We may earn a fee if you click on the links below. Compensation does not determine ranking. Not all brands are included. Learn more
  1. Home
  2. Mortgage Rates
  3. Veterans United Review

Veterans United Mortgage Rates Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
936 Customer Comments & Reviews - see all comments
Our content is free because we may earn a commission when you click or make a purchase using our site. Learn more.
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.

    Our Comments Policy  |  How to Write an Effective Comment

    Leave a comment for Veterans United Mortgage Rates
    Minimum 12 words.
     No maximum length.
    * What's Your Rating?
    To make this comment as helpful as possible for our community, please provide at least 2 sentences.

    936 Customer Comments & Reviews

    Loading Reviews ...
    Mc K
    1/25/2021
    Our whole VU team was friendly, professional and quick to respond. Thank you for working with us!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank YOU for working with US, Mc Kenna! We appreciate the kind words!
    Joe C
    1/23/2021
    Jeff and Christie were on their A game couldn’t ask for a better combo!!! Made it easy and quick to get things closed couldn’t ask for a better mortgage company. Highly recommend going with veterans united!!!!!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    We strive to bring our A-game every time, and it's WONDERFUL to know Jeff and Christie did just that for you! Congratulations on a quick and easy closing, and thank you very much for the kind review!
    Jim G
    1/21/2021
    Chris and his team really came through for us, AGAIN! We had such a great experience with Chris back in 2013 that we knew when it came time to purchase again, we wouldn't shop around much. Thankfully, we didn't need to! We were so happy to find Chris still at VeteransUnited, helping other Vets go through the process of getting a great mortgage. Great rate! Simple process! Thorough Explanations! At times it was so fluid that we were concerned we missed something! Chris. Thank you! Again! Jim & Susie G. USMC

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you for the review and for entrusting Veterans United Home Loans with both of your home purchases--it's great to hear you had wonderful, smooth experiences working with Chris and the team. Enjoy that new home!
    A
    Andrew
    1/21/2021
    You guys have been exceptional! Thank you for all of your help! I will definitely be recommending you!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank YOU for the great review and your recommendation, Andrew! It means the world to us, truly!
    D
    Danielle B
    1/21/2021
    Excellent people to work with. I have been putting off refinancing and finally decided it was time my sister gave me Mike Mange's info I called and we were off to refinancing. He has an excellent team of people that work with him they stayed in contact with me through the entire process any questions or concerns were always addressed and explained. I highly recommend them to anyone! Their customer Service goes a long way so many company's have lost this but not this one. Thank you for your help!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you for the review, Danielle, and a thank you to your sister for the recommendation! We are over the moon that Mike and the team provided such excellent customer service during your refinance process. We so appreciate your kind comments.
    S
    Sharon S
    1/20/2021
    If you are a Veteran looking to refinance, stop looking and give these guys a call. You will not regret the decision. First time to refinance for me and these folks were very patient, explaining everything about the process, timeframes etc. My loan team was always available, by phone or email, with prompt answers to any of my concerns. Saved me a ton of money and the whole thing was virtually stress-free. You can't beat Veteran United's good old fashioned customer service.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Wow, thank you SO much for sharing this feedback with us, Sharon! Great customer service is so important to making the loan and refinance processes go smoothly, and it makes my day knowing that was your experience. Enjoy those savings! :)
    J
    John R
    1/13/2021
    The people we worked with were awesome. Everyone was very professional, friendly, and very helpful. Unfortunately, we do have a complaint though - immediately after beginning the loan process we began receiving annoying spam calls and emails. They haven't stopped. Not sure if they sell info or if there is some security problem, but it's the one thing that would have me giving Veterans United, as a company, less than an outstanding rating.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Hi John, thank you very much for providing this valued feedback. While I am glad that overall, you have had a great experience with your team, I am sorry to see you've been receiving so many calls. I am including the link to our privacy policy so you can see what information we collect, how it is used, and options for opting out: https://www.veteransunited.com/privacy/. Please do let us know if you have any questions about opt-out provisions for your information by calling my team of Client Advocates at 1-800-212-5200--we'd like to help!
    W
    William G
    1/13/2021
    My Veteran's United kept us on track and were very helpful in when we had questions. I would recommend them to all my friends looking to refinance.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I'm thrilled to hear it, William! Thank you very much for the wonderful review.
    Victor D
    1/12/2021
    VU's personnel were very helpful when I got my home loan, and to Refi that loan to a lower term! The process was transparent, and fair. Highly recommend using VU for a loan!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you very much for the review and recommendation, Victor! I'm so glad you had great experiences with your home loan and refinance processes. Cheers!
    Pratik K
    1/9/2021
    I had a great experience with Veterans United. Very professional and they really look out for veterans.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you for the wonderful review, Pratik. It makes my day to know you had such a good experience!

    Related to Mortgage Rates

    Top Articles
    Suggested Comparisons