With over 20 years of experience in VA mortgage lending, we take pride in helping active-duty service members and veterans achieve the dream of homeownership. Whether you're relocating for active service, buying your first home after the military, or refinancing through a VA IRRRL (Interest Rate Reduction Refinance Loan), we’re here to guide you every step of the way.

Why Choose a VA Home Loan?

• $0 Down Payment
• No Private Mortgage Insurance (PMI)
• Flexible Credit Guidelines
• Competitive Interest Rates
• Streamlined Refinancing (VA IRRRL)
• Limited Closing Costs
• No Prepayment Penalties

Who’s Eligible?

You may be eligible for a VA loan if you are:

• An active-duty service member
• A veteran who meets minimum service requirements
• A National Guard or Reserve member
• A surviving spouse of a veteran

We’re happy to review your Certificate of Eligibility (COE) and walk you through next steps.

Local, Trusted, Experienced

We proudly serve the communities around Beale Air Force Base and throughout California and Nevada. As a local VA mortgage specialist, we understand the needs of military families — from PCS relocations to retirement transitions.

• In-person consultations available
• Familiarity with local appraisers
• Fast scheduling with trusted pest inspection companies
• VA loan expertise to avoid common pitfalls

We work as a team to make sure your loan process is smooth, efficient, and respectful of your service.

VA IRRRL: Refinance With Ease

Already have a VA loan? We can help you refinance into a lower rate with minimal hassle using the VA IRRRL (Interest Rate Reduction Refinance Loan). No appraisal, no income documentation, and no out-of-pocket costs in many cases.

What Veterans Say About Us

“Paul and Wendy at Nevada County Mortgage made my VA loan process seamless. Their knowledge and communication were top-notch — I felt supported every step of the way.”
~ C. Johnson, U.S. Army Veteran

“As a military family transferring to Beale AFB, we couldn’t have asked for better guidance. They know the area and took care of everything quickly!”
~ M. Ramirez, Active Duty Airman

~ See more on Google Reviews

Ready to Get Started?

Let’s talk about your home goals and see if a VA loan is the right fit for you.

📞 Call us: 530-274-0916

📧 Email: team@nclending.com

Whether you’re buying or refinancing, our VA loan specialists are here to serve you — just like you’ve served our country.