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Veterans United Mortgage Rates Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
888 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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    888 Customer Comments & Reviews

    Loading Reviews ...
    jhanks1971
    9/15/2023
    Veteran's United from the beginning provided an extremely knowledgeable and professional team. This was the easiest, fastest and low stress home buying my wife and I have ever done. Even the title company was very impressed by the flawless execution of how my loan officer Matthew Thayer and Rachel King executed the process from pre-approval to close. The process of buying a home should not be stressful, it should be all Veterans United and stress free!! Thanks to: Matthew Thayer-Loan Officer and Rachel King -Closing specialist!! Both rated 10+++

    P
    Patrick T
    9/15/2023
    No doubt Veterans United is the best out there! I did shop around and Veterans United had the lowest fees and the lowest interest rates. My loan officer is the very best at what he does. I whole heartedly would recommend Veterans United, and I will definitely work with them again.

    tjgorlasr
    9/15/2023
    They did a wonderful job and let me know what I needed to payoff to get where I needed to be able to purchase our home

    ntetakoumarielord
    9/15/2023
    I'm so satisfied about everything, the process of buying my home went very smoothly. The United Veterans Team that worked with me was very professional and king with me throughout the process🥰. Thank you.

    Rob M
    9/12/2023
    Matt and Nikki were sensational. They were both on top of things. They made what can be an uncomfortable process pain free. I'm 100% positive I made the right choice to work with Veterans United!

    jstephenssr
    9/8/2023
    I’m so glad I filled out the questionnaire and was contacted by Veterans United. They made the home-buying process quick and painless. Being a first time homebuyer I was extremely nervous and uncertain about the whole process. I was under the impression that you needed an extremely large amount of money to even consider buying a home. Alex my loan officer was amazing to work with I’m truly thankful that we worked with him. He was patient and took the time to answer all of my questions. Dalton my loan coordinator kept informed on the status of all documents submitted or required. My wife and I are very happy with the home we’ve purchased and look forward to making many memories together... Read More

    fasielue
    9/2/2023
    Veteran United Home Loan Service is the best there is. I will recommend them to the world. Dan & Kayla, I remain appreciative of the professional and timely service. On behalf of myself and my family, I say BIG THANK YOU!!!

    heidi
    8/27/2023
    Veterans United has a very effective & efficiently run team ! With Matt Landis as the lead, you will experience nothing but positive satisfying results!

    qsimpson2011
    8/24/2023
    I was thrilled and satisfied; I thought this would be a much longer and grueling process, but my team made everything super efficient.

    jimicee56
    7/22/2023
    You forgot about Christy, Dereks co-pilot. ( May I assume they were Air Force while they were working with me) Ha! She delivered the news of the approval of my loan. It was such a relief. Between her and Derek I felt like my loan was the only thing they had to work on. I even told them that. They told me it was because I was important. Dont leave out Mary. I was cruising the internet and just wanted to see what my loan would be if I went VA. I was upset that I had to give my personal information. Front line Mary called me in less than a minute. First thing I said, I'm not doing this over the internet. I don't want to be handed off to a bunch of people throughout the process all doing... Read More

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