Arizona, Nevada, and Hawaii each host significant military populations with unique housing markets. Whether you are stationed at Luke AFB in Phoenix, Nellis AFB in Las Vegas, or Schofield Barracks on Oahu, MaxVALoan.com by Patriot Pacific Financial Corp can help you purchase a home with your VA loan benefit.
Arizona VA Loans
Military Installations
- Luke Air Force Base — Glendale (Phoenix metro), F-35 training wing
- Davis-Monthan AFB — Tucson
- Fort Huachuca — Sierra Vista, Army intelligence center
- Marine Corps Air Station Yuma — Yuma
Arizona offers affordable housing, especially in the Phoenix metro and Tucson. With over 300 days of sunshine per year and no state tax on military retirement pay, Arizona is a top choice for active duty and retiring service members. The median home price in Phoenix-area suburbs is accessible to most VA loan buyers with zero down payment.
Nevada VA Loans
Military Installations
- Nellis Air Force Base — Las Vegas, home of the Thunderbirds
- Creech Air Force Base — Indian Springs (drone operations)
- Naval Air Station Fallon — Fallon (TOPGUN)
Nevada has no state income tax, making it financially attractive for military buyers. Las Vegas and Henderson offer affordable suburbs where VA loan buyers can purchase quality homes. Reno and the northern Nevada market are also growing.
Hawaii VA Loans
Military Installations
- Schofield Barracks — Oahu, 25th Infantry Division
- Joint Base Pearl Harbor-Hickam — Oahu
- Marine Corps Base Hawaii (Kaneohe Bay) — Oahu
- Camp Smith — INDOPACOM headquarters
Hawaii has the highest cost of living and home prices in the nation, but VA loans offer a crucial advantage: the 2026 loan limit in Honolulu County exceeds $1,149,825, and with zero down payment, military buyers can enter this market without saving hundreds of thousands for a down payment. VA jumbo loans are also available for higher-priced properties.
Regional Comparison
| State | State Income Tax | Median Home Price | Key Advantage |
|---|---|---|---|
| Arizona | Low (2.5% flat) | ~$400K | Affordable suburbs |
| Nevada | None | ~$420K | No state income tax |
| Hawaii | High (up to 11%) | ~$850K | High VA loan limits |
Get Your VA Loan in AZ, NV, or HI
MaxVALoan.com by Patriot Pacific Financial Corp is licensed in Arizona, Nevada, and Hawaii. Contact us or call (951) 551-7633 to get pre-approved today.
