Learn the special benefits and requirements that come with veteran mortgage loans.

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Your service to our country comes with benefits.

If you are a veteran or are currently serving in the military, there are special benefits available for purchasing a home or refinancing a mortgage. These resources help you get the loan you deserve.
Minimum loan amount of $175,000 required to apply. Exceptions include mortgage products for properties located within the Greater Kansas City metro and surrounding areas. Contact a NASB Loan Officer for more details on the specific areas and/or zip codes excluded. 

Have questions about your VA loan? Here are some answers:

eBook: A VA Loan Guide to Home Buying  

Our free eBook will help guide you through the home buying process from start to finish.

Download here


Calculator: How much will my mortgage payments be? 

Plug in variables to determine how much you will be paying monthly.

View here

Blog: 2 Ways You Can Refinance Your VA Home Loan  

VA home loans offer military veterans the opportunity for affordable home ownership, and there are also two ways you can refinance a VA loan.

View here 


Calculator: Am I better off refinancing? 

Find out how much refinancing your home mortgage loan might benefit you.

View here

Apply for a VA loan

Click the link below to begin the loan process

Click here


Check Rates

Click the link below to check current VA loan and refinance rates.

View here


These products are specific to your VA loan needs:

  • No lender fees1
  • Typically no down payment2
  • No private mortgage insurance needed
  • VA-approved lender
  • No NASB Lender Fees1
  • 99% of our customers would recommend NASB3

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 620.
  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.

Jesse M.
Could not have asked for a better experience. Professional, courteous, and always keeping us in the loop.

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’).

3Based on 2,615 NASB closed loan customer surveys from January 1, 2018-May 28, 2019.