VA loans offer exclusive benefits that make homeownership easier for veterans, active-duty, and reserve service members.
Use the benefits you’ve earned to own your next home or refinance the one you love—with expert support every step of the way.
Your VA Loan Advantage
- 100% Financing
Keep your savings for what matters most and move in with no down payment. - Lower Rates
VA loans can offer lower rates, making your monthly payments more affordable. - No Mortgage Insurance
Save more over time and pay even less each month with no Private Mortgage Insurance (PMI) required. - Fixed and Adjustable-rate Options
Not sure which option is best for you? Our mortgage experts will help you choose the right fit.
Where We Come In
Local Experts Who Get It
We live and work in your community, so we know the market—and what matters most to you.
A Clear, Stress-Free Process
We keep things simple, transparent, and easy to follow—so you always know what’s next.
Fast Pre-approvals & Quick Closings
We move at your pace—get pre-qualified within one business day and close in as little as 21 days1.
Ready to Purchase a Home?
Secure your mortgage loan with Wellby in just three simple steps.
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Apply OnlineStart your application and get pre-qualified within one business day. |
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Get Personalized GuidanceOur mortgage experts will help you choose the right option for you. |
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Close With ConfidenceLock in the best deal and move into your new home stress-free. |
Why Homeowners Love Wellby
95% of members* would recommend Wellby Mortgages to family, friends, and colleagues.
*Members with a Mortgage product who completed a transactional survey.
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"Samantha and Lisa did an amazing job at getting our mortgage for our new house in time for closing! They were thorough and explained everything very well and made it easy to get them the information they needed! I would definitely use them again if I planned on moving. I highly recommend them and their services!" Michelle H. |
“It has been a long road to achieve homeownership. With the help of Haley Long, our dreams came true. The process wasn’t as hard as we thought and she always answered any questions we had and made us feel like we weren’t just a number.” Jr R. |
“If you are buying a home I recommend talking with Haley Long. It was our first home purchase and she worked with us well beyond any other bank to provide the most competitive mortgage offer available. She is extremely professional and took care of everything. Extremely easy process with complete peace of mind.” Ben G. |
Start Your Homeownership Journey
Your dream of owning a home is closer than you think. Let’s make it happen together. Start your application today, and our mortgage loan experts will help guide you every step of the way.
APR = Annual Percentage Rate
*A VA loan amount of $280,000 for 30 years at 6.375% interest rate and 6.692% APR, with 0% down will have an estimated monthly payment of $1,784.39. This payment example does not include annual taxes or annual insurance and is for illustrative purposes only. The rate provided is the interest based on a loan amount of $280,000, owner-occupied, single-family 1-unit dwelling, 100% LTV, and a FICO score of 700. Please speak with a Wellby mortgage specialist for more details.
1Not guaranteed due to events beyond our control.
Your rate and term depend on your unique credit rating, combined loan-to-value, amount financed, and other factors. Subject to credit approval and proof of income required. Rates and terms are subject to change without prior notice. Other restrictions apply. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. For additional mortgage program information and loan criteria and loan terms, call (281) 488-7070.