Apply for a VA Loans in Michigan and make your Dream Home a Reality

Get Pre-Qualified for a VA loans in Michigan

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 Michigan.

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 VA loans in Michigan

1. We offer VA, FHA, and All home loan types.
2. $0 Down Payment for VA Home Loans.
3. No Need for Private Mortgage Insurance.
4. Competitive Interests Rates.
5. Lower Payments.
6. Easier to Qualify.
7. 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 Loans in Michigan 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!

Michigan VA Jumbo Loan

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

If you are in Michigan 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 Michigan 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 Michigan above today!

Michigan 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
26	001	ALCONA	MI		$453,100	$580,150	$701,250	$871,450
26	003	ALGER	MI		$453,100	$580,150	$701,250	$871,450
26	005	ALLEGAN	MI	26090	$453,100	$580,150	$701,250	$871,450
26	007	ALPENA	MI	10980	$453,100	$580,150	$701,250	$871,450
26	009	ANTRIM	MI		$453,100	$580,150	$701,250	$871,450
26	011	ARENAC	MI		$453,100	$580,150	$701,250	$871,450
26	013	BARAGA	MI		$453,100	$580,150	$701,250	$871,450
26	015	BARRY	MI	24340	$453,100	$580,150	$701,250	$871,450
26	017	BAY	MI	13020	$453,100	$580,150	$701,250	$871,450
26	019	BENZIE	MI	45900	$453,100	$580,150	$701,250	$871,450
26	021	BERRIEN	MI	35660	$453,100	$580,150	$701,250	$871,450
26	023	BRANCH	MI	17740	$453,100	$580,150	$701,250	$871,450
26	025	CALHOUN	MI	12980	$453,100	$580,150	$701,250	$871,450
26	027	CASS	MI	43780	$453,100	$580,150	$701,250	$871,450
26	029	CHARLEVOIX	MI		$453,100	$580,150	$701,250	$871,450
26	031	CHEBOYGAN	MI		$453,100	$580,150	$701,250	$871,450
26	033	CHIPPEWA	MI	42300	$453,100	$580,150	$701,250	$871,450
26	035	CLARE	MI		$453,100	$580,150	$701,250	$871,450
26	037	CLINTON	MI	29620	$453,100	$580,150	$701,250	$871,450
26	039	CRAWFORD	MI		$453,100	$580,150	$701,250	$871,450
26	041	DELTA	MI	21540	$453,100	$580,150	$701,250	$871,450
26	043	DICKINSON	MI	27020	$453,100	$580,150	$701,250	$871,450
26	045	EATON	MI	29620	$453,100	$580,150	$701,250	$871,450
26	047	EMMET	MI		$453,100	$580,150	$701,250	$871,450
26	049	GENESEE	MI	22420	$453,100	$580,150	$701,250	$871,450
26	051	GLADWIN	MI		$453,100	$580,150	$701,250	$871,450
26	053	GOGEBIC	MI		$453,100	$580,150	$701,250	$871,450
26	055	GRAND TRAVERSE	MI	45900	$453,100	$580,150	$701,250	$871,450
26	057	GRATIOT	MI	10940	$453,100	$580,150	$701,250	$871,450
26	059	HILLSDALE	MI	25880	$453,100	$580,150	$701,250	$871,450
26	061	HOUGHTON	MI	26340	$453,100	$580,150	$701,250	$871,450
26	063	HURON	MI		$453,100	$580,150	$701,250	$871,450
26	065	INGHAM	MI	29620	$453,100	$580,150	$701,250	$871,450
26	067	IONIA	MI	26960	$453,100	$580,150	$701,250	$871,450
26	069	IOSCO	MI		$453,100	$580,150	$701,250	$871,450
26	071	IRON	MI		$453,100	$580,150	$701,250	$871,450
26	073	ISABELLA	MI	34380	$453,100	$580,150	$701,250	$871,450
26	075	JACKSON	MI	27100	$453,100	$580,150	$701,250	$871,450
26	077	KALAMAZOO	MI	28020	$453,100	$580,150	$701,250	$871,450
26	079	KALKASKA	MI	45900	$453,100	$580,150	$701,250	$871,450
26	081	KENT	MI	24340	$453,100	$580,150	$701,250	$871,450
26	083	KEWEENAW	MI	26340	$453,100	$580,150	$701,250	$871,450
26	085	LAKE	MI		$453,100	$580,150	$701,250	$871,450
26	087	LAPEER	MI	19820	$453,100	$580,150	$701,250	$871,450
26	089	LEELANAU	MI	45900	$453,100	$580,150	$701,250	$871,450
26	091	LENAWEE	MI	10300	$453,100	$580,150	$701,250	$871,450
26	093	LIVINGSTON	MI	19820	$453,100	$580,150	$701,250	$871,450
26	095	LUCE	MI		$453,100	$580,150	$701,250	$871,450
26	097	MACKINAC	MI		$453,100	$580,150	$701,250	$871,450
26	099	MACOMB	MI	19820	$453,100	$580,150	$701,250	$871,450
26	101	MANISTEE	MI		$453,100	$580,150	$701,250	$871,450
26	103	MARQUETTE	MI	32100	$453,100	$580,150	$701,250	$871,450
26	105	MASON	MI	31220	$453,100	$580,150	$701,250	$871,450
26	107	MECOSTA	MI	13660	$453,100	$580,150	$701,250	$871,450
26	109	MENOMINEE	MI	31940	$453,100	$580,150	$701,250	$871,450
26	111	MIDLAND	MI	33220	$453,100	$580,150	$701,250	$871,450
26	113	MISSAUKEE	MI	15620	$453,100	$580,150	$701,250	$871,450
26	115	MONROE	MI	33780	$453,100	$580,150	$701,250	$871,450
26	117	MONTCALM	MI	24340	$453,100	$580,150	$701,250	$871,450
26	119	MONTMORENCY	MI		$453,100	$580,150	$701,250	$871,450
26	121	MUSKEGON	MI	34740	$453,100	$580,150	$701,250	$871,450
26	123	NEWAYGO	MI		$453,100	$580,150	$701,250	$871,450
26	125	OAKLAND	MI	19820	$453,100	$580,150	$701,250	$871,450
26	127	OCEANA	MI		$453,100	$580,150	$701,250	$871,450
26	129	OGEMAW	MI		$453,100	$580,150	$701,250	$871,450
26	131	ONTONAGON	MI		$453,100	$580,150	$701,250	$871,450
26	133	OSCEOLA	MI		$453,100	$580,150	$701,250	$871,450
26	135	OSCODA	MI		$453,100	$580,150	$701,250	$871,450
26	137	OTSEGO	MI		$453,100	$580,150	$701,250	$871,450
26	139	OTTAWA	MI	24340	$453,100	$580,150	$701,250	$871,450
26	141	PRESQUE ISLE	MI		$453,100	$580,150	$701,250	$871,450
26	143	ROSCOMMON	MI		$453,100	$580,150	$701,250	$871,450
26	145	SAGINAW	MI	40980	$453,100	$580,150	$701,250	$871,450
26	147	ST. CLAIR	MI	19820	$453,100	$580,150	$701,250	$871,450
26	149	ST. JOSEPH	MI	44780	$453,100	$580,150	$701,250	$871,450
26	151	SANILAC	MI		$453,100	$580,150	$701,250	$871,450
26	153	SCHOOLCRAFT	MI		$453,100	$580,150	$701,250	$871,450
26	155	SHIAWASSEE	MI	37020	$453,100	$580,150	$701,250	$871,450
26	157	TUSCOLA	MI		$453,100	$580,150	$701,250	$871,450
26	159	VAN BUREN	MI	28020	$453,100	$580,150	$701,250	$871,450
26	161	WASHTENAW	MI	11460	$453,100	$580,150	$701,250	$871,450
26	163	WAYNE	MI	19820	$453,100	$580,150	$701,250	$871,450
26	165	WEXFORD	MI	15620	$453,100	$580,150	$701,250	$871,450

Apply for a VA Loans in Michigan and make your Dream Home a Reality