Reviewed by Vatche Saatdjian, CEO · 30+ years mortgage industry experience · VA loan specialist
Serving active duty, Guard, Reserve, and veteran families stationed at or near Nellis AFB. Zero down payment options, no PMI, and local expertise for your Las Vegas-area home purchase.
Your military service unlocks home financing benefits that save thousands over the life of your loan.
Purchase up to $806,500 in Clark County with $0 down. On a $425K home, that's $85K you keep in your pocket versus conventional 20% down.
Skip the $200-$400/month private mortgage insurance that conventional borrowers pay. That's $2,400-$4,800 saved every year.
VA loans typically offer 0.25-0.5% lower rates than conventional mortgages. On a $400K loan, that's $40K+ saved over 30 years.
VA allows sellers to pay up to 4% of sale price toward your closing costs—more than conventional allows. That's $17K on a $425K home.
VA guidelines are more forgiving than conventional loans. Many Nellis service members qualify with credit scores from 580-620.
Use your VA benefit multiple times. Perfect for PCS moves—sell your home, restore entitlement, and buy again at your next duty station.
Nellis Air Force Base is located in Clark County, Nevada, approximately 8 miles northeast of Las Vegas. Home to the USAF Warfare Center, Nellis hosts the world-renowned Red Flag exercises and supports over 12,000 military personnel and their families.
The base's proximity to Las Vegas means service members have access to diverse housing options across North Las Vegas, Aliante, Centennial Hills, and surrounding communities—all within a 20-30 minute commute.
Currently serving with 90+ days active duty (181 days peacetime).
Honorably discharged with qualifying service time.
6+ years of service or 90+ days activated under Title 10.
Un-remarried spouse of veteran who died in service or from service-connected disability.
Not sure if you qualify?
Check eligibility in 60 secondsOur local VA loan specialists understand military timelines, PCS orders, and the Las Vegas housing market. Get pre-approved and start your home search today.
Equal Housing Lender · Valley West Mortgage · NMLS #65506
Not affiliated with the Department of Veterans Affairs or any government
agency. All loans subject to credit approval, income verification, and
property appraisal. Terms and conditions apply.