Can I use a VA loan multiple times?

Yes! Your VA loan benefit is reusable. Once you pay off a VA loan and sell the property, your entitlement is restored.

What properties are eligible for VA loans?

VA loans can be used for single-family homes, condos (VA-approved), townhouses, and multi-unit properties (up to 4 units) as primary residence.

How do I get my Certificate of Eligibility (COE)?

Your Nevada VA lender can obtain your COE electronically. You can also apply through the VA's eBenefits portal or mail Form 26-1880.

Honoring Those Who Served

VA Loans in Nevada

Honor your service with 0% down payment, no PMI, and competitive rates. VA loans make Nevada homeownership easier for veterans, active military, and qualifying spouses.

0%

Down Payment

$0

PMI Required

$766K

NV Limit

100%

Financing

Get Pre-Approved (702) 696-9900

VA Approved Lender

Veteran-Friendly Service

What is a VA Loan?

VA loans are guaranteed by the Department of Veterans Affairs, offering eligible service members, veterans, and surviving spouses the opportunity to buy a home with no down payment and no mortgage insurance.

VA Loan Benefits

0% Down Payment

Purchase a Nevada home with no down payment required. Finance 100% of the purchase price.

No Private Mortgage Insurance

Save hundreds per month by avoiding PMI, even with 0% down payment.

Competitive Interest Rates

VA loans typically offer lower rates than conventional mortgages due to government backing.

Flexible Credit Requirements

No VA-mandated minimum credit score. Lenders typically require 620+, but exceptions are possible.

Reusable Benefit

Use your VA loan benefit multiple times throughout your life for purchases and refinances.

VA Loan Eligibility

Who Qualifies?

Active Duty: 90+ consecutive days of service
Veterans: 90+ days wartime or 181+ days peacetime
National Guard/Reserves: 6+ years of service
Surviving Spouses: Of service members who died in service or from service-related disability

VA Funding Fee

While there's no PMI, most borrowers pay a one-time VA funding fee:

First-time use (0% down) 2.15%

Subsequent use (0% down) 3.3%

With 5%+ down 1.5-1.65%

Veterans with service-connected disabilities are exempt from the funding fee.

Nevada VA Loan Limits (2025)

Clark County (Las Vegas) $766,550

Most Nevada Counties $766,550

Veterans with full entitlement can borrow above these limits with no down payment in many cases.

VA Loan Types

Choose the right VA loan for your situation

VA Purchase Loan

Buy your Nevada home with 0% down payment. Perfect for active military and veterans purchasing their primary residence.

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VA IRRRL (Streamline)

Refinance your existing VA loan with minimal paperwork. Lower your rate and payment with no appraisal required.

Learn More

VA Cash-Out Refinance

Access your home equity for debt consolidation, renovations, or major expenses while keeping your VA loan benefits.

Learn More

VA Loan FAQs

Ready to Use Your VA Benefits?

Get pre-approved for a VA loan in Nevada and start your homeownership journey.

Get Pre-Approved (702) 696-9900