VA loans in Las Vegas
Nellis and Creech AFB notes, Clark County loan limits and the VA funding fee, with sources.
Veterans & service members
VA home loans for veterans and service members
A benefit you earned through your service. VA loans may allow no down payment for eligible borrowers, and there’s no monthly PMI.
Harmony Home Loans is not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency.
Who it’s for
Is a VA loan right for you?
VA loans are a valuable tool military members and veterans may use to pursue home ownership, whether it’s your first home or your next one.
Veterans and active-duty service members
You must meet the VA’s minimum service requirements.
Qualifying National Guard and Reserve members
Certain Guard and Reserve members who meet the service requirements may be eligible.
Eligible surviving spouses
Some surviving spouses may also qualify for VA financing.
Buyers of a primary residence
VA loans are for the home you live in, not vacation homes or rental properties.
Buying near Nellis or Creech AFB? Our VA loans in Las Vegas page has local notes, the 2026 Clark County loan limits and the VA funding fee table, with sources.
How it works
Key features of a VA loan
A VA loan works like most home purchases: you make a written offer, then go through approval with a lender. The difference is the benefits, and the VA’s property standards.
No down payment may be needed
VA loans may allow no down payment for eligible borrowers, so you can keep savings for moving costs and reserves.
No monthly PMI
No private mortgage insurance is added to your monthly payment.
Fixed or adjustable
Fixed-rate terms, plus an adjustable-rate option.
Jumbo VA loans
Available for home purchases above standard loan limits.
Streamline later
Current VA borrowers may refinance with the VA IRRRL: a reduced funding fee and flexible documentation. About the IRRRL.
No prepayment penalty
Pay your mortgage off at any time.
What to expect
Good to know before you apply
You still need to qualify, and the home has to pass the VA’s standards. Here’s what that means in practice.
Qualifying
- Lenders look at your credit and your ability to pay the mortgage. VA credit requirements are flexible, but there is a credit check.
- If money is tight right now, a lender may suggest paying down debt or saving first. We’ll tell you honestly.
The home
- The VA requires an appraisal, and the home must be safe, sanitary and structurally sound (the VA’s minimum property requirements).
- Repairs found at this step can add time, but they don’t always rule a home out.
Costs
- Most VA loans include a one-time funding fee that helps sustain the program. It can often be financed into the loan, and veterans receiving disability benefits for a service-connected disability are exempt.
- You may still have closing costs, such as title recording and paperwork fees. Sellers can sometimes cover some or all of them, so talk it over with your agent before you make an offer.
How Harmony helps
Four clear steps with one team
We start with your goals, check your eligibility, and walk you through the VA appraisal and every step after it.
Initial goal analysis consultation
We go over your goals to understand your situation and what you need.
Solution preparation
We take what we learned and build out options for you: rates, closing costs and program structures.
Suggestion presentation
We walk you through what we found. If you like what we propose, we put your loan into process.
Execute
Our team guides you every step of the way to gather the documents and get you to closing.
Take the first step
Honesty, transparency, integrity, education and customer service in every step.
From our team
VA loans in under a minute
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Who is eligible for a VA home loan?
Active-duty service members, veterans, and certain National Guard and Reserve members who meet the VA’s minimum service requirements may be eligible, as can some surviving spouses.
Can I use a VA loan more than once?
Yes. As long as you have remaining entitlement, you can use a VA loan multiple times, even if you’ve used it before.
Do VA loans require a credit check?
Yes. VA loans have flexible credit requirements, but lenders still look at your credit history and financial stability.
What are the property requirements?
The home must be safe, sanitary and structurally sound, and meet the VA’s minimum property requirements (MPRs). The VA appraisal checks this.
Can I buy a second home or rental with a VA loan?
No. VA loans are for primary residences only, not vacation homes or rental properties. See our investment property loans for those.
Are there extra fees?
VA loans include a funding fee that helps keep the program going for future veterans. It varies by loan type and use and can often be financed into the loan. Veterans who receive disability benefits for a service-connected disability are exempt.
Ready to use your VA benefit?
Answer four quick questions. VA is already filled in.
Harmony Home Loans is not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency.
See my options for this loan
(702) 934-9625
4300 West Tropicana Ave, Building A, Suites 110-132, Las Vegas, NV 89103
Page last reviewed 2026-11-11.