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Veterans United | VA Loans Review


ConsumersAdvocate.org Rating: 5 / 5 (Excellent)
942 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.

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.

These conditions include more flexible qualification guidelines, lower rates, lower monthly payments, no down payments, and no private mortgage insurance.

Veterans United has closed over 700,000 home loans for military service members and their families, but 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.

Also, Veterans United offers a totally free and no-obligation credit-building program, where veterans and military families have access to trained and dedicated consultants who offer advice and strategies for improving credit. 

What’s more, Veterans United has unmatched VA loan expertise and is the country’s No. 1 lender for VA purchase loans.

Services and Features

For borrowers seeking VA loans, 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. 

Eligibility

To determine eligibility, prospective borrowers may have to initially provide the following information:

  • Buy or Refinance

  • Military service history

  • State

  • Value of home desired

  • Planned Date of Purchase

  • Credit Score

  • Zip Code

  • Email address

  • Current Address

  • Phone Number

Types of Loans Offered by Veterans United

Types of Home

Multi-Family

Single-Family

Townhouse

Condominium

Mortgage Options Offered (Veterans United is a full-service lender who also offers conventional, FHA and USDA loans.)

VA Loans

Fixed Rate Mortgage

Adjustable Rate Mortgage

VA Cash Out Refinance

IRRRL

Mortgage Related Fees

Origination Fee

Closing Fee

No

Private Mortgage Insurance

No

** Veterans United's fee structure can vary depending on a host of factors, including the type of loan, the borrower’s credit score and more.

Qualification

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.

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

VA Loans with Veterans United

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. A top choice for all the different types of VA loans.


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942 Customer Comments & Reviews

Loading Reviews ...
cgtom818
6/29/2023
Seamless process! Great staff! So, thankful for such a motivated and competent team.


Paul T
6/28/2023
UVHL was awesome. The teamwork unreal and the flow of communication smooth. From first email to the gifts sent after we closed was real Aloha in my opinion.


Catherine M
6/22/2023
Exceptional service from Brent Shultz and the team! This has been nothing but the best experience this far! Highly recommend to all interested in purchasing a home to take advantage!


Corn P
6/21/2023
We are very please with how smooth the process went working with Veterans United! Alex and his team were the ultimate professionals!


C
Charles
6/12/2023
My first time buying a home and without a doubt Veterans United team made the process smooth. I am very thankful!


Michael T
6/8/2023
I would recommend that team to anyone, I felt they did a wonderful job


V
Victor B
6/6/2023
They made my dream come true thank you guys without you guys this couldn’t be possible you guys went beyond my expectations


bivanmd2018
6/3/2023
The best team Aaron Swanner… +5 starts; great communication; wise advice; great support team


jrod3305
6/2/2023
Veterans United is AMAZING! Especially Kris Ball and his team. I cannot believe how easy, smooth, and headache free the process was. By far the best mortgage experience ive had in my life! Thank you!


p_funk05
6/1/2023
Veterans United was very helpful and communicative. I was directed to a very good realtor in my area who wound up becoming a family friend through the process. I’m a first time buyer and was very intimidated by the whole process. They get that, and took very good care of us. The bottom line? I bought my first home in a very competitive market, and am extremely happy! They even sent a very thoughtful gift after our keys were handed to us. Thank you to the entire team at Veterans United. You are all very appreciated!