VA Loan

A VA loan is a popular program for active military personnel, veterans, and their families. What are the benefits of a VA Loan?

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Lower Cost

No Required Down Payment

In most cases there’s no required down payment with this program. If the price of the home is over the appraised value or higher than the VA loan limit you’ll need to pay a down payment.



Since the government sponsors VA home loans, there’s no Private Mortgage Insurance. As a result qualified buyers will experience lower closing costs and monthly payments.

Reduce Cost

Covered or Limited Closing Costs

VA loan rules limit how much a borrower pays in closing costs. This means you might end up paying less in closing fees than with other loan options. The program allows sellers to cover part or all of the closing costs.

Steps to a VA Loan

Once you find the right program for you, the process is as simple as 1, 2, 3!

  • STEP 1

    Get Pre-Approved

    Our mobile app, Mortgage Express, helps you get pre-approved quickly. It’s secure and you can upload all required documents straight into the app to save you time and energy.

  • STEP 2

    Talk to a Mortgage Consultant

    Your mortgage consultant will keep you and your agent updated every step of the way with our Milestone Updates.

  • STEP 3

    Close on Your Loan

    Your consultant will assist you with everything you need and help you setup your closing appointment.

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The Bailey & Wood Difference

Bailey and Wood makes financing your Dream Home easy! What makes us different? We’re local, have in-house processing, and give back to the communities we service!

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Hometown Hero Program

Bailey & Wood loves supporting our community anyway we can! Which is why we have developed the Hometown Hero Program to assist veterans, first responders, teachers, and more with financing their dream home!

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This process is just amazing! The people at Bailey and Wood are outstanding!

Sebastian S.

VA Frequently Asked Questions

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