Military and Veteran First-Time Home Buyer VA Loan


A VA loan is an exclusive, low-cost loan that helps active-duty service members and veterans achieve their dream of homeownership. These home loans are backed by the Department of Veterans Affairs, they do NOT require a down-payment and have a more desirable interest rate. When compared to Conventional loan interest rates or FHA requirements, it’s hard to pass on all the benefits that come with a VA loan, especially when seeking first-time homeownership.


Why Choose NASB for your First VA Home Loan?

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4.85/5 Bank Mortgage Review Score 
(Based on 568 customer surveys as of 05/01/18)



Award-Winning Service

Not only is NASB a nationwide, VA-Approved Lender with more than 90 years of experience, but we’re also recognized as one of the Top VA Lenders of 2017*.

What sets North American Savings Bank (NASB) apart from other VA mortgage lenders? NASB does not charge any points, plus we offer a streamlined refinancing program which allows qualified VA mortgage borrowers to refinance at a substantially reduced cost.

We Hire Veterans

We’ve got your six – NASB has veterans from every military branch on our team who understand your situation and have your back. If you are overseas or it’s zero dark thirty, a NASB representative is available 24/7 to walk you through the first time home buyer process and answer any questions you may have. From income verification, debt-to-income limits, mortgage payments, all the way to closing costs, we'll cover any questions you may have about the guidelines.  Just give us a call at 1-855-338-0915.



Are you Eligible for a VA Home Loan?  The Department of Veterans Affairs Requires that:

  • You’ve served 90 consecutive days of active service during wartime
  • You have 6+ years of service in the National Guard or Reservists, or a combination of the two
  • You’ve served 181 days of active service during peacetime
  • You are the spouse of a service member who has died in the line of duty or as a result of a service-related disability

If none of the above applies to you, you may still be eligible. Contact one of our experienced loan consultants to find out.

How do VA loan benefits work?

Eligible VA mortgage borrowers may finance up to 100% of the purchase price of a home, with a maximum amount of $422,100 in most counties. What many don’t know is that VA benefits never expire, and you may use your benefits as many times as you wish for future home mortgages or refinances.

Just remember: even if you use the majority or even all of your VA entitlement to purchase your first home, your entitlement can be fully restored once you repay your loan in full.



Save Time & Money
with NASB

  1. No Origination Fees
  2. No Lender Fees*
  3. No Private Mortgage Insurance (PMI)
  4. $0 Down Payment
  5. In-House Processing for
    Faster Closes

*NASB does not charge lender fees on VA loans; however, fees payable to third party service providers are still required. 


NASB's Simple 5-Step Process for VA Loans


In order to qualify for a VA loan, you’ll first need to prove your military status with a Certificate of Eligibility (COE). If you are separated or retired from the military, or in the Reserves or National Guard, additional documentation is required. A NASB loan officer can help you find out if you’re eligible and assist you in obtaining these documents – Just give us a call at 1-855-338-0915

The pre-qualification process determines what your loan amount will be, once we’ve verified your VA entitlement. If you’re ready to get started, set up a time to talk!

Just as you’ll want to work with a VA-approved lender, you’ll want to seek out a real estate agent who is familiar with the VA home buying process as you start your search. Also keep in mind that while a down-payment is not required for a VA loan, you will need money for an earnest money deposit, VA funding fee, and possibly an inspection.

This is when you (and any co-borrowers) will need to provide us with all of the important documents. Try to gather these up early on so that you aren’t rushed. In order for your application to be approved, you will also be required to order an appraisal.

Once you’ve been approved for a mortgage loan and the appraisal has been completed, the home is ready to be legally transferred over to its new owner: You the buyer!

Have home buyer questions? Call a Professional VA Loan Expert at 1-855-338-0915

Get Started Today with your First VA Home Loan

Request a Quote

To receive a personalized rate quote, or get pre-qualified online, fill out the form and a loan officer will be in contact with you. You can also call 1-855-338-0915 to speak with a loan officer today about qualifying as a first time home buyer.

If you would prefer to schedule an appointment to talk, click here.  We offer both fixed-rate and adjustable rate mortgage. (Check mortgage rates).


By clicking the Submit button you agree that you are providing an electronic signature expressly authorizing NASB to contact you by telephone at any of the telephone number(s) provided above using an automatic telephone dialing system or an artificial or prerecorded voice or via text/SMS message, even if the telephone number is assigned to a cellular telephone service or other service for which the called party is charged. NASB may also contact you via email using any email address you provided. This authorization overrides any previous registration on a federal, state or corporate Do Not Call Registry or any internal NASB privacy or solicitation preference you have previously expressed. You are not required to provide this authorization as a condition of purchasing any property, goods or services from NASB. As an alternative, you may call us directly at (866) 627-7119 and we will process your request over the phone.


NASB Mortgage Loan Reviews

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Loan Review

Everyone I dealt with was a top notch professional. It makes me even prouder having served my country, knowing I got this type of excellent treatment. Thank you NASB and everyone involved. Someday I would like to meet each and everyone involved in this transaction, you people are what America is made of, thank you again for the smooth transaction.

- John from Indiana


va loan review


Loan Review

My loan officer was always available to me, even when I would leave a message he would get back to me promptly. While working with NASB, I felt like he was working for me and not just his company. His team was very helpful in gathering information to complete my loan.


- Tracey from Oregon


va loan review


Loan Review

NASB and its staff are awesome. They actually have their act together and can help you navigate through the entire process with ease. This is my 3rd loan through them. I would highly recommend.


- Dale from Maryland