
NewDay USA Reviews
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About NewDay USA
For more than 20 years, NewDay USA has provided VA-guaranteed home loans and refinancing options to residents of 43 states. The company prioritizes relationships with veterans and their families and strives to create a positive financial experience with each customer.
Visit www.newdayusa.com- Flexible loan terms
- Offers refinancing services
- Connects veterans with mortgage experts
- No online applications
- Not available in all states
NewDay USA Reviews
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Reviewed June 19, 2026
Had a good experience with refinancing. Not much hassle. Everything was explained in detail and my loan was approved and done in a few weeks. I received what I expected. Thank you! Ben was straightforward and squared away. I have my debts paid off and I’m saving over $2,000.
Reviewed June 19, 2026
Our Experience with Thomas was a very smooth and pleasant experience. I would recommend him to anyone that is looking for a great and knowledgeable individual to help. He always had the answers I needed to continue on with the process.
Reviewed May 27, 2026
Samuel ** was our loan officer and he was extremely courteous at all times and always took our calls when we called. My husband is a 100 percent disabled veteran who was a highly decorated helicopter pilot in the Vietnam War. He has many health issues now related to being a war veteran. He was in the army a total of 27 years counting his reserve time. From the get go I told Sam we hated to give up our 2.625 loan rate but we had to get the credit card debt off of us and we didn’t want extra cash out. I told him we would like the best rate possible and he quoted 6.99% rate and I asked him if that was with 1% origination and he said yes and didn’t say anything about four discount points also.
He ordered the appraisal and when we got the disclosure in the mail and saw the four discount points I immediately called him and told him we would in no way do this as this was gouging the veteran rather than trying to help the veteran. He had charged a total of $10,000 in points plus 1% origination so in essence New Day was charging us $12,500 to do this loan. I had never revealed to him up until this time that I was a retired loan officer and I told how that in all my career I had never charged a customer 4 points and a 1% origination fee that that was unheard of and totally gouging the borrower to the fullest. He said from the get go he would try to take it to the board and get us a lower rate if possible.
When I told him to haunt the loan tight then and as a matter of fact the termite man was at our door while I was on the phone with Sam and I told Sam I didn’t think he would want that expense if we were not going through with the loan so the termite man left. Sam said he would take the loan before the board and see what they could do. And get this, he was not even going to pay off our Belk card yet he was charging us $10,000 in points. I told him I was going to go back to our existing mortgage company and see what they could do. He asked me to get him a written estimate of what they could offer and he would see what the board could do. He called me back and said they would reduce the loan amount by $5,000 and pay off my Belk card and take off the $10,000 in points.
So you can see he was not trying to help the borrower by raising our loan amount to $250,000 and not even paying off our credit cards like we had requested but yet was charging us $10,000 in discount points. I don’t know if he just thought we were stupid and wouldn't notice is all I can figure. Also they were now going to raise our rate to 7.125% instead of giving us a better rate. He acted like that was good that they lowered the loan amount and were now going to pay off Belk and took off the discount points. After my husband and I discussed it we decided we were going to go with our existing mortgage company as we felt New Day was not really trying to help the veteran and they were going to give us a lower rate and pay off all our debts. Even though they were charging $7,000 which included the origination and points we were going to save about $100 on our monthly payment which was a lot we thought.
My husband is the one who does all the computer stuff and the other company’s application and disclosures were much harder to navigate through and he was getting really stressed out so I told him to stop and we would just go back to New Day. My husband has PTSD and I didn’t want him stressing over all this so I told the lady at New Rez that we were just going to have to stay with New Day and that we appreciated her trying to help us. So that’s when I called Sam back and I told him that is why we were coming back to New Day. I know this is a lengthy comment I feel like I needed to say all this.
Reviewed May 22, 2026
Our loan officer was Kyle **, couldn’t have asked for a nicer or more knowledgeable person to get us through this experience. He made this process seamless. We tried to get everything he asked of us in a timely manner. He was patient if it took us a bit more time. He made the whole process painless and worry free and made us feel like part of the new day USAfamily. We truly thought of him as a friend and not a loan officer. I would highly recommend him and NewDay to all of our family & veteran comrades, sincerely Preston &Gail **
Reviewed May 22, 2026
I could not have asked for a better contact person than Rylee **. She was absolutely the best, the experience went so smooth. New Day has been a blessing as a Vietnam veteran. It was nice to have someone show respect.
Reviewed May 18, 2026
It is a pleasure to write this review. Mr. Sean ** was my original contact with NewDay and he stayed with me through the entire process. Mr. ** was prompt, courteous, informative, and dependable. He was respectful of my time and made the whole process enjoyable! Most of all, Mr. ** was knowledgeable, as he helped us (my wife and I) work through any and all obstacles to secure our loan!
Reviewed May 18, 2026
The Loan Officer was fast, efficient and patient. Smoooth is the operative wood. I was approved for the loan and even helped getting a local Real estate Agent. I was helped get my verifications with guidance on what was the best way to verify my loan requirements.
Reviewed May 15, 2026
The process was easy, and people were great. In all, it seemed a pretty good system, and they seem to genuinely care about the people they deal with! So I would recommend NEWDAY USA to every veteran I know.
Reviewed May 15, 2026
As a first time home owner and veteran, I knew getting a home would be stressful, however I was pleasantly surprised that everything was smooth and clear. Having PTSD makes it hard to relax when dealing with all that goes into getting a home. Luckily I have been fortunate to have capable people assisting me with it all of it from start to finish.
Reviewed May 15, 2026
My original mortgage was with New Day and I recently refinanced for a lower rate. They made the process quite easy and lowered the VA rate by two percentage points. I highly recommend not only the company but the staff excels as well
Reviewed May 2, 2026
First of all, buying/refinancing a home is a horrible experience just because of the time it takes. However, Daniel and his team were fantastic. Daniel was great about communicating and answering any questions that came up. As a veteran I appreciate the opportunity to work with veteran run businesses. Thank you.
Reviewed May 1, 2026
During my experience with New Day, I have personally witnessed some of the best assistance that I haven’t witnessed in a very long time, from customer service to professionalism, and such dedication to getting you approved. They truly work for you!
Reviewed April 28, 2026
The truth is that I’m not sure why any of this was worth my time. I first spoke to the representative and he explained how they could pay off two high interest loans I have and leave me with 15 to 30 thousand dollars cash to do my home improvements after it was all said and done. The truth is that after it was all said and done, the house wasn’t worth much less than they had thought and at the end i now have a higher percentage rate and saved $200 total per month. One of the two loans was wrapped up into the new mortgage so raised the mortgage payment by 300 and removed the payment for that loan of 500 so saved me $200 per month. Honestly it was all kind of a wash. I kept asking about specifics but was told several times it would all makes sense in the end. Honestly it still doesn’t make sense. Someone made thousands of dollars off of this transaction but it sure wasn’t me.
Reviewed April 25, 2026
Everything went very smooth and quick. The representative was very knowledgeable and kept me informed throughout the process. Whenever I had a question he would get back to me in a timely manner. I would highly recommend Newday to any veteran.
Reviewed April 12, 2026
It was an easy process. The loan assistant wanted us to move fast and I told him I needed to slow down because he was making me nervous. Once he knew this he did so, he made me feel like I was making a safe move.
We are thrilled to know you had a positive experience with your representative. Thank you for allowing us to serve you!
Reviewed April 3, 2026
Thank you so much Kyle for taking care of us during our journey of purchasing our new home in Las Vegas. Kyle kept us up to date on everything weekly as the loan progressed. We, being a little older than some… Kyle was always so patient and kind when it involved computer knowledge and walked us through it. It’s been a pleasure. John & Bonnie **.
We are delighted that Kyle provided you with a professional and efficient experience. Congrats on your new home!

Reviewed March 30, 2026
This company advertises as a veteran loan financing bank. They also advertise that they specialize in processing loans for veterans with no so positive credit records. When my son tried to get a new home loan, there was a scar on his record from a car payment that was missed. Not only did they turn him down for a home loan, but they said come back and try again in 3 months. Upon retrying in 3 months, whomever he got that time said come back and try again in 12 months. He's trying to get a home loan to get him and his family out of living in an RV and NewDay definitely didn't live up to the expectations based on their advertising as being veteran friendly and serving the veteran community. Very disappointed.
We strive to assist the Veteran community with their home loan goals but also acknowledge that we must do so within the framework of the program guidelines. When extending credit to a borrower, we consider multiple factors related to the home, income, and financial history. We deeply regret that we were not able to offer financing for your son at this time.
Reviewed March 21, 2026
NewDay has always been great. The representative was in constant contact on a weekly basis, continually letting us know how things were going and updated us constantly. I would highly recommend New Day to any veteran with a positive message. Thank you!
Thank you for the 5-star review! Glad to hear that everything went well. We appreciate the recommendation.
Reviewed March 20, 2026
I reached out to NewDay USA about my interest in getting a refinance loan for my home. An agent contacted me. He answered all my questions about refinancing my home and discussed options that were available to me. Once I made my decision to move forward, he became my main contact through the entire process. It was a very efficient and seamless process. If you are a veteran and are looking for a home loan or refi. I highly recommend NewDay USA.
We are thrilled to know you had a positive experience with your account executive. hank you for sharing and for the recommendation!
Reviewed March 2, 2026
NewDay was amazing to work with. Julian stayed in touch with us and kept us up to date on everything that was going on. It was all handled quickly and closed way faster than we thought it would. Will recommend to anyone looking to refinance.
Our goal is to make sure our customers are informed throughout their loan process, and based on your review our team did just that! We're glad to hear we were able to provide you with such exceptional service. Thank you for your review and recommendations. We appreciate it!
Reviewed Feb. 23, 2026
New Day USA was great in helping me get an equity refinance loan. I was able to get my home repairs done. They guided me every step of the way and exeded my expections. I would like to than my team for everything they did for us. Thanks again!
We are honored that you choose New Day for your home loan needs. It is fantastic to hear that our team provided you with exemplary service every step of the way.
Reviewed Feb. 23, 2026
Ben ** was easy to work with. Ben ** answered all my questions and explained things easily for me and my wife. NewDay is the right fit for a veteran and their family! Thank you for helping a veteran and his family save their home!
It’s heartwarming to receive such positive feedback. We appreciate you sharing your experience. Thank you.
Reviewed Feb. 16, 2026
My review of the service provided to me in processing my loan was most excellent: it was timely, it was convenient, and it was delivered as promised. Your Representative, Andrew **, was courteous, considerate, patient in working with my daughter, who assisted me in the application process, and he was thorough in explaining the process, and keeping me informed of developments. I am most appreciative of your service to me and will recommend others to seek your company for home refinance services.
Thank you for the 5-star review and recommendations! We are happy that you had a great experience with Andrew and team.
Reviewed Feb. 6, 2026
Seems as though the customer service side of New Day has fallen. I had people show at my house that I was never notified would be coming, luckily, I was at home. I wasn't kept apprised of status and delays, and my questions asked often went unanswered, or had to be asked several times before I received the answer. You advertise on TV that YOU have decision-making authority on loans, yet I didn't not get disbursement of funds the way that I preferred because of underwriters and their approval or disapproval based on what they wanted, not me.
We are honored to be given the opportunity to assist you. We appreciate the feedback and we will use this information to review our processes for opportunity for improvement. Thank you.
Reviewed Feb. 3, 2026
The overall process was thorough and done in a timely manner. (approx. 60 days from application to checks issued). Throughout the process, system-generated emails were very redundant. This created confusion on what needed signed or returned. Being on the conservative side, we found this very wasteful of paper. Ben **, the rep. was always available when we had questions or concerns. Very easy to work with. The WFG Lender Services would not be our first pick for the closing agent. Some communication issues between what we were told by Ben and what actually took place with regards to the pay-offs. Only one loan was wired pay-off and the remaining pay-offs were in the form of checks that we had to deal with.
At the closing, when the Notary came and showed up, none of the numbers were what we had been told. The actual total loan amount had been increased by over $3,700. We would suggest sending the papers electronically to the borrower at least 24 hrs. in advance to avoid a big surprise. Not enough to cancel the process, but we had to phone Ben for clarity. Most closings would not continue at that point. The amounts on the paperwork did not match any amount that we had been shown for two property loans. The checks we received did not match anything for those two pay-offs. Overall, we are pleased with the end results and would recommend your company to our friends/family.
It was our team's pleasure to be of assistance during your home loan process. Thank you for sharing your feedback, both positive and constructive. This will help us identify areas for improvements. Ben will be reaching out to you to make sure he addresses any open questions. If you have any questions in the interim time, please feel free to contact us at customerservice@newdayusa.com.
Reviewed Jan. 23, 2026
We would like to Thank Joseph ** for such An awesome experience throughout our whole loan process with New Day. He was able to get us through quickly & efficiently from beginning to end. We would also like to thank the whole team who was involved to save us money by lowering our interest rate! I would highly recommend New Day to our Veterans who are seeking a loan, refinance or lower interest rate loan. We appreciate all of you!! Thank you? Travis & Kelly
We are thrilled that you had an outstanding experience with our team. Thank you for sharing your experience and for your recommendations!
Reviewed Jan. 5, 2026
I worked with John **, who provided outstanding service. He constantly kept me updated on the process. And, if I had questions, he responded quickly via a phone call or email. Even the holidays, he stayed in touch. The only slow down was when I attempted to set up autopay, that was delayed due to the loan info transfer to New Day. John stepped in and gave directions how to set it up. Thanks John!
Thank you so much for your amazing review! We are so happy to hear that John was able to make the home loan process as simple and understandable as possible. His attention to detail is what sets him apart here, and we are proud to have an individual like him as a member of our team.
Reviewed Jan. 5, 2026
I had the best Account Executive, Andrew **, and his team to process our mortgage loan with New Day. Andrew was very prompt, professional, courteous, helpful with explaining the process and answering questions we had. He made the whole loan process very smooth and timely. It was a pleasure working with him. I will highly recommend New Day USA to any fellow veterans I come in contact with that needs a mortgage loan.
There is nothing we love more than to receive feedback like yours. It is an honor for all of us here at NewDay USA to have opportunities to make a positive impact on the veteran community. Thank you for your kind words and recommendations!
Reviewed Jan. 5, 2026
John ** was utterly professional. Always keep me posted on what was going on. Very efficient and proficient. Called me daily to ensure I knew what was going on. I did not run into one snag to delay the process. Would recommend them to any veteran!
It is always amazing to receive recommendations from the Veterans we are so proud to be able to serve. John is an amazing part of our team, and we are happy to hear that he guided you through the process with ease.
Reviewed Dec. 18, 2025
I was considering refinancing my VA home loan with NewDay USA. But after reading all the negative reviews about long delays, hidden charges, and poor communication, I have decided to look elsewhere. Additionally, I strongly object to the constant phone calls and almost daily mail I receive from NewDay USA. I find their marketing intrusive and obnoxious - very SCAM-like.
Reviewed Dec. 17, 2025
Sohan was very professional, knowledgeable and stayed on top of the total process. Quality control issues on having the right numbers and info but Sohan caught it and resolved it quickly. He is an asset to your company. You have helped our family tremendously. Thank you.
Sohan is a valued part of our team, and we are very happy that he helped you throughout your home loan process. It is wonderful to hear that our team was able to provide you with excellent service.
Reviewed Dec. 12, 2025
Refinancing with NewDay USA has been the most successful, easiest and most pleasant experience I've ever had refinancing. Everyone involved in the process has been extremely professional and a pleasure to work with. Everything was completed quickly and easily. Thank you all for the opportunity to refinance with NewDay USA.
We are overjoyed to hear that our team was able to have such a positive impact on you throughout your refinance process. It is our honor to have the opportunity to serve customers like yourself with their home loan needs and feedback like yours always makes our day.
Reviewed Dec. 3, 2025
Excellent customer service from Gabriell **. She was professional, knowledgeable and responsive at every point in the process. When Gabby didn’t know the answer, she researched it until the issue was resolved. Gabby worked diligently whenever we had an issue to address.
It is outstanding to hear that you're experience with Gabrielle was so positive. She is one of our very best team members here at NewDay USA and we love to hear that provided outstanding customer service throughout your home loan process.
Reviewed Nov. 14, 2025
Our experience with NewDay USA has been excellent. I want to especially commend our loan officer, Jake **, for his outstanding performance, knowledge of mortgages, attention to detail, calm demeanor, and just overall friendly attitude. He helped us overcome challenges with ease. I would recommend Jake ** and NewDay USA to anyone.
Jake is a wonderful member of our team, and it is so great to hear that he provided you with support and outstanding experience throughout your loan process. We always aim to make our process as smooth and easy for the veterans we serve, and it is always rewarding to know that we were able to make a positive impact.
Reviewed Nov. 13, 2025
We had an outstanding representative set us up with this loan. Mr ** did an excellent job and I highly recommend this company to anyone looking to refinance home. The whole process was easy to understand and get done with the help we received from Mr **.
Thank you for sharing this wonderful experience with us during your home loan process! It brings us tremendous joy to know that our team exceeded your expectations throughout the entire process. We appreciate your kind words and recommendations.
Reviewed Nov. 11, 2025
I asked general questions and then was told that Newday USA didn't serve North Dakota. I couldn't find it in the listing of non serviced states so I am using a competitor. It was such a disappointment nonetheless.
We are unable to accept loan applications in North Dakota because we do not hold a license in the State. This information is disclosed on the licensing page of our website https://www.newdayusa.com/licensing and on our advertising materials. We appreciate the opportunity to provide respond to your concern. Please don't hesitate to contact us directly at customerservice@newdayusa.com for any additional questions.
Reviewed Nov. 7, 2025
It was the most helpful and enjoyable experience I ever had in getting my house refinanced. Newday USA came in a nick of time. The executive vice president for loans Sean **, was more than helpful and the way your company looks out for veterans is truly amazing. If had a choice, I work for you guys. Thank you again.
We are overjoyed to hear that you had such an amazing experience working with Sean and our team. Thank you for your continued faith in our ability to serve the Veteran Community and your recommendation.
Reviewed Nov. 4, 2025
It was a pleasure to work with Matt. He was knowledgeable and professional. He worked with me and answered all my questions. NewDay gave me a chance to get out of debt while adding less than my debt payments to my mortgage payment. The only thing that I should have paid attention to was how much I had to pay out of my refinance money. Either I didn't pay attention or I didn't understand. Matt explained why and how the cost of refi, and I had the opportunity to cancel, but the deal was worth it in the end.
Matt is one of our very best account executives and we are grateful to have him. We are overjoyed to hear that we were able to provide you with a professional and knowledgeable experience.
Reviewed Nov. 4, 2025
The personnel at New Day were helpful as well as patient. I believe that at no cause of their own VA took a longer time that usual to approve the loan. Ethan at New Day either took my calls or returned my calls and messages in a timely manner. I would recommend New Day to any veteran and feel they were the best in my home equity loan.
It is heartwarming to receive such positive feedback. We are happy to hear that you had a great experience with Ethan. Thank you for the recommendation and kind words!
Reviewed Oct. 25, 2025
I would like to give special thanks to Admiral Lynch for having a great financial organization like New Day to help veterans with their financial needs. As a retired Army veteran, I had accumulated debt on several high-interest rate credit cards after owning my home for over five years. Initially, my wife and I thought about selling the house and using the equity to pay off our credit cards. However, after speaking with a New Day representative over the phone. He offered me a way to not only refinance my home, but to pay-off high interest credit cards for me and my wife, while receiving a cash payout to complete upgrades to my home, to include possibly using a portion of the cash to take a vacation. I am very grateful for New Day and their professional staff. My financial agent Nolen ** was wonderful; he provided clear explanations of the loan process and us through the entire process. He and his team were always available to answer our questions.
Thank you sharing the wonderful experience you had with Nolan during your refinancing process. We always strive to represent the Admiral with outstanding professionalism, and we are so glad to hear that we were able to make a difference for you and your wife.
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