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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 ...
    lawsmommy11
    6/14/2019
    Our team at Veterans United got us in our new home quickly. Helped us find the perfect realtor and was there every step of the way! Went above and beyond what we had expected when we started our home buying journey!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Yes! I love hearing that your team went above and beyond your expectations to get you into your new home ASAP. Thanks so much for the wonderful review, and enjoy your new place! -Jillian J., Client Advocate
    Ronald L
    6/13/2019
    The Team at Veterans United couldnt have went out of their way anymore than they did to help get my house loan. The realtor they set me up with was the friendliest and so helpful. I can not thank them enough for finding me a beautiful home.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Hey Ronald! Thanks so much for the wonderful review. I'm glad that you had a great experience both with your loan team and your realtor team! Congratulations on your new home! -Jillian J., Client Advocate
    Amanda R
    6/10/2019
    I called to let them know we were having financial problems. They asked me to schedule payment for the end of the month, which I did . I told them, if I can make the payment sooner that I would, and I did. They did not tell me that this would not cancel the payment scheduled, and they took out a double payment and refused to return. Knowing we have a financial situation, this shows that they have zero empathy!

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    Hi Amanda, I am so sorry for any inconvenience this must have caused, not to mention stress both emotionally and financially. I had reached out to our servicing department and know that one of my agents Dave has reached out via phone and email. I am hopeful we have provided a positive solution in moving towards a resolution. For any further assistance, please call or email my servicing team at 1-855-217-0772 or CA.Servicing@vu.com to get in touch with any additional feedback or concerns. -Claire S., Client Advocate
    Thomas S
    6/8/2019
    They took this first time buyer from the valley to the highest peak. They explained each step to help this sometimes confused buyer.

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    Oh Thomas, this is wonderful! I am thrilled we were able to walk plateau to peak with you. “Somewhere between the bottom of the climb and the summit is the answer to the mystery why we climb.” -Greg Child I hope this adventure provided the answers you needed and can reflect on them in your OWN home!! Thank you for choosing us to help guide you on this journey! CONGRATULATIONS on your loan summit :) CONGRATS! Claire S., Client Advocate
    E
    Emanuel
    6/8/2019
    Veterans United did an amazing job. Second time around using them and they did just as great as the first time. Thank you Joe Peterson, Zach Brown, and Markita Rosenberg. Y’all did an incredible job.

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    Hi Emanuel, They always say, second is the best... you know what to expect from all parties and navigating all the ins and outs of the loan comes far more naturally in round 2!! Thank you for choosing us time and time again, that is SO meaningful to us! Wishing you all the best, congratulations! Claire S., Client Advocate
    Donna H
    6/7/2019
    our experience was wonderful , i would highly recommend our loan officer was Heidi Bailey-Houston and Bryan Kay,, so very helpful..quick and efficient

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    Hi Donna, Thank you for sharing your experience! Heidi and Bryan truly live our values and it shows!! A recommendation from one of our VUHL families is just the cherry on top of all this goodness!! CONGRATS to you!! Claire S., Client Advocate
    Donna H
    6/7/2019
    our experience was wonderful , i would highly recommend our loan officer was Heidi Bailey-Houston and Bryan Kay,, so very helpful..quick and efficient

    L
    Linda M
    6/7/2019
    Veterans Untied is the best company to have when buying a home. I highly recommend VUHL to anyone who needs help. Thanks to Krystal Palmer and Chrissy Fitzgerald for making it so easy . The two of you are awesome along with VUHL. Thanks again Linda M.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Linda, thank you so much. If it makes MY day to read your kind comments about Krystal and Chrissy, I can only imagine how thrilled THEY will be when I share your review with them! Congratulations on your new home!
    Della D
    6/6/2019
    Vetrrans United you are the best would recomend you to anyone wanting to buy a home. Our experience was awesome. Tyler Billington you were there to anwser any questions we had. Thank you . And potential home buyers Veterans United is the way to go.

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    Hi Della, Thank you so much for Tyler's shout out, the all star review and recommendation. Tyler and the rest of the VUHL crew are so thrilled for you and pumped that your experience lived up to this 5 star rating!! We are wishing you all the best on your new journey! CONGRATS!! -Claire S., Client Advocate
    Ebbony J
    6/5/2019
    The Veteran's United team was wonderful to work with. They were reliable, efficient, and extremely helpful! Would highly recommend to potential homebuyers!

    Claire.smith@veteransunited.com  
    Official Response

    Client Advocate of Veterans United VA Loans
    Hey Ebbony! With a description like reliable, efficient, and extremely helpful, we have our own big shoes to fill, and happy to do it time and time again! Thank you for taking the time to write this and we are so excited for you, thank you for the recommendation too!! CONGRATULATIONS! Claire S., Client Advocate

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