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Veterans United Mortgage Rates Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
936 Customer Comments & 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.

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.
 
VIEW RATES

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.

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    936 Customer Comments & Reviews

    Loading Reviews ...
    kinmiel2
    3/7/2023
    Me and my husband are both Army veterans, this was our second home buying experience with Veterans United. We will choose Veterans United every time we want to buy a home! They made it so easy and took all the stress away. Our team worked so hard to ensure we got our dream home even though it was a very unique and difficult property. Taylor Clark was our loan officer and he was absolutely amazing! We love Veterans United and can’t recommend them enough!! 🎉

    whitwayprod
    3/3/2023
    Omg, this box could not hold the true shout out that I would like to send to Kat! She was absolutely amazing to you! She immediately realized how stressed I was with this whole process, and she was so helpful, patient, encouraging, kind, and most of all loving! She really treated me like I was a family member! I am so thankful that GOD blessed me with her! I can be really difficult to work with, but Kat made me feel at ease about EVERY MOVE I MADE! I would highly recommend her and her team to every person in this world that is looking to buy or sell a home!

    Z
    Zachary I
    3/3/2023
    Overall very friendly, useful and prompt. Got us from renters to homeowners in record time. 11/10 will recommend all of my veteran friends in the area

    Tim M
    3/2/2023
    I would recommend Veterans United to any veteran looking to buy a home! They know how to get the whole process going and they know what they are doing.

    Tammy S
    3/2/2023
    I have worked with other lenders before- some good, some really horrible. But Veterans United went above and beyond anything we'd expected. Not just with their great customer service, but with throwing in little extras that felt really BIG to us! And, thank you for the respect that you gave to us for my husband's service, and the extra care in every stage of our home buying!

    Severeno W
    3/2/2023
    Our team was absolutely fantastic in helping my family getting into the home we desired.

    jcart120
    3/1/2023
    Veterans United is truly a professional organization. They provide a team of professionals that know their mission and will make it happen. These guys are in Missouri and I’m in Indiana, they still made the home buying process easy and simple. I would say they are at the top of organizations. Ryan Sherman and his team were great!!! Professionals that care about how they perform their job!!! Would highly recommend!!!

    silverphox
    2/26/2023
    Our experience with Veterans United was simply outstanding. From pre-qualification to the eventual closing, we had nothing short of fantastic interactions through texts, email, phone calls, and portal document transfers. Toby and his team of Thomas and Jill provided prompt guidance, assistance, information suggestions, and experienced feedback. It was truly a painless process without any surprises or potential deal breakers. We actually closed 5 days earlier than anticipated. We never felt pressured into anything. We set a schedule, complied with that schedule, and Toby's team was there the entire way with respect, transparency, promptness, and never made us feel that we were... Read More

    Mauro B
    2/22/2023
    Veterans United helped me out through every step in my home buying process. I really liked their page with their easy videos to understand each steps. My loan Officer Aaron Swanner was also very helpful and friendly, guiding me and explaining me the process on each step. And kudos to the rest of the team, truly amazing!!!

    dbroyles
    2/18/2023
    Your team was extremely helpful. They went above and beyond. They worked extra time and even into the late evening hours. Quite literally the best housing purchase experience we have ever had.

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