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Nellis AFB, Creech AFB · Clark County

VA Loans in
Las Vegas, NV

$0 down payment. No PMI. VA rates from 5.750%. Valley West Mortgage is licensed in NV and serves veterans throughout Henderson, Summerlin, North Las Vegas, Spring Valley, Enterprise, and all of Clark County.

Check Your Las Vegas VA Rate (702) 696-9900
5.750%
VA 30yr Rate
$0
Down Payment
$832,750
Clark County Limit
$435,000
Median Home Price
LAS VEGAS VA LOANS

Why Veterans in Las Vegas Choose VA Loans

$0 Down in Las Vegas

At a median price of $435,000, a conventional loan would require $21750+ down (5%). With a VA loan, you keep that cash in your pocket.

No PMI Savings

On a $435,000 home in Clark County, you save approximately $200-350/month by avoiding private mortgage insurance that FHA and conventional loans require.

Local Expertise

Valley West Mortgage is headquartered in Las Vegas and has been serving NV veterans since 2004. We know the Las Vegas market inside and out.

PAYMENT ESTIMATE

VA Payment in Las Vegas

Estimated monthly P&I on a $435,000 home
$2,538

5.750% rate · 30-year fixed · $0 down · $0 PMI

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NEARBY BASES

Military Installations Near Las Vegas

Active duty, veterans, Guard, Reserve, and eligible surviving spouses stationed at or near Nellis AFB, Creech AFB can use their VA benefit to buy a home in Clark County.

Check Your VA Eligibility →
FAQ

Las Vegas VA Loan Questions

VA 30-year fixed rates in Las Vegas, NV start at 5.750% as of March 2026. VA 15-year rates start at 5.500%. These are wholesale broker rates from Valley West Mortgage for 740+ credit scores. Your personalized rate depends on your credit profile and loan details.
The 2026 conforming loan limit in Clark County is $832,750 for a single-family home. However, veterans with full entitlement have no loan limit and can purchase at any price with $0 down.
A typical VA purchase in Las Vegas closes in 25-30 days. Valley West Mortgage regularly closes in 21 days thanks to our local market knowledge and wholesale lender relationships. VA IRRRL refinances can close in as little as 15 days.
Yes, as long as the condo complex is VA-approved or qualifies under the VA single-unit approval process. Valley West can check VA approval status for any condo in Clark County and help you navigate the approval process if needed.
RELATED

Related Resources

All Nevada VA LoansHenderson VA LoansVA Purchase ProcessToday's VA RatesClark County Loan Limits
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EXPLORE

Related Resources

Henderson VA LoansNevada VA LoansVA PurchaseVA Rates TodayPayment CalculatorVA Eligibility
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REVIEWS

What VA Buyers Say

★★★★★

"$0 down, no PMI, lowest rate I found. Valley West closed my VA loan in 24 days."

— VA buyer, Las Vegas
★★★★★

"Third VA purchase with Valley West. They shop 50+ lenders every time. Always the best deal."

— VA buyer, Henderson
★★★★★

"Saved $66K over conventional. Zero fees, zero hassle. Valley West knows VA loans."

— VA buyer, North Las Vegas
YOUR VA RATE

Get Your Personalized Rate

VA rates from 5.750%. $0 down. No PMI. Check your rate in 60 seconds.

Check Your VA Rate (702) 696-9900

No SSN required · No credit impact · NMLS #65506

WHY US
The Valley West Difference
50+
Lenders competing for your VA loan.
$0
Down payment. $0 PMI. $0 fees.
28
Average days to close.
4.9★
790+ five-star reviews.
Check Your VA Rate →

VA Loan Resources

→ VA Eligibility → VA Rates Today → VA Calculator → VA Purchase → VA Refinance → VA Guide → First-Time Buyer → Funding Fee → Closing Costs → VA vs FHA
FAQ

Frequently Asked Questions

Yes. Valley West Mortgage is based in Las Vegas and provides VA home loans throughout the Las Vegas Valley including Summerlin, Spring Valley, Enterprise, and the entire Clark County area. We are located at 8010 W Sahara Ave Suite 140.

Las Vegas (Clark County) follows the 2026 baseline conforming loan limit of $766,550. Veterans with full entitlement can borrow above this limit with $0 down. There is no maximum loan amount for veterans with full entitlement.

Las Vegas is one of the best markets for VA home buyers due to proximity to Nellis AFB, no state income tax, relatively affordable housing compared to California, and a large veteran community. Nevada ranks among the top states for VA loan volume.

As of 2026, the median home price in Las Vegas is approximately $425,000-$475,000. Summerlin and parts of the southwest tend higher ($500K+), while North Las Vegas and eastern areas offer options in the $300K-$400K range — all within VA loan limits.

Valley West Mortgage averages 21-day closings on VA loans in Las Vegas, faster than the national average of 45-50 days. Our local presence means faster appraisals, same-day title orders, and direct relationships with Clark County recording offices.

VA rates from 5.750%
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