Disclosures
The above statistics on the volume of VA loans is for Wintrust Mortgage. Veterans First is a trade name of Wintrust Mortgage.
Veterans First VA Loans Review
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Veterans First is the trade name for Wintrust Mortgage, a division of Barrington Bank & Trust. The company is headquartered in Rosemont, Illinois, and offers new VA loans and several refinancing options to eligible borrowers. It also has a wealth of educational resources to help military members and veterans understand how VA loans work.
How Do We Rate Veterans First?
Breakdown
Our Overall Rating: 0 / 5 (N/A)
Veterans First is a smaller VA loan provider, but it stands out for its excellent customer service, which has garnered it a 9.1 TrustPilot rating from nearly 550 customers. VA loan costs and limits are determined by the Department of Veteran Affairs, so customer service is usually the key differentiator between lenders. This is a company you'll probably be working with for decades, so it's important that you choose a company you're happy with and Veterans First won't disappoint.
Veterans First Tools & Resources
| Lender Type | Mortgage Banker |
| VA Loan Types | IRRRL (Interest Rate Reduction Refinance Loan) Purchase Rate & Term Refinance Cash-out Refinance |
| Property Types | Single Family Home Multi-family Unit Townhome Condo Mobile/Manufactured Home |
| Maximum Loan Size | $484,350 |
Tools & Resources - 0 / 5
Veterans First offers all of the typical options you'd expect from a VA loan lender, including new VA loans and multiple refinancing options. It offers loans up to the amount that the VA will guarantee and while Veterans First does not discuss loan terms on its website, it does offer several options for you to choose from.
Veterans First User Experience
| Fee Information | Funding fees can vary from 1.25% to 3.30%, depending on your down payment and whether you are a regular military member or a reserve/guard member. |
| Waived Fees | You won't pay private mortgage insurance (PMI), prepayment penalties, tax service fees, seller or lender attorney fees, document preparation fees, commitment or marketing fees, real estate commissions and underwriting or processing fees. |
| Minimum Credit Score | 620 |
| Borrower Qualifications | 41 |
User Experience - 0 / 5
The VA determines the fees associated with VA loans, and you can find these costs spelled out on Veteran First's website. The VA and Veterans First do not impose minimum credit scores or debt-to-income ratios, but you may have trouble securing a VA loan with any lender if you don't meet the criteria listed below.
Veterans First Expertise
Memberships & Regulatory Info.
| Memberships | FDIC |
| Nationwide Mortgage Licensing System ID | 449042 |
| Nationwide Mortgage Regulatory Actions | 0 |
| NMLS Collection Date | 2019-08-21 |
Online Reviews
| Trustpilot Rating | 4.9 out of 5 |
| BBB Rating | A+ |
| Date Collected | 2019-08-21 |
Expertise - 0 / 5
The data listed below is for Wintrust Mortgage, a division of Barrington Bank & Trust. Veterans First is a trade name of Wintrust Mortgage. It isn't an especially large VA loan lender, but it's been doing a steady business for several decades and it hasn't received any negative mortgage regulatory actions, which isn't something that all VA loan providers can say.
Contact & Additional Information
| Homepage URL | |
| Company Phone | (800) 217-1596 |
| Headquarters Address | 9700 W. Higgins Rd., Ste. 300, Rosemont, IL, 60018 |
| Year Founded | 1992 |
Our Comments Policy | How to Write an Effective Comment
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