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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 ...
    Tabatha F
    3/26/2019
    I had an amazing experience with Veteran United. Tim and his team were always available to answer any of my questions. I also was connected to an incredible realtor, Carla Smith. Carla walked me through every step of the search and builting process of my home. Everyone on my team during my home buying experience, I am giving them a big thank you for helping me in becoming a home owner. I recommend Veterans United to any Veteran looking to purchase a home

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Yay! I'm thrilled you had such a great experience working with Tim and the team (and your Realtor, Carla!). I'd like to return your big thank you for the incredible review. Congratulations on becoming a home owner, Tabatha!
    G
    Gabriela
    3/25/2019
    My experience with Veterans United was amazing thanks to my loan specialist Joel Grisamore, Transaction Coordinator Amelia Keller, Real Estate Agent Nathan King, and the rest of their Team. They always kept it professional, were always available for any questions and most importantly were always committed to giving me the best possible options and service. They always kept me updated through the process of purchasing my first home as well as always checked up on me to ensure I was doing good. As a new buyer I think its very important to be informed of all options available and they did an amazing job. If I were to buy another home in the future I will definitely request the same team. If... Read More

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Gabriela, just wow. Your review is incredible--I don't even know where to start! Thank you so much for all your kind comments about your team. It's wonderful to hear that it was apparent how much they care about their clients. I will definitely accept that 20/20 on their behalf, and will be sure to share your lovely feedback with them! Congratulations for your first home purchase!
    Robert B
    3/25/2019
    very sat. provided all info. that i needed would rec. co. to any vet.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you for your review and recommendation, Robert!
    Michael F
    3/25/2019
    Veterans United was a breath of fresh air. Honest and Quick to clarify. Communication was superb. Michael Ellis and team were fast and professional. I followed the "To Do List" as a veteran would step by step and quickly did what they asked and from offer to close was less than 45 days. OUTSTANDING service and really hassle free. Thank-You Veterans United for truly helping This Vet. Michael Finch US NAVY retired

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you very much for your outstanding review, Michael! I'm thrilled you had a great experience working with Michael and the team, and I know they'll be equally as thrilled when I share your comments with them. Enjoy your new home!
    Rebecca J
    3/23/2019
    You all did everything we were suppose to do and our realtors were Fabulous also! It was the sellers who had a few glitches thinking they could do some things on their own but did not work out so consequently slowed us down to close but Veterans United came thru and and we got closed and and are thankful for that! My husband served 9 yrs in the Army and was very Happy t o have a GI benefit to use the Second time around. We had our first VA home loan for 31 years (30 and one free yr paid off).

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I'm sorry to hear that your closing was delayed for a bit, but I am so glad your team came through and got it done for you! Thank you for the review and for entrusting Veterans United Home Loans with your (second) VA home loan process!
    Robert W
    3/23/2019
    They are very helpful, they go above and beyond, even on weekends, anytime they are available

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Communication is so important in the home buying process, so it makes my day to hear your team was available to you any time you needed them. Thanks for the review, Robert!
    M
    Michael
    3/22/2019
    My process with these guys were absolutely terrible. Not only after applying with them I had to reach out with them a week later and they forgot to do anything with my application. And then I get the login for there website after they emailed saying I needed to sign some forms I ended up accessing someone else account. That’s a pretty big deal being able to go into someone else private account and being able to access all there information like social and birthdate.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Michael--I am so sorry to hear about your experience. This is not the norm for Veterans United Home Loans, and I am very concerned about that account issue. Please contact our Client Advocate team at 1-800-212-5200 or ClientAdvocate@veteransunited.com as soon as is convenient so we can learn more about what happened with that account and ensure it never happens again!
    D
    David
    3/21/2019
    Veterans United provided us with easy step by step instructions on the paper work we needed to fill out and was with me every step of the way. I wanted to know what I was signing and they spent time with me to very clearly understand just that. As a first time home buyer this made buying a home stress free! The realtor we were suggested was amazing and very patient with us during our home buying experience. I would highly recommend working with Veterans United.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Buying your first home is an exciting time, but I can understand feeling nervous about it, too! It makes my day to see that your team's step-by-step approach put you at ease and made the loan process that much smoother. Thanks for your review and recommendation, and congratulations on your first home purchase, David!
    D
    Deidree J
    3/21/2019
    Thanks to Kevin Webster and his team at Veterans United, we have a new home. Thank you for all you do for our Veterans.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Congratulations on your new home, Deidree! I'll be sure to share your wonderful comments with Kevin and the team :)
    TBonn
    3/19/2019
    I went into the home buying process unsure about my ability to become a home owner. After speaking to my loan officer for the first time, I was motivated and eager to begin the process. In the past, I heard many horror stories about the home buying process and the stress that it causes. I will attest from the highest mountain top that Veterans United is very professional, patient and prepared to train and educate first time home buyers in the process as well as after closing. Thank you Veterans United.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you, thank you, thank you (that's the echo of us yelling our appreciation for your review from our own mountaintop)! It's so important to us to not only help clients get into their dream home, but to help our clients become experts themselves. Congratulations on your first home purchase, TBonn!

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