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

"*" indicates required fields

Step 1 of 4

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 Virginia And West Virginia

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.

Get Your VA Home Loan in Illinois 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.

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!

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

STATE OF ILLINOIS

COMMUNITY REINVESTMENT NOTICE

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation once the Department completes our first evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department. We will update this notice when our first evaluation has been issued.

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