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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 ...
    Lou H
    10/20/2019
    seth wilmes and team did a great job...answered all my questions , friendly, knowledgeable...

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    Awe I love that Lou! Thank you so much for the shout out and we are wishing you all the best things!! Claire S., Client Advocate
    Cleveland M
    10/18/2019
    Everything went very well, signed for new home with no problems and it looks like old home will close on Oct 21. We can't thank our realtors enough, Julia in Waco area and Paula in El Paso. Both very professional.

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    Hey Cleveland, that is too good! We are hoping you loved your first 24hrs as a home owner and are so excited for this new chapter to begin! We are always here if you need anything! Claire S., Client Advocate
    T
    Trey
    10/8/2019
    They go out of there way to make the home buying experience a great one.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thanks so much for saying so, Trey! Congratulations on your new home!
    gmvaldez24
    10/7/2019
    Veterans United was very helpful and friendly throughout my entire loan process.

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    That is just what we want to hear! Thank you for sharing your experience! CONGRATS!! Claire S., Client Advocate
    A
    Allan B
    10/7/2019
    Great experience working with the entire team at Veterans United VA Loans!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I'm glad you had such a great experience, Allan! Thanks for your review!
    Matthew H
    10/1/2019
    The overall experience I have had with this whole process has been AMAZING and I will/would recommend them to anyone and everyone I know to be Vets looking for their future!!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you for your review and recommendation! I am just thrilled that you had an amazing experience--I never get tired of reading reviews like yours! Congratulations on your new home!
    holymoly2.lr
    9/29/2019
    I would like to thank my team for not only helping me with the process but for also helping me change my families culture..

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you for the review, and congratulations on your new home! -Jillian J., Client Advocate
    Timothy M
    9/27/2019
    My team (Wesley Earl of Veterans United) was absolutely fantastic. I have tried and backed out of buying a home before through other lending companies. Veteran’s United made it really easy and made me feel comfortable throughout the process!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I'm so thrilled you felt comfortable with the loan process, Timothy! Thanks so much for the kind words and praise for your team, and CONGRATULATIONS on your new home!
    Tamara P
    9/21/2019
    Refinancing with Veteran's United was one of the best things I could have done for myself. They made the process of refinancing my home easy and my loan officer, Ashley was nothing but timely, professional and amazing!

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    Yay Tamara, that is SO wonderful to hear!! We hope you are re-loving your home and are excited for your new chapter to begin! CONGRATULATIONS! Claire S., Client Advocate
    Soufyan N
    9/20/2019
    Veterans United home loans has one of the best systems out there it’s too easy to use and also has some of the best loan officers they will walk you through everything You just have to make sure you have a smart phone or computer and most important a nice printer and leave the rest to them

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    Hi Soufyan, We know how important ease of communication and access are to the community we serve and I am thrilled to know you experienced just that!! We want this process to be an exciting one for you and your family and ensuring that you have the capability to live your life while closing on a home is crucial!! We couldn't be happier for your new chapter and are wishing you all the best! CONGRATULATIONS! Claire S., Client Advocate

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