Discover the powerful homebuying advantages you've earned through military service. VA loans offer unmatched benefits that make Nevada homeownership easier and more affordable for veterans and active duty service members.
Unlike conventional loans that require 3-20% down or FHA loans requiring 3.5%, VA loans allow eligible veterans to purchase a home with absolutely zero money down. This means you can buy a $400,000 Nevada home without needing $80,000 in savings.
Las Vegas Home: $425,000
Conventional 10% down: $42,500
VA Loan down: $0
You save $42,500 in cash
Use that money for moving, furniture, or emergencies
Nevada Advantage:
With Nevada's median home price at $430,000, zero down means you can buy a home without needing $43,000+ in savings—huge for military families moving to bases like Nellis AFB or Fallon NAS.
$0
Down Payment
Conventional Loan (10% down)
$2,847
Includes PMI ($185/mo)
VA Loan (0% down)
$2,512
No PMI - You save $335/month
Annual Savings: $4,020
Over 30 years: $120,600 saved
Most loans with less than 20% down require costly private mortgage insurance (PMI). Conventional borrowers pay $100-$300/month in PMI. FHA borrowers pay mortgage insurance for the entire loan term. VA loans have NO PMI, saving you thousands annually.
On a $400K Nevada home, no PMI saves you $150-250/month compared to conventional loans
FHA loans require MIP for life if you put less than 10% down. VA loans never charge mortgage insurance, period.
Over 30 years, eliminating PMI saves Nevada veterans $54,000-$90,000
VA loans consistently offer some of the lowest interest rates in the mortgage industry. Because the VA guarantees a portion of the loan, lenders take on less risk and pass those savings to you through lower rates.
Conventional 30-Year
6.875%
VA 30-Year
6.375%
On a $400,000 Nevada home:
Locked-In Savings:
Even a 0.25% rate advantage compounds to tens of thousands saved over your loan term. Nevada veterans consistently get better rates with VA loans.
The VA backs 25% of the loan, reducing lender risk
Veterans historically have excellent repayment records
VA appraisals ensure homes are sound investments
Lenders compete aggressively for veteran business
Conventional Loan Minimum
680-700
Credit Score Required
VA Loan Minimum (Many Lenders)
580-620
Credit Score Required
No VA-mandated minimum credit score. Individual lenders set their own requirements, but most approve veterans with scores as low as 580-620—much lower than conventional loans.
Recent Bankruptcy
2 years after discharge vs 4+ years conventional
After Foreclosure
2 years vs 7 years conventional
Debt-to-Income Ratio
Up to 50-60% in some cases
Employment Gaps
Understanding of military transitions
VA loans are designed to help veterans succeed in homeownership, even if your credit isn't perfect. While conventional and FHA loans have strict requirements, VA loans offer significantly more flexibility for Nevada service members and veterans.
Many lenders approve VA loans with credit scores as low as 580-620, while conventional loans typically require 680-700+. This opens homeownership to thousands more Nevada veterans.
"I was denied for a conventional loan with a 640 score, but approved for VA the same week." – Staff Sgt. Martinez, Henderson NV
VA loans allow you to qualify just 2 years after bankruptcy or foreclosure (vs 4-7 years for conventional), recognizing that military service can sometimes lead to financial disruption (PCS moves, deployments, medical issues).
Unlike other loans that solely use debt-to-income ratio, VA loans also use a "residual income" test—ensuring you have enough money left after all expenses for necessities. This holistic approach helps veterans with higher incomes qualify even with some debt.
Bottom line for Nevada veterans: If you've been denied for conventional financing or think your credit isn't "good enough," a VA loan may still be within reach. We work with veterans to find approval paths others miss.
Your VA loan benefit isn't a one-time deal. You can use it multiple times throughout your life—buying, selling, and buying again with $0 down each time. This makes VA loans perfect for military families who move frequently or investors building wealth through real estate.
Once you sell a home purchased with a VA loan and pay off the mortgage, your full entitlement is restored. You can immediately buy another home with $0 down in Nevada or anywhere in the U.S.
In some cases, you can have two VA loans at once—for example, if you're relocating from one military base to another and haven't sold your first home yet, or if you have enough remaining entitlement for a second property.
There's no cap on how many times you can use your VA benefit. Buy your first Nevada home in Las Vegas, sell it, buy in Reno years later, sell that, buy again—your benefit keeps working for you your entire life.
2018: Purchased first home in Henderson with VA loan ($0 down)
2021: Sold Henderson home, entitlement restored
2022: Purchased larger home in Summerlin with VA loan ($0 down)
2024: Kept Summerlin home, used remaining entitlement to buy rental property in Reno
Total down payment across all purchases: $0
Lifetime Benefit Uses
Unlimited
See exactly how much you'll save compared to conventional financing on your Nevada home purchase
VA loans typically 0.25-0.50% lower
Nevada Average Home Price
Las Vegas: $430K | Reno: $510K | Henderson: $480K
Total Savings with VA Loan
$148,700
Over 30 years
Down Payment
$42,500
Saved upfront
No PMI
$63,000
Over loan life
Lower Interest Rate
$43,200
Based on 0.50% rate advantage
Monthly Payment Savings
$335
More money in your pocket every month
See the combined financial impact of all five VA loan benefits on a typical Nevada home purchase
Purchase Price
$425,000
Loan Amount
$425,000
Interest Rate (VA)
6.375%
Loan Term
30 Years
Down Payment Saved
(10% conventional vs $0 VA)
$42,500
PMI Savings (30 years)
($175/mo × 360 months)
$63,000
Interest Rate Savings
(0.5% lower rate × 30 years)
$43,200
TOTAL SAVINGS
$148,700
$413/mo
Lower Monthly Payment vs Conventional
$4,956
Annual Savings (Monthly × 12)
$148.7K
Total Savings Over 30 Years
You've served our country. Now let your VA benefits serve you. Our Nevada VA loan specialists make the process fast, simple, and stress-free—from pre-approval to closing.
Serving veterans and military families throughout the Silver State
VA loans for Nellis AFB and Las Vegas metro area veterans. Zero down payment homes available.
Northern Nevada VA home loans with competitive rates. Serving Washoe County veterans and military families.
Henderson VA loans with local expertise. Buy a home near Las Vegas with zero money down.
Everything you need to know about using your VA home loan benefit in Nevada
Las Vegas area - Major USAF installation
VA loan limit: $806,500 (2025)
Fallon - Navy and Marines training center
VA loan limit: $766,550 (2025)
Multiple facilities statewide
6 years service may qualify
Common questions Nevada veterans ask about their home loan benefits
Our Nevada VA loan specialists make it easy for veterans and active-duty military to buy homes with zero down payment. Get pre-approved in minutes.