DBA For James B. Nutter & Company NMLS 2067

VA Mortgages: Home Loans for Veterans & Active Military

What You Need to Know About VA Home Loans

Whether you’re a soldier returning from active duty, Veteran, family member of a Veteran, reservist or a member of the National Guard, please accept our deepest gratitude for your service to our country. By utilizing our VA Resource Center, you can use your VA Home Loan benefit as it was originally intended - as a reward for your service and to help you enjoy the next chapter of your civilian life as much as possible.

Without question, one of the best benefits for our service members continues to be the VA Home Loan Program, which has enabled more than 20 million Veterans achieve the American dream of homeownership. Learn more about your VA Benefits.

We are the VA Loan Experts

Founded by James B. Nutter, Sr., a U.S. Army Veteran. The first loan we ever closed in 1951 was a VA Home Loan - we’ve been helping Veterans with their home loans ever since.

Whether you’re purchasing a home or ready to refinance your existing home loan, for over 65 years, we’ve helped Veterans save hundreds, or even thousands of dollars a month, when they finance their mortgage with Nutter.

Read our Home Buyer’s Guide for Veterans.

The Basics: What is a VA Home Loan?

The VA Home Loan Program enables Veterans and soldiers who are currently service members obtain a VA Home Loan to help them buy a house. The U.S. Department of Veterans Affairs establishes the eligibility criteria and program features. Since 1944, the VA has been insuring VA Home Loans which have many attractive features, including 100% financing (zero down payment) for a home purchase and a number of outstanding refinance programs such as a streamline refinance program, or IRRRL, with no lender fees.

Learn more from The Department of Veterans Affairs Home Loans and Housing.

VA Loan Features:

0% down payment option
Fixed Rate or Adjustable Rate
Flexible loan terms (30-year, 20-year, 15-year)
No Closing Cost Refinancing options
No appraisal fees
No title fees
No costly discount points
and more!

Frequently Asked Questions (FAQs)

Who is eligible for a VA Home Loan?

  • Veterans
  • Active duty Servicemembers
  • Current or former National Guard or Reserve members who have been activated for federal service
  • Current National Guard or Reserve members who have never been activated for federal service
  • Discharged members of the National Guard who have never been activated for federal service
  • Discharged members of the Selected Reserve who have never been activated for federal service
  • Surviving spouses in receipt of D.I.C. (Dependency & Indemnity Compensation)
  • Surviving spouses who aren’t receiving D.I.C. compensation

Learn more about Eligibility Requirements for Servicemembers and Veterans, spouses, and other eligilble beneficiaries.

How long do I have to serve in order to qualify for a VA Home Loan?

  • 181 days during peacetime (active duty)
  • 90 days during wartime (active duty)
  • 6 years in the National Guard or Reserves
  • Spouse of service member who died in the line of duty or due to a service-connected disability

Learn more about Eligibility Requirements for VA Home Loans.

What kind of house can I buy with a VA Home Loan?

Single-family homes, townhomes and condominiums (with VA approval) are eligible, provided you agree to occupy the property. Investment properties and second homes are not eligible for VA Home Loans.

Learn more about eligible property types for VA Home Loans.

Do I have to make a down payment with a VA Home Loan?

No, in order to help as many Veterans as possible to buy a home, there is no VA down payment requirement. You can always make a down payment if you want to, but you don’t have to.

What is a VA Certificate of Eligibility (COE) and why do I need it?

By far the most important document to locate is your Certificate of Eligibility (COE). This document helps us calculate how much your VA Loan benefit is and therefore how much house you can afford to buy. The COE is a required document.

Learn more about your COE.

What if I can’t locate my Certificate of Eligibility (COE)?

Many Veterans are given a hard copy of their COE after they’ve been discharged, but if you’ve misplaced your COE you’ll need to get a new one. You can also call us at 1-800-875-7334 if you need help.

Learn more about obtaining your COE.

Why should I get preapproved with Nutter before I start looking for a house?

We highly recommend that you contact us to get a Preapproval Letter before you go house shopping. Not only is getting preapproved quick and easy (and free!), but in this highly competitive housing market many realtors insist that you have a Preapproval Letter in hand before you make an offer. With your Preapproval Letter from Nutter, you’ll also know how much house you can afford and whether there are any credit issues that need to be dealt with ahead of time. Get preapproved today - at no cost.

Learn more about getting preapproved for Veterans.

I already have a VA Home Loan and I’m interested in a VA Refinance. What is a VA Streamline Refinance?

The VA offers a VA Streamline Refinance - otherwise known as the Interest Rate Reduction Refinance Loan (IRRRL) which is a great refinancing program for those Veterans who already have a VA Loan.

The VA allows you to do a “streamline refinance” on your existing VA Home Loan to lower your interest rate without an appraisal and without having to qualify all over again.

At Nutter, we offer a VA Streamline Refinance with NO Closing Costs. This means that Veterans can take advantage of lower VA interest rates and with our quick and easy loan process, refinance with ease.

Learn more from the VA about the IRRRL.

The Benefits of Getting a Loan from Nutter Home Loans

  • We are one of the largest privately owned mortgage banking firms in the country.
  • Dedicated to borrowers nationwide since 1951. We’re licensed in all 50 states.
  • We have an A+ rating with the Better Business Bureau and believe in “If it’s not good for the customer, it’s not good for us.”
  • Our quick and easy online application process leaves you with less paperwork and more time for everything else. Plus, you can manage your mortgage online through our Customer Portal.
  • We offer some of the most competitive rates, including No Closing Cost Loan options - saving you money now, and in the future.
  • Our team of Home Loan Experts (non-commissioned, too!) are available via chat, email and phone to help you understand the details and whether a VA Loan is right for you.
  • We pride ourselves on having the best customer service in the industry – even after you close.

Sound a little complicated? Well, you’ve come to the right place.

Since 1951, we’ve helped people save hundreds, or even thousands of dollars a month, when they purchase or refinance their mortgage with Nutter.

Call 1-800-875-7334, send us an email or chat with us online and our team of non-commissioned Loan Officers will answer all your questions.

Additional Resources:

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