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Veterans United Mortgage Rates Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
969 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 Do We Rate Veterans United?

Breakdown

4.5/5
Lender Types
4.5/5
Available Mortgage Types
5.0/5
Customer Experience
5.0/5
Reputation & Transparency

Our 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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    969 Customer Comments & Reviews

    Loading Reviews ...
    patrick.odell2012
    6/6/2025
    My loan officer, Kevin Reichert, was amazing. The loan coordinator, Michael Hopfer, should be terminated with prejudice.

    danieleb296
    6/5/2025
    Buying a home has never been so easy. The VU team literally walked with us every step of the way! Having a team that understands the military lifestyle and goes above and beyond to help, is extremely fantastic! Austin Fuemmeler ( loan officer) and Casey Hatch (realtor) made our virtual purchase in South Dakota a wonderful experience. I truly don’t know how we would have accomplished all of this without them to assist! Great work from amazing people.

    p3yt0n31
    6/2/2025
    Kelly and the whole veterans united team were fantastic to work with and always on top of everything. We closed in less than 30 days. I highly recommend the Kelly Tolster out of Tampa.

    nordlunddevan
    5/22/2025
    Even across the ocean, I was able to find and fund the perfect home

    M
    Mary
    5/20/2025
    Do not let people tell you VA loans are slow. We closed in 60 days.

    shaffdogfd
    5/13/2025
    Your team did a great job and we are so grateful for everyone that helped us to obtain our home. Thank you

    bonnie14843
    5/10/2025
    The entire team was always there when needed made everything very easy for wife and I always there when when we both had questions about any of the process did everything for us mad it very easy on our part to purchase home in SC while being in NY thanks again everyone on the team you guys are great!

    heldyb2001
    5/4/2025
    The Veterans United team was truly exceptional. They went above and beyond in helping me find my dream home. I truly appreciate your great service and wish Jay and Amy continued success.

    juliniok
    4/15/2025
    I am so grateful that this team is working with me. From Day 0 to reach my goal. I praise God and I am very grateful to have great people like you to help me achieve my goal. Thank you for everything. And I would recommend this Veteran United, especially this team to anyone who is interested or wants to buy the house of their dreams.

    shelby.bennett.91b
    4/14/2025
    My team was phenomenal! The process was very efficient and there was very minimal stress. The app is so helpful as well. I love the “to-do list”, it kept everything organized. The added information about different parts of the process definitely helps you understand everything that is going on behind the scenes. My team worked with my realtor effortlessly. All in all, I would highly recommend Veteran’s United to anyone! They even gave me a free coffee 😏

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