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

Get Pre-Qualified for a loan in Mississippi

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 Mississippi.

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 Mississippi

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 Mississippi 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!

Mississippi VA Jumbo Loan

A Mississippi 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 Mississippi and want to streamline the entire process then contact us today by completing the form on this page.

If you are in Mississippi 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 Mississippi 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 Mississippi above today!

Mississippi 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
28	001	ADAMS	MS	35020	$453,100	$580,150	$701,250	$871,450
28	003	ALCORN	MS	18420	$453,100	$580,150	$701,250	$871,450
28	005	AMITE	MS	32620	$453,100	$580,150	$701,250	$871,450
28	007	ATTALA	MS		$453,100	$580,150	$701,250	$871,450
28	009	BENTON	MS	32820	$453,100	$580,150	$701,250	$871,450
28	011	BOLIVAR	MS	17380	$453,100	$580,150	$701,250	$871,450
28	013	CALHOUN	MS		$453,100	$580,150	$701,250	$871,450
28	015	CARROLL	MS	24900	$453,100	$580,150	$701,250	$871,450
28	017	CHICKASAW	MS		$453,100	$580,150	$701,250	$871,450
28	019	CHOCTAW	MS		$453,100	$580,150	$701,250	$871,450
28	021	CLAIBORNE	MS	46980	$453,100	$580,150	$701,250	$871,450
28	023	CLARKE	MS	32940	$453,100	$580,150	$701,250	$871,450
28	025	CLAY	MS	48500	$453,100	$580,150	$701,250	$871,450
28	027	COAHOMA	MS	17260	$453,100	$580,150	$701,250	$871,450
28	029	COPIAH	MS	27140	$453,100	$580,150	$701,250	$871,450
28	031	COVINGTON	MS		$453,100	$580,150	$701,250	$871,450
28	033	DESOTO	MS	32820	$453,100	$580,150	$701,250	$871,450
28	035	FORREST	MS	25620	$453,100	$580,150	$701,250	$871,450
28	037	FRANKLIN	MS		$453,100	$580,150	$701,250	$871,450
28	039	GEORGE	MS		$453,100	$580,150	$701,250	$871,450
28	041	GREENE	MS		$453,100	$580,150	$701,250	$871,450
28	043	GRENADA	MS	24980	$453,100	$580,150	$701,250	$871,450
28	045	HANCOCK	MS	25060	$453,100	$580,150	$701,250	$871,450
28	047	HARRISON	MS	25060	$453,100	$580,150	$701,250	$871,450
28	049	HINDS	MS	27140	$453,100	$580,150	$701,250	$871,450
28	051	HOLMES	MS		$453,100	$580,150	$701,250	$871,450
28	053	HUMPHREYS	MS		$453,100	$580,150	$701,250	$871,450
28	055	ISSAQUENA	MS		$453,100	$580,150	$701,250	$871,450
28	057	ITAWAMBA	MS	46180	$453,100	$580,150	$701,250	$871,450
28	059	JACKSON	MS	25060	$453,100	$580,150	$701,250	$871,450
28	061	JASPER	MS	29860	$453,100	$580,150	$701,250	$871,450
28	063	JEFFERSON	MS		$453,100	$580,150	$701,250	$871,450
28	065	JEFFERSON DAVIS	MS		$453,100	$580,150	$701,250	$871,450
28	067	JONES	MS	29860	$453,100	$580,150	$701,250	$871,450
28	069	KEMPER	MS	32940	$453,100	$580,150	$701,250	$871,450
28	071	LAFAYETTE	MS	37060	$453,100	$580,150	$701,250	$871,450
28	073	LAMAR	MS	25620	$453,100	$580,150	$701,250	$871,450
28	075	LAUDERDALE	MS	32940	$453,100	$580,150	$701,250	$871,450
28	077	LAWRENCE	MS		$453,100	$580,150	$701,250	$871,450
28	079	LEAKE	MS		$453,100	$580,150	$701,250	$871,450
28	081	LEE	MS	46180	$453,100	$580,150	$701,250	$871,450
28	083	LEFLORE	MS	24900	$453,100	$580,150	$701,250	$871,450
28	085	LINCOLN	MS	15020	$453,100	$580,150	$701,250	$871,450
28	087	LOWNDES	MS	18060	$453,100	$580,150	$701,250	$871,450
28	089	MADISON	MS	27140	$453,100	$580,150	$701,250	$871,450
28	091	MARION	MS		$453,100	$580,150	$701,250	$871,450
28	093	MARSHALL	MS	32820	$453,100	$580,150	$701,250	$871,450
28	095	MONROE	MS		$453,100	$580,150	$701,250	$871,450
28	097	MONTGOMERY	MS		$453,100	$580,150	$701,250	$871,450
28	099	NESHOBA	MS		$453,100	$580,150	$701,250	$871,450
28	101	NEWTON	MS		$453,100	$580,150	$701,250	$871,450
28	103	NOXUBEE	MS		$453,100	$580,150	$701,250	$871,450
28	105	OKTIBBEHA	MS	44260	$453,100	$580,150	$701,250	$871,450
28	107	PANOLA	MS		$453,100	$580,150	$701,250	$871,450
28	109	PEARL RIVER	MS	38100	$453,100	$580,150	$701,250	$871,450
28	111	PERRY	MS	25620	$453,100	$580,150	$701,250	$871,450
28	113	PIKE	MS	32620	$453,100	$580,150	$701,250	$871,450
28	115	PONTOTOC	MS	46180	$453,100	$580,150	$701,250	$871,450
28	117	PRENTISS	MS		$453,100	$580,150	$701,250	$871,450
28	119	QUITMAN	MS		$453,100	$580,150	$701,250	$871,450
28	121	RANKIN	MS	27140	$453,100	$580,150	$701,250	$871,450
28	123	SCOTT	MS		$453,100	$580,150	$701,250	$871,450
28	125	SHARKEY	MS		$453,100	$580,150	$701,250	$871,450
28	127	SIMPSON	MS	27140	$453,100	$580,150	$701,250	$871,450
28	129	SMITH	MS		$453,100	$580,150	$701,250	$871,450
28	131	STONE	MS		$453,100	$580,150	$701,250	$871,450
28	133	SUNFLOWER	MS	26940	$453,100	$580,150	$701,250	$871,450
28	135	TALLAHATCHIE	MS		$453,100	$580,150	$701,250	$871,450
28	137	TATE	MS	32820	$453,100	$580,150	$701,250	$871,450
28	139	TIPPAH	MS		$453,100	$580,150	$701,250	$871,450
28	141	TISHOMINGO	MS		$453,100	$580,150	$701,250	$871,450
28	143	TUNICA	MS	32820	$453,100	$580,150	$701,250	$871,450
28	145	UNION	MS		$453,100	$580,150	$701,250	$871,450
28	147	WALTHALL	MS		$453,100	$580,150	$701,250	$871,450
28	149	WARREN	MS	46980	$453,100	$580,150	$701,250	$871,450
28	151	WASHINGTON	MS	24740	$453,100	$580,150	$701,250	$871,450
28	153	WAYNE	MS		$453,100	$580,150	$701,250	$871,450
28	155	WEBSTER	MS		$453,100	$580,150	$701,250	$871,450
28	157	WILKINSON	MS		$453,100	$580,150	$701,250	$871,450
28	159	WINSTON	MS		$453,100	$580,150	$701,250	$871,450
28	161	YALOBUSHA	MS		$453,100	$580,150	$701,250	$871,450
28	163	YAZOO	MS	27140	$453,100	$580,150	$701,250	$871,450

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