What Is Veterans United in Nebraska?
Veterans United Home Loans is a VA-specialized mortgage lender with a Nebraska branch located at 11507 S. 42nd Street, Suite 107, Bellevue, NE 68123. The Bellevue office serves veterans, active-duty service members, and military families across Nebraska, including the Omaha metro, Offutt AFB, Lincoln, and surrounding communities. Veterans United is the nation’s largest VA lender and is licensed in all 50 states.
Quick Facts
| Item | Details |
|---|---|
| Benefit | VA home loans with $0 down, no PMI, and competitive rates |
| Eligibility | Veterans, active duty, Guard, Reserve, surviving spouses with COE |
| Application | Online, by phone, or in person at the Bellevue office |
| Processing Time | Average 34 days to close |
| Official Agency | U.S. Department of Veterans Affairs (VA) |
| Required Forms | Certificate of Eligibility (COE), VA Form 26-1880 if needed |
| Updated For | 2026 |
Veterans United Nebraska Office Location and Contact
The Bellevue, Nebraska branch is the only Veterans United physical office in the state. It is located at 11507 S. 42nd Street, Suite 107, Bellevue, NE 68123. The office phone number is (402) 291-3080. Business hours are Monday through Friday, 9:00 AM to 5:00 PM. The office is closed on weekends.
| Detail | Information |
|---|---|
| Address | 11507 S. 42nd Street, Suite 107, Bellevue, NE 68123 |
| Phone | (402) 291-3080 |
| Hours | Mon–Fri, 9:00 AM–5:00 PM |
| NMLS ID | 1907 |
| License | Nebraska Mortgage Banker License |
The Bellevue location is strategically positioned near Offutt Air Force Base, one of Nebraska’s largest military installations. Loan officers at this branch include Cal Thompson, Wyatt Robertson, and Nick Schuster.
Nebraska VA Loan Rules and State-Specific Benefits
Nebraska VA loans follow the same federal VA guidelines as every other state, but Nebraska adds state-level tax benefits that can significantly reduce a veteran’s housing costs. These benefits are not administered by Veterans United — they are state programs administered by the Nebraska Department of Revenue and the Nebraska Investment Finance Authority (NIFA).
Nebraska Homestead Exemption for Disabled Veterans
The Nebraska Homestead Exemption is a property tax relief program for qualifying homeowners, including veterans with service-connected disabilities. The program is divided into categories. Veterans who qualify under Category 4V — those with a 100% service-connected permanent disability or a 100% individual unemployability (IU) rating — receive the exemption with no income limit and no home value limit. Surviving spouses of qualified veterans qualify under Category 4S, which also has no income or value limits.
| Category | Who Qualifies | Income Limit | Home Value Limit |
|---|---|---|---|
| 4V | 100% service-connected disability or 100% IU | None | None |
| 4S | Surviving spouse of qualified veteran | None | None |
| 5 | VA substantially contributed to home | None | None |
| 7 | 100% temporary service-connected disability | None | None |
Veterans with a 100% permanent disability are no longer required to file annually. They must only file their first year of application with the required certification. Applications are filed with the county assessor using Form 458 between February 1 and June 30 each year.
NIFA Military Home Program
The Nebraska Investment Finance Authority (NIFA) offers a Military Home Program designed for active-duty service members, veterans, and surviving spouses. The program provides below-market interest rates on 30-year fixed loans. The current government loan rate through the Military Home Program is 5.375%.
Veterans May Qualify for Extra Benefits
Check available financial assistance, healthcare programs and other opportunities that may apply to you.
Check EligibilityEligibility:
Active military (active duty or reserves)
Qualified veterans discharged under conditions other than dishonorable
Surviving spouses
Active military members must meet NIFA’s first-time homebuyer requirement, which means they have not owned and occupied a primary residence within the past three years. Qualified veterans are exempt from this requirement. The program also offers up to 5% down payment assistance as a forgivable second mortgage. There are no income limits for veterans, active-duty military members, and National Guard members.
Nebraska $6,000 Grant for Veterans
Nebraska partners with NIFA to offer a $6,000 grant for honorably discharged veterans toward closing costs and pre-paids. This grant is first-come, first-served and can be combined with the Military Home Program. Veterans should ask their loan officer about this grant during the pre-approval process.
VA Loan Benefits in Nebraska
A Nebraska VA loan is a home loan guaranteed by the U.S. Department of Veterans Affairs and made by a private lender like Veterans United. Because the VA guarantees part of the loan, the lender can approve it with no down payment when the borrower has full entitlement and no monthly mortgage insurance.
Key VA Loan Benefits
$0 down payment with full entitlement. No down payment is required for eligible veterans, active-duty service members, and qualifying surviving spouses.
No private mortgage insurance (PMI). Conventional loans typically require PMI when the down payment is less than 20%. VA loans never require it.
No VA minimum credit score. The VA does not set a minimum credit score, but most lenders including Veterans United require a score of at least 620.
Competitive interest rates. VA loan rates are typically lower than conventional loan rates.
No loan limit with full entitlement. As of 2026, Nebraska buyers with full entitlement have no VA loan limit. Partial entitlement is measured against the county conforming loan limit, which is $832,750 in every Nebraska county for 2026.
2026 VA Funding Fee Rates in Nebraska
| Down Payment | First Use | Subsequent Use |
|---|---|---|
| Less than 5% | 2.15% | 3.30% |
| 5%–9.99% | 1.50% | 1.50% |
| 10% or more | 1.25% | 1.25% |
Veterans receiving VA disability compensation are exempt from the funding fee. Surviving spouses of veterans who died in service or from a service-connected disability are also exempt.
Veterans United Nebraska Customer Reviews
Veterans United’s Omaha/Bellevue branch has a 4.8 out of 5 average satisfaction rating based on 2,147 customer reviews. 98.2% of reviewers would recommend Veterans United to friends and family. The rating breakdown shows 77.6% five-star reviews, 18.1% four-star reviews, and 3.6% combined three-star and below.
| Rating | Percentage |
|---|---|
| 5 stars | 77.6% |
| 4 stars | 18.1% |
| 3 stars | 2.5% |
| 2 stars | 1.1% |
| 1 star | 0.7% |
What Nebraska Veterans Say
Positive reviews frequently mention the local team’s knowledge of Nebraska-specific issues. One veteran noted that choosing a local loan officer was better than using an out-of-state lender because “they knew the area more and had some insights that helped.” Another reviewer highlighted that Veterans United did not add an extra insurance fee for a Nebraska tornado that a competitor had charged.
Loan officer Nick Schuster received specific praise: “Nick is very knowledgeable about helping Veterans and utilizing their VA loan benefit. He made the entire process go so smoothly and was always available when we had questions.”
Common Complaints
Some Nebraska reviews mention frustration with NIFA processing. One reviewer said, “Dealing with NIFA proved to be cumbersome.” Another noted that the loan was sold to Wells Fargo after closing, which they found disappointing. Veterans United’s BBB profile shows 135 total complaints in the last three years, with 48 complaints closed in the last 12 months.
How to Apply for a VA Loan Through Veterans United in Nebraska
The application process for a VA loan through Veterans United follows a standard sequence. The Bellevue office handles Nebraska applications, and most of the process can be completed online or by phone.
Step-by-Step Application Process
Get pre-approved. Contact the Bellevue office at (402) 291-3080 or apply online. You will need your Certificate of Eligibility (COE), which you can obtain through VA.gov or your lender.
Gather required documents. You will need your DD-214, recent pay stubs, tax returns, bank statements, and a valid government-issued ID.
Submit your loan application. Your loan officer will review your financial profile and recommend the best VA loan option for your situation.
Get a VA appraisal. The VA requires an appraisal to determine the home’s fair market value. The appraiser will check for safety and structural issues.
Close on your home. Once the appraisal and underwriting are complete, you will sign closing documents. Veterans United’s average time to close is 34 days.
Required VA Forms for Nebraska
VA Form 26-1880: Request for a Certificate of Eligibility (if you do not already have one)
VA Form 26-6393: Loan Analysis
VA Form 26-1805: Notice to Veterans of Funding Fee
DD-214: Certificate of Release or Discharge from Active Duty
NIFA Military Home Program vs. VA Loan: Comparison
| Factor | VA Loan (Veterans United) | NIFA Military Home Program |
|---|---|---|
| Down payment | $0 with full entitlement | $0 with DPA options |
| Interest rate | Competitive, varies | 5.375% government rate |
| Funding fee | 1.25%–3.3% | None |
| Credit score | 620 minimum (lender overlay) | 640 minimum |
| Income limits | None | None for veterans |
| First-time buyer rule | No | Yes for active military; waived for veterans |
| Down payment assistance | No | Up to 5% forgivable second mortgage |
| Closing cost grant | No | $6,000 grant available |
Veterans in Nebraska can combine a VA loan with NIFA down payment assistance in some cases, though the programs have different underwriting requirements. Talk to a loan officer about stacking benefits.
Common Mistakes Nebraska Veterans Make
Not asking about the $6,000 Nebraska grant. Many veterans do not know this grant exists. It must be requested during the application process.
Filing the Homestead Exemption after the deadline. The filing window is February 1 to June 30. Missing it means losing the exemption for that year.
Assuming NIFA and VA are the same program. NIFA is a state program with different eligibility rules. NIFA requires a 640 credit score; VA loans do not have a federal minimum, though Veterans United requires 620.
Using an out-of-state lender unfamiliar with Nebraska. Nebraska has unique property tax rules and insurance considerations. Local loan officers at the Bellevue office understand these issues.
Forgetting that the funding fee is waived for disabled veterans. If you receive VA disability compensation, you should not pay the funding fee. Make sure your lender applies the exemption.
VA Loan Assumption in Nebraska
VA loans originated on or after March 1, 1988, are assumable with lender approval. In Omaha and Bellevue, VA loan assumptions typically take 45 to 75 days from ratified contract to close. The timeline depends primarily on the loan servicer. FHA assumptions tend to close faster, often in 30 to 45 days, because FHA has more standardized processing requirements.
The VA funding fee on an assumption is 0.5% of the remaining loan balance, due within 15 days. The servicer may also charge an assumption processing fee of up to $300. The veteran seller’s entitlement remains tied to the loan until it is paid in full unless the assumer is an eligible veteran who substitutes their entitlement.
Latest Rule Changes for 2026
The 2026 conforming loan limit for VA loans in Nebraska is $832,750 for one-unit properties, an increase from 2025. VA buyers with full entitlement have no loan limit and are not restricted by the conforming limit. Partial entitlement is measured against the county limit.
The VA funding fee schedule remains unchanged for 2026: 2.15% for first use with less than 5% down, 3.30% for subsequent use, 1.50% with 5%–9.99% down, and 1.25% with 10% or more down. Veterans receiving disability compensation continue to be exempt.
Pending legislation in Nebraska would expand the homestead exemption to veterans with disability ratings between 10% and 99%. Under the proposed bill, a veteran with a 60% disability rating would qualify for a 60% exemption. The bill is under consideration in the Nebraska Legislature.
Common Questions
Does Veterans United have an office in Nebraska?
Yes. Veterans United has one Nebraska location at 11507 S. 42nd Street, Suite 107, Bellevue, NE 68123. The phone number is (402) 291-3080. Business hours are Monday through Friday, 9:00 AM to 5:00 PM.
What credit score does Veterans United require for a VA loan in Nebraska?
Veterans United requires a minimum credit score of 620 for VA loans. The VA itself does not set a minimum credit score, but most lenders apply their own overlays. Some Nebraska lenders accept scores as low as 580 for VA loans.
Can I use a VA loan to buy a home near Offutt AFB?
Yes. VA loans are widely used near Offutt Air Force Base in Bellevue, Papillion, and the Omaha metro. The Offutt AFB Military Housing Area (NE192) covers most of the Omaha metro including Sarpy County.
What is the NIFA Military Home Program?
NIFA’s Military Home Program is a Nebraska state program offering below-market interest rates on 30-year fixed loans for active military, veterans, and surviving spouses. The current government loan rate is 5.375%. The program offers up to 5% down payment assistance.
Is there a grant for Nebraska veterans to cover closing costs?
Yes. Nebraska offers a $6,000 grant for honorably discharged veterans toward closing costs and pre-paids. The grant is first-come, first-served and is administered through NIFA.
What is the Nebraska Homestead Exemption for veterans?
It is a property tax relief program for veterans with service-connected disabilities. Veterans with a 100% permanent disability or 100% IU rating qualify with no income or home value limits. Surviving spouses also qualify under Category 4S.
How long does it take to close a VA loan in Nebraska?
Veterans United’s average time to close is 34 days, faster than the national average. VA loan assumptions in Omaha typically take 45 to 75 days due to servicer processing times.
Does Nebraska have VA loan limits in 2026?
Veterans with full entitlement have no VA loan limit in Nebraska. The 2026 conforming loan limit is $832,750 for one-unit properties in all Nebraska counties, which applies to partial entitlement borrowers.
What is the VA funding fee in Nebraska for 2026?
The funding fee is 2.15% for first use with less than 5% down, 3.30% for subsequent use, 1.50% with 5%–9.99% down, and 1.25% with 10% or more down. Veterans receiving disability compensation are exempt.
Can I combine NIFA assistance with a VA loan?
In some cases, yes. NIFA offers down payment assistance and a closing cost grant that may be combined with a VA loan. The programs have different underwriting requirements, so talk to a loan officer about stacking benefits.
Key Takeaways
Veterans United has one Nebraska office in Bellevue at 11507 S. 42nd Street, Suite 107, serving the Omaha metro, Offutt AFB, and surrounding communities.
The Bellevue branch has a 4.8 out of 5 rating from 2,147 Nebraska customer reviews, with 98.2% of reviewers recommending the lender.
Nebraska VA loans offer $0 down with full entitlement, no PMI, and no VA minimum credit score, though Veterans United requires 620.
The 2026 VA funding fee is 2.15% for first use with less than 5% down and 3.30% for subsequent use; disabled veterans are exempt.
Nebraska’s Homestead Exemption provides property tax relief with no income or value limits for veterans with a 100% permanent disability rating.
NIFA’s Military Home Program offers below-market rates (5.375% government loan rate) and up to 5% down payment assistance for veterans.
Nebraska offers a $6,000 grant for honorably discharged veterans toward closing costs and pre-paids.
VA loan assumptions in Omaha typically take 45 to 75 days, with a 0.5% funding fee on the assumed balance.
Official Resources
Veterans United Home Loans Bellevue: 11507 S. 42nd Street, Suite 107, Bellevue, NE 68123 | (402) 291-3080
VA Home Loans: VA.gov — Housing Assistance
VA Loan Limits: VA.gov — Loan Limits
Nebraska Department of Veterans’ Affairs: veterans.nebraska.gov
Nebraska Homestead Exemption: revenue.nebraska.gov — Homestead Exemption
NIFA Military Home Program: nifa.org — Military Home
Nebraska Department of Banking and Finance: ndbf.nebraska.gov
🇺🇸 IMPORTANT DISCLAIMER – Veterans Benefits Information
This site provides general information about U.S. Department of Veterans Affairs (VA) benefits for educational and informational purposes only.
- Not Official: We are NOT affiliated with, endorsed by, or connected to the U.S. Department of Veterans Affairs (VA), the Veterans Benefits Administration (VBA), the Veterans Health Administration (VHA), or any other government agency.
- No Legal/Financial Advice: The content on this website is for informational purposes only and does not constitute legal, financial, or medical advice. VA benefits rules change frequently – always consult with an accredited Veterans Service Officer (VSO) or a qualified professional for your specific situation.
- Official Sources: For official, binding information and to apply for benefits, always visit official .gov websites: VA.gov, Benefits.VA.gov, or SSA.gov.
- No Data Collection: This site does not collect, store, or process any personal information. It does not have login forms, contact forms, or any system to capture user data. We never ask for your Social Security Number, bank details, or any personal information.
- 🚨 Scam Alert: The VA and other government agencies never charge fees for benefit applications. If anyone asks for money to "process" your VA claim, it is a scam. Report it to the VA Office of Inspector General at VA.gov/OIG.
- Advertising: This site uses third-party advertising (Adsterra) to cover operational costs. We do not endorse or guarantee any products or services advertised.
📌 Information provided as of June 2026. Always verify current eligibility and rules with official .gov sources.
This site is not affiliated with the U.S. Department of Veterans Affairs or any government agency. All information is for educational purposes only. Please visit VA.gov for official information.
