Edited and reviewed by CEO Vatche Saatdjian — 30+ years of experience — Expert on FHA loans
$0 down, no PMI, and competitive rates for active duty, veterans, and National Guard. Visit our VA loan specialist site for complete guides, requirements, and Nevada-specific benefits.
Nevada veterans near Nellis AFB, Creech AFB • Las Vegas • Henderson • Reno
VA home loans are government-backed mortgages available to active-duty service members, veterans, National Guard, Reservists, and eligible surviving spouses. These loans offer unmatched benefits including zero down payment requirements, no private mortgage insurance (PMI), competitive interest rates, and flexible qualification standards.
For Nevada military families, VA loans have become the preferred financing option for purchasing homes in Las Vegas, Henderson, Reno, and near military bases like Nellis Air Force Base and Creech Air Force Base. The VA loan program has helped millions of veterans achieve homeownership since 1944.
Important: While Valley West Mortgage has extensive VA lending expertise, our FHAHomeLoans.services site specializes exclusively in FHA loans. For comprehensive VA loan information, rates, Nevada county limits, eligibility verification, and specialized VA lending support, we recommend visiting our dedicated VA loan specialist website.
Buy a Nevada home with zero down payment. VA loans allow 100% financing on homes up to the VA county limit.
Save $100-300+ monthly with no private mortgage insurance, even with zero down. This benefit alone saves tens of thousands over the loan term.
Government backing typically results in lower interest rates than conventional loans, saving thousands in interest over time.
Your VA loan entitlement can be restored after selling or paying off your previous home. Use it multiple times throughout your life.
Sellers can contribute up to 4% toward your closing costs, reducing your upfront cash requirements even further.
Active-duty service members, veterans with honorable discharge, National Guard and Reserve members with sufficient service time, and eligible surviving spouses qualify. Most need 90 consecutive days of active service during wartime or 181 days during peacetime. Check your VA eligibility.
The VA funding fee ranges from 1.25% to 3.3% depending on your down payment and whether it's your first VA loan. Veterans with service-connected disabilities are exempt. The fee can be rolled into your loan amount. Calculate your VA funding fee.
Nevada VA loan limits vary by county. Clark County (Las Vegas): $806,500, Washoe County (Reno): $806,500, most other Nevada counties: $766,550. Veterans with full entitlement can exceed these limits without a down payment. View complete Nevada VA limits.
VA loans require you to occupy the home as your primary residence. You must certify occupancy intent and typically move in within 60 days of closing. Investment properties and vacation homes do not qualify for VA financing. Learn VA occupancy requirements.
Get comprehensive information on VA loan requirements, Nevada county limits, COE application process, funding fee exemptions, VA appraisal guidelines, IRRRL refinancing, and step-by-step guides from our VA lending experts.