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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 ...
    C
    Christopher
    4/10/2019
    Veterans United stood by their word and made the process very easy. I recommend them highly...

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you for your recommendation and trust in us, Christopher! That means so much to us here at Veterans United.
    Rob N
    4/9/2019
    Veterans United made the home buying process enjoyable and easy. This will be the only company I use from now on.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I am thrilled your team made the process easy and even enjoyable! Thank you for your review and trust in us, and congratulations on your new home!
    Nicholas U
    4/9/2019
    used Mitch and Aaron to purchase my home and refinance, both times were a great experience! super helpful and professional. I would recommend this VU team to anyone looking to purchase a new home of their dreams or to refinance their current home. Thank You!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you so much for that shower of compliments for Mitch and Aaron! I know they appreciate the kind words and recommendation. I hope you love your home for years to come, and I am so glad the refinance went through smoothly!
    J
    Jewell M
    4/9/2019
    I considered other mortgage companies and did plenty of research and read many reviews. We decided to go with Veterans United because they specialize specifically in loans for Veterans. Many companies who offer home loans to veterans may not be fully knowledgeable and familiar with all the paperwork, etc. I didn't want to waste time. Also, the low rate and no down payment was a selling point for us.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I love hearing how much research and shopping around you did, Jewell! That's such a great way for veterans and service members to find their best deal and a lender who is a great fit for them. I'm happy we were both of those for you, and I so appreciate your wonderful review! Thank you, and congratulations on your new home!
    Carlos M
    4/8/2019
    I can’t say enough about veterans United they made the whole process smoother and easier they give me a form through the whole process and we close on time thank you Veterans United home loans I would highly recommend to all my friends and family

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I can't say enough about how thrilled I am to read your review, Carlos. A smooth, easy process is our goal, and I'm glad you and your team reached it together! Thank you for the review, and congratulations on your new home!
    S
    Samuel V
    4/8/2019
    It was a completely great experience having enthusiastic personnel with lots of knowledge. We were able to close early and use their insight.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    When we get to read awesome reviews like yours, how could we not be enthusiastic? Thank you so much for the kind words, Samuel, and congratulations for an early closing!
    Lyle D
    4/8/2019
    Veterans United will work hard to make your home buying experience a great one. Taylor and Natalie exceeded our expectations in every way - quick processing, friendly, and we received a very good interest rate!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you for the kind words! I'm so happy to read how hard Taylor and Natalie worked to make your home buying process a smooth one, and even happier to see they exceeded your expectations. Congratulations on your new home, Lyle!
    J
    Joseph P
    4/8/2019
    The team of Devon Casady and Elaine Gibbs were excellent. The staff showed compassion and listened to our needs while still being professional. We love our new home and with out your help our dream may not have come true. Thank you for all your help and support.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I'll be sure to share with Devon and Elaine that their compassionate care and support made such a difference --I know they'll appreciate your kind words. I'm glad you love your new home, and my biggest CONGRATULATIONS to you for achieving your dream of homeownership!
    Vanessa S
    4/8/2019
    Easy process. Awesome helpful staff. We love our new home! Do this!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Yes, yes, yes! It makes me so happy to read reviews like yours, Vanessa! I hope you love your new home for many years to come. Congratulations!
    R
    Ryan B
    4/8/2019
    I had done some shopping around for mortgages and ultimately choose Veterans United because of the friendliness, speed of service, and good rates. It was one of the best choices I made during the buying process. As a first time buyer I had minimal knowledge about the home buying process and was dreading it. My Veterans United loan officer and their suggested realtor made buying my first home an approachable and pleasant experience. Thanks VU!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I know that sometimes, buying a home for the first time can seem like a daunting task (it can be hard to even know where to start!). It makes my day to know your team made your first home buying process approachable and pleasant--the way it should be! Thank you for sharing your experience, and enjoy your new home!

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