Empowering Veterans with Specialized Home Loans

Key Features

Zero down to own your home.

Full financing available.


No PMI needed.

Save on monthly costs.


Lower interest, more savings.

Benefit from reduced rates.




Credit Score

VA loans accommodate credit scores starting at 500, supporting our veterans. Should this requirement be challenging, alternative solutions are available.


Down Payment

There is no required down payment to obtain a VA loan.


Debt-to-Income Ratio

VA loans typically have a maximum debt-to-income ratio of 41%. This ensures that veterans can comfortably manage their loan repayments.

Additional Requirements


To qualify for a VA loan, you must meet one of the following criteria: you're an active-duty service member with sufficient service time, you're a veteran who has been honorably discharged, you're a member of the National Guard or Reserves with sufficient service time, or you're the surviving spouse of a service member who died in the line of duty or as a result of a service-related disability.

Certificate of Eligibility (COE)

You need a Certificate of Eligibility to prove your eligibility for a VA loan. This certificate can be obtained through the VA with our assistance.

Funding Fee

VA loans typically require a funding fee, which helps offset the cost of the VA loan program. The amount of the funding fee varies based on your military service, down payment amount, and whether you've used the VA loan program before.

For a complete list of requirements, please contact one of our loan experts. Loan requirements are subject to change. All information contained herein is for informational purposes only and while every effort has been made to unsure accuracy, no guarantee is expressed or implied. This is not an offer to extend credit or a commitment to lend.

¹Lower credit scores may require a higher down payment.

© 2024 Nevada Home Loans, Inc. is a DBA of Utah Mortgage, Inc. All rights reserved. 500 North Rainbow Blvd, Ste 300, Las Vegas, Nevada, 89107. NMLS #1432672 Equal Housing Lender. Licensed in 9 states. CA License No. 60DBO-146053, CO License No. 1525 North Main Street, Ste 100 Bountiful, UT 84010, NV License No. 500 North Rainbow Blvd, Ste 300, Las Vegas, NV 89107, License #4994, TX: 1525 North Main Street, Ste 100 Bountiful, UT 84010, WA: Consumer Loan Company License #1432672. If your state is not listed, it doesn’t require a specific license disclosure. For additional information visit our disclosure & licenses page.Any example scenarios are for informational purposes only, and while every effort has been made to insure accuracy, no guarantee is expressed or implied. Loans are subject to borrower and property qualifications. Contact any loan officer on the site, or the company directly for an accurate, personalized quote. Interest rates and any program guidelines are subject to change without notice. In addition, Nevada Home Loans, Inc. a DBA of Utah Mortgage, Inc. complies with Section 8 of RESPA and does not offer marketing services in exchange for referrals.Any wholesale logos displayed are trademarks of their respective companies.