VA Loan

NASB is VA-approved lender and is proud to serve those who serve this country. We make applying for a VA loan simple with no lender fees.

Call us (855) 465-0753 

Typically no down payment<sup>2</sup>

Jun 20, 2019, 15:50 PM

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Proud to be a Top VA Lender

Since 2010, NASB has helped more than 26,000 veterans and military families close more than $8.2 billion in home loans. Our dedicated loan consultants are VA loan specialists with a deep understanding of the eligibility requirements, loan process, and customer needs. Whether it’s a purchase, refinance, or jumbo VA loan, NASB can help. Here’s why you should choose NASB:

  • More than 15% of NASB’s loan officers are veterans themselves, so they understand your situation.
  • NASB does not charge an origination or application fee for VA loans.1
  • NASB has in-house processing and underwriting on virtually every loan to take you from application to closing faster.

VA Loan Requirements

Even though you may be eligible for a mortgage based on your service, there are also certain VA Lender qualifications that must be met in order to be approved:

1. Two years of steady employment.

2. The last two years of income should be either at the same level or higher.

3. Your credit score should have less than two 30-day late payments in the last two years and show a minimum credit score of 600.

4. You must be at least two years past a Chapter 7 bankruptcy discharge date and have a qualifying credit score since the discharge.

5. If you are in a Chapter 13 bankruptcy, you must have satisfactorily made at least 12 months of payments and the trustee or bankruptcy judge approved the new credit.

6. Any foreclosure must be at least two years old, and you must have perfect credit following the foreclosure date.

7. Purchasing or refinancing is subject to inspection to determine the marketability and verify the current market value.

Other conditions for your mortgage may apply; all loan applications are subject to underwriting approval. Contact a NASB consultant for more information.

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Cindy L.
My experience with NASB was exceptional. Everyone went above and beyond. They made the transition from applying for a loan to finalizing very easy and stress free.

Local banking. National lending.

More than 15% of NASB’s loan officers are veterans

Representing all branches of the military

Named Top VA Lender for 2018 by LendingTree

Based lender data and loan volume

Since 2010, NASB has helped over 26,000 veterans get loans

Based on lender data

Nationally competitive products. Individualized service.


1NASB does not charge lender fees on VA loans; however, fees payable to third party service providers are still required.

2VA loans require a down payment if the borrower does not have sufficient entitlement, for Graduated Loan Payment loans or one where the loan amount exceeds the property value. Typically Lenders, however, will also require a down payment of 25% (or more) for the amount in which the loan amount exceeds the conforming loan limit (‘Jumbo loans’).