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Veterans United Mortgage Rates Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
935 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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    935 Customer Comments & Reviews

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    J
    Jeff L
    3/18/2019
    This is our first home purchase and we were very happy that we had a loan specialist take that into consideration while helping us with everything we needed and answering all of our questions. I would recommend Veterans United Home Loans to anyone and will most definitely use Veterans United in the future.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you for your wonderful review, Jeff! I'm happy YOU'RE happy with your loan process. Congratulations on your new (and first!) home purchase, and we look forward to the possibility of working with you again someday!
    T
    Thadeus B
    3/18/2019
    Bo Clapp(Loan Officer) and his team were nothing short of amazing. Thank you for keeping me and my family posted throughout this entire process and answering all the questions I shot your way. You went above and beyond and I’m not just throwing that out there for survey purposes. PAT FULLER (Realtor) if you are hesitant like we were or first time Buyers like we were these two gentleman are who you want to go with. PAT FULLER went above and beyond on numerous occasions and his team over at SDPROPERTYBROTHERS are simply amazing. True professionals in all aspects and the biggest thing I liked was he kept it real. Expectations through a lot of ideas that we didn’t even think about. He... Read More

    Gunny A
    3/17/2019
    United Veterans and Clay Rose were absolutely outstanding, I would recommend them to any Veteran or Active Duty Brother or Sister looking to purchase a new home!

    Keil M
    3/16/2019
    I’m a single guy that had no idea of what I was getting myself into, and it’s a good thing I chose Vetarns United VA Loans because it was a breeze

    Rochelle G
    3/16/2019
    We enjoyed working with Verterans United VA Loans. They made our home buying easy and enjoyable.

    Matthew Z
    3/14/2019
    While buying a home is stressful and you feel yourself being pulled in a thousand directions and vulnerable. Veterans United is the anchor and your battle buddy fighting your battles. If you want loan company that will watch your six pick Veterans United.

    A
    Alonzo B
    3/13/2019
    I had finally decided to try and purchase my first home and I contacted a VU rep. He took all my information and told me he was going to do a preaproval on me and it will take 3-5 days and I'll receive it. Well;4 weeks passed and I hadn't heard from the rep; therefore I called him and he told me that he had forgotten about me, said he had gotten busy and I feel through the cracks! I don't know if I want to do this anymore!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Alonzo, I am so sorry to hear that this was your experience. This is not a typical Veterans United Home Loans experience, and I want to stress that each client is important to us! I shared your feedback with your loan officer, and if you would like to speak with a manager here at Veterans United to share more information about what happened, please call 1-800-212-5200 or email ClientAdvocate@veteransunited.com.
    M
    Michael M
    3/13/2019
    I would highly recommend Veterans United for your next home buying experience. They are truly VA home loan experts and made the home buying process a breeze. I received excellent customer service from every single person I talked to. Thank you Mike Mange, Mike Cecero, Adam Carr and libby Enriquez, for being such professionals and having an awesome work ethic which led to us closing in under 30 days and stress free. You guys are great. Thank you for everything.

    Frank D
    3/13/2019
    I was told home buying was one of the most stressful things people go through, but I can't say the same. As a first time home buyer i'm actually really surprise in how easy everything was. Veterans United breaks everything down making it so easy to understand what needs to be done. They also have a lot of helpful videos that will guide you through the whole process. It only took me 38 days from when I made an offer to close on the house. This was by far one of my best experiences of my life. Thank You for everything.

    D
    Denise
    3/12/2019
    Weather you are a first time buyer or a multi home owner, the Veterans United Home Loans is the best place to come. Theyre honest, willing to work with you at your current status and pace: but what was most importantl to me was they kept me feeling like I had no issues that they couldn't help me solve. I must admit that I was a bit nervous at times but they always was there upfront to reassure and calm my fears as I progressed towards my home purchase. Then, after 3 months of work, it happened and I am the proud owner of a brand new home and it is all because I chose Veteran United Home Loans. Thank you guys a million.

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