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Veterans United Home Loans Reviews

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About Veterans United Home Loans

Veterans United Home Loans (NMLS #1907) is a mortgage lender headquartered in Columbia, Missouri. It specializes in U.S. Department of Veterans Affairs (VA) loans for home purchases and refinances. Veterans United services loans in all 50 states and offers online support for customers who don’t live near a physical branch.

Visit www.veteransunited.com
Pros
  • Specializes in VA loan programs
  • Purchase and refinance options
  • Available nationwide
Cons
  • Only has 24 branches across 17 states
  • Website is difficult to navigate

Helpful Reviews

Fort Wayne, IN
Verified purchase
I recently had the pleasure of working with Veterans United Home Loans, and I can confidently say it was a five-star experience from pre qualification to closing! From the moment ...

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Dayton, OH
Verified purchase
This is an EXCEPTIONAL team which is why we’ve used them multiple times now! They know how to navigate the VA loan process seamlessly and make the entire process a breeze. Our loa...

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Rates

VA loans are backed by the U.S. Department of Veterans Affairs, which typically allows lenders to offer lower annual percentage rates (APRs) than they otherwise would.

The table below shows some of Veterans United’s current rates for different loans, all of which assume a 720 credit score for the borrower. All rates are accurate as of March 18, 2026.

Application process

You can start by getting prequalified for a loan to see what types of rates and terms you might qualify for. Generally, you can apply for a mortgage from Veterans United online, in person or by phone. The application process will vary depending on whether you’re buying a home or refinancing, but your loan officer should be able to guide you to closing.

Multiple reviews on our site say the application process is extremely easy and the team is very helpful. David, a reviewer from Alabama, had this to say about their experience:

“Their website was absolutely filled with all the information you will need to understand the process of obtaining a loan for your new home,” David said. “Our loan specialist would respond to any text, call or email anytime to answer any question or concerns we had. He worked hard to get us the lowest rate possible.”

Veterans United application process features

The table below shows some of Veterans United’s application process features:

Loan types

Veterans United provides VA purchase loans, VA cash-out refinancing and VA streamline refinancing, also known as interest rate reduction refinance loans (IRRRLs).

Veterans United’s VA cash-out refinance lets borrowers access their homes’ equity to pay for other expenses, while VA IRRRLs generally require less paperwork to complete and are faster than conventional refinances. They also typically come with fewer out-of-pocket costs.

Veterans United also says it offers other financing options for homebuyers, such as conventional loans, U.S. Department of Agriculture (USDA) loans and Federal Housing Administration (FHA) loans. However, it’s not transparent about the details of these loans. They might be handled by the lender’s partners rather than Veterans United itself.

Requirements

Not everyone is eligible for VA loans. To get a VA loan from Veterans United, you need to:

  • Meet eligibility requirements from the Department of Veterans Affairs
  • Have a valid Certificate of Eligibility (COE)
  • Satisfy the lender’s own requirements for borrowers

Note that certain types of discharges or active duty for training don't qualify.

Service requirements

According to Veterans United, you may be eligible for a VA loan if you meet one or more of the following criteria:

  • You’ve served 90 consecutive days of active service during wartime
  • You’ve served 181 days of active service during peacetime
  • You have six years of service in the National Guard or Reserves or you’ve served 90 days (at least 30 of them consecutively) under Title 32 orders

If you don’t meet these minimum service requirements, you may still be eligible. For example, spouses of service members who have died in the line of duty or as a result of a service-related disability can also qualify. Veterans United’s home loan specialists can help you check your eligibility and navigate your options.

Loan requirements

You also have to meet Veterans United’s mortgage loan requirements. It states that it typically looks for a minimum credit score of 620, which is similar to what other lenders require for VA loans. Loan approval also generally depends on your income, debt-to-income (DTI) ratio and other financial factors.

Need alternatives? Check out our guides on mortgage lenders, FHA lenders and USDA lenders to learn more about their requirements.

Cost and fees

VA loans tend to be more affordable than traditional mortgages because they generally don’t require down payments. They also don’t require private mortgage insurance (PMI), which can lower your total closing costs and monthly payments. 

However, Veterans United does charge other traditional mortgage fees, like origination fees, which typically are a flat 1% fee. You’ll also have to pay a one-time VA funding fee unless you’re exempt. This fee ranges from 0.5% to 3.3% of your home’s purchase price, though Veterans United states that most veterans typically pay 2.15%.

FAQ

Does Veterans United have an office in my area?

Veterans United offers branches in the following states:

  • Alabama
  • California
  • Colorado
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Kentucky
  • Nebraska
  • North Carolina
  • Oklahoma
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
  • Washington

You can use Veterans United’s online tools or contact its customer support if there’s no local office near you.

Is there a minimum credit score requirement?

Although VA loans don’t have a minimum credit score requirement, Veterans United generally looks for a minimum credit score of 620. This is in line with what other VA lenders require, though some lenders may accept lower credit scores. If your score is lower than this, or if you don’t have a credit history yet, Veterans United can work with you to help you improve or establish your score.

What is the maximum loan I can get with Veterans United?

Veterans United offers VA loans and VA jumbo loans, with borrowers potentially securing up to $1.3 million in high cost of living areas. However, there's no official VA loan maximum for eligible veterans with full entitlement. Your limit depends on your financial profile and the property's value.

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Veterans United Home Loans Reviews

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    How do I know I can trust these reviews about Veterans United?
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    Page 1 Reviews 0 - 35
    Punctuality & SpeedStaffResolution

    Reviewed Sept. 26, 2026

    Taylor ** and Michael ** as well! Everyone involved in us buying a home have been AMAZING in helping us, especially in the ending of the process, thought the stress and navigating troubles with the VA, their escalation team and everyone who has been involved in the entire process handled everything beautifully and as stress free as they could have. Everything within their control, even the underwriter as well has been wonderful. I would 100% 10/10 recommend you guys to anyone who is looking into buying a home or anything else Veterans United offers. The process was so much quicker than we anticipated. We thought it would take forever, and it didn’t!

    As soon as me and my husband got our documents uploaded, everyone jumped right in on it and got their hands working. We love you guys so much. Thank you for everything you’ve done. We love our new home so much! You’ve all been so helpful through everything and now we have somewhere to live in peace and raise our children. Thank you again! I hope y’all get the maximum raise you can, because you guys deserve every dollar.

    I hope that anyone who reads this understands we wouldn’t be where we are and going through such a process as we did if it wasn’t for you guys helping us along. Couldn’t have done it without y'all. We worked hard to get here, but you guys worked even harder to get us in here and for that we will be forever grateful. God bless you and God bless our troops and those who love and support them and help them. This is why we and you do these things. Thank you again. We love you guys and will be praying and thinking of y'all always. And thank you for the door sign and the glasses! They’re wonderful!

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    Customer ServiceStaffLoan ProcessTransparency

    Reviewed Sept. 26, 2026

    I can't say enough good things about my experience with Andy, my loan officer, and Rachel, my loan coordinator, at Veterans United. From the very beginning, Andy was professional, knowledgeable, responsive, and genuinely committed to helping me through the home loan process. He took the time to explain everything clearly, answer my questions, and make sure I understood what was happening every step of the way. I never felt like just another customer, Andy made me feel valued and cared about getting the best possible outcome for me.

    Rachel was equally amazing. She was incredibly organized, responsive, and helpful throughout the entire process. Whenever I had a question or needed clarification, Rachel was always there to help. She kept things moving, communicated updates clearly, and made what can be a stressful process feel much more manageable. Andy and Rachel made an outstanding team. Their communication, professionalism, patience, and dedication really stood out. They went above and beyond to make sure everything stayed on track, and I always felt that I was in good hands.

    Home buying/selling and refinancing can be overwhelming, but having the right people in your corner makes all the difference. Andy and Rachel absolutely delivered that experience. I'm extremely grateful for everything they did and would highly recommend Andy, Rachel, and Veterans United to any surviving spouse, active-duty service member, or veteran looking for a team that truly cares about its customers with genuine results. Thank you, Andy and Rachel, for making my experience such a positive one! You both were fantastic!

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      Customer ServiceStaffLoan Process

      Reviewed Aug. 20, 2026

      I had an outstanding experience with Veterans United, and I especially want to recognize Andrew **, Lora **, and Lliam for everything they did throughout the entire home-buying process. Andrew was there from the beginning, answering my questions, explaining every step, and making sure I understood exactly what was happening with my VA loan. He was always professional, patient, and easy to reach, which made a huge difference during what can be a pretty stressful process. Lora and Lliam were just as helpful. They kept everything moving, stayed on top of the details, and made sure I knew what was needed and what was coming next. Whenever I had a question or concern, I felt like I had a team behind me instead of just being another loan number.

      Buying a home is a big deal, and Veterans United made the process much easier than I expected. I truly appreciate the communication, professionalism, and personal attention that Andrew, Lora, and Lliam gave me. I would absolutely recommend Veterans United to any veteran looking to purchase a home. Thank you all for helping me get across the finish line and into my new home! 🇺🇸🏡 Five stars all the way! ⭐⭐⭐⭐⭐

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      StaffLoan Process

      Reviewed Aug. 7, 2026

      We truly could not have asked for a better loan officer than Miles! From the very beginning, he was incredibly patient, knowledgeable, charismatic, and just genuinely enjoyable to work with. Going through the mortgage process can be stressful and overwhelming, but Miles somehow managed to make the entire experience feel much easier and a lot less intimidating.

      One of the things we appreciated most about Miles was his patience. We had plenty of questions throughout the process, and not once did he ever make us feel like we were asking too much or bothering him. He always took the time to explain things in a way that made sense, walked us through what to expect, and made sure we felt comfortable before moving forward. That kind of patience and reassurance means so much when you are making one of the biggest financial decisions of your life.

      Beyond being great at his job, Miles has such a charismatic and personable personality that made working with him feel less like a business transaction and more like working with someone we had known for years. He was easy to talk to, always positive, and somehow knew how to keep things light even during the more stressful parts of the process. We genuinely looked forward to talking to him!

      What really stood out to us was that we never felt like we were simply another loan or another number. Miles made the experience personal, and we always felt like he genuinely cared about getting us across the finish line and into our new home. Having someone like that in your corner makes such a huge difference.

      We are incredibly grateful to Miles for all of his patience, guidance, and support throughout this journey. Buying a home is such an important milestone, and we will always remember the people who helped make it happen.

      If we ever decide to buy another home, there is absolutely no question that we will be reaching out to Miles again. We would recommend him without hesitation to our friends, family, or anyone looking for a loan officer they can trust. If you're fortunate enough to work with Miles, you are in great hands.

      Thank you, Miles, for everything you did for us and for helping make this experience such a positive and memorable one. We could not recommend you enough!

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      Customer ServicePricePunctuality & SpeedStaffLoan Process

      Reviewed Aug. 2, 2026

      Listen up, working in the military puts you at a faster pace. A lot of civilians don't understand our systems. Celena comes from a military family background, and she gets it. As a first sergeant in the Signal Corps with a high demand for efficiency and a can-do attitude, Celena's outstanding support saved me from getting so frustrated with the civilian systems' shortcomings. Bottom line up front (BLUF): She gets it, and she gets your item done. Use Celena’s services, save yourselves the headache, especially when you need attention to detail that will get your loan there. She may have a slightly higher charge than others; the charge is not comparable to the headache, and flash-bang other lenders promise you.

      Hey, I spent 26 years plus in the Army (be-all-you-can-be), and my troops respect and trust me. Be patient, send your documents, use nice words in your follow-ups, and she gets it done. Hey, this high speed got parents and grandparents in the military. She knows paperwork and understands that troops give a lot of their life and time to serve; that we deserve someone who listens; she listens and responds.

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      Reviewed Oct. 6, 2026

      Steven ** made buying my first home a stress free and easy process. I will be going back to him again for my next home. 10/10 for the whole process through Veterans United and Steven.

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      StaffLoan Process

      Reviewed Oct. 5, 2026

      The entire team was amazing. Between my loan concierge, Ms. Chasity **, ensuring that I understood the process to the coordinator, Mr. Aaron **, and his team, Zach, and Rachel. Every single member of my loan coordination team is without a doubt, the best at what they do. Zach and Aaron were extremely helpful in making sure I understood where we were at with the process at all times. If I could, I would invite my entire team and every staff member they worked with to a barbecue at my new home, if it weren't about to be winter near Canada. Seriously. 10/5 stars. Above and beyond exemplary service from the entire team.

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      Reviewed Oct. 4, 2026

      Everyone at VU was a pleasure to deal with. I feel they all did everything within their power to make my home buying experience the best it could be. VU gets my seal of approval!!! Thanks again.

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      Reviewed Oct. 4, 2026

      They made the process of buying a house easy and everyone I worked with were incredible. Thank you!

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      Reviewed Oct. 4, 2026

      I had no worries throughout this entire process. My team worked efficiently to get me to closing in 6 weeks timeframe.

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      Staff

      Reviewed Oct. 3, 2026

      The whole entire team from the start of the process all the way to the closing were AMAZING!!! It took a while to get me where I needed to be. It took me a while to find the right place. I was, at times, a lunatic. Yet they stuck by me the whole way. And they genuinely care. I cannot recommend them enough.

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      Sales & MarketingOnline & AppStaffRates

      Reviewed Oct. 2, 2026

      Robert and his team have been amazing. He answered all our questions and kept superb rate and discount tracking which made buying our home extremely smooth and less $$$ than we thought! The app is very nice completing task but could use adjustments with viewing documents. At least on my IPhone, the mobile view was weird and you can’t zoom in on the regular view. All in all great app!

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      Staff

      Reviewed Oct. 2, 2026

      Outstanding company that will work hard to assist you!

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      StaffLoan Process

      Reviewed Oct. 1, 2026

      Mary ** (NMLS #1926641) is a great loan officer, and I highly recommend her to anyone needing a home loan. She and her team were always ready to help. Best of all, Mary knew how to assemble the right team to assist me throughout the home-buying process. Thank you, Mary, James, Tyler, and Miles.

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      Reviewed Oct. 1, 2026

      Service was great! Easy to follow instructions… Great people. Ready to assist at anytime.

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      Reviewed Sept. 30, 2026

      We applied, got approved and had a house in 2 months. They handled everything. I felt they took all the work off us and really made the home buying experience easy. 10/10 would recommend to any service member.

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      Reviewed Sept. 29, 2026

      Great team overall, and they communicate well. Team did not hesitate to answer and questions we had to ensure we were making the right choices.

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      Punctuality & SpeedStaff

      Reviewed Sept. 29, 2026

      Jacob and his team went above and beyond, this was my first time buying a house and I couldn’t have asked for a better team by my side. I never felt alone throughout this process, I had so many questions many that I felt were useless or pointless but asked anyways and they never made me feel like they weren’t important and always answered them quickly! They ensured I had everything I needed and provided me with so much information that I would need throughout every step of the process! I have absolutely no complaints with them and if I ever move down the road I know exactly who I will be using! Jacob even texted me on his day off to congratulate me on closing! That just shows that this isn’t just a job for him and he truly loves what he does and cares about each and every one of us! That spoke volumes to me and I will never forget that! I truly can’t thank them enough!

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      Punctuality & SpeedStaff

      Reviewed Sept. 28, 2026

      This whole process was so smooth and quick. The entire team was excellent. Couldn't ask for anything better. Simply the best!!

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      Customer ServiceSales & MarketingPunctuality & SpeedOnline & AppStaff

      Reviewed Sept. 27, 2026

      Communication was prompt and professional. The app made getting all the paperwork in easy.

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      StaffLoan Process

      Reviewed Sept. 27, 2026

      Nick was an outstanding loan coordinator. He was attentive to our needs and even gave his time outside work to explain documents and help our family close on a home we love in just 21 days. We’re blessed to have worked with him and would recommend him to anyone.

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      Staff

      Reviewed Sept. 26, 2026

      Made my process very simple and easy. Helped me with every need I had.

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      Staff

      Reviewed Sept. 25, 2026

      Tyler was the best! I would recommend him and Veterans United 1000 times over. Thank you for all your help in getting us into our new home. We actually purchased a home that we were renting prior. The whole team has been the best in the process.

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      Customer Service

      Reviewed Sept. 25, 2026

      Always in constant communication which made the process easy. Hands down best experience and team. As a fist time home buyers I was expecting so much stress and frustration. They made it seem so easy!!

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      Customer ServiceStaff

      Reviewed Sept. 25, 2026

      Outstanding customer service. Great communication and seamless technology from start to finish. Very happy with our lender experience.

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      Staff

      Reviewed Sept. 25, 2026

      They were great! Everyone helped us and went out of their way to make the deal happen. Very attentive to what we wanted and for sure are closers.

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      Staff

      Reviewed Sept. 25, 2026

      10/10 experience from start to finish. My mortgage team was absolutely outstanding throughout the entire process. They were professional, knowledgeable, responsive, and always kept me informed about what was happening and what was needed from me. Buying a home can be stressful, but they made the process as smooth and straightforward as possible. Anytime I had a question or concern, someone was there with an answer and made sure I understood exactly where things stood. I truly appreciate all the work they put in behind the scenes to keep everything moving toward closing. I couldn't have asked for a better team to guide me through the home-buying process. I would absolutely recommend them to anyone looking to purchase a home. 10/10 — excellent service all around.

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      Staff

      Reviewed Sept. 25, 2026

      Outstanding team. Help me the entire way until house closed. Kept me informed every day on what was needed.

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      StaffLoan Process

      Reviewed Sept. 24, 2026

      Good team of people helping veterans secured a VA home loan.

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      Staff

      Reviewed Sept. 24, 2026

      Veterans United was a valuable partner and helped me get into a home when it seemed unlikely. Working with them to the closure date was in many ways seamless and flowed along even when difficulties popped up which they are prone to do. This is when the true test of an organization is put on full display. And they passed the test, thanks to the team for all they did to assist me.

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      StaffLoan Process

      Reviewed Sept. 22, 2026

      Mike ** and his staff at Veterans United were very easy to work with. Professional in what they do, friendly, and courteous. I would highly recommend Mike and his staff at VU for any Veteran looking into a VA home loan.

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      Staff

      Reviewed Sept. 16, 2026

      Wonderful experience. Great people. Very knowledgeable and kind. Kept my husband and myself informed throughout the process. They are exceptional.

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      Staff

      Reviewed Sept. 16, 2026

      They were very helpful, I had no idea what I was doing and they made it easy as possible. I was actually surprised by how they took me step by step with ease.

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      StaffLoan Process

      Reviewed Sept. 15, 2026

      This is my third time working with Veterans United, and Jake **. He was helpful every step of the way, and helped resolve any issues the came up. I would highly recommend Veterans United Home Loans. Jake ** is top tier.

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      StaffLoan Process

      Reviewed Sept. 14, 2026

      My wife and I had such a wonderful experience working with Veterans United from start to finish, As our loan officer, Shannon was very professional, responsive and made the entire process feel smooth, comfortable, and much less stressful than we expected. Our loan coordinator Matt always made sure we understood what was happening along the way and kept us informed. We truly felt supported throughout the process, and we are so grateful for the time and care they put into helping us. It was a great experience working with Shannon and Matt and their team and we would definitely recommend them to anyone looking to purchase a home with Veterans United.

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      Reviewed Sept. 14, 2026

      All the workers made this process super simple and easy especially being up in Alaska. I was very unsure but they erased all my doubts.

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      Customer ServiceStaff

      Reviewed Sept. 13, 2026

      Communication was great. Casey was very helpful throughout the whole process.

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      StaffLoan ProcessRates

      Reviewed Sept. 13, 2026

      My loan team was extremely patient, understanding, knowledgeable, and caring. They helped me build my credit and once I did gave me a good rate and the process was smooth.

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      Staff

      Reviewed Sept. 11, 2026

      The best decision I made was going with you guys. From day one to closing and beyond, they are still helping me to have healthy credit.

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      Punctuality & SpeedStaffLoan Process

      Reviewed Sept. 11, 2026

      Fast and Professional! VU, specifically my loan officer, Tansee, made sure I was fully aware of all requirements and made the process extremely smooth! Great for vets!

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      Veterans United Home Loans Company Information

      Company Name:
      Veterans United
      Website:
      www.veteransunited.com