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

Get Pre-Qualified for a loan in Illinois

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 Illinois.

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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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 Illinois

  • 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 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!

Veterans can achieve their dream of owning a home with the VA home loan benefit. If you are interested in buying your new house of your dreams, don’t hesitate to contact us by filling out the form below. Our Loan Officers are highly trained and experts in this field. We will help you through the entire process hassle free. We have been helping veterans get the home of their dreams for many years, you can read our testimonials here, hundreds of Veterans now are home owners, join them today.

Non Conforming Loan

Thousands of Happy Home-Owners!

Our team here at Security America Mortgage are experts when it comes to helping veterans obtain VA Home Loans. If you’re ready to get started complete the simple form above and one of our mortgage specialists will contact you shortly. We look forward to working with you!

WE ARE DEDICATED TO SERVING

THOSE WHO SERVED.

One Time Close Construction Loan

Illinois VA Jumbo Loan

A Illinois jumbo mortgage is a home loan of which value exceeds conventional home loan limits which are set by Fannie Mae and Freddie Mac. Typically, jumbo mortgages are used to finance the purchase of luxury, high-end properties, homes, or condos. The jumbo mortgage, conforming limit in “high-cost” areas is currently $625,500. 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. With this in mind, the interest rate charged on a jumbo mortgage loan is generally higher than a conforming home loan and, depending on which lending you chose, the rate can fluctuate significantly. At Security America Mortgage, our team of jumbo mortgage specialists are experts in all types of jumbo mortgages and we offer extremely competitive market rates. If you are looking to obtain a Jumbo Loan Illinois and want to streamline the entire process then contact us today by completing the form on this page.

If you are in Illinois and need a large home loan, apply with us to find your interest rate in order to find out if you qualify. We are licensed in the State of Illinois and have specialists who are experts in the state. We offer friendly customer service and have years of experience in the field of mortgage loans. Apply for Jumbo Loan Illinois above today!

 

Illinois VA Jumbo Loan Limits

 

FIPS State Code FIPS County Code County Name State CBSA Number One-Unit Limit Two-Unit Limit Three-Unit Limit Four-Unit Limit
17 001 ADAMS IL 39500 $453,100 $580,150 $701,250 $871,450
17 003 ALEXANDER IL 16020 $453,100 $580,150 $701,250 $871,450
17 005 BOND IL 41180 $453,100 $580,150 $701,250 $871,450
17 007 BOONE IL 40420 $453,100 $580,150 $701,250 $871,450
17 009 BROWN IL $453,100 $580,150 $701,250 $871,450
17 011 BUREAU IL 36860 $453,100 $580,150 $701,250 $871,450
17 013 CALHOUN IL 41180 $453,100 $580,150 $701,250 $871,450
17 015 CARROLL IL $453,100 $580,150 $701,250 $871,450
17 017 CASS IL $453,100 $580,150 $701,250 $871,450
17 019 CHAMPAIGN IL 16580 $453,100 $580,150 $701,250 $871,450
17 021 CHRISTIAN IL 45380 $453,100 $580,150 $701,250 $871,450
17 023 CLARK IL $453,100 $580,150 $701,250 $871,450
17 025 CLAY IL $453,100 $580,150 $701,250 $871,450
17 027 CLINTON IL 41180 $453,100 $580,150 $701,250 $871,450
17 029 COLES IL 16660 $453,100 $580,150 $701,250 $871,450
17 031 COOK IL 16980 $453,100 $580,150 $701,250 $871,450
17 033 CRAWFORD IL $453,100 $580,150 $701,250 $871,450
17 035 CUMBERLAND IL 16660 $453,100 $580,150 $701,250 $871,450
17 037 DEKALB IL 16980 $453,100 $580,150 $701,250 $871,450
17 039 DE WITT IL 14010 $453,100 $580,150 $701,250 $871,450
17 041 DOUGLAS IL $453,100 $580,150 $701,250 $871,450
17 043 DUPAGE IL 16980 $453,100 $580,150 $701,250 $871,450
17 045 EDGAR IL $453,100 $580,150 $701,250 $871,450
17 047 EDWARDS IL $453,100 $580,150 $701,250 $871,450
17 049 EFFINGHAM IL 20820 $453,100 $580,150 $701,250 $871,450
17 051 FAYETTE IL $453,100 $580,150 $701,250 $871,450
17 053 FORD IL 16580 $453,100 $580,150 $701,250 $871,450
17 055 FRANKLIN IL $453,100 $580,150 $701,250 $871,450
17 057 FULTON IL 15900 $453,100 $580,150 $701,250 $871,450
17 059 GALLATIN IL $453,100 $580,150 $701,250 $871,450
17 061 GREENE IL $453,100 $580,150 $701,250 $871,450
17 063 GRUNDY IL 16980 $453,100 $580,150 $701,250 $871,450
17 065 HAMILTON IL $453,100 $580,150 $701,250 $871,450
17 067 HANCOCK IL 22800 $453,100 $580,150 $701,250 $871,450
17 069 HARDIN IL $453,100 $580,150 $701,250 $871,450
17 071 HENDERSON IL 15460 $453,100 $580,150 $701,250 $871,450
17 073 HENRY IL 19340 $453,100 $580,150 $701,250 $871,450
17 075 IROQUOIS IL $453,100 $580,150 $701,250 $871,450
17 077 JACKSON IL 16060 $453,100 $580,150 $701,250 $871,450
17 079 JASPER IL $453,100 $580,150 $701,250 $871,450
17 081 JEFFERSON IL 34500 $453,100 $580,150 $701,250 $871,450
17 083 JERSEY IL 41180 $453,100 $580,150 $701,250 $871,450
17 085 JO DAVIESS IL $453,100 $580,150 $701,250 $871,450
17 087 JOHNSON IL $453,100 $580,150 $701,250 $871,450
17 089 KANE IL 16980 $453,100 $580,150 $701,250 $871,450
17 091 KANKAKEE IL 28100 $453,100 $580,150 $701,250 $871,450
17 093 KENDALL IL 16980 $453,100 $580,150 $701,250 $871,450
17 095 KNOX IL 23660 $453,100 $580,150 $701,250 $871,450
17 097 LAKE IL 16980 $453,100 $580,150 $701,250 $871,450
17 099 LA SALLE IL 36860 $453,100 $580,150 $701,250 $871,450
17 101 LAWRENCE IL $453,100 $580,150 $701,250 $871,450
17 103 LEE IL 19940 $453,100 $580,150 $701,250 $871,450
17 105 LIVINGSTON IL 38700 $453,100 $580,150 $701,250 $871,450
17 107 LOGAN IL 30660 $453,100 $580,150 $701,250 $871,450
17 109 MCDONOUGH IL 31380 $453,100 $580,150 $701,250 $871,450
17 111 MCHENRY IL 16980 $453,100 $580,150 $701,250 $871,450
17 113 MCLEAN IL 14010 $453,100 $580,150 $701,250 $871,450
17 115 MACON IL 19500 $453,100 $580,150 $701,250 $871,450
17 117 MACOUPIN IL 41180 $453,100 $580,150 $701,250 $871,450
17 119 MADISON IL 41180 $453,100 $580,150 $701,250 $871,450
17 121 MARION IL 16460 $453,100 $580,150 $701,250 $871,450
17 123 MARSHALL IL 37900 $453,100 $580,150 $701,250 $871,450
17 125 MASON IL $453,100 $580,150 $701,250 $871,450
17 127 MASSAC IL 37140 $453,100 $580,150 $701,250 $871,450
17 129 MENARD IL 44100 $453,100 $580,150 $701,250 $871,450
17 131 MERCER IL 19340 $453,100 $580,150 $701,250 $871,450
17 133 MONROE IL 41180 $453,100 $580,150 $701,250 $871,450
17 135 MONTGOMERY IL $453,100 $580,150 $701,250 $871,450
17 137 MORGAN IL 27300 $453,100 $580,150 $701,250 $871,450
17 139 MOULTRIE IL $453,100 $580,150 $701,250 $871,450
17 141 OGLE IL 40300 $453,100 $580,150 $701,250 $871,450
17 143 PEORIA IL 37900 $453,100 $580,150 $701,250 $871,450
17 145 PERRY IL $453,100 $580,150 $701,250 $871,450
17 147 PIATT IL 16580 $453,100 $580,150 $701,250 $871,450
17 149 PIKE IL $453,100 $580,150 $701,250 $871,450
17 151 POPE IL $453,100 $580,150 $701,250 $871,450
17 153 PULASKI IL $453,100 $580,150 $701,250 $871,450
17 155 PUTNAM IL 36860 $453,100 $580,150 $701,250 $871,450
17 157 RANDOLPH IL $453,100 $580,150 $701,250 $871,450
17 159 RICHLAND IL $453,100 $580,150 $701,250 $871,450
17 161 ROCK ISLAND IL 19340 $453,100 $580,150 $701,250 $871,450
17 163 ST. CLAIR IL 41180 $453,100 $580,150 $701,250 $871,450
17 165 SALINE IL $453,100 $580,150 $701,250 $871,450
17 167 SANGAMON IL 44100 $453,100 $580,150 $701,250 $871,450
17 169 SCHUYLER IL $453,100 $580,150 $701,250 $871,450
17 171 SCOTT IL 27300 $453,100 $580,150 $701,250 $871,450
17 173 SHELBY IL $453,100 $580,150 $701,250 $871,450
17 175 STARK IL 37900 $453,100 $580,150 $701,250 $871,450
17 177 STEPHENSON IL 23300 $453,100 $580,150 $701,250 $871,450
17 179 TAZEWELL IL 37900 $453,100 $580,150 $701,250 $871,450
17 181 UNION IL $453,100 $580,150 $701,250 $871,450
17 183 VERMILION IL 19180 $453,100 $580,150 $701,250 $871,450
17 185 WABASH IL $453,100 $580,150 $701,250 $871,450
17 187 WARREN IL $453,100 $580,150 $701,250 $871,450
17 189 WASHINGTON IL $453,100 $580,150 $701,250 $871,450
17 191 WAYNE IL $453,100 $580,150 $701,250 $871,450
17 193 WHITE IL $453,100 $580,150 $701,250 $871,450
17 195 WHITESIDE IL 44580 $453,100 $580,150 $701,250 $871,450
17 197 WILL IL 16980 $453,100 $580,150 $701,250 $871,450
17 199 WILLIAMSON IL 16060 $453,100 $580,150 $701,250 $871,450
17 201 WINNEBAGO IL 40420 $453,100 $580,150 $701,250 $871,450
17 203 WOODFORD IL 37900 $453,100 $580,150 $701,250 $871,450