Veterans United Home Loans Reviews

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.

» MORE: Current mortgage rates — check today’s rates

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:

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.

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.

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%.