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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 ...
    Seth T
    5/11/2019
    My situation was a little out of the ordinary. I lived in SC and I nedded to buy a home in TX. But, I needed to buy my home, before I left the state of SC. I was very lucky to have beem teamed with Jenna Pahde, as my loan officer and Peter Holman as my agent, in TX. They performed superbly, and I could not have found a better team to work with! KUDOS to Jenna and Peter!

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    Hey Seth, We know that to make sure you have the best experience our teamwork needs to be on point and open communication is key! Thank you for trusting that we were the right team to walk this journey with you from SC to TX, we are honored for the opportunity! We are wishing you all the best, CONGRATS! Claire S., Client Advocate
    J
    Jerry B
    5/11/2019
    Ginny Young and Veterans United was able to get me the cash out that Freedom Mortgage could not AND with substantial lower closing cost and lower rate. I was approved and closing with Freedom Mortgage who held my loan for 4 years, but not happy with the terms and amount of cash out. All I had left to do was scheduled closing with the Title Company. I called Ginny and started over after 3 minutes of conversation about what I NEEDED from my mortgage refinance and she made EVERY concern I had go away and every NEED a reality, going above and beyond. Thank you Ginny. Through Ginny Young and her asst. Sarah Dixon's hard work I recieved an additional $32000 allowing me to purchase a new... Read More

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    Hi Jerry, I am thrilled that Ginny and Sarah met you right where you were at and were able to pick up the ball and run with it!! As for a transfer, we aren't set up to keep all loans for the long term, but we only work with servicers that we have a good working relationship with, which allows us to work together in case of any concerns regarding your loan. A loan servicing transfer in no way is a reflection on your loan or how much we value you as a customer of Veterans United Home Loans. We also understand there can be questions surrounding a loan transfer to a new company, and we want to emphasize that Veterans United staff are still here to support you with assistance if needed. If you have any concerns, please let us know! Our customer service supervisors can answer questions and concerns regarding a loan servicing transfer at 1-800-212-5200 or ClientAdvocate@veteransunited.com. -Claire S., Client Advocate
    W
    Wendell
    5/7/2019
    As a first-time buyers I wasn't sure if I can qualify while I was searching for a way to purchase a home I ran across United veterans on social media there I met the most wonderful people my lender Eric Hilton Dylan morgret and Paul Williamson and Mike Matthiessen my realtor in the state of Nevada. I would like to thank them for helping me they we're very patient with me help me get all my documentation together.and told me exactly what I needed to have. After going through the protocol all went .well I even had the chance to look at my home in the state of Nevada. United veteran really believe helping our veterans get their dreams home.they will work with you and help you achieve if... Read More

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    There are so many wonderful comments in your review, I don't even know where to begin, Wendell! I'm just so happy that your experience working with team was such a great one, and especially that they helped ease that anxiety you felt about the process. My biggest CONGRATULATIONS to you on achieving your dream of being a homeowner!
    Tyler M
    5/7/2019
    Veteran's United was incredibly easy to work with. Everything was streamlined and simple, from the beginning application all the way through closing. The loan specialists and recommended real estate agent were completely professional and never failed to keep me informed of what was going on and what I needed to do. The team I had made the entire process run very smoothly and kept everything on schedule.

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    Hey Tyler, One of the most underrated compliments is "simple"! When we can provide a sense of professionalism while maintaining a smooth, streamlined and SIMPLE experience then we have really hit the sweet spot! Thank you for trusting us not only for your loan but also in our pairing/ recommendation for who was going to help you find the house we were going to get you in! Wishing you all the best in your new journey!! CONGRATS! -Claire S., Client Advocate
    I
    Irving
    5/4/2019
    I highly recommend Veterans United. They walk you through the entire process and their online uploading tool could not have made the process simpler. Very quick process.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you so much for your review and recommendation, Irving! It's wonderful to know that everything, from the online uploading process to your team taking you through every step, was a 5-star experience for you. Congratulations on your new home!
    C
    Carol B
    5/3/2019
    Stephanie Buckridge is the worst lending officer there is. We submitted over 300 pages of proof to her regarding a priors business loss and she refused to even review the evidence and documentation. She provided an excuse that the federal government does not allow for them to lend to individuals with business loss, because it gives the appearance of using personal money. Now this is the first major loss we have suffered from in 10 years, which was due to identity theft. We are the victims yet Stephanie Buckridge penalized us even more without question, in fact she discriminated against us! We have spoken with the individual at the IRS who assisted us and she indicates that Stephanie... Read More

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United Mortgage Rates
    Hi Carol, Veterans United Home Loans always strive to deliver great service while helping veterans and service members use their loan benefit. If we failed in that goal, we want to know everything about what happened so that we can review for potential training opportunities or corrective action. Veterans United Home Loans takes discrimination claims very seriously, and we would like to conduct a review of your comments with our legal and compliance team to see what's going on. Please contact our Client Advocate team at 1-800-212-5200 or ClientAdvocate@veteransunited.com. We'd like the opportunity to learn more about your comment and escalate it to the appropriate team. -Claire
    B
    Bobbi A
    5/2/2019
    They make home buying easy and they make you feel like you are the only client they have. They will email you after hours if you have questions night and day. I wouldn't use any other lender in the future. I highly recommend Veterans United. BOBBI ANN Secane, PA

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you for giving us the opportunity to earn your business, and most importantly, your trust! Your kind words are so appreciated. Congratulations on your new home, Bobbi!
    Gloria O
    5/1/2019
    Jeremy Eisner was simply Awesome! I was surprised at the timely responses and the fact that I always knew what was going on. He seemed to be just as excited about my purchase as I was. There is not one negative thing that I can say about my entire experience with Veterans United, Jeremy Eisner and Jake Hamilton, My Team! I know them by name because they were so hands on and personal. A wonderful experience totally. From contract to close, less than 45 days, absolutely about their business.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Wow, Gloria! I am so happy you had such a great experience working with Jeremy, Jake, and the team. I can't wait to share your feedback with the team during business hours on Monday--I know they'll be thrilled to see it!
    M
    marvin s
    4/30/2019
    Veterans United put together the most awesome team of truly dedicated, concerned people, putting them in a league of their own. They made me feel like I had an entire fellowship of dedicated team mates working towards getting me into my new house. I would gladly invite them all over and prepare a feast for them to show my appreciation. They left me feeling an indebtedness for their personal commitment to my getting a new home. god bless each and everyone for their work on my behalf. May they be prosperous in all their endeavors.

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    Hey Marvin, Definitely feeling the love on round 2 too!! We know that when we work from a dedicated and genuine place of service, especially for those who have sacrificed so much, then we are living our values and in turn, our mission thrives. We have spent over 10 years refining our knowledge and skill set of the VA loan, so, it means a great deal to us and keeps us living up to our best selves. Thank you for your invitation, and know that we are forever indebted to YOU for what YOU did for our country. We are honored to assist you in purchasing a home you earned and having you as a member of our VUHL family! Claire S., Client Advocate
    Angie K
    4/28/2019
    Thanks Veterans United for assisting us in obtaining a loan for a home we love. The website is simple and easy to navigate. The staff kept us informed either by email or phone calls. The underwriting wasn't a terrible process and went quicker than we thought it would. We were able to close sooner than expected. We would highly recommend Veterans United for a home loan.

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    Hi Angie, Thank you for giving us the chance to not only meet your expectations but exceed them and for you to be in a home you love? Well that is the cherry on top of all this goodness! Having ease of access and open communication really makes all the difference, thank you for recommendation, that is truly the highest form of flattery! We are wishing you all the best CONGRATS!! Claire S., Client Advocate

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