There is no VA credit score requirement in Nevada. Underwriting means the rules a lender uses to decide whether to approve your loan. The regulation that governs VA underwriting, 38 CFR 36.4340, contains the phrase credit score exactly zero times across 65,102 characters. It never uses the word FICO either, which is the credit-score model most lenders use.
What it asks for instead is a finding that you are a satisfactory credit risk. It points that finding at a residual income table that names Nevada in the West region and asks a family of four for $1,117 a month. The 620 you keep reading is a lender floor, and the regulation says in plain words whose decision that is.
The score you are quoted is real. It is just not federal. That distinction is the whole subject of this page, because it changes what you do about a 597 or a 612 or a thin file with no score at all.
Everything below was read in the regulation itself on September 9, 2026, along with VA's own eligibility page and Nevada's community property statute. The counts of how often certain words appear in the regulation were measured by counting occurrences in the full section text, not taken from another article. Sources are listed at the bottom.
Key takeaways
- 38 CFR 36.4340 never mentions a credit score. Zero occurrences of credit score, zero of FICO, against 8 of credit history and 4 of creditworthiness. The standard is a satisfactory credit risk finding, not a number.
- VA.gov names both bars in one sentence. You must meet requirements from both the VA and your lender. Two bars, and the lender sets the second one.
- Nevada is in VA's West region, which carries the highest residual income figures in the table. A family of four needs $1,117 for loan amounts of $80,000 and above.
- Active duty near a base cuts that figure by at least 5 percent. For a Nevada family of four, $1,117 becomes $1,061.15, and the regulation calls 5 percent a minimum rather than a cap.
- Clear the guideline by 20 percent and a whole layer of review disappears. Above a 41 percent debt-to-income ratio, exceeding residual income by 20 percent removes the second level review and the written justification entirely.
- VA sets no minimum credit score. The regulation does not contain the phrase.
- Your lender sets one, and 36.4340(c)(4) says that is the lender's call.
- Nevada sits in the West residual income region.
- West guideline for a family of four, loans of $80,000 and above: $1,117.
- Active-duty or military retiree near a base: reduced by at least 5 percent.
- That turns $1,117 into $1,061.15.
- The 20 percent cushion above the guideline removes second level review.
- A discharged Chapter 7 does not by itself disqualify the loan.
What credit score do you need for a VA loan in Nevada?
A VA loan in Nevada has no credit score requirement, because the Department of Veterans Affairs has never published one for a VA-guaranteed purchase loan. The regulation that sets VA underwriting standards does not use the term at all.
That is a checkable claim rather than a talking point, so here is the check. The full text of 38 CFR 36.4340 runs 65,102 characters. Counting occurrences across all of it on September 9, 2026 returns credit score 0 times and FICO 0 times, against credit history 8 times, creditworthiness 4 times, and the bare word credit 107 times. The regulation is saturated with credit and empty of scores.
What it asks for instead appears in paragraph (a), and it is worth reading slowly because every later argument hangs off it.
The standards contained in paragraphs (c) through (j) of this section will be used to determine whether the veteran's present and anticipated income and expenses, and credit history, are satisfactory.
38 CFR 36.4340(a), Underwriting standards · https://www.law.cornell.edu/cfr/text/38/36.4340
Income and expenses, and credit history. Not a number. And the same paragraph group goes further, because it anticipates a file that fails one test and passes another.
Failure to meet one standard, however, will not automatically disqualify a veteran.
38 CFR 36.4340(c), Underwriting standards · https://www.law.cornell.edu/cfr/text/38/36.4340
If there is no minimum, what is actually being judged?
VA loan underwriting judges one thing: whether you are a satisfactory credit risk. Paragraph (g) of the same regulation says how that finding has to be reached, and the method is analysis rather than arithmetic.
The text is one sentence. The conclusion reached as to whether or not the veteran and spouse are satisfactory credit risks must also be based on a careful analysis of the available credit data. Careful analysis of the data, not a threshold applied to a summary of it.
That is why the regulation can say what it says about collections. Where a collection account has been established, and the borrower is otherwise found to be a satisfactory credit risk, paragraph (g)(1) states it is not mandatory that such an account be paid off in order for a loan to be approved.
Court-ordered judgments are the exception and must be paid off before a new loan is approved. A score model treats those two things almost identically. The regulation does not.
It also matters for what happens when something derogatory shows up. Paragraph (g)(1) does not say a derogatory item disqualifies you. It says that if the analysis develops derogatory information and the veteran is still found to be a satisfactory credit risk, the basis for that decision must be explained. The burden is a written explanation, not a rejection.
Why does every lender name a different number?
Credit score floors are lender policy, and the regulation puts that decision on the lender in a single sentence. Lenders answer that responsibility by writing a floor. Those floors are called overlays, which means a stricter in-house floor layered on top of the government's rule.
It is the lender's responsibility to base the loan approval or disapproval on all the factors present for any individual veteran.
38 CFR 36.4340(c)(4), Underwriting standards · https://www.law.cornell.edu/cfr/text/38/36.4340
VA guarantees a portion of the loan. The lender funds all of it and holds the servicing risk, so the lender decides where its own line sits. VA's public eligibility page states the two-bar structure without ceremony.
To get financing for a VA-backed home loan, you must meet credit, income, and occupancy requirements from both the VA and your lender.
U.S. Department of Veterans Affairs, Eligibility for VA home loan programs, last updated June 12, 2025 · https://www.va.gov/housing-assistance/home-loans/eligibility/
Valley West Mortgage applies its own underwriting guidelines in addition to the VA standard described here; ask your loan officer what those are for your file.
Two consequences follow, and they are the practical reason this page exists. A denial at one lender is not a denial of your VA benefit. Your entitlement, which is the loan amount VA guarantees for you, is untouched by a policy floor.
And the sentence you want from any lender is not what is your minimum. It is what would this specific file need to clear your minimum, which is a question about compensating factors rather than about a number.
Before any of that is worth asking, your eligibility has to be established, and that is a separate document rather than a credit question. The Nevada Certificate of Eligibility walkthrough covers the three routes and which one stalls files.
How does Nevada's residual income table change what a score has to carry?
Nevada sits in VA's West region, which carries the highest residual income figures of the four regions. That single geographic fact raises the income cushion a Nevada file has to show, and the cushion is exactly what a lender looks at when a score sits below its floor.
The regulation lists the regions by state. The West is Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington and Wyoming. Nevada appears in the section exactly once, and that is where.
Residual income is what is left over each month after taxes, every debt obligation and the housing cost. VA publishes the required figure by family size, by region, and in two loan size bands. Almost every Clark County purchase falls in the $80,000 and above band, so that is the table below.
The two right-hand columns are not in the regulation. They are worked from it, and they are the numbers that actually decide arguments.
| Family size | West guideline | Guideline plus the 20 percent cushion | Active duty near a base, minus 5 percent | Active duty, with the 20 percent cushion |
|---|---|---|---|---|
| 1 | $491 | $589.20 | $466.45 | $559.74 |
| 2 | $823 | $987.60 | $781.85 | $938.22 |
| 3 | $990 | $1,188.00 | $940.50 | $1,128.60 |
| 4 | $1,117 | $1,340.40 | $1,061.15 | $1,273.38 |
| 5 | $1,158 | $1,389.60 | $1,100.10 | $1,320.12 |
| 6 | $1,238 | $1,485.60 | $1,176.10 | $1,411.32 |
| 7 | $1,318 | $1,581.60 | $1,252.10 | $1,502.52 |
Work the family of four line by hand, because it is the one most Las Vegas files land on. The West guideline is $1,117. The cushion in 36.4340(c)(3) is 20 percent above the guideline, so $1,117 multiplied by 1.20 is $1,340.40. That is the number that makes a debt-to-income ratio above 41 percent stop requiring a supervisor's signature and a written justification.
Our Nevada residual income guide works the same table from the income side, with the worksheet a lender fills in. This page is about what happens to it when a score is the weak part of the file.
Do Nellis and Creech families get a different number?
Nevada VA borrowers on active duty near a base usually do get a different number, and by a margin that moves real files. The regulation carries a military adjustment that reduces the residual income figure for active-duty servicemembers and military retirees living near a base, and Nellis and Creech both qualify a household for that reading.
For loan applications involving an active-duty servicemember or military retiree, the residual income figures will be reduced by a minimum of 5 percent if there is a clear indication that the borrower or spouse will continue to receive the benefits resulting from the use of facilities on a nearby military base.
38 CFR 36.4340(e)(4), Military adjustments · https://www.law.cornell.edu/cfr/text/38/36.4340
Read the word minimum. Five percent is the floor of the reduction, not the ceiling, and the regulation does not cap it. For the family of four that is $1,117 multiplied by 0.95, which is $1,061.15.
Now stack the two rules, which is the calculation almost nobody publishes. The 20 percent cushion applies to the adjusted guideline, so an active-duty Nellis family of four clears second level review at $1,061.15 multiplied by 1.20, which is $1,273.38.
A civilian household of the same size in the same city needs $1,340.40 for the same treatment. The gap is $67.02 a month, and on a marginal file that is the difference between an approval that needs a supervisor's written justification and one that does not.
The condition attached is a clear indication that the base benefits continue. In practice that is what the file has to document, and it is a documentation question rather than a credit one.
Find out what your file needs, not what a floor says.
Have your credit profile read against the VA standard rather than against a number, current as of September 9, 2026. A short review looks at which compensating factors in 38 CFR 36.4340(c)(5) your file already carries, where your residual income lands against the West region table, and whether the active-duty adjustment applies to you. No obligation, and all options are subject to approval.
Review my VA credit profileNevada VA residual income cushion checker
Nevada residual income guidelines change with family size, so put your own household in. The checker applies the West region figure for your family size, the minimum 5 percent active-duty reduction where it applies, and the 20 percent cushion that removes second level review.
Where does your residual income land against the VA guideline?
Enter your family size and what you expect to have left over each month after taxes, every debt payment, and the housing cost you are planning for. That last figure is yours, not ours. Illustrative only and not a quote, offer, or commitment to lend.
Enter your figures above. Illustrative only and not a quote, offer, or commitment to lend.
Method: the guideline is the West region figure for your family size from the 38 CFR 36.4340(e) table for loan amounts of $80,000 and above, with $80 added per member above five up to a family of seven. The military adjustment is the minimum 5 percent reduction at 36.4340(e)(4) and the regulation permits a larger reduction. The cushion is the adjusted guideline multiplied by 1.20, which is the threshold at 36.4340(c)(3) that removes the second level review and statement of justification when the debt-to-income ratio exceeds 41 percent.
This tool states no interest rate, annual percentage rate, repayment term, monthly payment amount, down payment amount, or finance charge. The figure you enter is your own estimate of your own household. It is not an application, not a credit decision, and it does not describe what any lender will accept. Subject to credit, income, property, and underwriting approval. Valley West Mortgage · NMLS #65506 · Equal Housing Opportunity.
What actually changes at 580, 620, 640 and 680?
Credit score bands change nothing in the VA rule, which is identical at every one of those numbers. What changes is how much of the rest of your file has to do the work, and how many lenders will look at it at all.
Score bands are lender conventions. They carry no federal force, and the ones below are the bands commonly published on lender pages rather than anything VA has issued. They are set out here so you can see what the regulation asks the file to carry as the band moves, not as a promise from anybody.
| Band | What the VA regulation requires | What the file typically has to carry |
|---|---|---|
| Below 580 | Identical. A satisfactory credit risk finding under 36.4340(g). | Documented explanation of the derogatory history, plus compensating factors the regulation calls unusual strengths. Fewer lenders will review the file at all. |
| 580 to 619 | Identical. | Residual income well above the West guideline, clean recent payment history, and a written basis for the credit risk finding under 36.4340(g)(1). |
| 620 to 639 | Identical. | This is where most published lender floors sit. The credit conversation usually gives way to the ratio and residual income conversation. |
| 640 to 679 | Identical. | Compensating factors stop being load-bearing. The 20 percent residual cushion still matters above a 41 percent ratio. |
| 680 and above | Identical. | Excellent long-term credit is itself a listed compensating factor at 36.4340(c)(5)(i), so a high score starts offsetting weakness elsewhere instead of needing offsets. |
The regulation is blunt about what counts as an offset. Paragraph (c)(6) says valid compensating factors should represent unusual strengths rather than mere satisfaction of basic program requirements, and that they must be relevant to the marginality or weakness.
Having a job is not a compensating factor. Having significant liquid assets, minimal consumer debt or high residual income is, and all three are on the list at (c)(5).
One thing worth knowing about self-employed files. The compensating factor list rewards long-term employment and stable income. A self-employed borrower's income takes a different documentation path before it can be counted at all. If that is your situation, the Nevada self-employed VA loan guide covers what has to be on file first.
What if you have no credit score at all?
VA loan applicants with no credit score at all are not disqualified by that fact. A thin file is a documentation problem. The regulation asks for careful analysis of the available credit data, and where the traditional data is thin, the analysis moves to what is there.
This is common around Nellis and Creech, and it is usually a young file rather than a damaged one.
A junior enlisted member who has never carried a card, never financed a car, and has had housing paid in kind may reach a first purchase with almost nothing for a score model to read. Nothing in 36.4340 treats that as a failure, because nothing in 36.4340 asks for a score in the first place.
What the file needs instead is evidence of the same behaviour by other means. Rent paid on time and documented. Utilities in your own name. Insurance premiums. A phone account.
Those establish the payment pattern the regulation is actually looking for, and they take months to build, which is why the honest advice for a thin file is to start the paperwork long before the house hunt.
For the broader picture of what a lender assembles at this stage, our parent company's walkthrough of how a thin file gets thicker before you apply covers the general mortgage version of the same problem across loan programs.
Does a Chapter 7 bankruptcy end it?
A VA loan survives a discharged Chapter 7. The regulation says it would not in itself disqualify the loan, and then sets out what has to be established instead. The waiting periods are a separate subject, and they are covered in their own guide rather than repeated here.
The relevant language sits in 36.4340(g)(2). A discharge under the straight liquidation and discharge provisions does not by itself disqualify the loan. What the file has to do instead is develop complete information about the facts and circumstances.
Where the discharge falls within the last one to two years, the regulation wants two things together. The first is credit obtained after the bankruptcy and met satisfactorily over a continued period. The second is a cause beyond the borrower's control.
It names unemployment, a prolonged strike, and medical bills not covered by insurance. It also says divorce is not generally viewed as beyond the borrower's control, and that the circumstances alleged must be verified.
Inside 12 months the regulation is direct. A discharge within the past 12 months will not generally support a finding that the borrower is a satisfactory credit risk. That is a timing rule, not a credit score rule. On these files the calendar matters more than the number.
Seasoning means how long you wait after a discharge before a lender will look at the file. Those periods are measured from the discharge date, not the filing date. They are set out in the Nevada VA loan after bankruptcy guide, which handles Chapter 13 as well.
Foreclosure is a different clock with its own rule, and this page does not cover it. That timeline lives in the same Nevada VA loan after bankruptcy guide. This page does not restate either set of dates. A rule stated twice on one site eventually contradicts itself.
Does your spouse's credit matter in Nevada?
In Nevada it can, and that is a state law difference rather than a VA one. Nevada is a community property state, and 36.4340(g) treats community property states differently from the rest of the country on exactly this point.
The regulation says that in other than community property states, if the spouse will not be contractually obligated on the loan, Regulation B prohibits any request for or consideration of information about the spouse concerning income, employment, assets or liabilities.
Then it adds the exception: in community property states, information concerning a spouse may be requested and considered in the same manner as that for the applicant.
Nevada is squarely inside that exception. NRS 123.220 provides that all property, other than that stated in NRS 123.130, acquired after marriage by either spouse or both spouses, is community property unless otherwise provided.
So a non-purchasing spouse's debts can reach a Nevada VA file in a way they would not in most states, and a married veteran in Las Vegas who assumed a spouse's balances were irrelevant should check that assumption early.
The mechanics of leaving a spouse off the loan while still living in Nevada are their own topic, handled in the non-purchasing spouse guide.
The decision rule
Nevada VA borrowers can settle this in three questions, taken in order, starting from the residual income figure in the table above. The branch you land on tells you what to fix first, and it is almost never the score.
- Is your residual income at or above the West guideline for your family size? If no, that is the first thing to fix, because it is the only test in the regulation with a published number attached to Nevada. Cutting a consumer debt payment moves it directly.
- Is it at or above the 20 percent cushion in the fourth or fifth column? If yes, a debt-to-income ratio above 41 percent stops requiring second level review, and you have the strongest compensating factor on the (c)(5) list working for you. If no, that gap is the highest-value number on your file to close.
- Is your score below the lender's published floor? Only now does the score matter, and the question to ask is not what is your minimum. It is which compensating factors from 38 CFR 36.4340(c)(5) would you accept on this file, and get the answer in writing.
Two files with the same score can get opposite answers, and the reason is almost always somewhere in that order rather than in the credit report.
Closing costs are the other number people underestimate at this stage, and the Nevada VA closing costs breakdown shows what lands on the settlement statement once the credit question is settled.
If you are working the whole qualification picture rather than just this one piece, the Nevada VA eligibility and preparation hub sequences the steps, and the Las Vegas VA loan overview is the wider program guide.
The same two-gate structure exists on the FHA side with one important difference: FHA does publish score thresholds. If you are weighing the two programs, the FHA credit score requirements page for Las Vegas sets out the numbers FHA actually names, which makes the contrast with VA's silence easy to see.
The bottom line
VA has no credit score requirement in Nevada. Your lender has one, the regulation says that is their call, and residual income is the lever that moves a marginal file across both gates.
- 38 CFR 36.4340 contains the phrase credit score zero times across 65,102 characters.
- The standard is a satisfactory credit risk finding based on careful analysis of the available credit data.
- Failure to meet one standard does not automatically disqualify a veteran.
- Lender floors are lender policy under 36.4340(c)(4), and a denial at one lender does not touch your entitlement.
- Nevada is in the West region, which carries the highest residual income figures in the table.
- West guideline for a family of four, loans of $80,000 and above, is $1,117.
- Active duty near a base cuts that by at least 5 percent, to $1,061.15.
- Clearing the guideline by 20 percent, $1,340.40 civilian or $1,273.38 active duty, removes second level review above a 41 percent ratio.
- A discharged Chapter 7 does not in itself disqualify the loan, and inside 12 months the timing rule rather than the score is what binds.
- Nevada is a community property state, so a non-purchasing spouse's credit data can be considered here when it could not be elsewhere.
Article history
- September 9, 2026, first published. Built from primary sources read the same day: the full text of 38 CFR 36.4340 at the Legal Information Institute, paragraphs (a), (c), (c)(2), (c)(3), (c)(4), (c)(5), (c)(6), (d), (e), (e)(3), (e)(4), (g), (g)(1) and (g)(2); VA.gov's eligibility page, last updated June 12, 2025; and NRS 123.220. The word counts reported in the opening section were measured by counting occurrences in the rendered section text, not taken from any secondary source. Every multiplication in the cushion table was recomputed independently before publication.
- September 9, 2026, the generic answer was kept and then taken further. Every page reviewed while researching this one gives the same two sentences. VA has no minimum, and most lenders want about 620. Then they stop. This page keeps both, then goes further. It gives the West region figures Nevada is actually judged against. It applies the 5 percent active-duty reduction at 36.4340(e)(4) that no reviewed page applied. It works the 20 percent cushion that removes second level review. And it covers the community property rule that only a handful of states have.
- September 9, 2026, this page ships with a diagram rather than a photograph, and that is a stated gap. The house standard asks for a small inline body photograph. Image generation is unavailable in this build, no existing image in the VA asset library is genuinely about credit underwriting, and reusing an image already published elsewhere on the estate is against the same standard. Rather than attach a decorative stock photograph, this build ships a diagram that explains the two-gate mechanism, and records the missing photograph as an open item.
Frequently asked questions
What credit score do you need for a VA loan in Nevada?
A VA loan in Nevada has no minimum credit score set by VA. The rule that governs VA underwriting, 38 CFR 36.4340, does not contain the phrase credit score anywhere in its 65,102 characters of text, and it does not contain the word FICO either.
What it requires instead is a finding that the veteran is a satisfactory credit risk, reached from a careful analysis of the available credit data. The number you are quoted comes from the lender, not from VA, which is why two lenders reading the same file can name two different floors.
Does the VA set a minimum credit score?
No. VA sets underwriting standards, not a score cutoff. 38 CFR 36.4340(a) says the standards are used to determine whether the veteran's present and anticipated income and expenses, and credit history, are satisfactory, and 36.4340(c) adds that failure to meet one standard will not automatically disqualify a veteran.
VA.gov states the practical consequence plainly: you must meet credit, income, and occupancy requirements from both the VA and your lender. Two bars, and only one of them is federal.
Why do lenders say 620 if the VA has no minimum?
Because 38 CFR 36.4340(c)(4) puts the decision on them. It says it is the lender's responsibility to base the loan approval or disapproval on all the factors present for any individual veteran.
A lender that carries the credit risk sets its own floor, publishes it, and applies it consistently to avoid fair lending exposure. Those floors are commonly published in the 580 to 660 range and they are lender policy, not VA policy. No figure in this article is a statement of what any particular lender will accept.
What residual income does a Nevada VA borrower need?
Nevada sits in VA's West region, which 38 CFR 36.4340(e) lists as Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington and Wyoming.
For loan amounts of $80,000 and above the West table asks for $491 for a family of one, $823 for two, $990 for three, $1,117 for four and $1,158 for five, with $80 added for each additional member up to a family of seven. Those are the highest regional figures in the table.
Do Nellis and Creech families get a different residual income figure?
Often yes, and it works in your favour. 38 CFR 36.4340(e)(4) says that for loan applications involving an active-duty servicemember or military retiree, the residual income figures will be reduced by a minimum of 5 percent if there is a clear indication that the borrower or spouse will continue to receive the benefits resulting from the use of facilities on a nearby military base.
For a family of four in Nevada that turns the $1,117 guideline into $1,061.15. The word minimum matters: 5 percent is the floor of the reduction, not a cap.
How does residual income help a lower credit score?
Through the compensating factors the regulation names itself. 38 CFR 36.4340(c)(5) lists thirteen examples of acceptable compensating factors. High residual income, excellent long-term credit, and minimal consumer debt are three of them. Long-term employment, significant liquid assets, and military benefits are three more.
And 36.4340(c)(3) singles out the first of those. Clear the guideline by 20 percent or more and your debt-to-income ratio can pass 41 percent without the extra review and paperwork. For a Nevada family of four that cushion is $1,340.40, or $1,273.38 once the active-duty reduction applies.
Can you get a VA loan with a recent Chapter 7 bankruptcy?
A discharged Chapter 7 does not by itself end it. 38 CFR 36.4340(g)(2) says a discharge under the straight liquidation and discharge provisions would not in itself disqualify the loan, while a discharge inside the past 12 months generally will not support a satisfactory credit risk finding.
Between one and two years the regulation wants re-established credit paid satisfactorily over a continued period plus a cause beyond the borrower's control. The waiting periods themselves are set out in the Nevada bankruptcy guide linked in this article rather than repeated here.
Does your spouse's credit affect a VA loan in Nevada?
In Nevada it can, and that is a state-level difference rather than a VA one. 38 CFR 36.4340(g) says that in community property states, information concerning a spouse may be requested and considered in the same manner as that for the applicant, while in other states Regulation B prohibits requesting spousal income, employment, assets or liabilities when the spouse will not be contractually obligated.
Nevada is a community property state under NRS 123.220, so a non-purchasing spouse's debts can reach a Nevada file in a way they would not in most of the country.
Get your file read before a number decides it for you.
Talk to a local Nevada mortgage lender about what your credit profile actually needs. A short conversation puts your residual income against the West region table, checks whether the active-duty adjustment applies to your household, and identifies which compensating factors in the VA regulation your file already carries. No pressure, no obligation.
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Sources
- Legal Information Institute, Cornell Law School, 38 CFR 36.4340, Underwriting standards, processing procedures, lender responsibility, and lender certification. Source of every quoted sentence on this page. Source of the word counts reported in the opening section: credit score 0, FICO 0, credit history 8, creditworthiness 4, credit 107, across 65,102 characters of section text. Also the source of the West region state list at (e), the residual income figures for loan amounts of $80,000 and above, and the 41 percent debt-to-income standard at (d). It is where the 20 percent residual income exception at (c)(3), the compensating factor list at (c)(5) and the unusual strengths language at (c)(6) are set out. It also carries the 5 percent military adjustment at (e)(4) and the credit analysis sentence at (g). And it is the source of the collections and judgment language at (g)(1) and the bankruptcy language at (g)(2). Read September 9, 2026.
- U.S. Department of Veterans Affairs, Eligibility for VA home loan programs, last updated June 12, 2025. Source of the quoted sentence that you must meet credit, income, and occupancy requirements from both the VA and your lender. Read September 9, 2026.
- Nevada Legislature, NRS Chapter 123, Rights of Husband and Wife. NRS 123.220 provides that all property, other than that stated in NRS 123.130, acquired after marriage by either spouse or both spouses is community property unless otherwise provided. Source of Nevada's community property status, which is what makes the 36.4340(g) community property exception apply here. Read September 9, 2026.
- Consumer Financial Protection Bureau, Regulation B, Equal Credit Opportunity Act. This is the rule 36.4340(g) points at. It limits what may be asked about a spouse who will not be contractually obligated on the loan. That rule is Regulation B, which the CFR text still cites as 12 CFR part 202 and which now lives at 12 CFR part 1002. Read September 9, 2026.
Keep exploring
Residual income
The Nevada residual income worksheet
The same West region table, worked from the income side, with the worksheet a lender fills in.
Derogatory credit
VA loans after bankruptcy in Nevada
The waiting periods this page deliberately does not restate, measured from the discharge date.
Income
Self-employed VA borrowers in Nevada
What has to be documented before the credit conversation becomes the relevant one.
Eligibility
Getting your Certificate of Eligibility (COE) in Nevada
The document that has to exist before any of this matters, and the route that stalls files.
Costs
VA closing costs in Nevada
What lands on the settlement statement once the credit question is settled.
Next step
Review my VA credit profile
Have your file read against the VA standard rather than against a floor.