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Veterans United Mortgage Rates Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
961 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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    961 Customer Comments & Reviews

    Loading Reviews ...
    dcroyal1986
    8/24/2019
    Suzanne and her team were such a joy and delight to work with. Suzanne was very enthusiastic and upbeat every time i spoke to her. She was extremely professional and knowledgeable. She made my housing buying experience so painless. I really appreciate all that she has done.

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    That is so great to hear!! We get pretty pump sharing what we know about the VA home loan and helping those who served get the home they earned. We are so honored to be given the chance to do just that! I am so excited for your new chapter to begin! CONGRATS! Claire S., Client Advocate
    northxpo
    8/24/2019
    I was very happy with the way everyone treated me and walked me through the entire process.

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    That is exactly what we would expect from our teams! I am so glad our expectations and your realty were aligned! We are thrilled for you to start this journey as a home owner, and so happy we were able to help you turn the page!! Claire S., Client Advocate
    watchie06
    8/16/2019
    Thanks! 1000% veterans United VA Loans, a Job very well done, the best team ever. A special thanks! to Rob Hayward Thumbs up!!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thanks for giving your loan team a shout out and for writing such nice comments about your experience. 1000% this review!
    K
    Kenya M
    8/13/2019
    My experience was outstanding My loan officer and his assistant was wonderful to work with.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I'm so happy to hear that, Kenya. Thanks very much for the review!
    R
    Richard H
    8/12/2019
    Veterans United worked very hard for us and made the whole process a lot easier than what was expected. They connected us with a realtor who did a great job in finding us a home that is perfect for us. Our agents were very transparent and did not keep anything from us. I would definitely recommend them to anyone looking to purchase a home.

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    Hi Richard, Isn't it so wonderful when something you thought may be stressful turns out to be far more pleasant than expected? We love to hear that and I am thrilled that with clear concise communication and a perfectly matched agent, we were able to get you in the home you were wanting! CONGRATS! -Claire S., Client Advocate
    Cynthia H
    8/12/2019
    Everything was so smooth on our end. United Veterans kept us informed on the items needed which made it so smooth on our end.

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    Like butter is just how we want it to be Cynthia!! I am churned with joy to hear about your experience and we are so excited for you to start your new chapter in a home that is all your own! YAY! Congratulations! Claire S., Client Advocate
    R
    Rinehart S
    8/11/2019
    My experience working with Steve and Joyce have been very professional. I also had the opportunity to get to know each of them in a personal level sharing a few family stories. They both worked very to ensure that I get the home I love and made the process as painless as they possibly can. I would definitely recommend Steve and Joyce to a friend for their dedication, candor and can do attitudes.

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    Awe Rinehart, I love hearing when our employees not only live out our mission but take it to the next level; that is too good! Making sure that you feel like you are a part of our VUHL family is so important to us as well because we wouldn't be here without people like you believing in what we do! So thank YOU and we are wishing you all the best on your new home owning journey! CONGRATS! Claire S., Client Advocate
    punklesbo
    7/31/2019
    Thought the process was going to be way more difficult!!! My team made things super smooth and they would be really fast at replying with all of the questions i had. Absolutely lucky to of had them on my side.

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    YAY!!! I am so thrilled to hear this and hope that your home owning experience is a smooth as you buying!! WE are so lucky to have a VUHL family member like YOU!! CONGRATS! Claire S., Client Advocate
    Pam W
    7/30/2019
    I have ptsd from my enlistment with the Air Force. When I am stressed, I shut down. The team at Veterans United made this refi very easy for me. I was never pressured or harrassed like other lenders in the past.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Hi Pam, thanks for sharing this--it can't be easy living with PTSD, sometimes, I'm sure. I am glad to hear that your loan team was sensitive about this, and helped make your refinance as stress- and pressure-free as possible. Thanks again for sharing your experience, and congrats for the successful refi!
    D
    Dale S
    7/30/2019
    Having moved a lot during the past several decades, I have gone through many mortgage loan processes. Needless to say, I wasn't looking forward to enduring the riggers of dealing with folks who have to get things done to the requirements of a large government organization. To my complete surprise, this was by far the clearest and most pleasant mortgage process that I have experienced. No, this is never a "fun" exercise, but the staff I dealt with at V.U. were so patient, efficient, and even personally pleasant, that I truly did enjoy the experience. I just wish they sold cars. They could even make buying a car endurable. Dale S. Green Valley, AZ

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I have to admit I laughed out loud when I read your car-buying comment--that's some of the BEST praise we have ever received for sure. It makes my day to know that your team could offer pleasant surprises in terms of what the VA loan process can look like, and that everything went so smoothly. Congratulations on your new home, and thanks so much for the wonderful review!

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