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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 ...
    Steven J
    1/5/2021
    This refinance process has been very efficient and professional. I am very satisfied with the Courtesy provided.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I am happy to hear your refinance has been efficient and professional, Steven. Please do let us know how we can improve even further to make sure you are having a 5-star experience!
    John M
    1/2/2021
    Their commitment to Veterans needs in their home search process is beyond my expectations. Their professionalism and extraordinary commitment to help Veterans is beyond exceptional. My experience with Veterans United VA Loans has been fun, exciting, and easy. I highly recommend them.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Wow, what a review! It is wonderful to know that your team exceeded expectations in providing great customer service, which allowed you to feel what you are supposed to feel when buying a new home: Excited!!! Thank you for the kind words, John.
    S
    Shaquwanda B
    1/1/2021
    The best!!! You will not be disappointed as everyone is helpful and so kind. The entire process was just a breeze but great workers do this for their customers!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I'm so happy to hear it, Shaquwanda! Thank you for the kind words, and have a Happy New Year!
    apvaldessr
    12/31/2020
    Refinancing was a breeze. It was truly a no stress process. Good job!!!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I'm glad to hear it! Thanks for the review, and have a Happy New Year!
    Kyle H
    12/29/2020
    They made the process of home ownership a reality with ease.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you, Kyle! Congratulations on your new home, and have a Happy New Year!
    M
    Mario M
    12/20/2020
    Veterans United are they Professionals that help any Veteran obtain a home. They work hard in helping Veterans with their home needs. They did for me.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you for the kind review, Mario! It's such a joy to read that your team worked so hard to assist with your home buying needs. Have a warm and wonderful holiday season!
    A
    Anthony
    12/20/2020
    Very personable and professional. They made the customer feel very valued, and made the home buying experience as clear and simple as can be.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I am so glad you felt valued throughout the home buying process (that's the way a customer SHOULD feel!). Congratulations on your new home, and best wishes for the holiday season.
    V
    Vladimir
    12/19/2020
    They went above and beyond. They made the home buying process easy. Fast and knowledgeable, with no bs.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Words I love to read. Thanks so much for the review, Vladmir, and congratulations on your new home!
    Scott A
    12/18/2020
    Can't say much more than the best people I've had the pleasure of working with!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Great Scott! What a compliment. Thank you so much for the kind words, and have a lovely holiday season!
    roadswear
    12/18/2020
    Graet company to work with. Everything thing went so smoothly. I will definitely recommend Veterans United Loans to other veterans I know.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you so much! It means so much to us to know your process went so smoothly. Happy holidays!

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