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, that specializes in VA purchase loans and refinancing. It has closed more VA home purchase loans by volume than any other lender for six years running (as of October 2021), according to federal lending statistics.

Pros
  • Specializes in VA loan programs
  • Available nationwide
  • Highly informative website
Cons
  • Not useful for other kinds of loans

Featured Reviews

El Paso, TX
Verified purchase
To be able to win a bid on a home, close, and move into it in less than 3 weeks is unbelievable. Veterans United helped with so much along the way, especially since I’m a first ti...

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Jacksonville, NC
Verified purchase
Third time buying a home with VU. Another great experience! My loan team worked with us to ensure we not only met our closing date but closed 9 days early! Communication was great...

Read more

Rates

Most VA loans are backed by the U.S. Department of Veterans Affairs, which allows lenders to offer lower rates than they otherwise would. Since 2019, Veterans United’s average home purchase interest rates have been consistently lower than the national average (0.15% lower in 2021). Just remember that rates vary, and your financial situation will affect what rates you qualify for.

Veterans United average home purchase interest rate vs. national average

Information pulled from public Home Mortgage Disclosure Act data. Rates reflect noncommercial home purchase loans only. *Based on industry reports.

Application process

You can apply for a mortgage from Veterans United online, in person or by phone, but the first step in getting a VA loan is making sure that you meet the eligibility criteria from the Department of Veterans Affairs.

From there, you can get preapproved for a loan through Veterans United. Your process from here on out 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 process is extremely easy and the team is very helpful. David, a ConsumerAffairs reviewer from Ozark, 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. 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 features

Loan types

Veterans United provides VA purchase loans, VA streamline refinancing (interest rate reduction refinance loans or “IRRRLs”) and VA cash-out refinancing.

The Veterans United website also says it offers other financing options for homebuyers, like USDA loans, FHA loans and traditional mortgages. 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.

Veterans United has published the statistics tabled below regarding its loans:

**Includes both purchase and refinance loans

Refinancing

Veterans United mostly focuses on VA purchase loans. However, in 2020, more of its loans were for refinancing than the previous year, likely due to the historically low interest rates during the pandemic. When interest rates are low, refinancing becomes a more attractive option since it can save many borrowers thousands of dollars over the course of their loans.

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

Veterans United purchase vs. refinancing loans by year***

*** As reported by Veterans United.

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
  • Certain types of discharges or active duty for training don't qualify.

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

  • You served 90 consecutive days of active service during wartime.
  • You served 181 days of active service during peacetime.
  • You have six years of service in the National Guard or Reserves.
  • You are the spouse of a service member who has died in the line of duty or as a result of a service-related disability.
  • Some post-1980 veterans must serve 24 continuous months.

If you don’t meet these minimum service requirements, you may still be eligible, though. (The VA’s criteria are more nuanced than the above guidelines provided by Veterans United.) One of its home loan specialists can help you navigate your options.

You also have to meet Veterans United’s mortgage loan requirements, which affect how much mortgage you can afford. While it doesn’t publicly list all its criteria, it recommends a minimum credit score of 620, which is slightly higher than some competitors. Loan approval also depends on your income, debt-to-income 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.

VA loans also don’t require private mortgage insurance (PMI), which can lower your total closing costs and monthly payments. (Conventional mortgages generally require this insurance until the homeowner has built up 20% equity.) However, Veterans United does charge other traditional mortgage fees, like application and origination fees.

With Veterans United, you’ll also have to pay a one-time VA funding fee unless you’re exempt. This fee ranges from 0.5% to 3.6% of your home’s purchase price, depending on the type of loan you need and if you've used a VA loan before. First-time VA loan users with no down payment typically pay a 2.3% funding fee.

FAQ

Is there a minimum credit score requirement?

Not necessarily, but Veterans United recommends a minimum credit score of 620.

Does Veterans United have an office in my area?

Veterans United services loans in all 50 states and offers online support for customers who don’t live near a physical branch. As of 2025, it has offices in 18 states:

States with branch locations: Alabama, California, Colorado, Florida, Georgia, Hawaii, Idaho, Illinois, Kentucky, Missouri, Nebraska, North Carolina, Oklahoma, South Carolina, Tennessee, Texas, Virginia and Washington.

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

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

Veterans United offers VA and VA jumbo loans, with borrowers potentially securing up to $1.5 million. 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. In 2025, loan limits for zero-down payments range up to $1,209,750 in high-cost areas.

Can I get a home equity loan with Veterans United?

Veterans United does not offer home equity loans or HELOCs, but you can refinance your loan with Veterans United.

Is Veterans United a trusted company?

Veterans United is highly regarded, with a 4.9 out of 5 rating from 1,674 reviews on ConsumerAffairs at the time of publishing. The company has earned a strong reputation for its customer service and commitment to helping veterans secure home loans.

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 - 5
    Customer ServiceStaffLoan Process

    Reviewed May 15, 2025

    Jordan ** didn’t just help me get a home — He helped me secure a future. ”I’m a veteran, and like many others, I’ve had my fair share of red tape, missed calls, and half-explained paperwork when it comes to anything involving a big system." But Jordan? Jordan flipped the script entirely. From day one, he treated this process like it mattered — like he wasn’t just helping me close a loan, but helping me make a life-defining decision. He answered every question before I even had to ask. He caught issues before they became problems. He respected my time, my goals, and my service. There was never a moment I felt like I was being “sold” anything. Instead, I felt guided — intelligently, respectfully, and efficiently.

    Jordan made sure I understood every step of the VA loan process. He even helped me identify ways to save money and make smarter long-term decisions, which speaks volumes about his character. When my family moves into this house, I’ll be thinking of the people who made it happen — and Jordan is absolutely at the top of that list. If you’re working with Veterans United and you get Jordan ** — consider yourself in the best possible hands. This wasn’t just a loan. This was a mission. And he delivered.

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      StaffLoan ProcessTransparency

      Reviewed April 11, 2025

      Alright so this is my 2nd time reviewing Veterans United, 2nd time working with Aaron **’s team, and 2nd time I don’t have enough words to say how amazing they are! This team is incredible and I would recommend them to any Veteran who is looking to purchase a home. I’ve personally recommended many friends to this organization since buying my first house in 2021. When they say they are there to help you, they are THERE! They kept me up to date throughout the entire process and made everything incredibly easy on me and my family.

      Heck, Aaron even made himself available on a random Saturday afternoon to ensure I was able to get a bid in on the house we just closed on. I don’t believe there is another organization who cares this much about military members and their families. When I joined the Army back in 2015 my wife and I would talk about finally having our forever home. With the help of VU, and Aaron and his team we did exactly that.

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      Customer ServiceStaffLoan ProcessTransparency

      Reviewed March 9, 2025

      Working with Veterans United Home Loans was an outstanding experience, and I can’t say enough good things about my amazing team: loan officer Ross Pierson, concierge Megan **, and loan coordinator Kristine **. From the very beginning, they went above and beyond to make my home buying journey smooth, stress free, and even enjoyable. Ross was incredibly professional, knowledgeable, and always quick to answer my questions with clear explanations. Megan provided exceptional support as a concierge, ensuring I had access to all the resources I needed and guiding me through each step with care and attention to detail.

      Kristine was equally amazing, keeping everything organized and on track while making the process feel seamless. Their teamwork, communication, and genuine dedication to helping me purchase my dream home were truly unmatched. They made a process that could have been overwhelming feel manageable and even exciting. Thanks to Ross, Megan, and Kristine, I was able to close on my new home without any issues, and I couldn’t be happier. I highly recommend Veterans United to any veteran looking to buy a home, this is a team you can trust to have your back every step of the way. Thank you all for making my dream a reality!

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      Customer ServiceStaffLoan Process

      Reviewed July 15, 2024

      I did not know what to expect when I received the recommendation to use Veteran's United to obtain a VA Home Loan. All of my hesitation went over the side when Daren and his team went above and beyond to help me accomplish my goal of living closer to my sons. After hearing my story about my first attempt to buy a home, they made sure I did not repeat any of the mistakes that prevented that attempt this time around. I would like to thank a few more people involve with this whole process. First, there is Eli **. Without Eli being on the ball with me throughout this whole processing ordeal, I would have missed little things that would have scuttled my mission. You made it possible to close on my home in 26 days. Thank you, Eli!! Second, Jay ** making himself available for any future changes to my homeowner's insurance is awesome! Your knowledge and expertise will come in very handy. Thank you, Jay!

      And finally, I'd like to thank Hope **. She is the real estate agent that sold me my new home. She was able to answer all my questions about the neighborhood and surrounding area, even some questions I did not think to ask. Her knowledge about the home was impeccable! If you are ever in the Mount Vernon, Illinois area looking to buy a home, I STRONGLY recommend you look her up at RE/MAX Elite. She knows her stuff!!! Without everyone's involvement, I would not have been able to accomplish my mission of living closer to my sons. THANK YOU!!!

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      Verified purchase
      Loan Process

      Reviewed June 14, 2024

      Overall the process was great. There were two things that I did not leave a 10 for.

      1. There was 5-6 days that it took to get in contact when we were trying to get moving on the house.

      2. Not knowing the final amount we needed until 6pm on Thursday when closing was at 10am on Friday was a big issue. I understand that we were able to make it work due to some other circumstances, but going through the remaining 3 weeks thinking it was going to be approximately 3.4k and then it changing to 6.5k the day before does not seem acceptable to me. If we had not had the available funs for that additional amount, we would have had less than 24 hours to work with a bank to take out a loan, or try and find a family friend/ or sell something in a small window to make up the difference.

      3. I also would have appreciated some amount of pushback as to whether or not we needed Flood Insurance since the previous owners were not carrying it. It felt like we were giving a lot of pushback but there was a lot of hoops and proof we needed to show to make that go away, but then it kind of just went away? I'm not sure if this was underwriting just changing their minds on second review or what happened there but I feel like that should have been looked into on initial look whether that was needed or not. These two issues reduced it from a 10 to a 9, but the rest was good. I appreciated giving us the leniency and trust as well as communicating with some resources for questions we had.

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      Staff

      Reviewed June 9, 2025

      Our family had been looking for a house and financing since August 2024. Tracy and her team made all possible with the most professional service I have ever had when buying. Thanks again Tracy and your team.

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      StaffLoan Process

      Reviewed June 9, 2025

      Veterans United made our dream of owning our first home a reality! As a military family, we felt truly supported every step of the way. Huge thanks to Lucas, our amazing loan officer, and Haley, our dedicated agent. They made the process smooth, stress-free, and even exciting! Everyone we worked with was professional, kind, and helpful. We’re so grateful to Veterans United and highly recommend them to any veteran or military family looking to buy a home!

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      StaffLoan Process

      Reviewed June 8, 2025

      We had a great experience with Veterans United. Emmett and his team were super helpful from start to finish. We were nervous trying a new VA lender but they far exceeded our expectations. Very thankful for their guidance with our loan. Emmett and Brit were both outstanding to work with.

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      Customer ServiceSales & MarketingPunctuality & SpeedStaffLoan Process

      Reviewed June 7, 2025

      Illegal Activities From Veterans United Home Loan: Hello, My mother and I moved only to buy not to rent however we have been bamboozled by one of the false fraudulent realtor, who directed us to her personal friend, who claimed to have the title and deed to the property in which he in fact til this day does not have in his possession! I paid "hand money" of $500.00 which he is now attempting to claim as his due to nefarious reasons of his own, stating I did not pay for the security system in this home, I lied about my financial income, and was late on rent. However, he is only making these claims after I paid him the total amount of $1200.00. In which was only withheld due to his negligence and not producing any proper paperwork of the deed in which he is not on.

      I spoke with the Counsel on record for the Condemnor: I was coerced into providing the Hand money, paying for an appraisal, and pest inspection, for a home that the seller does not have a deed to. We were misled and promised that it would only take 30 days for a deed so that we could continue on with the closing on this house. that 30 days then turned into 60 days, 60 days turned into 6 months. So now This realtor for Veterans United has been working alongside the seller, she's very nasty and rude to me on the phone today and hung up on me. This was after she told me that she doesn't want to be in the middle of this situation, when she is the sole reason why we are in this situation. I was told to vacate immediately and that I would be taken to court. I have paid a total amount of $7,200 in rent for a home I can't buy which was the whole reason for me moving here.

      This situation should be fully investigated and all fraud exposed. We will be moving forward with a lawsuit! Please advise all loan officers, coordinators, consultants, real estate agents, real estate companies, appraisers etc. This is now the second time we have been abused and defrauded while trying to obtain a home. The first incident involved negligence by the VA as well. We went through the entire process of paperwork submission, payments, pest inspections, appraisals, stolen hand money, and the absence of the Certificate of Eligibility that None of the coordinators coordinated properly.

      We will be connecting with Counsel on Monday to discuss further the Affidavit of Recording of Notice of Declaration of Taking filed on behalf of the Condemnor: Redevelopment Authority Of the City of Mckeesport. Civil Division No. GD-25-004839. I am requesting the sum of the appraisal I paid $625.00 to be returned immediately, because this home couldn't have passed inspection with the conditions of this backyard patio underneath the deck of this house being unfinished and having safety hazards to the disabled veteran. This past week we were told by Veterans United Home Loan team that we needed to reach out to him ASAP.

      My mother had to resubmit all the paperwork that was already submitted 6 months ago. She was berated and shamed because of a credit report that has been pulled many times since 2024, Told she could not acquire the home due to her low credit score. relator said we could close next week if we paid the rest of the rent by Friday in which I have All Texts and emails of such discussions. Only to be called today on Friday with realtor saying she has bad news and that we need to vacate the premises immediately.

      Relator has said in emails just as of a couple of days ago explaining how she is the liaison between ALL parties and her job is to aid US in the home buying experience and it has been nothing but Hell! She has only had the seller's best interest in mind throughout this whole entire process. I DID NOT seek seller out personally. We have only been introduced to him through Relator. A representative of Century 21 Fairways who holds my deposit to a home we cannot purchase.

      There has been intentionally misleading and intrusive negativity, Fraud, Deceitful Misconducts, third party lies, obtaining of a condemned property, illegal eviction, harassment, unaccepted accountability, missing paperwork, false statements, false promises of closing on a home, intent to deceive, coercion, false advertisement, unlawful contractual agreements, improper leasing agreements, forging of documents, pressure to make payments so seller can pay his taxes, invasion of credit history, inflicted abuse and pain and suffering to the very veteran who served this country! I will forward any and all correspondence, pictures, texts and receipts required for the investigation to be conducted immediately. And all payments that have been made for appraisals required by the VA along with any hand money being held by a third party, are requested to be returned

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      StaffLoan ProcessTransparency

      Reviewed June 5, 2025

      We used Veterans United Home Loans to purchase our first home, and the experience was outstanding from start to finish. As first time homebuyers, we were nervous about the process, but the team at Veterans United made everything easy to understand and walked us through each step with patience and clarity. Their professionalism, support, and dedication made the entire journey smooth and stress free.

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      Veterans United Home Loans Company Information

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