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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 ...
    R
    Robert
    3/22/2020
    Veterans United did an outstanding job. Their experienced loan team helped us throughout the way in getting our 1st home! Thank you veterans united, as well as Brian Flanigan, Taylor Kelly, and Mack Holliday our realtor and the rest of our loan team for the support you provided throughout our experience!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Woo-hoo! The first home purchase is such an exciting one--thank you for letting us be a part of it! Congratulations!!
    mikesamples77
    3/22/2020
    Overall the VUHL team we chose to work with showed both patience and perseverance to put us in our home and we owe them much gratitude for all their efforts! Without their support, we are not sure we would be celebrating this victory at all, especially given the health crisis our nation has been going through.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you for giving Veterans United Home Loans the opportunity to assist you with your loan process! It sounds like your team was really there for you through it all (which I love to hear!), and we all will continue to be here for you if you need anything in the future!
    E
    Erika G
    3/21/2020
    This was our first home buying experience and we are thrilled that we chose Veteran’s United. Everything was stress free and smooth. We even closed early thanks to the help of our team. I can’t say enough good things about our experience and I’m extremely grateful we were able to use them.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you for entrusting us with something as huge as your first home buying experience! I'm glad it was stress free and smooth. Congratulations on your new (and first!) home purchase (And closing early?? EVEN BETTER!).
    Alicia W
    3/20/2020
    My Dream home is finally a reality thanks to Veterans United Scott Davis and my Team!!..I didn’t have a clue about the process of buying a home, but Scott Davis helped me to understand by providing me with the answers that I needed. I was happy to have him as my Loan Officer, he is just simply GREAT!, and I would recommend him 10 times over and over. From the bottom of my Heart!..Thank You Veteran’s United.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Congratulations for getting your dream home, Alicia!!! That's so exciting! I'm just thrilled for you, and so glad to know your team was there to guide you through every step and answer every question. Thank you for the kind comments and recommendation! Enjoy that new home!
    D
    DONNA J
    3/19/2020
    Great people to work with. Answered all my questions and got everything done within a timely manner. Would recommend them.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you so much for saying so, Donna! I'm glad to hear your team was great to work with.
    T
    Toni S
    3/7/2020
    The Veterans United Team was so amazing, they were with us the hole time, helping us and guiding us in the right direction. They helped us keep our finances straight and it gave us a lot of discipline.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I am so thrilled to see feedback like yours, Toni! Thanks for leaving us a review of your experience. If there is anything we could do to make your 4-star experience a 5-star the next time, please do let us know! We aim for full marks and ensuring we are providing the best customer service possible.
    Vince P
    3/3/2020
    They were very helpful, and they were very helpful to me financially.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I'm thrilled to hear it! Thanks for the outstanding review, Vince!
    armydj25
    2/29/2020
    Amazing experience and time and I would most definitely recommend Veterans United to any veterans out there looking to take the next step.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you so much for your review and recommendation! I am just thrilled to know you had an amazing experience working with your team.
    jesstider62
    2/26/2020
    I had worries when I started out on this path with yall but as time and learning how professional and helpful yall were my worries went away everything in detail and total concern from yall to help me thru everything I thank yall

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Starting the home buying process can be a little nerve-wracking, so I am glad to hear your team made you feel comfortable with the process! Thank you so much for sharing your experience, and congratulations on your new home!
    Amy F
    2/14/2020
    You have a wonderful organization very easy to work with and just fantastic all the way around!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Aww, thank you so much for saying so, Amy! I'm glad that you had a fantastic experience, and appreciate the kind words more than you know. Happy Valentine's Day!

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