At Texas VA Mortgage, we pride ourselves on being different from other service providers. We specialize in VA Loans and take great pride in serving those who have served. This dedication and focus on VA loans has allowed us to not only streamline the VA loan process but also anticipate any issues that may arise allowing us to close your loan smoothly and on time. Thank you for allowing us the opportunity to earn your business.
We specialize in VA Loans and take great pride in serving those who have served. This dedication and focus on VA loans has allowed us to not only streamline the VA loan process but also anticipate any issues that may arise allowing us to close your loan smoothly and on time. Thank you for allowing us the opportunity to earn your business.
Start Your VA Loan Application.
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We Are the Texas VA Mortgage Specialists
Security American Mortgage (SAM) is your Texas VA mortgage loan specialist. We specialize in VA mortgage loans throughout the great state of Texas. VA home loans are designed to provide assistance to veterans, active duty military personnel and surviving spouses of veterans who wish to purchase a new home or refinance their current mortgage. We underwrite, process and approve your loan in house, there is no middle man. At SAM, we strongly believe all active service member and veterans should be aware of their VA benefits for home ownership. Equally important, we believe our service men and women deserve to have access to the best rates, excellent service and VA loan expertise. We take great pride in being different from other service providers, our primary focus is to serve those who have served our country. This dedication and focus on VA loans has allowed us to streamline the VA loan process, making it very smooth and easy for our clients.
We are a VA Approved Lender
The Department of Veteran Affairs requires those who offer VA loans go through a stringent approval process. We are a VA-approved lender and are proud to be able to help our servicemen and veterans take advantage of their VA loan benefits. Security America Mortgage (SAM) is also among a rare group of national lenders that is certified through USA Cares to work with military home buyers. All SAM VA loan specialist are required to take this certification course, which gives them the tools to understand the unique aspects of lending to military borrowers. USA Cares Inc. is a national military assistance nonprofit organization that gives emergency financial support to the military and their families. For more information on USA Cares Click here.
We Make the Process Fast and Simple
Once you get started, you will be assigned your own certified VA loan officer. Your loan officer will be there with you every step of the way, answering all your questions and gathering the necessary paperwork to process your loan quickly and efficiently. Unlike most mortgage companies your assigned VA loan specialist will be be part of the process every step of the way. Our VA loan specialist will provide you with their cell phone number so you can contact them directly throughout the process, even on weekends.
VA Loan Programs for Texas Veterans
VA Purchase
Buy anywhere in Texas with $0 down, no mortgage insurance, and seller-paid closing costs on the table. One to four units qualify.
Learn more →02100% VA Construction Loans
Our national specialty: land and custom build in one closing, $0 down, no payments during construction. The loan most lenders advertise and cannot close.
Learn more →03VA Refinance and IRRRL
Drop your rate with the VA Streamline Refinance, minimal paperwork and usually no appraisal, or restructure the whole loan.
Learn more →04VA Cash-Out Refinance in Texas
Equity access under Texas's own Section 50(a)(6) rules, which is exactly why you want a Texas lender running it.
Learn more →05VA Jumbo Loans
Above the $832,750 conforming baseline, veterans with full entitlement still buy with no VA loan limit and favorable terms.
Learn more →06VA Loan Assumption
Take over an existing VA loan at its original rate, one of the strongest plays this rate market offers, for buyers and sellers both.
Learn more →07VA Loan Requirements in Texas
Credit, income, entitlement, occupancy, and the community property rule that surprises Texas couples, all in one guide.
Learn more →08Calculators and Tools
BAH calculator, VA entitlement calculator, mortgage calculator, and the documents checklist that makes closing fast.
Learn more →TESTIMONIAL
Robert Cruz and Family
The Gonzalez Family
Scott Jacobson
Why Texas Veterans Choose Us
VA loans only.
Specialization is the product. A shop that closes VA files all day anticipates VA problems before they cost you a closing date.
In-house underwriting.
Your file never leaves the building: processing, underwriting, and approval under one roof, with answers in days, not weeks.
The construction lender.
We are known nationally for the VA One Time Close. Veterans told "no" on construction by three lenders get their yes here, at $0 down.
Direct access, including weekends.
Your certified VA loan specialist gives you their cell number at the start and carries your file personally to the closing table.
Gate to Keys in Four Steps
Apply in 60 seconds
Online or at (888) 295-4055. COE pulled electronically, Texas exemptions applied, same day answer.
Shop with an underwritten preapproval
Texas listing agents know the difference, and your offer benefits.
We run the VA timeline
Appraisal, underwriting, conditions, all in house, with your specialist reachable the whole way.
Close in 25 to 35 days
On standard purchases. Construction files get their own concierge path.
Texas Gives Veterans More. We Make Sure You Collect All of It.
Property tax exemptions
Disabled veterans earn reductions from a 10 percent rating up, and a 100 percent permanent and total rating means zero property tax on your Texas homestead, often $700 or more a month. We build your exemption into the preapproval, not after closing.
The Texas Vet rate discount
The Veterans Land Board program can stack a below market rate on a VA loan, with an extra half percent off at a 30 percent or higher rating. We price it against open market VA on every file.
Funding fee waived
For veterans receiving VA disability compensation, which describes a large share of the Texas files we close.
BAH that buys, not rents
At most Texas duty stations, your housing allowance covers ownership. Our BAH calculator shows your number and what it supports.
Led by 20 Years of VA Lending
Has specialized in VA lending for 20 years, building one of the country's most recognized VA construction loan programs along the way.
Reviews the guidance published across this site.
Between the loan desk and the published guides, the goal is the same: every Texas veteran using every dollar of the benefit they earned.
Quick Answers for Texas Veterans
Any VA approved lender can, but specialization matters. We are a Texas based VA specialist, and VA lending, including 100% construction loans, is our entire business.
640 with us. The VA itself publishes no minimum, and files below 640 usually have a short path to qualifying that we map out on the first call.
Not for veterans with full entitlement. Every Texas county uses the $832,750 baseline in 2026, and it only matters for partial entitlement math and jumbo pricing tiers.
Yes. The VA One Time Close finances land and construction in a single closing with $0 down and no payments during the build. It is our national specialty.
At a 100 percent permanent and total rating, zero property tax on the homestead. Partial exemptions start at a 10 percent rating, and we apply them in your preapproval.
25 to 35 days on standard purchase files, with same day preapprovals and remote closings for PCS timelines.
The VA Loan Is All We Do, and Texas Is Where We Do It
Texas VA Mortgage is operated by Security America Mortgage, Inc., a lender headquartered in Houston. We are not a bank with a VA desk in the back. VA lending is the entire business: purchases, 100% VA construction loans, refinances, and jumbo files for the veterans of the largest veteran state in America.
We underwrite, process, and approve your loan in house, with no middleman, which is how our files close smoothly and on time, and how problems get solved by the person whose cell number you already have. Thank you for the opportunity to serve those who have served.