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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 ...
    Joseph F
    4/17/2019
    Before contacting Veterans United, never in my history of buying a big ticket item such as a car, home, or motorcycle, have individuals been so focused on great customer service. Because of my experience with Veterans United and their team of highly skilled professionals, I will be recommending them to family, friends, co-workers, and anyone else looking for a great home buying experience.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you so much, Joseph! Being an online lender, having that personalized, extra-mile customer care is especially important. I'm thrilled that was your experience, and so appreciate your recommendation. Congratulations on your new home!
    Addison
    4/17/2019
    Veterans United was absolutely amazing! I would highly recommend to my friends and family, and that's not something I say very often. The fact that I'm taking the time to make this review, my first on consumeradvocate.com, very much proves I'll be using them again, and happily so! As my first home purchase, they explained everything, and helped me every step of the way. I have a very difficult schedule, and had some hurdles along the way, but VU was in my corner from the get go.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you so much for your recommendation and review (I'm especially honored that we get your FIRST consumersadvocate review). It means so much to all of us here to know your team was in your corner from beginning to end. Congratulations on your first home purchase!
    Greg O
    4/16/2019
    The bottom line has to be "astoundingly good". My experience with Veteran's United was so good that I was not only impressed, but I was surprised. Josh and team were easy to get a hold of, responsive, communicative, and exceedingly professional. All members at VU that I worked with were equally responsive to text message, email, and phone calls. Josh was patient, and took his time to explain things to me, even when they were only peripherally related to my loan. He also interacted with us in a way that engendered easy trust in him as a loan officer and VU as a mortgage lender. This was my third home purchase, and the best experience of the three, by MILES. Let me put it this way, I would... Read More

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Wow, I don't even know where to start, Greg! Looks like third time was the charm for you in terms of customer service, and it absolutely makes my day to read that. I'll be sure to reach out to your team to share this incredible review with them. Cheers to many happy years in your new home!
    J
    Jensonic1
    4/16/2019
    Veterans united was awesome. Brandi and her team made everything go so easy and were very friendly and informative. Thank you so much for the easy house buying experience.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I'm so glad to hear it! Thanks so much for sharing some love for Brandi and the team, and congratulations on your new home!
    R
    Rafael P
    4/12/2019
    Chris Prenger was super through out my proses of buying my house. He was very atantive to every step of the process from start to finish.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I'm so glad you enjoyed working with Chris throughout your loan process, Rafael! Thank you so much for the review, and congratulations on your new home!
    Rose S
    4/12/2019
    Matt was wonderful! He and Maggie made our dream come true! Thank you for all your help .

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Congratulations for a dream come true! Thank you for the review!
    Charlene A
    4/12/2019
    This was by far the easiest loan we have ever had. Nathan & Nick made the process effortless. Thank you both for helping us through the process! Rick & Charlene Bradberry

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I'll share with Nathan and Nick how easy they made this loan process--I know they'll appreciate your kind words. Thank you for the five star review!
    marshall g
    4/12/2019
    Nathan Jackson and Nick Orf were extremely efficient professionals, able to answer all of my questions and address any of my concerns in a timely manner.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Hi Marshall! Thanks so much for the kind words for your team. I know they'll appreciate them!
    J
    Jim M
    4/11/2019
    From my pre qualifying approval to the day I closed, my loan officer, Shane M. and his team were with me every step of the way. They answered any and all questions I had. Provided specific instructions as to what they needed from me. And ultimately helped me to become a home owner. I couldn't have been any more happy with how easy this process was. Two thumbs up. Semper Fi

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    It makes ME happy to see how happy YOU are with your loan process, Jim! It's so important that when you take that home buying journey, you have a team that sticks with you for every step. Reading your review, it's clear that Shane and the team did just that! Thank you so much for sharing this with us, and congratulations on your new home.
    Maxie J
    4/11/2019
    I Took Their Survey on a Whim & Now I'm A Home Owner!!! Mitch Worked With Us & For Us!!! NO STRESS What So Ever. I HIGHLY Recommend Veterans United & WE Especially Recommend MITCH CARVER!!!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    That's amazing, Maxie! That whim turned into a home, and I'm SO happy to hear Mitch was there for you every step of the way. Thank you for your recommendation. and congratulations on becoming a new homeowner!

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