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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 ...
    tebra.davis
    12/13/2019
    We just want to thank every one involved with our home purchase. This was the easiest transactions we have done. Special thanks to Amanda Butler who was there for us every step of the way and made our purchase flawless. Also, Thanks to Kendall Haun for helping oversee everything and putting us in contact with Kellie Gragg, our realtor. We could not have found a more perfect home with out each of you!!!!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I'm so glad to hear you found the PERFECT home! Thank you so much for giving us the opportunity to help you get there, and I just wanted to let you know how much we all appreciate the kind words you have for your team. Happy holidays!
    N
    Nancy S
    12/2/2019
    Buying my first home was actually a great experience and Easy to navigate website. attentive and knowledgeable staff, always there when I had a question. Looked out for me and made sure I got a great deal.

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    YAY Nancy, we love knowing your experience was the one you deserved and we expected! We are wishing you all the best! -Claire S Client Advocate
    T
    Tommy
    12/2/2019
    Veterans United made my home buying process a smooth experience. My loan officer was there 24-7 to answer any questions or concerns. Appreciate it Alex herbal, salute

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    Yes Tommy, that is exactly what we want to hear! Thank you so much for sharing and we are always here if you need anything! CONGRATS! -Claire S. Client Advocate
    R
    Robert B
    11/17/2019
    I would recommend Veterans United to anyone seeking a mortgage and to anyone that will listen. The automated process kept my loan moving forward. Meaning I could be away from home and my computer but do to the technology they use I could answer any questions or sign any documents they made need before the end of the day. This allowed me to get a clear to close in a timely manner and the keys to my new home. Thank You

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I'm glad that the online processes made your loan process a smooth one, Robert! Thanks so much for the review, and congratulations on your new home!
    Angel G
    11/2/2019
    Thank you for being so professional and courageous you guys are the best to work with

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you for the wonderful review, Angel! I'm so glad you think so!
    Z
    Zachary K
    10/30/2019
    Made the whole process quick and painless for a new home owner.

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    That is just what we would want to hear Zachary!! CONGRATULATIONS! Claire S., Client Advocate
    stlsound1
    10/30/2019
    Veterans United made the whole homebuying process extremely easy. Our loan specialist was always there to answer any questions we may have. Thank you so much for all your help sincerely James C.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I'm glad to hear it, James! Congratulations on your new home, and thanks a million for the wonderful review!
    John C
    10/27/2019
    This was the smoothest transaction I have ever done, buying a new car is more hassle and difficult. Great communication and everyone answered their own phone when you call. Great company.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you so much for this fabulous 5-star review, John, and congratulations on your new home!
    H
    Heather N
    10/26/2019
    After being a member with USAA for many years, we naturally thought to go with them for our first home buying experience. It turned out to be a very impersonal experience that felt like it would never end or lead to closing. We decided to switch to Veterans United mid-process, and we were so happy that we did. Their interface always kept us updated on our status and to-do’s. Our loan team was always extremely communicative. Our experience with Veterans United ran so smoothly that we were actually able to close a few days early!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Cheers to an early closing, Heather! Being an online lender, clear and timely communication is EXTRA important to making the process go smoothly, so I'm thrilled to hear that was your experience with your team. Thanks for the review, and congrats on your new home!
    jroseau12
    10/25/2019
    My experience with Veterans United Home Loans was certainly a rewarding one, as I was able to witness how Chris Hill’s unmatched professionalism and genuine interest in servicing veterans were always consistent with his expectation of a positive outcome in relation to the loan application and/or lending process on behalf of such veterans. As one of those veterans, I was a benefactor of Chris’ superior knowledge of every aspect of the loan process, endless patience, understanding, respect, kindness, and compassion. It is obvious that I would feel very comfortable recommending Veterans United Home Loans and/or Chris to any of my veteran brothers and sisters. James Roseau Danbury, CT

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I'm happy to hear your home buying experience was such a rewarding one (that's the way it SHOULD be!). Thanks so much for giving Chris and the team a shout out for a job well done and for your recommendation! It means so much to all of us to know you had a great customer service experience. Congratulations on your new home, James!

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