favor of military families that a raw score undersells.
Is there a VA loan limit near Selfridge Air National Guard Base?
Not with full entitlement — the VA doesn't cap your loan amount. With reduced entitlement, Michigan's 2026 county limits start at the $832,750 baseline, well above typical prices around Harrison Township, Mount Clemens.
What does the VA funding fee cost on a purchase near Selfridge Air National Guard Base?
2.15% of the loan amount on first use with less than 5% down (3.30% on subsequent use), dropping to 1.50% with 5% down. Veterans receiving VA disability compensation at any rating are fully exempt from the funding fee, as are eligible surviving spouses and Purple Heart recipients on active duty.
Should I buy or rent for my tour at Selfridge Air National Guard Base?
Run the real numbers: with $0 down and no PMI, a purchase near Harrison Township often matches or beats local rent — and unlike rent, the payment builds equity you keep at your next duty station. When you PCS, VA rules let the home become a rental. We model both paths against your BAH before you decide.
Can I use a VA loan more than once after Selfridge Air National Guard Base?
Yes — VA entitlement is a lifetime, reusable benefit. Sell and your entitlement restores; keep the home as a rental and remaining entitlement can often fund the next purchase at your next duty station. Career service members commonly hold two VA loans at once.
What happens to my VA loan if I PCS away from Selfridge Air National Guard Base?
Three good options: sell and pocket your equity, keep the home as a rental (allowed once you've occupied it — and Harrison Township's military rotation supplies tenants), or let a qualified buyer assume your VA loan at its existing rate — a uniquely valuable feature when rates have risen since you bought.
Nearby Duty Stations
Other Michigan installations we serve
From One Service Member to Another
Your Selfridge Air National Guard Base VA loan, handled by veterans
PCS timelines, BAH math, deployment closings — we’ve lived it. Get pre-approved and know exactly what you can buy near Harrison Township.