Dedicated to helping Nevada's veterans, active duty military, and their families achieve homeownership with the full power of their hard-earned VA benefits.
At VAHomeLoans.services, we believe every veteran and active duty service member in Nevada deserves to experience the American dream of homeownership - without the barriers of traditional mortgages.
Founded by veterans who understand the unique challenges of military life, we're committed to making the VA loan process simple, transparent, and fast. We're not just lenders - we're advocates who ensure you maximize every benefit you've earned through your service.
The principles that guide every decision we make and every veteran we serve
Your service matters. We treat every veteran with the honor and respect you've earned through your sacrifice.
No hidden fees, no surprises. We explain every step clearly so you understand exactly what you're getting.
We know your time is valuable. Our streamlined process gets you pre-approved fast and closed on time.
We're not the biggest lender, but we're the best at what we do: VA loans for Nevada heroes
100% of our focus is on VA loans. We know the program inside and out, and we stay updated on every change that affects Nevada veterans.
Deep roots in Las Vegas, Henderson, Reno, and throughout Nevada. We understand local markets, neighborhoods, and what it takes to win in this competitive market.
Talk to a real person when you need us. No automated phone trees, no "your call is important" messages. Just honest help from people who care.
Don't have your Certificate of Eligibility yet? No problem. We'll help you obtain it quickly so nothing slows down your home purchase.
We shop multiple investors daily to ensure you get the best possible VA loan rate - often beating the big banks by a significant margin.
Strong relationships with Nevada real estate agents who understand VA loans and won't steer you away because of misconceptions about the program.
Join the 1,500+ Nevada veterans who've trusted us to make their homeownership dreams come true
30+ years of mortgage industry expertise dedicated to serving Nevada veterans
Chief Executive Officer & Founder
Vatche Saatdjian brings over three decades of mortgage industry expertise to Valley West Mortgage. As a recognized expert on VA loans in Nevada, he has personally overseen more than 12,000 VA loan closings since founding the company in 2009.
His deep understanding of VA loan guidelines, Nevada real estate markets, and military family needs has made Valley West the trusted choice for veterans in Las Vegas, Henderson, Reno, and throughout Nevada.
All content on vahomeloans.services is edited and reviewed by CEO Vatche Saatdjian to ensure accuracy and compliance with current VA loan guidelines.
Valley West Mortgage was founded in 2009 by former military servicemembers who experienced firsthand the frustration of navigating the VA home loan process with lenders who didn't fully understand military life or VA benefits. After witnessing countless veterans struggle with unnecessary red tape, confusing explanations, and lenders who viewed VA loans as "too complicated," our founders made a commitment: create a mortgage company exclusively focused on serving those who served.
What started as a small office in Las Vegas has grown into Nevada's premier VA home loan specialist, helping over 12,000 veterans, active duty military members, National Guard, and Reserve families achieve homeownership. Unlike national banks that process VA loans as a small percentage of their business, VA loans represent 100% of our focus—we don't dabble in VA financing; we master it.
Our team includes veterans from the Air Force, Army, Navy, and Marines who understand military relocations, deployment challenges, and the unique financial situations military families face. When you work with us, you're not explaining military acronyms or justifying PCS orders to someone unfamiliar with military life—you're working with people who've walked in your boots.
We've built strong relationships with Nevada's military installations including Nellis Air Force Base, Creech Air Force Base, Naval Air Station Fallon, and Nevada National Guard units across the state. These partnerships allow us to provide specialized guidance for military members stationed in Nevada, whether you're buying your first home near Nellis, relocating to Reno's Washoe County, or purchasing investment property in Henderson.
Nevada's housing market is unlike any other state. From Las Vegas's rapid appreciation cycles and high-density condo developments to Reno's booming tech-driven market and rural properties in Pahrump, Mesquite, and Carson City, each Nevada region requires specialized knowledge. Our loan officers live and work in Nevada communities, providing hyperlocal market insights that national lenders simply cannot match.
We understand Nevada-specific challenges like VA property requirements for aging Henderson homes, condo approval complexities in Las Vegas high-rises, and appraisal considerations for rural properties where comparable sales are scarce. This expertise directly translates to smoother transactions and fewer last-minute surprises that could derail your closing.
Our relationships with Nevada real estate agents, appraisers, and title companies have been cultivated over 14 years. When your offer needs to stand out in a competitive Las Vegas market, working with a trusted local VA lender like Valley West Mortgage signals to sellers that your financing is solid—not a liability. According to the National Association of Realtors, offers backed by pre-approval from reputable local lenders close 23% faster than those with unfamiliar lenders.
Too many veterans discover their VA benefits only after years of paying rent or struggling with high-interest conventional mortgages. We're committed to changing that through aggressive veteran education initiatives. Our comprehensive VA Loan Learning Center provides free resources including detailed guides, calculators, video tutorials, and downloadable checklists covering every aspect of the VA home loan process.
We host regular homebuyer seminars at Nevada military bases, veterans' service organizations, and community centers throughout Las Vegas, Henderson, and Reno. These free workshops cover VA loan basics, Nevada market trends, credit building strategies, and how to maximize your benefits. Our educational commitment extends to one-on-one consultations where we explain VA funding fees, residual income requirements, and entitlement calculations in plain English—never mortgage industry jargon.
Transparency is non-negotiable. From day one, you'll receive a detailed Loan Estimate showing exactly what you'll pay—no hidden fees disguised as "processing charges" or unexpected rate increases at closing. We believe veterans deserve honesty after serving with honor, and our commitment to transparency has earned us an A+ Better Business Bureau rating and over 2,847 five-star reviews from Nevada veterans.
While we embrace cutting-edge mortgage technology for efficiency, we reject the "fully digital" model that treats veterans like transaction numbers. Our hybrid approach combines powerful online tools—interactive calculators, secure document upload portals, real-time loan status tracking—with dedicated human support from loan officers who answer your calls, not automated phone trees.
Need to upload your DD-214 at 2 AM before your weekend house hunting trip? Use our mobile app. Prefer discussing loan options over coffee at our Las Vegas office? We'll make time. Deployed overseas and need to coordinate a remote closing? We've done it hundreds of times with specialized Power of Attorney arrangements and video notary services. Technology should enhance—not replace—personal relationships, especially for military families dealing with the stress of home purchases.
Our average pre-approval time is 24-48 hours with complete documentation, and 78% of our VA loans close within 30 days—significantly faster than the national average of 47 days. Speed matters in Nevada's competitive market where desirable properties receive multiple offers within days of listing. Veterans working with Valley West Mortgage have a documented competitive advantage when bidding against conventional and FHA buyers.
Valley West Mortgage actively supports Nevada veteran organizations including Wounded Warrior Project Nevada Chapter, Veterans Village Las Vegas, and Reno-Sparks Veterans Coalition. We sponsor annual homebuying workshops, provide financial literacy training, and donate a portion of every loan closing fee to local veteran charities. Our "Heroes First" initiative has raised over $180,000 for Nevada veterans' causes since 2015.
We advocate at the state level for veteran housing protections, improved VA loan processing efficiency, and policies that benefit military homebuyers. Our CEO serves on the Nevada Veterans Services Commission advisory board, ensuring veterans' voices influence housing policy decisions. This isn't marketing—it's mission-driven commitment to the military community that gave us everything.
Valley West Mortgage operates under NMLS #65506 with full licensing in the State of Nevada. All loan officers maintain individual NMLS certifications and complete annual continuing education requirements exceeding state minimums. We're members of the National Association of Mortgage Brokers (NAMB) and Nevada Association of Mortgage Professionals (NAMP), adhering to strict ethical standards and best practices.
Our operations comply with all federal and state lending regulations including the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), and Fair Housing Act. We maintain comprehensive errors and omissions insurance, participate in regular compliance audits, and employ a dedicated compliance officer to ensure every transaction meets or exceeds industry standards.
You can verify our licensing status and review our company history at the NMLS Consumer Access website, where our spotless regulatory record and zero consumer complaints over 14 years demonstrate our commitment to ethical lending practices. When you choose Valley West Mortgage, you're working with a fully licensed, VA-approved lender with the highest standards of professional conduct.
Join thousands of Nevada veterans who've trusted us to make their homeownership dreams a reality. Get pre-approved in 24 hours and discover why we're Nevada's #1 VA lender.
Experienced VA loan specialists dedicated to serving Nevada veterans
Our team includes veteran loan officers who understand military life and VA benefits firsthand
All loan officers are Nevada-licensed and maintain current NMLS certifications with ongoing education
Deep knowledge of Nevada housing markets in Las Vegas, Henderson, Reno, and throughout the state
Honored to serve Nevada's veteran community
Better Business Bureau accredited with highest rating
2,847 five-star reviews from satisfied Nevada veterans
Helped over 12,000 Nevada military families achieve homeownership
Fully licensed and compliant with Nevada lending regulations