We are excited to announce that we are changing our company name from Mid America Mortgage, Inc. to Click n’ Close, Inc. effective June 27th, 2022.
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VA Home Loans

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We are proud to work with our Nation’s heroes – the veterans and active duty men and women who serve in the US military and their families.

VA loans make it possible for those who qualify to purchase a new home with no down payment. Refinance loans are also available, with a streamlined option for eligible homeowners with an existing VA mortgage.

VA Home Loans Addison

About Military Home Loans

There are a number of benefits to VA loans including the ability to purchase real estate with no down payment, lower credit scores may be considered, no mortgage insurance is needed, and the ability of sellers to contribute toward closing cost expenses.

At Mid America Mortgage, Inc., we offer highly competitive VA mortgage rates which may even be lower than conventional pricing at times.

Additional Features Include

More on VA Mortgages

  • There is no down payment required. However, the sales price cannot be higher than the appraised value of home home.
  • Not exclusive to first time home buyers.
  • There are no private mortgage insurance requirements with a VA mortgage.
  • Sellers may contribute towards closing costs in many cases.
  • There is no prepayment penalty for paying off a VA mortgage early.
  • VA loans are assumable.
Please contact one of our mortgage professionals and we can help guide you through determining your eligibility and what is needed for verification. There is a good summary of service requirements located on the VA website.
VA IRRRL loans allow borrowers with VA mortgages the ability to lower their interest rate without many of the costs and hurdles associated with other mortgage programs. Here are some details on IRRRL refinancing:
  • There is no appraisal required with an IRRRL.
  • Borrowers may be able to roll any costs into their loan amounts or take on a higher rate in order for a lender to pay any associated loan expenses.
  • No cash-out is available from a VA Interest Rate Reduction Refinance Loan.
There is a detailed of list of criteria on VA’s website along with steps to take once you’ve compiled your documentation.
Before you make an offer, be sure to discuss with your real estate professional if having a VA Option Clause in your Purchase and Sales Agreement is a smart move. A VA Option Clause may enable you to void the contract without penalty if you are unable to qualify for VA financing.
No. A review of your credit history is part of the underwriting process. To qualify, borrowers should be able to show a history of paying their bills on time.
The Department of Veterans Affairs publishes the VA loan limits through their website
Questions? Contact Mid America Mortgage, Inc. Today!

Not sure where to start? Contact one of our mortgage professionals today!

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Mid America Mortgage

Mid America Mortgage Inc. is excited to announce that our Servicing Division goes live November 4, 2019. On this date, our employees will be begin servicing our retained loans with a new, efficient system. For more information, please read this.

If you have any questions, please reach Mid America Mortgage Inc. by calling: (888) 845-6535 or emailing customerservice@midamericamortgage.com. The customer service hotline is open Monday through Friday 8:00 am – 6:00 pm CST and Saturday 8:00 am – 12:00 pm CST.

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