Rating: 9.2 / 10 (Excellent)
4 Customer 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. </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 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.

    Top Rated
    Our Partner

    Veterans United Home Loans

    We’ve streamlined VA homebuying
      Determine your 2025 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

    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 😏


    christinamagallan

    4/14/2025
    The entire team demonstrated exceptional professionalism and dedication in ensuring that all of my needs were thoroughly addressed. Their communication was clear and timely, and they consistently provided thoughtful and comprehensive answers to my questions. Moreover, their diligence in problem-solving significantly contributed to making this process remarkably smooth and stress-free. What I appreciated most was that the experience never felt purely transactional; rather, the team was personable and genuinely invested in my well-being throughout. I am sincerely grateful for the outstanding service provided by Veterans United.


    rickearley1982

    4/13/2025
    My entire Veterans United team were great and worked great together! They were very honest and open with the things they were doing, what they needed, and what I needed to do for myself (which was almost nothing)! This was my first homebuying experience and they all made it so efficient that I didn&#39;t even feel like I was buying a home! The service was more painless than filling out a rental agreement/application! These people were above and beyond anything that I had expected! Would I recommend these people? The answer is YES! Go with Veterans United and you will be in the very capable hands of homebuying Veterans!


    B
    Beau G

    4/12/2025
    From the beginning to the end. The process was wonderful. Was guided through each step. To complete forms accurately. First time buying a home. Was able to seal the deal on my family farm. Was a very easy and smooth operation. Would recommend to any veteran needing a home. Very thankful for the benefit.


    mzdailey118

    4/8/2025
    My experience was easy and I was aware of everything. I was so afraid because this was a big purchase and my first time buying a house. This is the most straightforward process.


    janetlee1261

    4/4/2025
    Our team was fantastic ! Will definitely recommend to all our friends ! This was easily the most stress free home buying experience EVER !


    smdixon6969

    3/26/2025
    The team was amazing and made the process easy and painless. Will recommend to friends


    jcooper2373

    3/25/2025
    Special thanks to Veterans United! Will highly recommend because of the team that served me! 100/10


    pluckedout

    3/19/2025
    Absolutely amazing! I lost my home 20 years ago and the nightmare and mental scars I suffered as a result have been permanently erased thanks to VU. I sincerely and humbly thank this organization for their focus and dedication


    R
    Ricky W

    2/28/2025
    Veteran's United staff members were all very professional and patient during the entire loan process. I would definitely recommend them to my family and friends. Excellent customer service experience!!!


    daddyogabe

    2/19/2025
    Choosing Veterans United was the best decision we made. The name says it all! This company knows all of the details when using VA benefits to purchase a home. The entire team was extremely professional yet real. It was like working with trustworthy family and friends. The process was efficient and smooth. Our team had all the answers to all our questions. We highly recommend this company!! We did try dealing with another company but it was very obvious that if you are using veteran benefits to purchase a home Veterans United is the company to work with.


    Alton N

    1/30/2025
    I recommend Veterans United to all vets that are trying to buy their new home. These folks can do it and do it well!


    Teresa C

    1/27/2025
    Thank you for everything you did for us. You help veterans everywhere.


    ml33040

    1/4/2025
    The entire process from the initial phone call to closing, the Veterans United team was there step-by-step. The process is extremely refined and efficient. I know there is a ton of paperwork that goes on behind the scenes but as long as you, the customer, can provide necessary documentation and work with the team you will have your new home very quickly. You don’t know what you don’t know so don’t be afraid to ask questions about anything as they can and will assist as they are very knowledgeable! 10/10 across the board!


    Montez W

    12/30/2024
    A talented group of professionals that really have the best interest of the home buyers. Team worked great and kept me abreast at all time. A definite 10/10… will recommend!


    James K

    12/26/2024
    Highly recommend, have had the pleasure to work with them multiple times now. They streamline and simplify everything.


    Gabe S

    12/26/2024
    Excellent service and very professional! The entire team worked well together and kept me informed about everything throughout the process. Would highly recommend!!!


    Dirk D

    12/23/2024
    The online e-signature process was very streamline and convenient. This truly was a stress free buying experience, very happy with VU!


    Whatabout B

    12/22/2024
    Could ask for a more Outstanding Team then all the Staff at Veterans United!


    Dale C

    12/12/2024
    Over the course of my life I have purchased several properties and this was without a doubt the most pleasant and efficient experience I have had. Very professional team that guided me every step of the way and made the experience as painless as possible. Hannah was nothing short of AWESOME!!! I highly recommend.


    M
    Millard S

    12/10/2024
    The specific group I was assigned to, "Brandon Speer and Team", were amazing in helping me buy a house. I knew I was in GREAT hands right from the beginning. I have already gotten a vet friend to use them for her venture and am not ashamed to tell people who helped me.


    J
    John

    12/5/2024
    I was quite skeptical of using Veterans United at first. As soon as I got my first call and began to work with the ream, I could tell I was working with a top notch team. I would set to sea any day with Veterans United. Anchors Away!


    trojantucker7

    12/2/2024
    This company cares about vets. Very attentive and answered any and all questions. They dug deep and helped me through the whole process.


    scottgerryandriod

    11/26/2024
    Don't think I've ever felt like a mortgage company was really in my corner until I worked with this team. Definitely highly recommended.