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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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    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 35
    Profile pic of the author.
    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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    StaffHonesty & Transparency

    Reviewed Aug. 10, 2026

    We made it to the finish line! A huge thank you to Lance and his entire team for helping us through this process. The weeks were long, and there were definitely moments that required patience, diligence, and a lot of trust in the process, but we are so thankful we had the team we did. Lance was patient with us, took the time to explain things when we had questions, and helped us understand each step along the way.

    I can't say the process came without a hiccup, because it did, but looking back now, I truly believe that hiccup brought everyone together and made us push even harder toward the finish line. Now that we are on the other side of it, I can honestly say I appreciate how everything came together. We are incredibly grateful for Lance and his team and all the work they put in to help us get into our new home. Thank you for helping us make it to the finish line! We truly appreciate you, and I look forward to continuing to do business with Lance and his team in the future!

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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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      Customer ServiceStaffLoan Process

      Reviewed July 16, 2026

      Jeff and the entire Veterans United team exceeded my expectations throughout one of the most complex refinance transactions I've ever been involved with. My loan required navigating multiple challenges, and there were times when it felt like every obstacle imaginable came up. Jeff and his team remained professional, responsive, patient, and solution-oriented from beginning to end.They consistently communicated with me, explained each step of the process, and never made me feel like I was just another loan number. Their persistence, expertise, and dedication ultimately helped me successfully refinance my home and keep a property that means a great deal to me.I especially want to thank Jeff for staying engaged throughout the entire process. He never gave up, always kept me informed, and worked hard to help me reach the finish line.

      The level of customer service and commitment I received made a stressful process much easier to navigate. If you're looking for a lender that genuinely works for you, communicates well, and stays committed even when the process gets complicated, I highly recommend Jeff and the Veterans United team. Thank you all for helping me achieve such an important milestone.

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      Reviewed Aug. 22, 2026

      Nathan was an absolute rockstar and felt like a trusted friend throughout the whole process. There were times I didn’t think it was going to happen and wanted to quit but Nathan consistently went above and beyond to ensure I had every chance at success in securing my new home. 100/5 Stars. Thanks Nathan, you’re a real one.

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      Verified purchase
      Staff

      Reviewed Aug. 20, 2026

      The team did a great job staying on top of things and helping with all the to-dos ensuring everything went smoothly.

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      Loan Process

      Reviewed Aug. 19, 2026

      I have used Veterans United to finance or refinance homes in the past, and I strongly encourage veterans to start here first. Nathan ** and his team get things done! When obstacles arise, they find the way forward. Save yourself stress and worry, let Nathan and his team handle your loan needs.

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      Staff

      Reviewed Aug. 18, 2026

      Chad and the team were good to work with. No issues experienced.

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      Staff

      Reviewed Aug. 17, 2026

      Everything was excellent. The paperwork was done properly.

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      Customer ServiceStaff

      Reviewed Aug. 17, 2026

      Outstanding service, customer courtesy, family oriented business, welcoming, friendly, and detailed oriented as well. Great Team, with a let's get it done vibe, attitude, and availability A++!!!

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      Staff

      Reviewed Aug. 16, 2026

      Worked with my team for over 8 months to secure the right home for us, and they were patient and helpful all along the way!

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      Customer ServicePunctuality & SpeedStaffLoan Process

      Reviewed Aug. 16, 2026

      The entire process with the Veterans United home loan program was beyond outstanding!! My loan officer Shane ** called me within 5 minutes after filling out my application on a Sunday weekend and got the ball rolling immediately, which foremost set the stage for getting me into my now proudly owned home in 35 days. The whole team was super friendly and prompt in all the departments. Far beyond my expectations working with the Veterans United Home Loan program in the Alabama/Mississippi location!

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      Staff

      Reviewed Aug. 16, 2026

      Veterans United is absolutely the best! I purchased my first home with them, and they supported me every step of the way. Alan **, Cierra **, and the entire team were incredibly professional, knowledgeable, and dedicated to making the process as smooth as possible. I’m truly grateful for their persistence, guidance, and support throughout my home-buying journey. I couldn’t have asked for a better team!

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      Staff

      Reviewed Aug. 16, 2026

      Levi and the team were super helpful, patient, and understanding throughout the entire process.

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      Staff

      Reviewed Aug. 15, 2026

      The team was simply outstanding. It’s like we got our own personal band rockstars. Awesome work from everyone involved in making our dream a reality.

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      Staff

      Reviewed Aug. 15, 2026

      Veterans United truly changed my life, and I am incredibly grateful to Andrew and his entire team. My journey had a few patches that needed ironing out, but what matters most to me is that they continued working toward the goal and ultimately helped make homeownership a reality for me. As a Veteran, being able to purchase my new home means more than I can put into words. Thank you, Andrew and team, for counting me in, working through the challenges, and helping me reach this milestone. I will always be grateful. 🇺🇸🏡❤️

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      Reviewed Aug. 15, 2026

      Whole process went smooth. Good job ladies and gents.

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      Customer ServiceSales & MarketingOnline & AppStaffEase of UseTransparency

      Reviewed Aug. 15, 2026

      Working with Veterans United was a great experience the entire way. From the start, Reed was very friendly, passionate about with veterans, and flexible enough to work with my wife and I who in two different time zones. He was very responsive to any questions we had and made sure to find time for calls if we were looking for a detailed explanation. We ended up walking away from the first house but closed on the second, it was an easy transition. And we were even able to close earlier than expected. The app is easy to use and keeps this organized. Overall 10/10.

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      Staff

      Reviewed Aug. 14, 2026

      I had an excellent experience with Veterans United. They help me purchase the the home of my dreams and I appreciate every last one of them.

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      Staff

      Reviewed Aug. 14, 2026

      We worked with Nick **’s and his team, and they are phenomenal! So easy to work with, knowledgeable, and responsive. We are extremely happy repeat customers!

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      Staff

      Reviewed Aug. 13, 2026

      The whole team at Veterans United were outstanding.

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      Staff

      Reviewed Aug. 10, 2026

      Molly and the team did a great job, kept me on task, and made the whole process very easy on me. Thanks.

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      Staff

      Reviewed Aug. 10, 2026

      Staff were knowledgeable and thorough. They communicated well and kept me informed as to progress.

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      Punctuality & SpeedStaffHonesty & Transparency

      Reviewed Aug. 9, 2026

      To be quite honest, I was totally blown away by the team that worked my house purchase project. I had a bad experience with the original real estate agent, a problem that was quickly resolved, without question. From the moment I was assigned to Samantha, all the negative feelings evaporated. She was absolutely brilliant in what she did. She guided me through the process without complaint, giving me enough information to soothe the savage beast within me, and she answered my questions with professional competence, fully and without exasperation, even when my own questioning got a bit sideways. At no time, at all, did I ever wonder about the team. Not one moment, which for me, is unusual. I give them and the entire VU organisation my highest marks!

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      CoveragePriceStaff

      Reviewed Aug. 8, 2026

      Amy ** and her team were helpful throughout the process. She communicated regularly and helped keep us on track. I was not expecting all the extra helpful things that Veterans united offered including helping us find the most affordable insurance and bundling options with that. Thank you for all your team did to help us.

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      Staff

      Reviewed Aug. 7, 2026

      I started my home buying experience with a different lender and it was a nightmare.. Jordan and his team came in and absolutely bent over backwards to help us, and just over a month got me cleared, approved and closed on our forever home.

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      Staff

      Reviewed Aug. 7, 2026

      Professional, courteous, and patient. I was a first time home buyer and was very nervous of the whole ordeal. My team did the best to help qualm my nerves and re-assure me throughout the process.

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      Reviewed Aug. 6, 2026

      It was so streamlined that even the Realtors were impressed. I was in my home in one month. Best decision I have ever made.

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      Staff

      Reviewed Aug. 5, 2026

      Everyone on the team has been incredibly helpful and informative. This is my third time using Veterans United for purchasing a home, and I'm once again reminded of how exceptional their service is. Everyone is personable, and I never once had to worry about something not being taken care of before closing day.

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      StaffLoan Process

      Reviewed Aug. 5, 2026

      Travis ** was very helpful with getting our loan through. I have used this company before and I would use them again. The whole group of people that work there do a very good job with making sure everything is done correctly.

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      Reviewed Aug. 5, 2026

      Third time using VA, reliable, predictable and efficient.

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      Customer ServiceStaff

      Reviewed Aug. 4, 2026

      Very responsive, good communication, Veteran advocate, great online system for document uploads and downloads.

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      StaffLoan Process

      Reviewed Aug. 3, 2026

      Veterans United made the homebuying process clear, organized, and manageable from start to finish. My loan officer, Landon **, was professional, responsive, and willing to answer my questions throughout the process. He kept me informed, explained the financial documents and closing requirements, and helped ensure everything remained on track. As a retired veteran, I appreciated working with a company that understands VA loans and the unique needs of veterans. The entire team treated me with respect and made me feel supported during an important financial decision. I would recommend Veterans United to other veterans and military families looking for knowledgeable and dependable assistance with purchasing a home.

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      Customer ServiceStaffRatesTransparency

      Reviewed Aug. 3, 2026

      I had a great experience working with Veterans United. The entire process was smooth, efficient, and they truly worked together to help me achieve homeownership. Cory ** went above and beyond to get me approved and ultimately locked in the best interest rate possible based on my credit. I really appreciated his hard work and dedication throughout the process. The only area I think could be improved is communication. I would have liked a few more updates on where we were in the process, as it would have helped me feel more informed. Aside from that minor issue, everything went very smoothly, and I would definitely recommend Veterans United to anyone looking to buy a home.

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      Customer Service

      Reviewed Aug. 3, 2026

      It was an absolute pleasure working with my whole team!!! I felt a part of the family from the first phone call with Randelle, all the way through the final “to-do” and see “Cleared to Close”!!!

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      Punctuality & SpeedStaff

      Reviewed Aug. 2, 2026

      Veterans United are true professional. They helped me close my home in a quick and efficient manner. They were super responsive and helpful on every step.

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      Staff

      Reviewed Aug. 2, 2026

      The whole team helped us every step of the way. We had a few bumps in the road but was helped to overcome. My wife and I both are very thankful and we now own our forever home. Thank you once again.

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      Reviewed July 31, 2026

      Great working with Madison and Sarah they did a great job from start to finish.

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      Verified purchase
      StaffLoan Process

      Reviewed July 31, 2026

      Veterans United is a great company that truly knows how to help us achieve homeownership. The team was professional, supportive, and committed throughout the entire process. Our loan officer stayed engaged and worked to move the process forward despite several complex conditions. They guided us step by step and worked hard to help us successfully close on our home. We are very grateful for their assistance and would gladly recommend them to other Veterans looking to buy a home. Choosing Veterans United Home Loans helped make our dream a reality.

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      Veterans United Home Loans Company Information

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