Apply for a VA Home Loan in Alabama and Make your Dream Home a Reality

Get Pre-Qualified for a VA loan in Alabama

Take the first step toward your home buying goal with our free pre-qualification consultation. Complete this quick form to get a pre-qualification of your loan in Alabama.

We’ll contact you when you are ready and provide a no-obligation pre-qualification consultation to help you estimate how much you may be able to borrow.

So are you ready to start the VA home loan process? If so, simply fill out the quick one-minute form or give us a call at 1-855-468-2669.

Why should I get a VA Loan?

The VA home loan is the very best mortgage available today to those who have earned the benefit. When comparing the pros and cons of the VA loan to both a conventional loan and an FHA loan you will quickly find out that the VA loan cannot be beaten. VA loans require 0% down payment in most cases whereas conventional loans generally require at least a 5% down payment and sometimes up to 20% required. FHA loans require a minimum of 3.5% down. And with a VA loan, Veterans also do not have to pay any monthly mortgage insurance which cannot be said about conventional or FHA mortgages.

What is VA Refinance?

The VA refinancing program allows qualified borrowers to lock in a lower monthly rate for the remainder of their VA loan and/or take out cash from their home’s equity. But you must act quickly as interest rates are at historical lows!

There are a few different ways to lower your interest rate with a VA Loan Refinance, including a VA Streamline Refinance and a Cash-Out Refinance. A VA Streamline Refinance, sometimes referred to as an IRRL, allows you to lower your current loan interest rate. A Cash-Out Refinance allows someone who currently has a VA loan, and has built up equity to cash out part of the loan to pay off bills such as credit cards and/or auto loans.

Should I choose a VA Jumbo Loan?

Many veterans have already taken advantage of their VA loan benefits. With relaxed qualification standards and more flexibility, it is proven to be the right choice for many to purchase and refinance their homes through this program. However, in most counties, the conforming loan limit with no money down is $417,000.

When your home costs more than this, the solution is the VA Jumbo Loan. A VA jumbo loan is any VA loan greater than $417,000. Qualifying veterans can apply to purchase or refinance their home for up to a value of $1,000,000 through this type of loan plus receive all the benefits of the general VA loan.

These are the key benefits that Security America can offer for a VA Home loan in Alabama

  • We Offer VA, FHA, and All Home Loan Types.
  • $0 Down Payment for VA Loans.
  • No Need for Private Mortgage Insurance.
  • Very Low-Interest Rate.
  • Lower Payments.
  • Easier to Qualify.
  • Relaxed Credit Standards.

Have a look at our most recent blog posts about VA Loans

VA Loan Process

va loan processOur team at Security America Mortgage makes every effort to ensure the home buying process as transparent and stress free as possible.

The benefits of a VA Loan

image 1 No down payment requirements, no monthly mortgage insurance AND usually lower interest rates are just a few of the benefits Veterans receive when selecting a VA loan.

Apply for a VA loan

va loan Are you ready to take advantage of your VA loan benefits? If so, it’s simple to start the process and takes only a few minutes. No social security number needed to start!

Who’s eligible for a VA loan?

Va loans Active service members with at least 90 continuous days of service and Veterans who’ve been honorably discharged from the armed forces can apply for a VA loan. Get started today!

Alabama VA Jumbo Loan Limits

Thinking about applying for a VA Loan in the state of Alabama? Learn about the Alabama VA Jumbo Loan limits.  Here’s what you should know!

FIPS County CodeCounty NameStateCBSA NumberOne-Unit LimitTwo-Unit LimitThree-Unit LimitFour-Unit Limit
001AUTAUGAAL33860 $453,100 $580,150 $701,250 $871,450
003BALDWINAL19300 $453,100 $580,150 $701,250 $871,450
005BARBOURAL21640 $453,100 $580,150 $701,250 $871,450
007BIBBAL13820 $453,100 $580,150 $701,250 $871,450
009BLOUNTAL13820 $453,100 $580,150 $701,250 $871,450
011BULLOCKAL  $453,100 $580,150 $701,250 $871,450
013BUTLERAL  $453,100 $580,150 $701,250 $871,450
015CALHOUNAL11500 $453,100 $580,150 $701,250 $871,450
017CHAMBERSAL46740 $453,100 $580,150 $701,250 $871,450
019CHEROKEEAL  $453,100 $580,150 $701,250 $871,450
021CHILTONAL13820 $453,100 $580,150 $701,250 $871,450
023CHOCTAWAL  $453,100 $580,150 $701,250 $871,450
025CLARKEAL  $453,100 $580,150 $701,250 $871,450
027CLAYAL  $453,100 $580,150 $701,250 $871,450
029CLEBURNEAL  $453,100 $580,150 $701,250 $871,450
031COFFEEAL21460 $453,100 $580,150 $701,250 $871,450
033COLBERTAL22520 $453,100 $580,150 $701,250 $871,450
035CONECUHAL  $453,100 $580,150 $701,250 $871,450
037COOSAAL45180 $453,100 $580,150 $701,250 $871,450
039COVINGTONAL  $453,100 $580,150 $701,250 $871,450
041CRENSHAWAL  $453,100 $580,150 $701,250 $871,450
043CULLMANAL18980 $453,100 $580,150 $701,250 $871,450
045DALEAL37120 $453,100 $580,150 $701,250 $871,450
047DALLASAL42820 $453,100 $580,150 $701,250 $871,450
049DE KALBAL22840 $453,100 $580,150 $701,250 $871,450
051ELMOREAL33860 $453,100 $580,150 $701,250 $871,450
053ESCAMBIAAL12120 $453,100 $580,150 $701,250 $871,450
055ETOWAHAL23460 $453,100 $580,150 $701,250 $871,450
057FAYETTEAL  $453,100 $580,150 $701,250 $871,450
059FRANKLINAL  $453,100 $580,150 $701,250 $871,450
061GENEVAAL20020 $453,100 $580,150 $701,250 $871,450
063GREENEAL  $453,100 $580,150 $701,250 $871,450
065HALEAL46220 $453,100 $580,150 $701,250 $871,450
067HENRYAL20020 $453,100 $580,150 $701,250 $871,450
069HOUSTONAL20020 $453,100 $580,150 $701,250 $871,450
071JACKSONAL42460 $453,100 $580,150 $701,250 $871,450
073JEFFERSONAL13820 $453,100 $580,150 $701,250 $871,450
075LAMARAL  $453,100 $580,150 $701,250 $871,450
077LAUDERDALEAL22520 $453,100 $580,150 $701,250 $871,450
079LAWRENCEAL19460 $453,100 $580,150 $701,250 $871,450
081LEEAL12220 $453,100 $580,150 $701,250 $871,450
083LIMESTONEAL26620 $453,100 $580,150 $701,250 $871,450
085LOWNDESAL33860 $453,100 $580,150 $701,250 $871,450
087MACONAL  $453,100 $580,150 $701,250 $871,450
089MADISONAL26620 $453,100 $580,150 $701,250 $871,450
091MARENGOAL  $453,100 $580,150 $701,250 $871,450
093MARIONAL  $453,100 $580,150 $701,250 $871,450
095MARSHALLAL10700 $453,100 $580,150 $701,250 $871,450
097MOBILEAL33660 $453,100 $580,150 $701,250 $871,450
099MONROEAL  $453,100 $580,150 $701,250 $871,450
101MONTGOMERYAL33860 $453,100 $580,150 $701,250 $871,450
103MORGANAL19460 $453,100 $580,150 $701,250 $871,450
105PERRYAL  $453,100 $580,150 $701,250 $871,450
107PICKENSAL46220 $453,100 $580,150 $701,250 $871,450
109PIKEAL45980 $453,100 $580,150 $701,250 $871,450
111RANDOLPHAL  $453,100 $580,150 $701,250 $871,450
113RUSSELLAL17980 $453,100 $580,150 $701,250 $871,450
115ST. CLAIRAL13820 $453,100 $580,150 $701,250 $871,450
117SHELBYAL13820 $453,100 $580,150 $701,250 $871,450
119SUMTERAL  $453,100 $580,150 $701,250 $871,450
121TALLADEGAAL45180 $453,100 $580,150 $701,250 $871,450
123TALLAPOOSAAL10760 $453,100 $580,150 $701,250 $871,450
125TUSCALOOSAAL46220 $453,100 $580,150 $701,250 $871,450
127WALKERAL13820 $453,100 $580,150 $701,250 $871,450
129WASHINGTONAL  $453,100 $580,150 $701,250 $871,450
131WILCOXAL  $453,100 $580,150 $701,250 $871,450
133WINSTONAL  $453,100 $580,150 $701,250 $871,450