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Veterans United Mortgage Rates Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
961 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 Do We Rate Veterans United?

Breakdown

4.5/5
Lender Types
4.5/5
Available Mortgage Types
5.0/5
Customer Experience
5.0/5
Reputation & Transparency

Our 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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    961 Customer Comments & Reviews

    Loading Reviews ...
    B
    Bryan
    6/12/2020
    Honestly an amazing team and group of people. I couldn’t have chosen a better way to go with my home loan and process. I highly recommend them, and I cannot say enough good things about them. Thank you!!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    What a shower of praises---thank you so much, Bryan! We appreciate your giving us the opportunity to assist you with your home loan process. Congratulations on your new home!
    Donna S
    6/10/2020
    Best experience of my life. First time buyer and clueless of process. Veterans United make it simple in layman’s terms. Closed less than 30 days. Smooth sailing the entire way

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Woo-hoo!!! I love hearing that the loan process was smooth sailing, Donna. I know that it can be intimidating to encounter the home buying process for the first time, so it is especially awesome to know your team helped make that first encounter such a good experience for you! Congratulations on your first home purchase!
    'Ann L
    6/3/2020
    We've bought a few houses throughout our 39 year marriage, but the best and easiest process was with Bill Musick, our loan specialist at Veterans Home Loans. Whether you're experienced or green at home buying, he holds your hand throughout the entire process and gives you the confidence to know what needs to be done step by step. Bill is very kind, personable and informative. He makes you feel like you're his only client. He responds quickly no matter if you call or email him 24/7. Mike makes you feel that any question despite how trivial is important to him and addressed quickly. We've had such a wonderful experience with Bill and Veterans Home loans that we've used them three times in... Read More

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    This is such a wonderful, special review that I made sure to share it with Bill. I KNOW it made his week to read it. Thank you so, so much for the kind words--it makes all of us happy to know that of all your home buying processes, the one you had with Bill in your corner was the easiest. Congratulations on your new home!!
    C
    cableguyny
    6/3/2020
    Awesome service and stress free process. Jess Vomund and her team and Realtor Peter Marcucilli and his assistant Lisa Kennedy made our dreams come true.. Thank You

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I'm just over the moon that you had an awesome customer service experience!! Thanks for the review, and congratulations on your new home!
    Rox-Anne M
    6/1/2020
    The service exceptional giving all tools needed to have a smooth transition through the process of finalizing the loan. I would recommend your services as the number one service in getting VA loans.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Exceptional service and education about the process are so important to making this process go smoothly. Congratulations on your new home, and thank you very much for your recommendation, Rox-Anne.
    bigmic2325
    5/30/2020
    The whole team was GREAT! Made everything easy! Made my home buying experience easy and stress free!!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    These are reviews I just LIVE for! I'm thrilled your team made this process a stress free one for you. Congratulations on your new home!
    vrhart57
    5/26/2020
    Great job, everyone was courteous and very helpful. I couldn't believe I could own another home. Thx

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Woo-hoo! You better believe it!!! Thanks for the 5-star review--I'm thrilled you had a 5-star experience. Congratulations on your new home!
    H
    harold s
    5/23/2020
    great experience with the whole process, staff responded to questions quickly and clearly. i would recommend veterans united to others.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    The whole process just goes so much more smoothly for everyone when communication is clear and information is accessible. Thank you for your review and recommendation--it means more to us than you know!
    makovsky.gene
    5/23/2020
    I want to give a shout out to my Veterans United Team Kyle Gardner, Justin Owens, Jaclyn Shaw, and of course our Realtors Jeff and Victoria Hudson of Lewis Realtors. Each individual helped us every step of the way and always looked out for our best interest.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thanks for giving your team a shout out for a job well done. As corny as it sounds, teamwork really does make the dream work!
    kool57kat
    5/21/2020
    I had an amazing experience from start to finish with you guys, and made homebuying easy!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you for saying so! It means so much to us to know our clients had a great customer service experience. Congratulations on your new home!

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