Conventional Loans - Austin VA Loans - Approved Austin VA Loan Lender

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Conventional Loans in Austin

A conventional loan is any home loan which is not guaranteed or insured by the federal government. There are a number of advantages that conventional loans could present to prospective home buyers who are borrowing from our company as their lender.

What are the Benefits of Conventional Loans?

They allow underwriting flexibility so that the loan will not have to meet secondary market guidelines.
Negotiations on amounts of certain loan fees are acceptable.
A Loan Officer may allow collateral other than or in addition to the real property being mortgaged.
Options to finance personal property with a real estate loan, such as appliances and furniture can also be applied in certain situations.

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Important Forms

SECURITY AMERICA MORTGAGE, INC.-NMLS 355253 IS LICENSED UNDER THE LAWS OF THE STATE OF TEXAS, AND BY STATE LAW IS SUBJECT TO REGULATORY OVERSIGHT BY THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. ANY CONSUMER WISHING TO FILE A COMPLAINT AGAINST SECURITY AMERICA MORTGAGE, INC. SHOULD COMPLETE, SIGN, AND SEND A COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING AT ADDRESS; 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE DOWNLOADED AND PRINTED FROM THE DEPARTMENT’S WEBSITE LOCATED AT HTTP://WWW.SML.TEXAS.GOV, OR OBTAINED FROM THE DEPARTMENT UPON REQUEST BY MAIL AT THE ADDRESS ABOVE, OR BY TELEPHONE AT ITS TOLL-FREE CONSUMER HOTLINE; 1-877-276-5550, OR BY FAX; (512) 475-1360, BY E-MAIL; This e-mail address is being protected from spambots. You need JavaScript enabled to view it. . THIS E-MAIL ADDRESS IS BEING PROTECTED FROM SPAM BOTS. YOU NEED JAVASCRIPT ENABLED TO VIEW IT. THE DEPARTMENT MAINTAINS THE MORTGAGE BROKER RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT SUBCHAPTER F OF THE MORTGAGE BROKER LICENSE ACT ON THE DEPARTMENT’S WEBSITE REFERENCED ABOVE.