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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 ...
    M
    marvin s
    4/27/2019
    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, This makes my heart swell!! We love to share the love and know so many express that through their cooking, so we want to ensure you have the space to share your "feast" with the ones YOU love (and us or course :) we are always good for a home cooked meal). Thank you for letting us be a part of this journey with you. Wishing you all the best, CONGRATULATIONS!! Claire S., Client Advocate
    scole
    4/27/2019
    Veterans United but me and my family needs first and foremost. When we decided to buy a house, it was done in less than a month. The loan officers work after hours and on the week-ends to get it done.

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    We absolutely want to ensure that you and your family are put first; as every member of our Veterans United Home Loans family SHOULD be treated for the sacrifice and service they have endured. It is our honor, CONGRATS!! Claire S., Client Advocate
    Landon P
    4/27/2019
    Our move was a smooth transition no issues and VU is very easy to work with.

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    Hi Landon, we know how important a smooth transition is for our veteran community and I am thrilled we were able to provide just that! CONGRATULATIONS! Claire S., Client Advocate
    Waltri M
    4/27/2019
    I applied for a Mortgage, was approved for the loan! Found a house that would be suitable for my family, had a closing date, realtor was told everything was good to go by VU Loan Officer! Days later my loan amount was dropped 35,000 dollars, from the original amount I qualified for. In the same breathe he said he doesnt think it was going to work, not even attempting to send my loan to underwriting, I was then told my loan amount was dropped another 10,000 ! How was that even possible! Needless to say as a Veteran, I thought the soul purpose of any organization with "Veteran" attached to it would help veterans, not drag them through the mud, tell you soft hits on your credit are harmless,... Read More

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    Hi Waltri, I am sorry that you had to go through that emotional roller coaster. I would like to be able to pull your file so I can see where this communication went off the tracks. Without having knowledge of your file (I was not able to locate with your public information) the only thing I can assume as to the (2x) price drop would be tied to the apprised value of the home. In order for me to dive into this for you and really dig in, I will need to you please email your contact information that you had used to apply to clientadvocates@veteransunited.com and I will be able to pull your file and review for potential training opportunities or corrective action. We do strive to deliver great service while helping veterans and service members use their loan benefit. Client Advocates are in office from 9 a.m. to 5 p.m. Central Time, and messages received outside those hours will be answered on the next business day. Claire S., Client Advocate
    Barjaa A
    4/25/2019
    Absolutely amazing !!!! It took no longer than three months from my return from overseas to find a home for me and my son. They work day and night and give you hands on help throughout the process.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    It makes my day to know you and your son are in your new home! Thank you for the 5 star review, Barjaa!
    Christopher M
    4/25/2019
    Absolutely amazing service, I started two years ago in the lighthouse program and the 23rd of April two years later I closed on our home, everything about this service was amazing and made the process very easy, will definitely recommend to anyone!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Yay, Christopher! I know you put in some hard work with the Lighthouse Program to get here, so I hope you're celebrating that as much as you are getting into your new home. Congratulations!
    Marcus T
    4/24/2019
    They made my first home purchase a reality!! I am grateful to the team at Veterans United.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Buying your first home is so exciting! Thank you for letting us be a part of the process. Congratulations, Marcus!
    Edward d
    4/24/2019
    Veterans United loans is an awesome institution for veterans. The loan specialist and the people working for the loan specialist work very hard to get your loan approved.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you so much for the wonderful review, Edward!
    C
    cdvaugha
    4/24/2019
    They must be doing something right to retain quality employees like Daniel Lowes. They helped me obtain a rate well-below everything I was seeing online. Would highly recommend!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you for sharing such wonderful praise for Daniel and the team! I'm so glad you had a great experience working with them!
    Muriel P
    4/23/2019
    Terry Roberts and Bridget McGuire are awesome. I never thought I could buy a house but they helped me during the whole process. Terry told me from the f pre aproval that my loan was going to be approved and he was right. I also love the realtors Terry contacted me with. The realtor Blake and Margaret Thoenen got the right deal for me. I also love the presents Veterans United sent me.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    It makes my day to read that you had such a great team in your corner from start to finish! Thank you for the review, enjoy the gifts, and most importantly, CONGRATULATIONS on your new home!

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