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

Get Pre-Qualified for a VA Loan in Washington

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 Washington.

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 VA 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 Washington

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

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

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

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!

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.

Washington VA Jumbo Loan Limits

Thinking about applying for a VA Loan in the state of Washington? Learn about the Washington 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
53 001 ADAMS WA 36830 $453,100 $580,150 $701,250 $871,450
53 003 ASOTIN WA 30300 $453,100 $580,150 $701,250 $871,450
53 005 BENTON WA 28420 $453,100 $580,150 $701,250 $871,450
53 007 CHELAN WA 48300 $453,100 $580,150 $701,250 $871,450
53 009 CLALLAM WA 38820 $453,100 $580,150 $701,250 $871,450
53 011 CLARK WA 38900 $453,100 $580,150 $701,250 $871,450
53 013 COLUMBIA WA 47460 $453,100 $580,150 $701,250 $871,450
53 015 COWLITZ WA 31020 $453,100 $580,150 $701,250 $871,450
53 017 DOUGLAS WA 48300 $453,100 $580,150 $701,250 $871,450
53 019 FERRY WA $453,100 $580,150 $701,250 $871,450
53 021 FRANKLIN WA 28420 $453,100 $580,150 $701,250 $871,450
53 023 GARFIELD WA $453,100 $580,150 $701,250 $871,450
53 025 GRANT WA 34180 $453,100 $580,150 $701,250 $871,450
53 027 GRAYS HARBOR WA 10140 $453,100 $580,150 $701,250 $871,450
53 029 ISLAND WA 36020 $453,100 $580,150 $701,250 $871,450
53 031 JEFFERSON WA $453,100 $580,150 $701,250 $871,450
53 033 KING WA 42660 $667,000 $853,900 $1,032,150 $1,282,700
53 035 KITSAP WA 14740 $453,100 $580,150 $701,250 $871,450
53 037 KITTITAS WA 21260 $453,100 $580,150 $701,250 $871,450
53 039 KLICKITAT WA $453,100 $580,150 $701,250 $871,450
53 041 LEWIS WA 16500 $453,100 $580,150 $701,250 $871,450
53 043 LINCOLN WA $453,100 $580,150 $701,250 $871,450
53 045 MASON WA 43220 $453,100 $580,150 $701,250 $871,450
53 047 OKANOGAN WA $453,100 $580,150 $701,250 $871,450
53 049 PACIFIC WA $453,100 $580,150 $701,250 $871,450
53 051 PEND OREILLE WA 44060 $453,100 $580,150 $701,250 $871,450
53 053 PIERCE WA 42660 $667,000 $853,900 $1,032,150 $1,282,700
53 055 SAN JUAN WA $483,000 $618,300 $747,400 $928,850
53 057 SKAGIT WA 34580 $453,100 $580,150 $701,250 $871,450
53 059 SKAMANIA WA 38900 $453,100 $580,150 $701,250 $871,450
53 061 SNOHOMISH WA 42660 $667,000 $853,900 $1,032,150 $1,282,700
53 063 SPOKANE WA 44060 $453,100 $580,150 $701,250 $871,450
53 065 STEVENS WA 44060 $453,100 $580,150 $701,250 $871,450
53 067 THURSTON WA 36500 $453,100 $580,150 $701,250 $871,450
53 069 WAHKIAKUM WA $453,100 $580,150 $701,250 $871,450
53 071 WALLA WALLA WA 47460 $453,100 $580,150 $701,250 $871,450
53 073 WHATCOM WA 13380 $453,100 $580,150 $701,250 $871,450
53 075 WHITMAN WA 39420 $453,100 $580,150 $701,250 $871,450
53 077 YAKIMA WA 49420 $453,100 $580,150 $701,250 $871,450

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