Rating: 9.2 / 10 (Excellent)
4 Customer Reviews - see all comments
Disclosure: We receive advertising revenue from this partner. Learn more.
Founded in 2002, Veterans United is a full-service lender that specializes in VA loans for qualifying veterans, military members and their spouses. </br> </br> 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.

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.

    Top Rated
    Our Partner

    Veterans United Home Loans

    We’ve streamlined VA homebuying
      Determine your 2024 homebuying budget 
      Get up to 100% financing with a VA home loan 
      300,000+ verified 5-star reviews from customers
      America's #1 VA Lender (VA Lender Statistics) 

    Latest Veterans United Reviews

    colekimple

    5/4/2024
    If you want people who care and will patiently and professionally deal with your needs getting a refinance loan, go with Verterans United - Ben and Suzann were nothing short of amazing!


    berserker8984

    5/3/2024
    5 stars for above and beyond help the va suspended my va laon for a non service connection and I brought the law of vocal rehabilitation on the regional office they worked hard to make the sale before buyers backed out I hope the va regional Starts helping us veterans one day but I been screwed allot and VU was there with my back on getting a loan close on a house may 1 2024 thank you so much Daniel's teams.


    Cyndy R

    5/2/2024
    From recent experience with my loan officer, Ryan Hauser, I can unequivocally state the following:Veterans United prides themselves in hiring staff that possess great expertise regarding real estate mortgages. This company is not only interested in ensuring their company sets high standards to remain an A+ business; but, truly seeks to satisfy individuals considering the purchase of a home, with a specialized focus on those of us who served our country.From initial contact to finalizing the purchase of my home, Ryan Hauser availed himself to anything I needed (including answering all my questions and giving clear explanations when confused). His out-of-the-box thinking, bias for action,... Read More


    C
    Collin W

    5/2/2024
    I want to say thank you to everyone at Veterans United, you guys really made this process as painless as possible and me as well as my wife are forever grateful for the hardworking staff! Will DEFINITELY be using them in the future!


    Jason L

    4/22/2024
    We've used Veteran's United twice for your home buying needs, and we have found the end-to-end process very appealing. Do yourself a favor and give them a call!


    dmz67

    4/20/2024
    Todd knows everything you need to get your loan done and closed. You couldn't be in better hands to take care of your VA loan from beginning to end.


    Robb G

    4/6/2024
    Gwen is the best! She deserves a raise as far as I'm concerned!


    rcalles23

    4/5/2024
    Very simple process and a wonderful team of lenders to work with. I recommend them to all Veterans


    chetblong

    4/2/2024
    I compared Veterans United to over 10 different lenders while trying to buy a home&#8230; and VU was the absolute best at finding the lowest rate possible (who would even think 3.65% was possible in 2024!) and even got me cash back at closing.My loan officer, Sam Brown, was on top of everything, punctual, and exceptionally patient with me while dealing with the many stressors we encountered from an unethical property management company, and truly made me feel valued as a customer and a human. All veterans, and especially those with PTSD, would do well by having Sam as their loan officer.


    Marcia M

    3/30/2024
    Swift processing of my loan! Closed earlier than original closing date! Very impressed. Great to work with Ben, Abby, and Johnation all very personable! Veterans United rocks!!!


    Justice P

    3/26/2024
    Amazing experience working with veterans united. Had such an amazing team to help through the process.


    jessienmnmontalvo

    3/24/2024
    Even though it was a lengthy process due to regulatory red tape. VU was communicative and helpful throughout


    Leif H

    3/21/2024
    I would rate higher if I could. Veteran’s United has been amazing helping my wife and I as first time homebuyers through the whole process


    Ryan R

    3/16/2024
    Amazing! Veterans United is the best! 12 out of 10 would recommend!


    dmeyer101.dm

    3/9/2024
    Veterans united did an amazing job with our home loan. We are first time home buyers on a very short time line. They gave us loads of confidence throughout the process and got us to the closing table far ahead of schedule. I would definitely recommend them to others.


    Lena D

    3/9/2024
    The whole process went very smoothly. I was very pleased on the communication that I received during the process I would highly recommend them to other vets.


    T
    Thomas E

    3/2/2024
    You all helped my dreams of owning a home a reality, that I sit here with tears of joy that are still streaming down my face! Thank you!!!!!!


    Joseph C

    2/29/2024
    This is my first home purchase I was lost and had no clue about what I was doing with the team help it was a walk in the park


    johnicus5

    2/27/2024
    Cannot say enough good things about the Veterans United team. Our sale went smoother than I could have expected. They made a stressful time seem easy.


    quintonjones188

    2/24/2024
    Mr. John and his team was just straight up cool. Mr. John will hold a conversation with and do his job at the same time. I would recommend John and his team to anyone that wants that family vibe business relationship.


    dwsljs33

    2/24/2024
    Exceptional service, outstanding communication, easy process, All parties involved in the process extremely great to work with.


    J
    Jason

    2/17/2024
    I have heard a lot of horror stories when it comes to home buying. This is not one of them. My experience was great and moved way faster than I expected. Steve was amazing to work with and the rest of the team was on the spot with the information flow and what I needed to do. This was truly a great organization to work with. After almost 30 years of military service and buying my first home, these folks were great in every aspect.


    R
    Ron S

    2/16/2024
    Veterans United VA Loans was the best choice. They were fast and very helpful with all the questions and concerns I had. If I ever need another lone it will definitely be with Veterans United 💯


    dakoda.brewer93

    2/7/2024
    Veterans United is my only choice for a home loan! They are exceptional all the way around. Very knowledgeable and helpful 10/10!


    Doc R

    2/2/2024
    No need to go any further! Veterans United is the complete one stop package. The most painless, comfortable, and complete package there is! Amanda, Jeffery, Sara, you are all hero’s!