VA Loans in Henderson, NV | Mortgages by Marlow

What is a VA Loan?

A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs, available to eligible veterans, active-duty service members, National Guard and Reserve members, and certain surviving spouses.

Because the VA guarantees a portion of the loan, lenders can offer more favorable terms than conventional financing — including no down payment and no private mortgage insurance.

Because they're government backed, VA loans offer some of the most borrower-friendly terms available; making them ideal for those who've served and want to buy a primary residence with minimal upfront cost.

🎯Who VA Loans Are Best For

VA loans are ideal for Henderson veterans, active-duty service members, and eligible surviving spouses who want to buy a primary residence with little to no upfront cost.

You may benefit most if:

You are an eligible veteran, active-duty service member, National Guard/Reserve member, or surviving spouse
You have a valid Certificate of Eligibility (COE)
You have consistent income and job history
You want to minimize or eliminate your down payment
You want to avoid monthly mortgage insurance payments

💬Tip: Not sure if you're eligible? We can help you pull your Certificate of Eligibility and walk you through exactly what your VA benefit covers.

Henderson Loan Limits & Pricing

VA loans no longer have a standard loan limit for borrowers with full entitlement — meaning eligible veterans can borrow above conforming limits with 0% down, as long as they qualify for the payment.

As a direct wholesale lender and broker, we shop our clients' file with dozens of investors to find the best combination of rate, costs, and service. Taking the extra step of shopping for our clients usually results in our clients saving thousands of dollars over the life of the loan.

VA Loan Options We Offer

We tailor every loan to your needs, including:

VA Purchase Loans

Finance the purchase of your primary residence with 0% down and no PMI. Best for veterans and service members ready to buy their next home in Henderson or Las Vegas.

VA Streamline Refinance (IRRRL)

Quickly refinance an existing VA loan to a lower rate with reduced documentation and no appraisal in many cases. Ideal for veterans who already have a VA loan and want to lower their rate or payment.

VA Cash-Out Refinance

Access your home's equity while refinancing into a new VA loan — useful for debt consolidation, home improvements, or other major expenses.

The VA Funding Fee and How It Works

Unlike conventional loans with PMI, VA loans use a one-time VA funding fee instead of monthly mortgage insurance. This fee helps keep the VA loan program running for future veterans and can often be rolled into your loan amount rather than paid out of pocket.

The funding fee amount varies based on your down payment, loan type, and whether it's your first time using your VA benefit. Veterans receiving VA disability compensation are often exempt from the funding fee entirely. We'll walk you through exactly what applies to your situation.

🔎Frequently Asked Questions

Do I need a down payment for a VA loan?

No. Eligible veterans and service members can finance up to 100% of the purchase price with no down payment required.

Is there a minimum credit score for VA loans?

The VA doesn't set a minimum, but most lenders, including us, typically look for a credit score around 580-620 or higher depending on the full financial picture.

Can I use a VA loan more than once?

Yes. VA loan benefits can be reused, and in many cases, restored, throughout your lifetime as long as you have remaining entitlement.

How long does it take to close?

Most VA loans close in 2-4 weeks. Having your Certificate of Eligibility and paperwork ready early in the process helps speed everything along.

VA Loans

Home financing that honors your service