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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 ...
    Sean H
    9/3/2020
    Great people to talk with. They are very experienced in the field. I would recommend Veterans United any day.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Aw, we appreciate your saying so, Sean! Thanks so much for the kind words.
    Floyd W
    9/2/2020
    Fantastic group of people to work with. All went smoothly , no surprises, plenty of communication, but not too much. I would do business with Veterans United 7 days a week !!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    That's some high praise, Floyd! We all certainly appreciate it, and I am so glad that your experience was such a good one!
    Barbara K
    9/1/2020
    Chris, Beau and the rest of the team were great. Always ready to help and explain things. They took into consideration the time difference since we are way up here in Alaska. The real estate agency they had us work with was also outstanding. I recommend working with Veterans United.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you for taking time out of your day to share this review, Barbara! It makes my day to know that despite working across time zones, you had an outstanding experience with your loan team and real estate agent. Congratulations, and stay warm up there!
    Jeffrey N
    8/29/2020
    Great company. Everyone is friendly and knowledgeable. The process was smooth and fast

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Glad to hear it, Jeffrey and Carla! Thank you for the kind words, and enjoy the new home!
    Luis M
    8/28/2020
    I've worked with other "veteran friendly home loan companies" and Veterans United has completely redeemed the home buying process for me.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Wow, you don't know what this means to us, Luis. Thank you for sharing this review with us, truly!
    papabucks
    8/27/2020
    I recommend Veterans United to any veteran looking for a VA loan. They really know what they are doing and take care of their customers. I have had 3 loans thru Veterans United and Celina and her team was there for each of the loans. I appreciated all of their work.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you for sharing these kind comments! I'm thrilled you had THREE great experiences working with Celina and the team. It means the world to us to know we have earned your trust over and over again.
    L
    La’Tryc
    8/27/2020
    I would definitely recommend them for any veteran. I had gone through the process with another company and lost out on a house because they didn’t quite know how to work with VA loans. I had given up hope. Veterans United restored my hope by making the process so easy.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you so much for the review and recommendation! It makes my day that your team restored your hope for utilizing the VA loan benefit. Congratulations on your new home!
    M
    matthew y
    8/26/2020
    Thank you Veterans United. Your process and the employees you have take the time to listen to us and all our needs and wants. I was vary surprised at how comfortable everyone made me feel. Words cannot express how grateful i am.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I am beyond glad to know that you felt comfortable, heard, and respected throughout your loan process, Matthew. Words can't express how grateful WE are for your amazing feedback, and I hope you are enjoying your new home!
    Todd M
    8/22/2020
    I am a retired early disabled veteran ... I am not the most easy person to work with let’s say .. working with the team that I did I felt like we had done this before ... however my wife of 25 years may say diff ... we both were amazed of both response times ... requests and or questions asnwered timely .. more so correct Information was clear and concise I was able to understand all .. verbally and written ... that I have failed at previously ... outstanding team during a pandemic ...

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    It absolutely means the world to us to know that your team was clear and concise in their communication, and made the process so easy it was like you had done this all before! Thank you, thank you for the wonderful review, and congratulations on your new home.
    Roger A
    8/20/2020
    Would recommend to all veterans. Wesley explained each step of the process, which was easy and quick. They were also readily available to answer any questions.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Yes!!!! I love reading reviews like yours, Roger! It really makes my day to know you had such a great experience working with Wesley and the team. Thank you for your review and recommendation.

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