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Looking for a va loan specialist in Bay City? Review the directory below to compare your options.
16 agents listed
Updated May 2026
Bay City, MI
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Michigan before hiring.
Showing 16 va loan specialists in Bay City, MI
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Check `n Go
3900 State Street Rd Suite 220, Bay City, MI 48706
9896710039
Advance America
3970 Wilder Rd Ste C, Bay City, MI 48706
9896675740
Total Home Lending - Bay City
1901 S Euclid Ave Suite 6, Bay City, MI 48706
9896712701
Sunrise Family Credit Union
404 S Euclid Ave, Bay City, MI 48706
9896841730
Wildfire Credit Union
2936 Wilder Rd, Bay City, MI 48706
9892498200
Sheila Schmidt - Total Home Lending
1901 S Euclid Ave, Bay City, MI 48706
9897808401
Great Lakes Bay Vet Center
6387 Westside Saginaw Rd, Bay City, MI 48706
9893214650
Heppner Team - Total Home Lending
1901 S Euclid Ave #6, Bay City, MI 48706
9899286229
Top Flite Financial Inc
4773 2 Mile Rd, Bay City, MI 48706
9894503901
Trevor Hahn-Guild Mortgage
401 Center Ave Suite 2, Bay City, MI 48708
9892841269
Pierpoint Mortgage Bay City, MI
4300 Wheeler Rd, Bay City, MI 48706
9896565098
Guild Mortgage - Justin Holyszko
201 6th St Unit 207, Bay City, MI 48708
9892450373
Bay County Veteran's Office
515 Center Ave # 103, Bay City, MI 48708
9898954190
Hantz Financial Services, Inc. - Bay City, Michigan
115 First St, Bay City, MI 48708
9896849813
PNC Mortgage
1111 N Euclid Ave, Bay City, MI 48706
9898949356
PNC Mortgage
610 Lafayette Ave, Bay City, MI 48708
9898949344
VA loan specialists in Bay City, Michigan help veterans and active duty service members secure home financing with no down payment. Michigan law requires lenders to provide a clear closing disclosure and follow specific appraisal rules for VA loans. Local specialists understand Bay City property values and can guide you through the process from pre-approval to closing.
What Does a VA Loan Specialist in Bay City Cost?
Typical costs for a VA loan specialist in Michigan include an origination fee of 0.5% to 1% of the loan amount. You may also pay for an appraisal, usually between $500 and $700, and a VA funding fee of 1.25% to 3.3% depending on your down payment and service status. Some lenders charge flat fees for processing, ranging from $300 to $800. Costs vary by situation and lender. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What is a VA loan specialist in Bay City?
A VA loan specialist is a mortgage professional who focuses on loans backed by the U.S. Department of Veterans Affairs. They help veterans in Bay City understand eligibility, gather required documents, and complete the loan process. Specialists often work with local lenders familiar with Michigan property laws.
Do I need a Certificate of Eligibility for a VA loan in Michigan?
Yes, you need a Certificate of Eligibility from the VA to prove your service history. Your specialist can help you obtain this document online or by mail. Michigan lenders will require it before processing your loan application.
Are there Michigan-specific rules for VA loans?
Yes, Michigan has specific property tax exemptions for disabled veterans. Also, the state requires a 30-day notice for any changes to the loan terms before closing. Your specialist will ensure all Michigan disclosure rules are followed.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Michigan.