Rating: 9.2 / 10 (Excellent)
4 Customer Reviews - see all comments
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Founded in 2002, Veterans United is a full-service lender that specializes in VA loans for qualifying veterans, military members and their spouses. </br> </br> Based in Columbia, Missouri, the organization carries an unparalleled reputation for customer satisfaction – Veterans United has a 97% customer recommendation rating, and the company received the highest score of more than 25 mortgage lenders for customer satisfaction in J.D. Power’s 2017 U.S. Primary Mortgage Origination Satisfaction Study.

How is Veterans United rated?

Breakdown

4.5/5
Lender Types
4.5/5
Available Mortgage Types
5.0/5
Customer Experience
5.0/5
Reputation & Transparency

Overall Rating: 4.6 / 5 (Excellent)

Like all VA loans, mortgages offered through Veterans United are insured by the US Department of Veteran’s Affairs. Because of this, the company is able to offer loans with significantly more favorable conditions to service members and veterans than usually available to the civilian population, like flexible qualification guidelines, lower rates, lower monthly payments, no down payments, and no private mortgage insurance.

As the country's No. 1 Lender for VA purchase loans, Veterans United has closed over 100,000 home loans for military service members and their families.

Veterans United Loan Specifics

Available Mortgage Types - 4.5 / 5

Veterans United offers VA Purchase Loans, VA Cash-Out Refinance Loans, and VA Interest Rate Reduction Refinance Loans – often called a Streamline Refinance.

To get the ball rolling, veterans and service members can avail themselves of a host of online calculators and educational tools to assess their own financial situation, learn the VA loan process, and get help with finding the right home given all this information.

Types of Mortgage Loans Offered

  • Fixed Rate 15 Year
  • Fixed Rate 20 Year
  • Fixed Rate 25 Year
  • Fixed Rate 30 Year
  • 5/1 ARM
  • Jumbo Fixed Rate
  • Jumbo Adjustable Rate
  • VA Fixed Rate
  • VA Adjustable Rate
  • FHA Fixed Rate
  • FHA Adjustable Rate
  • USDA Loan
  • Interest Rate Reduction Refinance Loan (IRRRL)

Veterans United Customer Experience

Customer Experience - 5 / 5

Veterans United is not just a financial organization providing VA loans to service members, they are a full service resource of advice and help for active and former military personnel.

The company offers a trove of online guidance and education, so it’s not just a matter of do you qualify or not: Veterans United will work with you from the very beginning of the process and guide you along the path of finding the right home, getting your credit in shape, and selecting the best possible VA loan for your situation.

Veterans United also offers a one-of-a-kind program designed specifically for military homebuyers to help improve their credit, at no cost. Customers can work with a dedicated Lighthouse Consultant to take strategic steps towards homeownership.

If consumers have any questions during the VA Loan Program or their application process, they can contact one of the company's Home Loan Specialists over the phone, who are available 24/7, to better serve members overseas.

Online Features

Online Quote
Yes
Additional Tools and Resources
Mortgage Calculator
Affordability Calculator
Help Articles
Credit Building Program

Veterans United Qualification Requirements

Qualification Requirements - 4.5 / 5

VA loans are a $0 down payment mortgage option available to Veterans, Service Members and select military spouses, are issued by private lenders, and are guaranteed by the U.S. Department of Veterans Affairs (VA).

All prospective borrowers under the VA loan program must obtain a Certificate of Eligibility (COE) from the Veterans Administration. Veterans United may be able to get this document for you.

In order to get a COE, generally speaking, you must:
  • Have 90 consecutive days of active service during wartime, or
  • Have 181 days of service during peacetime, or
  • Six years in the Reserves or National Guard, or
  • Be the spouse of a service member who has died in the line of duty or as a result of an injury sustained in the line of duty

  • Because VA loans are insured by the federal government, credit score typically isn’t as much of a limiting factor as it is with conventional loans, however, it still will play a part.

    If your credit is less than stellar, it would be a good idea to avail yourself of Veterans United’s credit building service. As an active or former service member, the company connects you with credit and VA loan experts free of charge to help get you on track to securing a home.

    If you have additional questions about whether you qualify, you can contact Veterans United's Home Loan Specialists, who are available 24/7.

    Key Requirements at a Glance

    Minimum FICO Score
    620
    Minimum Down Payment
    $0

    Additional Qualification Requirements

    To determine eligibility, prospective borrowers may have to initially provide the following information military service history, information about the property, and personal information such as credit score, email address, and phone number.

    Veterans United Lender Reputation

    Reputation & Transparency - 5 / 5

    Veterans United has been the country's No. 1 Lender for VA purchase loans in 2016, 2017 and 2018, with over 100,000 closed home loans for military service members and their families.

    What really sets the company apart is their involvement in the military community. The company is advised by a board of former senior military personnel representing every service branch whose mission is to educate veterans as to the benefits of VA loan programs and home ownership in general.

    What’s more, Veterans United has unmatched VA loan expertise and is the country’s No. 1 lender for VA purchase loans. The company enjoys excellent ratings with the Better Business Bureau and TrustPilot.

    Key Facts

    Lender Type
    Direct Lender
    Year Founded
    2002
    BBB Rating
    A+
    Trustpilot Rating
    4.9 out of 5
    Collection Date
    2019-04-22

    Complaints & Regulatory Actions

    Nationwide Mortgage Licensing System ID
    1907

    Company Profile

    Full Name
    Veterans United Mortgage Rates
    Headquarters
    2101 Chapel Plaza Ct., Columbia, MO, 65203

    Disclosure

    NMLS ID #1907. Equal Housing lender. Veterans United is a VA approved lender; Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.

    Top Rated
    Our Partner

    Veterans United Home Loans

    We’ve streamlined VA homebuying
      Determine your 2024 homebuying budget 
      Get up to 100% financing with a VA home loan 
      300,000+ verified 5-star reviews from customers
      America's #1 VA Lender (VA Lender Statistics) 

    Latest Veterans United Reviews

    A
    Austin J

    11/7/2024
    Veterans United made the home buying process extremely streamlined! I would recommend any veteran looking to get into home ownership seriously reach out to them and they will take great care of you!


    jcariman

    11/2/2024
    I have purchased a couple of homes already, but this was the first time utilizing Veterans United. Absolutely the best choice I have ever made. Veterans United has a team that will work with you every step of the way, from beginning to end. They will get you the best deal possible with a fare rate that you won’t be able to resist. Nick Vance and his team gets a five stars from me.


    Tabitha J

    10/26/2024
    Working with Veterans United made my home buying experience very easy and not stressful, I will be using them again in the future,


    I
    Isabella S

    10/26/2024
    It was a quick and easy process, I did everything I needed to do and they got everything done quickly.


    G
    George R

    10/24/2024
    This went from a purchase of a family house that's been in the family since 1947 to a Home Equity after my father passed very suddenly. Chris and team did a fantastic job helping me and being patient dealing with multiple states as we switched things around. I highly recommend Chris and team to anyone that will listen.


    boomplatinum

    10/21/2024
    The team that was put together for me on my home buying process was really a dream team. The entire team really went above and beyond despite a 13+ hour time difference for just over three quarters of the way! They were always responsive and always had the answers. They also ensured we were aware and understood things that just wasn't common knowledge unless you encountered it. Thankyou!


    J
    Jesse B

    10/13/2024
    The home buying experience with Veterans United has been outstanding. This is my second home purchase and did not hesitate in choosing Veterans United as my lender. My home buying loan team guided me through the process gave frequent updates, and were there to assist in all stages of the process.


    Nick H

    10/11/2024
    I had great experience with Veterans United VA loan , the entire process was outstanding, fast and flawless. They closed my loan in 20 days. Everything was done online, constantly keep in touch with emails. I submitted all required paperwork. They communicated with realtor, scheduled all inspections, advised me on interest if I wanted a little lower (5.5 with small prepayment) or regular (5.65 at 10/09/24)Highly recommend. The closing was easy, I got all the paperwork in advance by email to review and sign . So just came signed again and got a keys to my house. My loan officer was Mike and underwriter Jessica, state Missouri.


    C
    Christopher M

    9/24/2024
    A great organization to work with and would recommend them to my fellow colleagues.


    bushidoconceptsllc

    9/19/2024
    Great home buying experience, every question was answered in an expedient manner! Would recommend to all veterans looking to purchase a new home. We were treated like family, and that was extremely important to us. Mathew Thayer, Laura, and the team kept us sane while going through the stressful underwriting process. Thank you!


    M
    Monika L

    9/10/2024
    I lucked out with having a great loan team! Brian Flanigan and his team were absolutely amazing! Thanks so much for everything and I hope to work with them again in the future. I will refer my friends and family directly to his team because I know they’ll be taken care of and given great service! Thanks Brian, Tanner, Vickie, and Sam! And i almost forgot to mention…they made it happen so I could close in less than 30 days…AMAZING!!!!


    F
    Foresakinalliance78

    9/4/2024
    Fast, easy, and dependable. The whole team worked with my wife & I in an efficient manner. When we decide to purchase another home in the future, we will be using Veteran’s United.


    R
    Rylan B

    8/27/2024
    Stephen and his team are absolutely amazing! He got us into our house in less than a month!!! Being a first time home buyer this whole process is intimidating and confusing, but this team made sure we fully understood what was going on, why, and what was coming next. They made this entire process so easy. They helped put my family into a home that’s perfect for us! I would recommend not only Veterans United but Stephen and his team to anyone I know looking to use a VA loan!


    Mandy S

    8/27/2024
    Daren and his team was amazing. They made the buying process very easy, their responses were very prompt, and helpful. They worked with a difficult builder in our new build, and was very much an advocate for us as the buyers. I would 100 percent recommend them to any buyer I know.


    katlinkowalczyk

    8/24/2024
    The team was great! I'm recommending VU to all my friends and family!


    J
    Jessica

    8/23/2024
    My VA team was awesome to work with. I have been with them for 3 years and they have done a amazing job every step of the way!


    A
    Andrew W

    8/4/2024
    My team at VU helped out with every step along the way. They made my first home buying experience complete stress free. Would recommend them to any veteran looking to buy a house. Top notch lender.


    caseywilson224

    8/3/2024
    Just a great organization who really understand the VA Loan home buying process.


    Michael J

    8/3/2024
    I was extremely happy with everyone from VU. They made the process so easy and transparent for me!


    greg.such

    8/1/2024
    Very easy experience and was very positive. Their personnel were very easy to deal with!


    Stephanie B

    7/31/2024
    Our team was the best of the best. Thank you team Sheldon ( loan officer) Richmond (loancoordinator)Delores(Home concierge)Joshua ( loan specialist)Lauria(Realtor). You made our dream of owing a home a reality.


    J
    John R

    7/26/2024
    They go above and beyond to help make your dreams come true.


    lindseystrobel890

    7/24/2024
    Veterans United has been wonderful to work with and I recommend them for your loan needs 100%. They went beyond what my expectations were and I am extremely grateful I went to them to buy my new home. Thankyou Veterans United! They were always there for me night and day. Very dedicated team!


    T
    Tony E

    7/19/2024
    Aaron Guinn (Loan Officer), was exceptionally great! Aaron's professionalism, knowledge, promptness, honesty and down to earth character was like none other. Honestly, we believe that Aaron was a Godsend. We are very thankful to have had him as our Loan Officer. Despite feeling a little irritated due to the rigorous and repetitive requirements of the Underwriter/s, our Loan Officer, Aaron Guinn, always managed to remain very optimistic throughout the entire process. Thank you, Aaron! YOU truly are the face of Veterans United Home Loans.


    shonsaker1

    7/13/2024
    Veterans United did a very professional job with my refinance as they did with my original mortgage. I recommend them to anybody looking to buy or refinance. Thank you all very much.