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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 ...
    J
    James
    4/8/2019
    Veterans United home loans was absolutely amazing. The patients they had with us and the great attitude they had with us this whole process was just unbelievable. The Tyler Billington team were truly the best. The website made submitting paperwork and different documents super easy. Thank you for helping us get into our first home.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    "Absolutely amazing" are words that absolutely make my day, James. I'm glad that everything-- from your team (and their great attitude), to the user-friendly website, to the ease of submitting documents online--was so smooth and easy! Thank you for your review, and congratulations for becoming first-time homeowners. That's such a huge milestone!
    J
    Jason
    4/5/2019
    Veterans United is a great company and worked with us from day one all the way through making the whole process of buying a home so easy. The website worked great and was easy to use and our personal worker Michael and his assistant Hanna were both amazing and went above and beyond throughout everything. Amazing place and should be highly considered for your next home buying experience.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Hi Jason! A million "thanks!" for sharing your experience with us and others. It means so much to read that Michael and Hannah went above and beyond expectations, and that the website helped make the home buying process easier. Congratulations on your new home!
    Stephanie M
    4/4/2019
    They were fast and always provided insight on the process. This is my first home and they made the home-buying process easy.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thanks for the 5 stars! I'm so glad your first home buying process was such an easy one, Stephanie. Congratulations on the new home!
    Amelia B
    4/4/2019
    the Company themselves were also great. Thanks for hiring Kyle Gardner. Thanks for everything

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank YOU for the absolutely wonderful review, Amelia!
    C
    Candice
    4/3/2019
    Pretty easy process with them and I would easily recommend to others

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I'm glad you had an easy homebuying process, Candice! Thanks for the review and recommendation!
    comack19881988
    4/1/2019
    Fast and friendly. Send me more gear to advertise your program. Best experience ever.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    "Best experience ever" is what I love to hear from our clients! Thanks for the review!
    Taylor L
    4/1/2019
    Mark and Marlon, were very professional and experience in helping me with my first home buying experience. They both were communicating when there are documents need with my loan process.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Open and clear communication are SO important for a successful homebuying process--I'm glad to hear Mark and Marlon provided just that. Congratulations on your very first home purchase! Hope you celebrate reaching that milestone!
    David B
    4/1/2019
    Jamie and Jason were outstanding. The whole process had a few bumps caused by the underwriter but they got the loan done and in the end we finally closed and now we have our new home. Thank you again for all of your help!!!!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    I'm sorry to hear there were some bumps in the road, but am so glad Jamie and Jason were there to help navigate them. Thanks for the kind words, and enjoy the new home, David!
    P
    Paul
    4/1/2019
    Sarah Dixon and Suzanne McClain made buying a home seem so easy. I have always rented and feared the process of buying a home; and the ladies made it so easy that you would think I bought them every day. They worked hard with my Agent and alleviated so much stress. The setup of the whole online process also made things easy and organized. Thank you again for all of your help!!!!

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    It can be a little intimidating to encounter the homebuying process for the first time, and I'm glad Sarah and Suzanne were there for every step to make sure you didn't face it alone (and even made the process easy!). I love hearing our online processes made the homebuying journey even less stressful for you. Thanks so much for the wonderful comment, and congratulations on your first home purchase--you're a homebuying pro, now!
    April L
    4/1/2019
    This company was quick, easy, and very friendly. Highly recommend to veterans.

    Jillian J  
    Official Response

    Client Advocate of Veterans United VA Loans
    Thank you for your review and recommendation, April!

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