VA Loans

If you’re an active-duty military service member, Veteran or the family member of a Veteran, please accept our deepest gratitude for your service. A grateful nation thanks you!

The VA Loan program continues to be one of the best benefits for Veterans and has helped more than 20 million Veterans achieve the dream of homeownership.

We are the experts in VA Loans.

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

For over 65 years, we have helped Veterans save hundreds, or even thousands of dollars a month, when they purchase or refinance their mortgage with Nutter.

VA Loan Features (that can save you real money):

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

Tips to Get Started:

  • Find your VA Certificate of Eligibility (COE). By far the most important document to locate is your Certificate of Eligibility (COE), which enables Nutter to calculate how much your VA Loan benefit is and thus how much house you can afford. 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. Learn more about your VA Benefits. We can help you as well!

  • Get Preapproved with Nutter. Once you’ve got your COE in hand, it’s a smart move to get preapproved. Not only is getting preapproved quick and easy (and free!), but in this highly competitive housing market many realtors insist that homebuyers have a preapproval letter when they’re shopping for a home. Learn more about Getting Preapproved.

  • Interest rates for VA Loans are currently lower than other types of home loans. Now is a great time to buy a home, especially with property values rising and interest rates near historic lows. Even better, interest rates for VA Loans have recently been about .50% lower than Conventional Loans, which could save you an average of $3,100 per year on a $250,000 mortgage. View our current mortgage rates.

  • Avoid excessive lender fees with a Nutter Home Loan. This applies to any homebuyer whether you’re a Veteran or a civilian, but in the case of Veterans it’s especially important because lender fees can count against the amount of your VA Loan benefit. Unfortunately, not all mortgage lenders are created equal and many will charge you a small fortune in closing costs. If you want to get the most out of your VA Loan eligibility, choose Nutter— we don’t charge all the extra fees other lenders do.

  • Don’t listen to the media—VA Loans are not “hard to process”. A popular misconception about VA Loans is that they’re more difficult for a lender to close than other loans. With our simple loan process at Nutter, VA Loans are just as easy to close as other loans. We’ve never declined to take a VA Loan application because “those loans are just too hard to close.” Quite the opposite, in fact. We value Veterans and their families and would like nothing more than to help them buy a home. It’s the very least we can do to thank them for their service! Learn more with our Nutter Guide to Buying a House.

  • The VA offers a great refinance program—the Interest Rate Reduction Refinance Loan (IRRRL) Program. For those Veterans who already have a VA Loan, the VA allows you to do a “streamline refinance” on your VA Loan without an appraisal and without having to fully requalify all over again. Nutter even offers this program with No Closing Costs. This means that it’s quick and easy for Veterans to take advantage of lower interest rates and refinance their mortgage with Nutter. Learn more about the IRRRL. Also, check out the VA Home Loans and Housing Page.

Need More Help?

Our experienced Loan Officers are just an email or a phone call away to answer all your questions.

Why you should choose Nutter for your VA Loan

  • We offer some of the most competitive interest rates in America, including No Closing Cost Loans - saving you money now, and in the future.

  • We won’t charge you all the extra fees other lenders do.

  • For over 65 years our motto has been, “If it isn’t good for the customer, it isn’t good for us.” We pride ourselves on having the best customer service in the industry – even after you close.

  • With our simple online loan process, you’ll close quickly and efficiently.

  • As an approved VA Lender, we’ll make sure you understand all the details of what a VA Loan has to offer and get the best mortgage for you.

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Contact Us (800) 875-7334