VA Home Loans

VA Home Loans

VA loans are home loans made available to military veterans, reservists, and active duty members for the purchase of a primary residence. The Veterans Administration does not lend money for VA loans; instead it guarantees the top twenty five percent of the loans made by private lenders, such as Security America Mortgage, to those who qualify.

Overview of the VA Loan

Qualified veterans can use the VA Home Loan Benefit to purchase a home with zero money down, no private mortgage insurance, and have the sellers pay all of their closing costs. These benefits, along with highly competitive interest rates, are making the VA home loan the preferred loan choice for many veterans.

Who is Eligible for a VA Loan?

Service Members and Veterans of the United States Military serving our country earn their VA Home Loan Benefit. The eligibility requirements vary depending on the type and character of your service. We help Veterans with certain total and permanent disabilities related to military service obtain suitable housing with either a Specially Adapted Housing (SAH) or Special Housing Adaptation (SHA) grant.

What are the Benefits of a VA Loan?

VA offers a variety of home loan guaranty programs for Active Duty Service Members, Veterans, and National Guard and Reserve members. The VA Home Loan is the preferred home loan choice for veterans and active duty military families. The VA Home Loan Program offers less restrictive guidelines and more underwriting flexibility than other types of loan products, making it easier to qualify.

The Process to Obtain a VA Home Loan

With Security America Mortgage, the VA Loan Process is a simple one thanks to the expertise of our VA Loan Experts. Just complete the application, get pre-approved, find your dream house, make an offer and then close on the home. We take care of all the rest, including any requirements from the Veterans Administration.