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Our Mission is to Make Your Dream Home in Virginia And West Virginia a Reality

Get Pre-Qualified for a loan in Virginia And West Virginia

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 Virginia And West Virginia.

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 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.
Low Interest Rates.
Lower Payments.
Easier to Qualify.
Relaxed Credit Standards.

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

VA Loan Process

Oregon VA Loan - Security America Mortgage

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?

Oregon VA Loan - Security America Mortgage

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.

Low-interest rate

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.

Virginia VA Jumbo Loan Limits

Learn about the Virginia VA Jumbo Loan limits. Thinking about applying for a VA Loan in the state of Virginia? 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
51 001 ACCOMACK VA $453,100 $580,150 $701,250 $871,450
51 003 ALBEMARLE VA 16820 $453,100 $580,150 $701,250 $871,450
51 005 ALLEGHANY VA $453,100 $580,150 $701,250 $871,450
51 007 AMELIA VA 40060 $535,900 $686,050 $829,250 $1,030,600
51 009 AMHERST VA 31340 $453,100 $580,150 $701,250 $871,450
51 011 APPOMATTOX VA 31340 $453,100 $580,150 $701,250 $871,450
51 013 ARLINGTON VA 47900 $679,650 $870,225 $1,051,875 $1,307,175
51 015 AUGUSTA VA 44420 $453,100 $580,150 $701,250 $871,450
51 017 BATH VA $453,100 $580,150 $701,250 $871,450
51 019 BEDFORD VA 31340 $453,100 $580,150 $701,250 $871,450
51 021 BLAND VA $453,100 $580,150 $701,250 $871,450
51 023 BOTETOURT VA 40220 $453,100 $580,150 $701,250 $871,450
51 025 BRUNSWICK VA $453,100 $580,150 $701,250 $871,450
51 027 BUCHANAN VA $453,100 $580,150 $701,250 $871,450
51 029 BUCKINGHAM VA 16820 $453,100 $580,150 $701,250 $871,450
51 031 CAMPBELL VA 31340 $453,100 $580,150 $701,250 $871,450
51 033 CAROLINE VA 40060 $535,900 $686,050 $829,250 $1,030,600
51 035 CARROLL VA $453,100 $580,150 $701,250 $871,450
51 036 CHARLES CITY VA 40060 $535,900 $686,050 $829,250 $1,030,600
51 037 CHARLOTTE VA $453,100 $580,150 $701,250 $871,450
51 041 CHESTERFIELD VA 40060 $535,900 $686,050 $829,250 $1,030,600
51 043 CLARKE VA 47900 $679,650 $870,225 $1,051,875 $1,307,175
51 045 CRAIG VA 40220 $453,100 $580,150 $701,250 $871,450
51 047 CULPEPER VA 47900 $679,650 $870,225 $1,051,875 $1,307,175
51 049 CUMBERLAND VA $535,900 $686,050 $829,250 $1,030,600
51 051 DICKENSON VA 13720 $453,100 $580,150 $701,250 $871,450
51 053 DINWIDDIE VA 40060 $535,900 $686,050 $829,250 $1,030,600
51 057 ESSEX VA $453,100 $580,150 $701,250 $871,450
51 059 FAIRFAX VA 47900 $679,650 $870,225 $1,051,875 $1,307,175
51 061 FAUQUIER VA 47900 $679,650 $870,225 $1,051,875 $1,307,175
51 063 FLOYD VA 13980 $453,100 $580,150 $701,250 $871,450
51 065 FLUVANNA VA 16820 $453,100 $580,150 $701,250 $871,450
51 067 FRANKLIN VA 40220 $453,100 $580,150 $701,250 $871,450
51 069 FREDERICK VA 49020 $453,100 $580,150 $701,250 $871,450
51 071 GILES VA 13980 $453,100 $580,150 $701,250 $871,450
51 073 GLOUCESTER VA 47260 $458,850 $587,400 $710,050 $882,400
51 075 GOOCHLAND VA 40060 $535,900 $686,050 $829,250 $1,030,600
51 077 GRAYSON VA $453,100 $580,150 $701,250 $871,450
51 079 GREENE VA 16820 $453,100 $580,150 $701,250 $871,450
51 081 GREENSVILLE VA $453,100 $580,150 $701,250 $871,450
51 083 HALIFAX VA $453,100 $580,150 $701,250 $871,450
51 085 HANOVER VA 40060 $535,900 $686,050 $829,250 $1,030,600
51 087 HENRICO VA 40060 $535,900 $686,050 $829,250 $1,030,600
51 089 HENRY VA 32300 $453,100 $580,150 $701,250 $871,450
51 091 HIGHLAND VA $453,100 $580,150 $701,250 $871,450
51 093 ISLE OF WIGHT VA 47260 $458,850 $587,400 $710,050 $882,400
51 095 JAMES CITY VA 47260 $458,850 $587,400 $710,050 $882,400
51 097 KING AND QUEEN VA $535,900 $686,050 $829,250 $1,030,600
51 099 KING GEORGE VA $453,100 $580,150 $701,250 $871,450
51 101 KING WILLIAM VA 40060 $535,900 $686,050 $829,250 $1,030,600
51 103 LANCASTER VA $453,100 $580,150 $701,250 $871,450
51 105 LEE VA $453,100 $580,150 $701,250 $871,450
51 107 LOUDOUN VA 47900 $679,650 $870,225 $1,051,875 $1,307,175
51 109 LOUISA VA $535,900 $686,050 $829,250 $1,030,600
51 111 LUNENBURG VA $453,100 $580,150 $701,250 $871,450
51 113 MADISON VA $453,100 $580,150 $701,250 $871,450
51 115 MATHEWS VA 47260 $458,850 $587,400 $710,050 $882,400
51 117 MECKLENBURG VA $453,100 $580,150 $701,250 $871,450
51 119 MIDDLESEX VA $453,100 $580,150 $701,250 $871,450
51 121 MONTGOMERY VA 13980 $453,100 $580,150 $701,250 $871,450
51 125 NELSON VA 16820 $453,100 $580,150 $701,250 $871,450
51 127 NEW KENT VA 40060 $535,900 $686,050 $829,250 $1,030,600
51 131 NORTHAMPTON VA $453,100 $580,150 $701,250 $871,450
51 133 NORTHUMBERLAND VA $453,100 $580,150 $701,250 $871,450
51 135 NOTTOWAY VA $453,100 $580,150 $701,250 $871,450
51 137 ORANGE VA $453,100 $580,150 $701,250 $871,450
51 139 PAGE VA $453,100 $580,150 $701,250 $871,450
51 141 PATRICK VA $453,100 $580,150 $701,250 $871,450
51 143 PITTSYLVANIA VA 19260 $453,100 $580,150 $701,250 $871,450
51 145 POWHATAN VA 40060 $535,900 $686,050 $829,250 $1,030,600
51 147 PRINCE EDWARD VA $453,100 $580,150 $701,250 $871,450
51 149 PRINCE GEORGE VA 40060 $535,900 $686,050 $829,250 $1,030,600
51 153 PRINCE WILLIAM VA 47900 $679,650 $870,225 $1,051,875 $1,307,175
51 155 PULASKI VA 13980 $453,100 $580,150 $701,250 $871,450
51 157 RAPPAHANNOCK VA 47900 $679,650 $870,225 $1,051,875 $1,307,175
51 159 RICHMOND VA $453,100 $580,150 $701,250 $871,450
51 161 ROANOKE VA 40220 $453,100 $580,150 $701,250 $871,450
51 163 ROCKBRIDGE VA $453,100 $580,150 $701,250 $871,450
51 165 ROCKINGHAM VA 25500 $453,100 $580,150 $701,250 $871,450
51 167 RUSSELL VA $453,100 $580,150 $701,250 $871,450
51 169 SCOTT VA 28700 $453,100 $580,150 $701,250 $871,450
51 171 SHENANDOAH VA $453,100 $580,150 $701,250 $871,450
51 173 SMYTH VA $453,100 $580,150 $701,250 $871,450
51 175 SOUTHAMPTON VA $453,100 $580,150 $701,250 $871,450
51 177 SPOTSYLVANIA VA 47900 $679,650 $870,225 $1,051,875 $1,307,175
51 179 STAFFORD VA 47900 $679,650 $870,225 $1,051,875 $1,307,175
51 181 SURRY VA $458,850 $587,400 $710,050 $882,400
51 183 SUSSEX VA 40060 $535,900 $686,050 $829,250 $1,030,600
51 185 TAZEWELL VA 14140 $453,100 $580,150 $701,250 $871,450
51 187 WARREN VA 47900 $679,650 $870,225 $1,051,875 $1,307,175
51 191 WASHINGTON VA 28700 $453,100 $580,150 $701,250 $871,450
51 193 WESTMORELAND VA $453,100 $580,150 $701,250 $871,450
51 195 WISE VA 13720 $453,100 $580,150 $701,250 $871,450
51 197 WYTHE VA $453,100 $580,150 $701,250 $871,450
51 199 YORK VA 47260 $458,850 $587,400 $710,050 $882,400
51 510 ALEXANDRIA VA 47900 $679,650 $870,225 $1,051,875 $1,307,175
51 515 BEDFORD IND VA 31340 $453,100 $580,150 $701,250 $871,450
51 520 BRISTOL VA 28700 $453,100 $580,150 $701,250 $871,450
51 530 BUENA VISTA VA $453,100 $580,150 $701,250 $871,450
51 540 CHARLOTTESVILLE VA 16820 $453,100 $580,150 $701,250 $871,450
51 550 CHESAPEAKE VA 47260 $458,850 $587,400 $710,050 $882,400
51 570 COLONIAL HEIGHT VA 40060 $535,900 $686,050 $829,250 $1,030,600
51 580 COVINGTON VA $453,100 $580,150 $701,250 $871,450
51 590 DANVILLE VA 19260 $453,100 $580,150 $701,250 $871,450
51 595 EMPORIA VA $453,100 $580,150 $701,250 $871,450
51 600 FAIRFAX IND VA 47900 $679,650 $870,225 $1,051,875 $1,307,175
51 610 FALLS CHURCH VA 47900 $679,650 $870,225 $1,051,875 $1,307,175
51 620 FRANKLIN IND VA $453,100 $580,150 $701,250 $871,450
51 630 FREDERICKSBURG VA 47900 $679,650 $870,225 $1,051,875 $1,307,175
51 640 GALAX VA $453,100 $580,150 $701,250 $871,450
51 650 HAMPTON VA 47260 $458,850 $587,400 $710,050 $882,400
51 660 HARRISONBURG VA 25500 $453,100 $580,150 $701,250 $871,450
51 670 HOPEWELL VA 40060 $535,900 $686,050 $829,250 $1,030,600
51 678 LEXINGTON VA $453,100 $580,150 $701,250 $871,450
51 680 LYNCHBURG VA 31340 $453,100 $580,150 $701,250 $871,450
51 683 MANASSAS VA 47900 $679,650 $870,225 $1,051,875 $1,307,175
51 685 MANASSAS PARK VA 47900 $679,650 $870,225 $1,051,875 $1,307,175
51 690 MARTINSVILLE VA 32300 $453,100 $580,150 $701,250 $871,450
51 700 NEWPORT NEWS VA 47260 $458,850 $587,400 $710,050 $882,400
51 710 NORFOLK VA 47260 $458,850 $587,400 $710,050 $882,400
51 720 NORTON VA 13720 $453,100 $580,150 $701,250 $871,450
51 730 PETERSBURG VA 40060 $535,900 $686,050 $829,250 $1,030,600
51 735 POQUOSON VA 47260 $458,850 $587,400 $710,050 $882,400
51 740 PORTSMOUTH VA 47260 $458,850 $587,400 $710,050 $882,400
51 750 RADFORD VA 13980 $453,100 $580,150 $701,250 $871,450
51 760 RICHMOND IND VA 40060 $535,900 $686,050 $829,250 $1,030,600
51 770 ROANOKE IND VA 40220 $453,100 $580,150 $701,250 $871,450
51 775 SALEM VA 40220 $453,100 $580,150 $701,250 $871,450
51 790 STAUNTON VA 44420 $453,100 $580,150 $701,250 $871,450
51 800 SUFFOLK VA 47260 $458,850 $587,400 $710,050 $882,400
51 810 VIRGINIA BEACH VA 47260 $458,850 $587,400 $710,050 $882,400
51 820 WAYNESBORO VA 44420 $453,100 $580,150 $701,250 $871,450
51 830 WILLIAMSBURG VA 47260 $458,850 $587,400 $710,050 $882,400
51 840 WINCHESTER VA 49020 $453,100 $580,150 $701,250 $871,450

West Virginia VA Jumbo Loan Limits

Learn about the Virginia VA Jumbo Loan limits. Thinking about applying for a VA Loan in the state of Virginia? 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
54 001 BARBOUR WV $453,100 $580,150 $701,250 $871,450
54 003 BERKELEY WV 25180 $453,100 $580,150 $701,250 $871,450
54 005 BOONE WV 16620 $453,100 $580,150 $701,250 $871,450
54 007 BRAXTON WV $453,100 $580,150 $701,250 $871,450
54 009 BROOKE WV 48260 $453,100 $580,150 $701,250 $871,450
54 011 CABELL WV 26580 $453,100 $580,150 $701,250 $871,450
54 013 CALHOUN WV $453,100 $580,150 $701,250 $871,450
54 015 CLAY WV 16620 $453,100 $580,150 $701,250 $871,450
54 017 DODDRIDGE WV 17220 $453,100 $580,150 $701,250 $871,450
54 019 FAYETTE WV 13220 $453,100 $580,150 $701,250 $871,450
54 021 GILMER WV $453,100 $580,150 $701,250 $871,450
54 023 GRANT WV $453,100 $580,150 $701,250 $871,450
54 025 GREENBRIER WV $453,100 $580,150 $701,250 $871,450
54 027 HAMPSHIRE WV 49020 $453,100 $580,150 $701,250 $871,450
54 029 HANCOCK WV 48260 $453,100 $580,150 $701,250 $871,450
54 031 HARDY WV $453,100 $580,150 $701,250 $871,450
54 033 HARRISON WV 17220 $453,100 $580,150 $701,250 $871,450
54 035 JACKSON WV $453,100 $580,150 $701,250 $871,450
54 037 JEFFERSON WV 47900 $679,650 $870,225 $1,051,875 $1,307,175
54 039 KANAWHA WV 16620 $453,100 $580,150 $701,250 $871,450
54 041 LEWIS WV $453,100 $580,150 $701,250 $871,450
54 043 LINCOLN WV 26580 $453,100 $580,150 $701,250 $871,450
54 045 LOGAN WV 30880 $453,100 $580,150 $701,250 $871,450
54 047 MCDOWELL WV $453,100 $580,150 $701,250 $871,450
54 049 MARION WV 21900 $453,100 $580,150 $701,250 $871,450
54 051 MARSHALL WV 48540 $453,100 $580,150 $701,250 $871,450
54 053 MASON WV 38580 $453,100 $580,150 $701,250 $871,450
54 055 MERCER WV 14140 $453,100 $580,150 $701,250 $871,450
54 057 MINERAL WV 19060 $453,100 $580,150 $701,250 $871,450
54 059 MINGO WV $453,100 $580,150 $701,250 $871,450
54 061 MONONGALIA WV 34060 $453,100 $580,150 $701,250 $871,450
54 063 MONROE WV $453,100 $580,150 $701,250 $871,450
54 065 MORGAN WV $453,100 $580,150 $701,250 $871,450
54 067 NICHOLAS WV $453,100 $580,150 $701,250 $871,450
54 069 OHIO WV 48540 $453,100 $580,150 $701,250 $871,450
54 071 PENDLETON WV $453,100 $580,150 $701,250 $871,450
54 073 PLEASANTS WV $453,100 $580,150 $701,250 $871,450
54 075 POCAHONTAS WV $453,100 $580,150 $701,250 $871,450
54 077 PRESTON WV 34060 $453,100 $580,150 $701,250 $871,450
54 079 PUTNAM WV 26580 $453,100 $580,150 $701,250 $871,450
54 081 RALEIGH WV 13220 $453,100 $580,150 $701,250 $871,450
54 083 RANDOLPH WV 21180 $453,100 $580,150 $701,250 $871,450
54 085 RITCHIE WV $453,100 $580,150 $701,250 $871,450
54 087 ROANE WV $453,100 $580,150 $701,250 $871,450
54 089 SUMMERS WV $453,100 $580,150 $701,250 $871,450
54 091 TAYLOR WV 17220 $453,100 $580,150 $701,250 $871,450
54 093 TUCKER WV $453,100 $580,150 $701,250 $871,450
54 095 TYLER WV $453,100 $580,150 $701,250 $871,450
54 097 UPSHUR WV $453,100 $580,150 $701,250 $871,450
54 099 WAYNE WV 26580 $453,100 $580,150 $701,250 $871,450
54 101 WEBSTER WV $453,100 $580,150 $701,250 $871,450
54 103 WETZEL WV $453,100 $580,150 $701,250 $871,450
54 105 WIRT WV 37620 $453,100 $580,150 $701,250 $871,450
54 107 WOOD WV 37620 $453,100 $580,150 $701,250 $871,450
54 109 WYOMING WV $453,100 $580,150 $701,250 $871,450

More Calculators

VA Loan Calculator

Determine how much home you can afford.

 Funding Fee Calculator

Learn what it costs to fund a VA loan.

BAH Calculator

Calculate your Basic Housing Allowance.

VA Loan Limit Calculator

Find out how much you can borrow for $0 down.

Affordable Calculator

Estimate your loan preapproval amount based on your income and expenses.

Construction Loan Calculator

Obtain a construction loan for building or improving a home

VA Refinance Calculator

See if refinancing makes sense for you.

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