Our Mission is to Make Your Dream Home in Arkansas a Reality

Get Pre-Qualified for a loan in Arkansas

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 you loan in Arkansas.

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

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Where's the Home Located?*

Choose a Loan Type*

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 beat. 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 a 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 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 of the benefits of the general VA loan.

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

We offer VA, FHA, and All home loan types.
$0 Down Payment for VA Home Loans.
No Need for Private Mortgage Insurance.
Competitive interests rates.
Lower Payments.
Easier to Qualify.
Relaxed Credit Standards.

Va loan limits 2023

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

VA Loan Process

Our 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

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

Apply for a 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?

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!

VA Mortgage Loans Benefits

No mortgage insurance

Since the VA guarantees the lender the top 25 percent of the loan, no mortgage insurance is required. Most conventional loans require a borrower to put down at least 20 percent of the purchase price or pay mortgage insurance. Mortgage insurance can be costly and does not ever go towards reducing your principal balance.

Competitive interests rates

Because the Department of Veteran Affairs guarantees each loan, interest rates are typically 0.25 to 1 percent lower than those of conventional loans.

No down payment

Saving enough money for a down payment can be especially difficult for active duty service members who are moving from base to base. Since there is no down payment required for a VA Home Loan, many veterans can purchase a home with little to no money out of pocket.

Arkansas VA Jumbo Loan Limits

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

FIPS State Code	FIPS County Code	County Name	State	CBSA Number	One-Unit Limit	Two-Unit Limit	Three-Unit Limit	Four-Unit Limit
05	001	ARKANSAS	AR		$453,100	$580,150	$701,250	$871,450
05	003	ASHLEY	AR		$453,100	$580,150	$701,250	$871,450
05	005	BAXTER	AR	34260	$453,100	$580,150	$701,250	$871,450
05	007	BENTON	AR	22220	$453,100	$580,150	$701,250	$871,450
05	009	BOONE	AR	25460	$453,100	$580,150	$701,250	$871,450
05	011	BRADLEY	AR		$453,100	$580,150	$701,250	$871,450
05	013	CALHOUN	AR	15780	$453,100	$580,150	$701,250	$871,450
05	015	CARROLL	AR		$453,100	$580,150	$701,250	$871,450
05	017	CHICOT	AR		$453,100	$580,150	$701,250	$871,450
05	019	CLARK	AR	11660	$453,100	$580,150	$701,250	$871,450
05	021	CLAY	AR		$453,100	$580,150	$701,250	$871,450
05	023	CLEBURNE	AR		$453,100	$580,150	$701,250	$871,450
05	025	CLEVELAND	AR	38220	$453,100	$580,150	$701,250	$871,450
05	027	COLUMBIA	AR	31620	$453,100	$580,150	$701,250	$871,450
05	029	CONWAY	AR		$453,100	$580,150	$701,250	$871,450
05	031	CRAIGHEAD	AR	27860	$453,100	$580,150	$701,250	$871,450
05	033	CRAWFORD	AR	22900	$453,100	$580,150	$701,250	$871,450
05	035	CRITTENDEN	AR	32820	$453,100	$580,150	$701,250	$871,450
05	037	CROSS	AR		$453,100	$580,150	$701,250	$871,450
05	039	DALLAS	AR		$453,100	$580,150	$701,250	$871,450
05	041	DESHA	AR		$453,100	$580,150	$701,250	$871,450
05	043	DREW	AR		$453,100	$580,150	$701,250	$871,450
05	045	FAULKNER	AR	30780	$453,100	$580,150	$701,250	$871,450
05	047	FRANKLIN	AR		$453,100	$580,150	$701,250	$871,450
05	049	FULTON	AR		$453,100	$580,150	$701,250	$871,450
05	051	GARLAND	AR	26300	$453,100	$580,150	$701,250	$871,450
05	053	GRANT	AR	30780	$453,100	$580,150	$701,250	$871,450
05	055	GREENE	AR	37500	$453,100	$580,150	$701,250	$871,450
05	057	HEMPSTEAD	AR	26260	$453,100	$580,150	$701,250	$871,450
05	059	HOT SPRING	AR	31680	$453,100	$580,150	$701,250	$871,450
05	061	HOWARD	AR		$453,100	$580,150	$701,250	$871,450
05	063	INDEPENDENCE	AR	12900	$453,100	$580,150	$701,250	$871,450
05	065	IZARD	AR		$453,100	$580,150	$701,250	$871,450
05	067	JACKSON	AR		$453,100	$580,150	$701,250	$871,450
05	069	JEFFERSON	AR	38220	$453,100	$580,150	$701,250	$871,450
05	071	JOHNSON	AR		$453,100	$580,150	$701,250	$871,450
05	073	LAFAYETTE	AR		$453,100	$580,150	$701,250	$871,450
05	075	LAWRENCE	AR		$453,100	$580,150	$701,250	$871,450
05	077	LEE	AR		$453,100	$580,150	$701,250	$871,450
05	079	LINCOLN	AR	38220	$453,100	$580,150	$701,250	$871,450
05	081	LITTLE RIVER	AR	45500	$453,100	$580,150	$701,250	$871,450
05	083	LOGAN	AR		$453,100	$580,150	$701,250	$871,450
05	085	LONOKE	AR	30780	$453,100	$580,150	$701,250	$871,450
05	087	MADISON	AR	22220	$453,100	$580,150	$701,250	$871,450
05	089	MARION	AR		$453,100	$580,150	$701,250	$871,450
05	091	MILLER	AR	45500	$453,100	$580,150	$701,250	$871,450
05	093	MISSISSIPPI	AR	14180	$453,100	$580,150	$701,250	$871,450
05	095	MONROE	AR		$453,100	$580,150	$701,250	$871,450
05	097	MONTGOMERY	AR		$453,100	$580,150	$701,250	$871,450
05	099	NEVADA	AR	26260	$453,100	$580,150	$701,250	$871,450
05	101	NEWTON	AR	25460	$453,100	$580,150	$701,250	$871,450
05	103	OUACHITA	AR	15780	$453,100	$580,150	$701,250	$871,450
05	105	PERRY	AR	30780	$453,100	$580,150	$701,250	$871,450
05	107	PHILLIPS	AR	25760	$453,100	$580,150	$701,250	$871,450
05	109	PIKE	AR		$453,100	$580,150	$701,250	$871,450
05	111	POINSETT	AR	27860	$453,100	$580,150	$701,250	$871,450
05	113	POLK	AR		$453,100	$580,150	$701,250	$871,450
05	115	POPE	AR	40780	$453,100	$580,150	$701,250	$871,450
05	117	PRAIRIE	AR		$453,100	$580,150	$701,250	$871,450
05	119	PULASKI	AR	30780	$453,100	$580,150	$701,250	$871,450
05	121	RANDOLPH	AR		$453,100	$580,150	$701,250	$871,450
05	123	ST. FRANCIS	AR	22620	$453,100	$580,150	$701,250	$871,450
05	125	SALINE	AR	30780	$453,100	$580,150	$701,250	$871,450
05	127	SCOTT	AR		$453,100	$580,150	$701,250	$871,450
05	129	SEARCY	AR		$453,100	$580,150	$701,250	$871,450
05	131	SEBASTIAN	AR	22900	$453,100	$580,150	$701,250	$871,450
05	133	SEVIER	AR		$453,100	$580,150	$701,250	$871,450
05	135	SHARP	AR		$453,100	$580,150	$701,250	$871,450
05	137	STONE	AR		$453,100	$580,150	$701,250	$871,450
05	139	UNION	AR	20980	$453,100	$580,150	$701,250	$871,450
05	141	VAN BUREN	AR		$453,100	$580,150	$701,250	$871,450
05	143	WASHINGTON	AR	22220	$453,100	$580,150	$701,250	$871,450
05	145	WHITE	AR	42620	$453,100	$580,150	$701,250	$871,450
05	147	WOODRUFF	AR		$453,100	$580,150	$701,250	$871,450
05	149	YELL	AR	40780	$453,100	$580,150	$701,250	$871,450

Our Mission is to Make Your Dream Home in Arkansas a Reality