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Veterans United | VA Loans Review


ConsumersAdvocate.org Rating: 5 / 5 (Excellent)
945 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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945 Customer Comments & Reviews

Loading Reviews ...
jeremysomeone13
8/31/2021
Lots of help. Made everything really easy. Would recommend to anyone looking for a home.


aviationscoop
8/28/2021
Veteran United Home Loans has done wonders for me. I never would have received the home im in if it wasnt for them. The team had guided me through every step along the way. There was explanation in detail of whats to come prior. I could not have imagined a better experience in the home buying journey than the one I had.


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Matt M
8/26/2021
Veterans United was an amazing company to work with. I felt respected and felt that anytime I had a question or needed help I would immediately get exactly what I needed. VU also helped us get through a bunch of problems, changes, and issues in a fast and efficient manner. I truly felt that the team went above and beyond to get us our house. Would absolutely recommend VU to anyone who needs a new home.


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Carl C
8/26/2021
The team I worked with where always there for me through the whole process, they where really knowledgeable and respectful the whole process.


bronzebard03
8/25/2021
If you want team to treat you as a human being not numbers on spreadsheet then this is the company for you. I know that as a newbie in this process, you may be overwhelmed but having a team available just for you that also provide phenomenal customer service is rare.


M
Michael G
8/25/2021
If you still have not made up your mind, check with you local bank or credit union and compare their closing costs to Veteran United. We did and saved considerably using Veteran United. A low interest rates, low closing costs and a team that will make the process as seamless as possible using the latest online technology. That is what everyone is looking for. Look no further than Veteran United.


kevcvn72
8/24/2021
Rachel, Stephanie and the entire team were great. Cannot think of one negative thing to say about the experience.


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Charles R
8/20/2021
Apart from gathering a few documents, there wasn't a lot for me to do...since they go above and beyond. Adam and Amanda personally made sure I had every resource available, answered questions promptly, and made purchasing my home a LOT less stressful than it could have been. True professionals!


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George K
8/19/2021
Made it easy to get the process done fast. Very informative


williamgilbreth
8/18/2021
If you have never been through the process of buying a home or have had problems with other companies, I would highly recommend Veteran's United. We were first time buyers and they made our experience pleasant and easy.