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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 ...
    Meg D
    5/31/2019
    Veterans United was with me every step of the way in this home purchase. I closed yesterday on a home that I know will bring me years of happiness. Living a few minutes drive from the Maine coast is all that I wanted and now I'll be living it. Shout out to DJ and his team! You've made this Veteran very happy. Thank you so much.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thanks so much for your review, Meg--it means a lot to us to know that your team was in your corner every step of the way. I wish you a lifetime of happiness in your new home on that gorgeous Maine coast!
    Marianne S
    5/30/2019
    We were apprehensive about buying a home, but from the start Veterens United made us feel confident in our decision to pursue this journey. The whole team was a pleasure to work with, and stayed in contact with us constantly. We have and will continue to recommend Veterans United to any potential buyers we come across.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I hear all the time that clients were a little nervous to start the home buying process--it's one of the biggest purchases you will make, so these feelings are completely normal (and you are in good company)! I'm just so glad that your team helped ease that stress and made you feel confident taking each step of your journey. Thanks for the wonderful review and recommendation, but most of all, congratulations on your new home!
    K
    Kevin D
    5/29/2019
    Wonderful second experience with this company both in our original home purchase and a refinance. Just great people to work with.

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    Hey Kevin, Second is the best!!! We cannot express enough love and gratitude for our VUHL family that returns to us time and time again, that is so meaningful. We are honored to be able to do what we do and provide the wonderful service to those who have served our country! Thank YOU and we are wishing you all the best! Claire S., Client Advocate
    Jeff H
    5/25/2019
    Class act, very detailed, these loan officers care about us, they know buying a house is a stressful process but my loan officer went the extra mile.

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    Hey Jeff, That is too awesome to hear and so true that the home buying journey can be a long and winding one but we are here to guide you home! I am thrilled that is exactly what happened for you!! Our ten plus years of knowledge and education on the VA loan would do us know no good if we weren't able to clearly and concisely walk this road with you! Thank you for that opportunity and CONGRATS!! Claire S., Client Advocate
    Josie L
    5/21/2019
    They are very nice and help with refinancing my house. They walked us through all the steps and was very professional.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thanks for the 5-star review, Josie! It's great to hear that you had a great team in your corner to walk you through all the steps. Congrats for a successful refinance!
    D
    Diana C
    5/20/2019
    I was so grateful for my team at Veteran United. They made the whole home buying experience so much easier, walking us through each step.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    And all of us here at Veterans United Home Loans are so grateful for wonderful reviews like yours! Thanks so much, Diana, and enjoy your new home.
    B
    Bobbie C
    5/17/2019
    Veterans United VA Loans was as awesome experience. The Pre-Approval Letter was quick. The teams was there for me at all times. I am closing TODAY! I highly recommend Veterans United.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Whoo-hoo! Congratulations on your new home, Bobbie--you made it to the finish line! Thanks so much for the kind words!
    jponce852.jp
    5/17/2019
    I would recommend them to anyone. Made our home buying process extremely painless.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I'm thrilled to hear this! Thanks so much for the review and recommendation!
    James S
    5/16/2019
    Excellent home buying experience! Would do it all over again, I highly recommend Veterans United Home Loans

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Wow, thank you very much, James! I'm so happy to hear you had an excellent home buying experience. Congratulations on your new home!
    mviayra
    5/13/2019
    Very poor experience with this company. Everything started well and after I uploaded documents to their website I got a quick preapproval letter. However, multiple emails and voicemails to my assigned rep went unanswered over next two weeks. I never did speak with my rep but when I called and spoke with someone else they could not help to change my loan and in fact just cancelled everything without a follow up call. Glad I had a back up lender to move forward. Would not recommend this lender and will not ever use them in the future.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Mike--I'm sorry to hear about the communication breakdown; that's not the norm for us here at Veterans United Home Loans. We'd like to find out more about what happened--will you please reach out to us here on the Client Advocate team? We are available at 1-800-212-5200 or ClientAdvocate@veteransunited.com. I am disappointed that we are not continuing to walk this home buying journey with you, but do wish you the best moving forward.

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