VA Loans in Las Vegas
Supporting Veterans on Their Journey to Homeownership
At V.I.P. Mortgage, Inc., we’re proud to serve those who’ve served our country. Our VA home loan programs in Las Vegas help eligible Veterans, Active Duty Service Members, and surviving spouses achieve the dream of homeownership with flexible, affordable mortgage solutions backed by the U.S. Department of Veterans Affairs.
Whether you’re buying your first home or looking to refinance, a VA loan offers powerful benefits that can make your path to owning a home smoother and more accessible.
VA Loan BENEFITS
VA loans offer several unique features that help you save money and qualify more easily:
$0 Down Payment required with full VA entitlement*
No Private Mortgage Insurance (PMI)
Lower closing costs than many other loan options
No prepayment penalties
VA financing fees can be “rolled” into the loan amount
Eligible properties include single-family homes, townhomes, and VA-approved condos
VA Loan Eligibility
To qualify for a VA loan, you must obtain a Certificate of Eligibility (COE). Your eligibility depends on your:
Length and type of military service
Duty status (active duty, discharged, etc.)
Character of service
Our team can help you request and verify your COE quickly. Contact us today to get started.
VA Loan Programs
Adjustable-Rate Mortgage (ARM)
Perfect for military families who may relocate within a few years, a VA ARM loan starts with a lower interest rate during an initial fixed-rate period. After that, rates adjust based on market conditions, which may increase or decrease your monthly payment.
Want to learn more? Read our guide: Understanding Adjustable-Rate Mortgages (ARMs): Are They Right for You?
VA Fixed-Rate Mortgage
A VA fixed-rate mortgage keeps your interest rate consistent for the life of your loan, providing long-term peace of mind. Choose between a 15- or 30-year term and start building home equity that can help with a future cash-out refinance or next home purchase.
Cash-Out Refinance
Already own a home? A VA cash-out refinance loan lets you access your home’s equity and use the funds for:
Debt consolidation
Education expenses
Home renovations
Replacing a non-VA loan with a VA-backed loan
Interest Rate Reduction Refinance Loan (IRRRL)
If you currently have a VA loan, an IRRRL (also known as a VA Streamline Refinance) may help lower your interest rate and monthly payments—without needing to go through a full underwriting process.
You cannot receive cash at closing with an IRRRL. If you need access to funds, explore the VA Cash-Out Refinance instead.
Why Work with V.I.P. Mortgage, Inc.?
We understand the unique needs of military families. Our experienced loan officers are here to guide you every step of the way—from pre-approval to closing—with tailored solutions to fit your goals and lifestyle.
Looking to explore other loan types?
→ Conventional Loans in Las Vegas
→ FHA Loans in Las Vegas
Get Started with Your VA Home Loan in Las Vegas
Ready to find out if you qualify? We’re here to answer your questions and help you unlock the benefits of your VA loan eligibility.
Contact V.I.P. Mortgage, Inc. today for a free consultation or to get pre-approved.