Veterans United VA Loans Review

Rating: 10 / 10 (Excellent)
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Veterans United – Overview

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.

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 100,000 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 called the Lighthouse 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. 


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





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


Mortgage Related Fees

Origination Fee

Closing Fee


Private Mortgage Insurance


** 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.


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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Customer Comments & Reviews

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Penny J
Lake Worth, Florida
Your information was pleasant to read and a great source of information. My husband and I have lived in the same place for 20 years and are not real clear on the moving/buying process. We live in West Palm Beach, Florida and intend to move to Asheville, North Carolina.

Top Rated
Our Partner
10 / 10
  • #1 VA Purchase Lender: Most VA Purchase Loans of any lender in 2017
  • 97.8% of Veterans & Military Families recommend Veterans United
  • 100,000+ verified customer reviews, 4.7/5 Average Rating
  • Advised by former senior leaders from each branch of the Armed Forces
  • Network of 6,000 Veteran-friendly real estate agents
  • 150,000+ loans closed for Veterans and service members nationwide
  • Representatives available 24/7 to better serve troops overseas
  • Extensive resources designed to help educate homebuyers