Free Download · 2026 Edition

Your Guam PCS Housing Handbook

Everything your family needs to land smoothly — OHA explained, MHO approval decoded, neighborhoods by base, VA loans on Guam, and the PCS timeline that actually works.

OHA vs. BAH — what really changes
MHO approval — step by step
Neighborhoods by Andersen, NBG & Camp Blaz
VA loan fee simple requirement
Rental vs. purchase timelines
2026 OHA rate quick reference
Military clause sample language
Terry's 8 hard-won tips

21Pages

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Questions? Call Terry at 671-689-7726

OHA Explained MHO Approval Process VA Loans on Guam Neighborhoods by Base Military Clause Language 2026 OHA Rates Rental vs. Purchase Timelines Camp Blaz Housing Guide OHA Explained MHO Approval Process VA Loans on Guam Neighborhoods by Base Military Clause Language 2026 OHA Rates Rental vs. Purchase Timelines Camp Blaz Housing Guide

Inside the Handbook

9 chapters. Every question answered before you land.

Understanding OHA

The three components of OHA — rental allowance, monthly utility allowance, and MIHA — and how each works differently from stateside BAH.

MHO Approval Process

The 5-step Military Housing Office inspection process. Never sign a lease before this is complete — this chapter tells you exactly why.

On-Base vs. Off-Base

A side-by-side comparison across cost, space, commute, pets, CHamoru cultural experience, and schools — so you can make the right call for your family.

Neighborhoods by Base

Best villages for Andersen AFB, Naval Base Guam, and Camp Blaz — with honest commute times and what each neighborhood actually feels like to live in.

VA Loans on Guam

Your benefit works here — but fee simple land is non-negotiable. We cover zero down, no PMI, funding fees, and VA-experienced lenders on island.

The Military Clause

Sample lease language, what it protects you from, and why a poorly worded clause could cost you months of rent you weren't expecting to pay.

PCS Timeline

Separate timelines for renters and buyers — because they don't work the same. Rentals move fast. Purchases need runway. Here's exactly when to do what.

Terry's Top 8 Tips

From generators to concrete construction to CHamoru culture — the eight things Terry tells every client that don't appear in any official PCS guide.

2026 OHA Rate Reference

Confirmed 2026 rental ceiling and utility allowance rates for Guam (Area Code 999), with guidance on verifying your rate before you sign anything.

Your PCS to Guam doesn't have to be stressful. It can be the start of the greatest chapter of your military career — if you have the right guide.

— Terry Taylor, MRP · Salt & Light Realty

Your Guide

Terry Taylor, MRP

Terry is a licensed REALTOR® and Certified Military Relocation Professional at Salt & Light Realty in Tamuning, Guam — and an honorably discharged veteran himself.

With a background spanning 30+ years of Fortune 100 executive sales leadership, military service as a Military Police officer, and NATO Protective Service, Terry brings a unique perspective to every military family he serves.

Salt & Light Realty specializes in military PCS relocation serving Andersen AFB, Naval Base Guam, and Camp Blaz. Principal Broker: Shine Walker. Terry's license: OS-2831.

MRP Certified C2EX Endorsed Luxury Certified Veteran Lic# OS-2831

Installations Served

Guam's Three Military Installations — We Know Them All

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Andersen AFB

North Guam · Air Force & Space Force

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Naval Base Guam

South Guam · Navy & Coast Guard

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Camp Blaz

Finegayan · Marine Corps

Whether you're landing at Andersen, pulling into Naval Base Guam, or reporting to Camp Blaz — this handbook and Terry's team are ready for you.