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Our goal is to give our clients the product that match best with their interest. We offer many different kinds of loans, such as VA Home Loans, Conventional, FHA, USDA Loans, and non-conforming loans. We have many years in experience delivering out clients the best service so they can have a hassle free loan buying experience. Our Loan Officers are highly trained to deal with every kind of loan that we offer.

In 2024 are you thinking about getting a home loan in Houston?

Here we will discuss the mortgage process and important aspects of getting a home loan in Houston TX. You will see that Security America Mortgage has strong reviews and a very good local reputation. Their mortgage company team is dedicated to providing you with the best service and the best deal.

The housing market in Houston is competitive. The median home price in Houston is currently around $300,000, and homes are often selling for over the asking price. This means that you will need to be prepared to act quickly and make a strong offer if you want to buy a home in Houston.
There are a variety of loan programs available in Houston. You can choose from conventional loans, FHA loans, VA loans, ITIN loans, and USDA loans. Each type of loan has its own advantages and disadvantages, so it is important to compare them before you choose one.
There are a number of homebuyer assistance programs available in Houston. These programs can help you with down payment assistance, closing costs, and other expenses related to buying a home. You can find more information about these programs on the website of the Houston Housing Authority. Security America Mortgage and it’s loan officers are trained on down payment assistance programs and offer a variety of programs to help you get into your first home!
- ITIN home loan downpayment assistance is available on a Houston Mortgage
- FHA home loan and FHA construction loan programs can have payment assistance for your Houston TX Mortgage.
- Conventional Houston Texas Mortgage with down payment assistance
- USDA down payment assistance is offered on a Houston Mortgage with competitive rates and low fees.

Tips for getting a Houston TX Mortgage

Get your finances in order before you start the whole process. This includes having a good credit score, a steady income, and enough savings for a down payment and closing costs. Not all Houston mortgage lenders are the same. At SAM we don’t only offer competitive mortgage rates. We make the loan process easier by being an experienced Mortgage Lender.
Work with a qualified real estate agent who knows the Houston market. They can help you find the right home for your needs and budget, and they can negotiate on your behalf with the seller. Look no further than Security American Realty our sister company. See more information below on our top real estate broker who is bilingual.

Be prepared to act quickly. Homes in Houston often sell quickly, so you need to be prepared to make an offer as soon as you find a home you like.

Why do Veterans get a VA home loan in Houston TX?

There are a few reasons why veterans might choose to get a VA home loan in Houston TX:

VA loans have no down payment requirement. This can be a big advantage for veterans who don’t have a lot of savings.
VA loans have lower interest rates than conventional loans. This can save veterans money on their monthly mortgage payments.
VA loans are easier to qualify for than conventional loans. Veterans don’t need to have a perfect credit score to get a VA loan.
VA loans have a number of other benefits, such as the ability to finance closing costs and the ability to use the loan to buy a manufactured home.

Of course, there are also some drawbacks to VA loans. For example, VA loans have a funding fee, which is a one-time fee that is paid at closing. The funding fee can be waived for some veterans, such as those who are disabled or who have served in combat.

Overall, VA home loans can be a great option for veterans who are looking to buy a home in Houston. The no down payment requirement, lower interest rates, and easier qualification requirements can make it easier for veterans to purchase a home.

Here are some additional benefits of a VA home loan:

No private mortgage insurance (PMI). PMI is a monthly insurance premium that is required on conventional loans with less than 20% down payment. VA loans do not require PMI, which can save veterans money on their monthly mortgage payments.
The ability to buy a home with a VA-approved appraiser. VA-approved appraisers are familiar with the unique needs of veterans and can help you find a home that meets your needs.

The ability to use the VA loan to buy a home in a rural area. The USDA Rural Development loan program is similar to the VA loan, but it is only available in rural areas. Veterans can use the VA loan to buy a home in a rural area, even if they don’t meet the USDA’s income requirements.

How many Veterans live in Houston?

According to the United Way Greater Houston, there are over 300,000 veterans living in the Houston area. This makes Houston the second-largest veteran population in the United States, after the greater Los Angeles area.

Facts researched online about Veterans in Houston

The majority of veterans living in Houston are men, making up 92% of the veteran population. Only 8% of veterans in Houston are women.
The most common branch of service for veterans living in Houston is the Army, followed by the Air Force, the Navy, and the Marine Corps
The median age of veterans living in Houston is 55 years old. However, there is a wide range of ages, with some veterans as young as 18 and others as old as 95.
Veterans living in Houston come from all walks of life. They are employed in a variety of fields, including healthcare, education, government, and business. They are also involved in a variety of community organizations and activities.
The Houston area is home to a number of resources for veterans, including the Michael E. DeBakey VA Medical Center, the City of Houston Office of Veterans Affairs, and the United Way Greater Houston. These resources provide veterans with a variety of services, including healthcare, employment assistance, education and training, and financial assistance.
The large veteran population in Houston makes it a great place for veterans to live, work, and retire. The city has a strong commitment to supporting veterans, and there are a number of resources available to help veterans succeed.

What are the perks, benefits, and organizations for Veterans in Houston Texas?

There are a number of perks, benefits, and organizations available to veterans in Houston, Texas. These include:

Healthcare: Veterans are eligible for VA healthcare at the Michael E. DeBakey VA Medical Center and other VA facilities in the Houston area. They may also be eligible for Medicare or Medicaid.
Employment: The City of Houston Office of Veterans Affairs offers a variety of employment services to veterans, including job search assistance, resume writing assistance, and interview skills training. There are also a number of private sector employers in Houston that offer hiring preferences to veterans.
Education and training: Veterans are eligible for a variety of education and training benefits, including the GI Bill, the Montgomery GI Bill, and the Post-9/11 GI Bill. These benefits can be used to pay for tuition, fees, books, and supplies at colleges and universities.
Financial assistance: Veterans may be eligible for a variety of financial assistance programs, including the VA Home Loan Program, the VA Disability Compensation Program, and the VA Pension Program. These programs can help veterans with housing, disability, and retirement expenses.
Organizations: There are a number of organizations in Houston that provide support and services to veterans. These include the American Legion, the Veterans of Foreign Wars, the Disabled American Veterans, and the Vietnam Veterans of America. These organizations offer a variety of services, including job search assistance, counseling, and support groups.

Here are some specific organizations that provide perks, benefits, and services to veterans in Houston:

Michael E. DeBakey VA Medical Center: The Michael E. DeBakey VA Medical Center is the largest VA medical center in the United States. It provides a wide range of healthcare services to veterans, including primary care, specialty care, mental health care, and long-term care.
City of Houston Office of Veterans Affairs: The City of Houston Office of Veterans Affairs is a one-stop shop for veterans in Houston. It provides a variety of services, including job search assistance, resume writing assistance, interview skills training, and financial assistance.
United Way Greater Houston: The United Way Greater Houston provides a variety of services to veterans, including financial assistance, employment assistance, and education and training assistance.
American Legion: The American Legion is a veterans’ service organization that provides a variety of services to veterans, including employment assistance, education and training assistance, and financial assistance.
Veterans of Foreign Wars: The Veterans of Foreign Wars is a veterans’ service organization that provides a variety of services to veterans, including employment assistance, education and training assistance, and financial assistance.
Disabled American Veterans: The Disabled American Veterans is a veterans’ service organization that provides a variety of services to veterans with disabilities, including employment assistance, education and training assistance, and financial assistance.
Vietnam Veterans of America: The Vietnam Veterans of America is a veterans’ service organization that provides a variety of services to veterans of the Vietnam War, including employment assistance, education and training assistance, and financial assistance.

These are just a few of the many perks, benefits, and organizations available to veterans in Houston. If you are a veteran, I encourage you to reach out to one of these organizations to learn more about the services they offer.

2024 Houston Real Estate Questions and Answers from Garrett Puckett and Jason Noble

When it comes to buying a home and getting a loan it’s important to work with someone who has plenty of experience in the local market. Jason Noble and Garrett Puckett are the founders of Security America Mortgage headquartered in Houston. They are not only Houstonians but highly experienced in lending. Both have over 20 years of experience in the mortgage and real estate industry. Garrett Puckett is also the owner of Security American Realty a Texas Real Estate brokerage based in Houston Texas.

Is it a buyers market or sellers market currently in Houston Texas?

The housing market in Houston, Texas is currently a buyer’s market. This means that there are more homes on the market than there are buyers, which gives buyers more bargaining power.

Here are some factors that indicate that the Houston housing market is a buyer’s market:

Home inventory is increasing: The number of homes on the market in Houston has been increasing in recent months. This is due to a number of factors, including rising interest rates and a decrease in demand from buyers.
Home prices are starting to decline: The median home price in Houston has been declining in recent months. This is due to the increased inventory and the decrease in demand.
Buyers are getting more bargaining power: With more homes on the market and lower home prices, buyers are getting more bargaining power. This means that they are more likely to be able to negotiate a lower price on a home.

If you are thinking about buying a home in Houston, Texas, now is a good time to start your search. With more homes on the market and lower home prices, you are more likely to find a good deal.

However, it is important to note that the housing market is constantly changing, so it is important to stay up-to-date on the latest trends. That’s why you should also work with a qualified real estate agent who can help you find the right home for your needs and budget. Look no further than Carlos Say at SecurityAmericanRealty.

Houston Home Loans TX Lender who makes the home purchase process easy with all the mortgage loan options:

Conventional home loans at competitive rates from a reputable mortgage lender with loan officers ready in Houston TX.

The most common type of home loan we offer is a Conventional Loan. This type of loan does not have a government guarantee like other types of loans and also requires a down payment. Mortgage Insurance is required if the down payment made for the home loan is less than 20% of the total amount. The advantage of a conventional loan is that people can use it to buy an investment property and a second home, unlike government-backed loans. A 20% down conventional home loan is a great choice for getting a very competitive rate. Further, you won’t have to worry about mortgage insurance and your risk level is lower b/c you’re putting skin in the game.

USDA Mortgage

Types of VA Home Loans

FHA Home Loans

Traditional FHA home loans to purchase your new home
FHA one-time close construction loan
FHA renovation loan
FHA Streamline Refinance

ITIN home loans

Jumbo Loans have changed in 2024

A home loan that is greater than the limits of conventional loans as stated by Fannie Mare and Freddie Mac is a Jumbo Loan. Usually, jumbo loans are used to finance the purchase of high-end properties and condos. The conforming loan limit in high-cost areas of Houston, Texas is $1,089,300 for single-family homes in 2023. This is the maximum loan amount that Fannie Mae and Freddie Mac will guarantee for a conforming loan in these areas. If you are buying a home in a high-cost area of Houston, you may need to make a larger down payment or find a non-conforming loan if you need to borrow more than the conforming loan limit.

Jumbo mortgages also subject lenders to significantly higher risk due to the fact that if a jumbo mortgage loan defaults it would be harder to sell a luxury residence quickly for full price. Typically, the interest rate loan on a jumbo mortgage loan is normally higher depending on the situation.

What areas in Houston Texas are considered high-cost areas where conforming loan limits are extended from 726,000 to $1,089,300?

According to Fannie Mae, the following areas in Houston, Texas are considered high-cost areas where conforming loan limits are extended from $726,200 to $1,089,300:
- Austin County
- Brazoria County
- Chambers County
- Fort Bend County
- Galveston County
- Harris County
- Liberty County
- Montgomery County
- Waller County

Why Choose Security America Mortgage?

When it comes to getting the lowest rates it’s important to choose the right lender for your new house. At SAM we’ll always put your needs first and work hard to provide you the most competitive rates. In June we don’t see the same low rates that we saw in previous months and years but many forecasts show that mortgage rates will drop at some point in the future. When rates drop there might be more home buyers to compete with when purchasing a home. At SAM we not only have your best interest when it comes to mortgage rates, we also strive for a smooth process, fast closings, and 5-star reviews from happy clients.

Amazing reviews from veterans:

Mark was great. Since we were in a different time zone, he would stay after work to talk to us. Throughout the process, he was very patient and answered all of the many questions we had about our VA loan. We would highly recommend him and his team.

Let me first say that this is truly a testimony. My husband and I started our journey with Security American Mortgage about 2 years ago. We have been through 3 sets of plans and 2 builders that needed to be VA approved, which this was achieved. I must say during this process both Jason and Sandra have been exceptional to work with. My husband and I understood each step of the process (VA Construction) and communication was effective and done in a timely manner. Both Jason and Sandra worked tirelessly to help make our dreams come true...glory be to God. Thank you all at Security American Mortgage!!!!

Karen S. was a LIFESAVER to my family and I when buying our first home. We had an issue with a previous lender which caused many issues when closing but luckily we got in contact with Karen and she helped us get the home we wanted, close on time and making the home buying process a complete success for my family and I. We are so happy she helped us out, she's AMAZING at what she does and I cannot be happier. I definitely recommend Karen S. and her team. They know what they are doing and make sure everything is 100% explained and understood with her customers.

I have been in real estate 🏡 for about 13 years and since then I have been referring my clients to Jason and he and his team have always done an awesome job. My hubby and I decided to buy a home using the VA loan and we couldn’t have bought it if it wasn’t for Jason and Nadia knowledge and experience helping vets to achieve this ultimate dream. It was a long process and they were there with us in each step. It was a remarkable experience. My hubby couldn’t believe that it was possible to get a home with the VA loan in a market that is all about investors and cash offers. Yet, with God and Security American 🇺🇸 Mortgage it was possible. Thanks 🙏🏼 guys!!! We will keep referring you to clients and family.

I just want to take the time to shout out to Jason Noble, Itze Jimenez and the whole team for working with us on our forever home purchase. They were always available and helpful. The process was smooth and easy, and I would do it all over again, if I could work with this team! Definitely a MUST!!!!