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Nebraska VA Loans

  • Buy a Home with 0% Down
  • Refinance to Lower Monthly Payments
  • Lower your monthly payment
  • Easy to Qualify
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Secure a VA Mortgage in Nebraska

Veterans in Nebraska can qualify for a Nebraska VA loan.  This specialized loan type allows veterans to purchase a home or refinance a current mortgage, all with the security and backing of the Department of Veteran Affairs (VA).

Jump to: Eligibility | Loan Limits

What is the VA Loan?

The VA loan program helps veterans purchase homes.  Any veteran who meets the minimum eligibility standards is qualified.  Read more about this below.

It’s important to note, however, that the VA does not administer loans itself.  All VA loans are provided through traditional lenders and are backed by the VA.  This eliminates a portion of the lending risk for lenders and allows them to originate loans that are highly favorable to veterans.

VA Loan Benefits in Nebraska

Some of the characteristics that make these loans so favorable are listed here.

  • Closing costs can be included in the overall loan price.
  • No need to pay for private mortgage insurance.
  • No high credit score required.  No high income required, either.
  • No down payment necessary.
  • You can select from a number of different loan types.

VA Loan Requirements and Eligibility

Eligibility for a VA loan is simple to determine, though it’s not easy to obtain.  Military service is always a difficult and brave thing to accomplish.  The requirements for qualification are listed below.

You must be an American citizen and a veteran of a branch of the US Armed Services.  You must have served for at least 90 days, continuously.  These days must have been served on active duty.  If you were ever dishonorably discharged, you aren’t eligible for the VA loan program.  If you were discharged under any other conditions, however, you are eligible.

You should have a minimum qualifying credit score of 620. Take the time to improve your score if it is low or poor. 

Contact your local VA office and obtain a certificate of eligibility. This document proves that you are qualified.  Then contact a VA loan specialist to further advise you on your loan.

VA Refinance

You can use a VA loan to refinance your current mortgage.  The fastest way to do this is through a Nebraska VA Streamline refinance, or the VA IRRRL refinance.  This can save you hundreds of dollars on your monthly mortgage payments and allow you to pay your mortgage off sooner, if you can lower your interest rate.

Another option is the VA Cash-Out refinance, which enables veterans to access up to 100% of their current home equity, whether they have a VA mortgage or not. The funds can be used toward living expenses like school or medical fees, as well as home improvements.

Nebraska VA Mortgage Rates

The mortgage rate you get on your VA loan will determine how much you have to pay to borrow the money you need.  It’s important to do as much research as possible and find the lowest mortgage rates available.  Connect with several local lenders and compare their offers.

VA Lenders in Nebraska

You can get started on your research by filling out the form at the top of this page.  This will put you in contact with up to four lenders in your area of Nebraska who can help you fund your loan and inform you about the application process, mortgage rates, and VA loan limits.  Get more information from the Department of Veteran Affairs.

Nebraska Military Information

Nebraska has only one active military base.  Offutt Air Force Base is the only military installation in the state of Nebraska.  Offutt Air Force Base is where most VA home loan applicants in Nebraska are from.

VA Loan Lending Limits in Nebraska

Below is the list of the maximum VA loan limits for counties in Nebraska:

County Loan Limit
ADAMS $417,000
ANTELOPE $417,000
ARTHUR $417,000
BANNER $417,000
BLAINE $417,000
BOONE $417,000
BOX BUTTE $417,000
BOYD $417,000
BROWN $417,000
BUFFALO $417,000
BURT $417,000
BUTLER $417,000
CASS $417,000
CEDAR $417,000
CHASE $417,000
CHERRY $417,000
CHEYENNE $417,000
CLAY $417,000
COLFAX $417,000
CUMING $417,000
CUSTER $417,000
DAKOTA $417,000
DAWES $417,000
DAWSON $417,000
DEUEL $417,000
DIXON $417,000
DODGE $417,000
DOUGLAS $417,000
DUNDY $417,000
FILLMORE $417,000
FRANKLIN $417,000
FRONTIER $417,000
FURNAS $417,000
GAGE $417,000
GARDEN $417,000
GARFIELD $417,000
GOSPER $417,000
GRANT $417,000
GREELEY $417,000
HALL $417,000
HAMILTON $417,000
HARLAN $417,000
HAYES $417,000
HITCHCOCK $417,000
HOLT $417,000
HOOKER $417,000
HOWARD $417,000
JEFFERSON $417,000
JOHNSON $417,000
KEARNEY $417,000
KEITH $417,000
KEYA PAHA $417,000
KIMBALL $417,000
KNOX $417,000
LANCASTER $417,000
LINCOLN $417,000
LOGAN $417,000
LOUP $417,000
MCPHERSON $417,000
MADISON $417,000
MERRICK $417,000
MORRILL $417,000
NANCE $417,000
NEMAHA $417,000
NUCKOLLS $417,000
OTOE $417,000
PAWNEE $417,000
PERKINS $417,000
PHELPS $417,000
PIERCE $417,000
PLATTE $417,000
POLK $417,000
RED WILLOW $417,000
ROCK $417,000
SALINE $417,000
SARPY $417,000
SAUNDERS $417,000
SEWARD $417,000
SHERIDAN $417,000
SHERMAN $417,000
SIOUX $417,000
STANTON $417,000
THAYER $417,000
THOMAS $417,000
THURSTON $417,000
VALLEY $417,000
WAYNE $417,000
WEBSTER $417,000
WHEELER $417,000
YORK $417,000

Local Cities

user suit Lenders in: Nebraska.

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