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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 ...
    Larry W
    12/16/2022
    Effortless, easy, great service and they are truly dedicated to your needs!!! Such a wonderful experience throughout the process

    Blaise S
    12/15/2022
    Recently retired the second time we decide to buy again after we sold our home we stayed in for 25 years. One short phone call to Veterans United set the machine in motion. With in a month we were going to closing. Excellent people that care about the Veteran......( Aim High ) Blaise & Cathy Silverio

    I
    Indira
    12/10/2022
    I'm very happy and pleased with Veterans United as a whole. The home buying process was fast, and Veterans United delivered and fulfilled every promise beginning to end. As a first time homebuyer I'm impressed because they took care of everything single little detail form me. From connecting me to the best real state agent Felicia Murphy, to the best Veterans United Team: Dany, Emily, Brian, Amanda, Felicia and everyone else in underwriting and closing, as well as security company, and insurance company. I didn't have to do any work other than providing documents once and signing. I would definitely be recommending Veterans United and the team to my friends and family in the... Read More

    L
    lejenn84
    12/9/2022
    We did it…. I am in my home and thanks to my veterans family at Veteran’s United Home Loans I am so grateful for the team work. I appreciate the care packages during the journey. Veteran’s United Home Loans not only got the deal closed but they made the process easier for me. My advice… just give them a call and go from there Great Job

    J
    Joel K
    12/6/2022
    The persons that we dealt with, through the home buying process, treated us with respect, dignity, kindness, professionalism, and above all; patience.We will be grateful to all who were involved, forever. Thank you so much!!! We will be happy to recommend you to our family and friends.

    Racheal H
    12/3/2022
    Everyone on our team was absolutely amazing! We lost my mother & this was our chance to buy my childhood home as our 1st home ever. They made the whole process very simple & were there every step of the way to answer my questions. We closed in 1 month! I would be speechless if I wasn't bragging about Veterans United. The icing on the cake was receiving the sweet personalized house warming gifts when all was said and done. How considerate & thoughtful. And whoever picked them out knows our style! They are perfect & will be cherished forever. Just like everyone that helped us. We highly recommend you guys to everyone we meet! Thank you from the bottom of our hearts, Mr. & Mrs. Hawkins

    rickiejackson247
    12/2/2022
    Veterans United had my back from start to finish with constant communication! Glad They gave me the opportunity during a bad buying market and the utmost hands on experience. My family and myself couldn’t t thank your whole team enough, for an excellent experience. Job Well Done! Thank You, Enrickie

    katielaura12345
    12/1/2022
    It was an amazing experience! My team was phenomenal and I will recommend Veterans United to all of my fellow Veterans! Brandon Sterr is the best!

    kitanaqueen44
    11/30/2022
    My dealings with Veterans United went on smoothly, I appreciate the team. I'll also like to give a big thanks to officials at Creditmasonrepairs.com , the company responsible for my amazing credit score. I was able get 100 points on my credit score within a month to help me secure my mortgage.

    originalrjmacready
    11/28/2022
    I highly recommend VU, everything worked out perfectly! Stop waiting to do it... #endorsed

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