The Realtor military families trust with every PCS.
706+
Homes Sold
9 yrs
Experience
5.0★
Zillow Rated
Jill Judge is the founder and team leader of the Military Homes Team — a hand-picked group of Realtors dedicated exclusively to helping military families buy and sell homes during a PCS, retirement, or any chapter of military life.
With 706+ homes sold, 9 years of experience, and a 5.0★ Zillow rating, Jill has spent the better part of a decade earning a reputation that most agents only talk about. Her clients describe her the same way every time: communicative, strategic, and the kind of Realtor who treats every transaction like it's the most important one she's ever done — because to the family she's working with, it is.
After watching too many military buyers and sellers get handed off to agents who didn't understand the timeline, the VA loan, or the stakes — Jill built a team specifically for them. Her agents are coached personally by Jill, trained on military-specific transactions, and held to the same standard that earned her over 700 successful closings.
When you work with the Military Homes Team, you're not getting one of many — you're getting the team Jill built, with Jill as the leader behind every transaction.
Vanderbilt Hospital. Georgetown University Hospital. Jill spent years in high-pressure clinical environments where mistakes have consequences and people deserve straight answers. That's the same energy she brings to every client today — calm under pressure, sharp on the details, and absolutely unwilling to let a family get steamrolled by a transaction.
It's why her clients keep coming back. And it's why she built a team that works the same way.
Jill built the Military Homes Team around five principles — the same principles that drove her own career to 700+ closings. Every agent on the team follows them. Jill personally oversees every transaction.
A PCS doesn't wait 60 days, and you can't always burn a weekend on a house-hunting trip. Jill pre-tours, pre-vets, and pre-negotiates so you can close from a hotel room if you have to. She has run entire transactions without the buyer ever visiting the property.
Entitlement. Funding fee. Tidewater. Assumability. Jill has structured hundreds of transactions and knows exactly how to position your offer so a VA loan reads as a strong one — not a complicated one.
When the appraisal comes in low. When an inspection finding is a dealbreaker vs. a credit negotiation. When a listing is overpriced and when it's a steal. 706+ closings worth of judgment — the stuff Google won't tell you.
Selling at the current station, buying at the next. Jill coordinates both sides personally so your equity lands where it needs to, when it needs to. No bridge loan panic.
Three years from now when the next orders come in, you'll already have Jill in your phone. Her team tracks every past client's market — so when you're ready, she already knows what your home is worth.
Jill is one of a select group of Realtors accepted into Real's Military Division — Real Broker's dedicated team for service members, veterans, and military families. Membership requires a first-degree military connection, a business built around the military community, and approval from a vetting committee.
Beyond the credential, Jill is personally licensed across multiple states with active business in markets near major military installations. If you're buying or selling a home in a state where Jill isn't personally licensed, she'll connect you directly with one of the best agents in your market — a hand-picked referral from her network, not a name pulled off the internet.
This is the same timeline Jill walks every military client through — what to do, when to do it, and what her team handles on their end so you can focus on everything else.
"This is the CONUS-to-CONUS playbook with standard 60–90 day notice. OCONUS moves and short-notice orders get a tighter version of this plan — call me directly and we'll build it."
Orders in hand. First call: a VA-fluent lender. Get your Certificate of Eligibility (COE), figure out what your entitlement actually buys at the new duty station, and get a real pre-approval letter — not a "pre-qualification" PDF.
If you're selling and buying, this is when both sides go in motion. Jill lists the current home and starts vetting properties at the new station. The goal: keyless overlap — sell, close, buy, close, move, with the equity moving in one direction.
This is when a typical VA loan closes — 30 to 45 days from contract. If you're flying in to tour, this is the trip. Jill will have your shortlist ready, the listing agents briefed on your timeline, and offers drafted before you board the flight home.
VA appraisal comes in. If it comes in low, Jill invokes Tidewater. If the inspection finds issues, Jill negotiates repairs or credits. This is where having a Realtor who's closed 700+ transactions earns her keep — Jill knows what's worth fighting for and what's noise.
Loan is in underwriting. You're triple-checking everything you can't replace — passports, birth certificates, the dog's vaccine records. Jill handles the closing logistics, schedules the final walkthrough, and confirms wire instructions in person (never over email — wire fraud is real).
Sign, fund, record. If you're not local, Jill closes remotely with a mobile notary and overnights you the keys. If you are local, she hands them to you with a bottle of something and a hug. Then she sends you to your new neighborhood with a list of every coffee shop, urgent care, hardware store, and dry cleaner worth knowing.
A handful of recent reviews from buyers and sellers who worked directly with Jill. More on Zillow, Google, and the actual closing tables she sits at every week.
Jill was the best realtor we have had. She was communicative and very knowledgeable about the industry and the current market. She was always fair and truthful with us, which is something you don't always get with a realtor. She actually cared that we got a fair deal and wasn't just trying to get a sale.
With Jill's help, we sold our house within a few short weeks of listing it. She was pleasant, patient, charming, cheerful, and thoroughly professional every step of the way. She clearly knew what she was doing and guided us through the process without a hitch. We could not have been happier!
I had a wonderful experience working with Jill! She was really strategic around when would be the best time to put my condo on the market, and I got an offer the first day of showings! She did an excellent job of making me feel comfortable with everything I need to know before putting it on the market and closing — everything went very smoothly. I would highly recommend Jill!
Your VA loan is one of the best mortgage products in the country — but it only works in your favor if your Realtor and lender know how to use it. Here's Jill's short version. (For the long version, you want a lender. Jill will connect you with the good ones.)
The headline benefit, and it's a big one. No down payment required, even at high loan amounts. That's tens of thousands of dollars that stay in your pocket — or get put into the home itself.
Conventional loans charge private mortgage insurance until you hit 20% equity. VA loans don't. That alone can save you hundreds of dollars a month for the life of the loan.
VA loans are government-backed, which means lenders take on less risk and pass the savings on to you. In most markets, VA rates beat conventional by 0.25–0.5%.
Your VA loan benefit isn't one-and-done. You can use it again — for your next duty station, after you pay off the first one, or in some cases simultaneously. Jill helps you map out the strategy.
When you sell, a qualified VA buyer can assume your existing loan and rate. In a high-rate market, this turns your home into a much more attractive listing. Most agents don't market this — Jill does.
VA appraisals come with the Tidewater Initiative — if the appraisal looks like it might come in low, the seller's agent gets a chance to provide more comps before the value is finalized. It's a backstop conventional loans don't offer.
This is a Realtor's overview, not loan advice. Your specific entitlement, funding fee, and eligibility all depend on your service record and current obligations. Jill works with VA-fluent lenders and will connect you with one she trusts — get the numbers from them, not from a website.
Filter by branch or search by name or location. When you find your next duty station, reach out to Jill — she'll either work with you directly or connect you with one of the best agents in her network for that area.
Whether you're 90 days out or 9 days out, the conversation is the same — what's the timeline, what's the budget, where are you headed. Reach out to Jill directly. She'll take it from there.
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