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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    Page 1 Reviews 0 - 5
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    Customer ServicePricePunctuality & SpeedStaffLoan ProcessRatesTimeliness

    Reviewed Feb. 26, 2026

    I had a choice of companies to service my VA Refi need. ChatGPT suggested Navy Federal for perhaps a better rate and Veterans United for better customer service. I explored both options for a bit but quickly ran into obstacles with NF, including slow response to emails, getting a different person on the phone each time I called, requiring I open a NF bank account before they even talked to me, and a general sense of confusion (they explained by saying they were so popular that they were inundated with clients.).

    From my initial call to VU Megan ** was assigned as my loan officer. EVERYTHING I had to do was coordinated through her. EVERYTHING was explained, on time, made sense, and facilitated the complicated process. This was nothing short of first class concierge treatment, the kind rarely experienced in any format. No bots, no hand-offs, no excuses - just straight talk and professionalism. When the application was complete, Loan Officer Kristine ** similarly ushered me through the signing process which occurred in my home. Oh, I should mention that costs were comparable to NF (ChatGPT got that wrong.). Thank you Veterans United, thank you Megan **, and thank you Kristine **...you guys ROCK!

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Jan. 5, 2026

    My experience with Veterans United was genuinely one of the smoothest and most positive I’ve had in any major life process. From the very beginning, everything felt organized, clear, and well communicated. I knew what to expect, when to expect it, and there were no surprises along the way. That alone takes a lot of stress out of buying a home, and it set the tone for the entire experience. What really stood out to me, though, was the human side of it all. Even with today’s technology and systems, this never felt cold or mechanical. I felt supported by real people who cared, listened, and were invested in helping me succeed. That personal touch made a huge difference, especially during moments where nerves or self-doubt can creep in.

    The entire process moved efficiently because everyone worked well together, including me. Communication was timely, questions were answered quickly, and things were handled without unnecessary delays. It’s rare for something this big to come together as smoothly as this did, and I truly appreciated that. I was able to find exactly what I was looking for, well within my budget, and the financing was handled without issue. Having bought and sold multiple properties in the past, I can confidently say this experience stood out in the best way. I’m very happy, grateful, and excited moving forward. Veterans United made me feel taken care of and in good hands, and I’m thankful for the experience from start to finish.

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      Customer ServiceSales & MarketingPunctuality & SpeedStaffLoan ProcessRatesTransparency

      Reviewed Oct. 15, 2025

      From start to finish, Veterans United went above and beyond every expectation I had. As a veteran, I've worked with plenty of companies that say they care about service members, but Veterans United truly shows it. The entire process was smooth, transparent, and completely stress-free, even when things got complex. My loan officer and the entire team treated me like family, not just another number in the system. They took the time to explain every step, answered every question (no matter how small), and made sure I always understood what was happening. Their communication was lightning fast, texts, emails, or calls, I always got a clear, kind response. What really stood out was their deep understanding of VA loans. They knew the ins and outs better than anyone else, and it made me feel completely confident in every decision. I never felt pressured or rushed; they genuinely cared about getting me the best possible deal.

      When closing day came, I wasn't stressed, I was excited. Veterans United made that possible. They even sent small touches of appreciation that reminded me why they're so highly rated. If you're a veteran or active-duty service member thinking about buying a home, do yourself a favor: go with Veterans United. They've earned every bit of their reputation for excellence.

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      StaffRates

      Reviewed Aug. 5, 2025

      While writing this review, it still feels surreal that I am a home owner along with my family. There are not enough words to describe this journey and process toward purchasing a home. My family and I started this Wonderful journey over a year ago. I've choose Veterans United not only because I read reviews but because there are the best in the industry when it comes to helping out veterans. I am now part of that growing community.

      My experience with Veterans United has been interesting and fulfilling at the same time. Interesting because you can see the progress of the paper work you have submitted and how everything comes together from beginning to end. Of course, it is fulfilling once you offer gets accepted , to closing and signing the final paperwork to receiving your keys to move in. We must not forget how we got to the finish line. I had an amazing and Wonderful team that guide me through the process. The team consisted of Rich, Lora, Joedi, Gabriele and the behind the scenes team from Veterans United.

      I would like to give a shout out especially of course to Rich for being patient with me since day one and understanding not only my needs but the needs of my family. I was able to understand more Rich when we were deep in the process and yes, he is calm, cool and collective and when he is going to tell you he will get you to the promise land, he means it. I am a prove of that. My file was complex and the team that was assigned to me got me there. Thank you VETERANS UNITED.

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      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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      Verified purchase
      StaffLoan ProcessTransparency

      Reviewed March 10, 2026

      Veterans United made my entire experience smooth and easy. I have many friends and colleagues that tell me that buying a home is a stressful experience but Connor ** and the rest of the team made my experience stress-free and easy! Connor took care of the VA loan for me, I didn’t need to apply for it through the VA which was great for me because all veterans know that dealing with the VA is a stressful process but I didn’t even have to do that! Connor would contact me frequently to give me updates about the process and he assured to answer all of my questions. Connor was also available for me anytime that I needed to answer questions and fulfill any request that I wanted with my loan. Overall, I would recommend any service member to use Veterans United to utilize their VA loan.

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      Punctuality & Speed

      Reviewed March 7, 2026

      Oh man, if you can follow the To-Do list as quickly as possible, you can own your home in less than 3 weeks. What a great company, with the most respectful, wonderful people that will take a few minutes and listen to whatever is on your mind. Just as if they were old friends in a catch-up conversation. God bless the VA and this company of great people!

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      Verified purchase
      Staff

      Reviewed March 7, 2026

      This was my first time purchasing a home, and I really didn’t know enough about the process. The wonderful people at Veterans United guided me every step of the way. They made sure I was informed, they happily answered every question I had (I had A LOT of questions), and I felt supported through the entire process.

      Thanks to them, I was able to find a wonderful home for me and my family! I could not have hoped for a better team of people to assist me through this experience! Thank You Veterans United!!

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      Customer Service

      Reviewed March 6, 2026

      Steve with Veterans United was the absolute best! I had zero issues and was able to close within 16 days because of how on the ball he was. Seriously anytime I texted or called he was right there with an answer and was to explain in such a reassuring way. I can not recommend veterans united enough! That was such a smooth and easy process I would do it again!

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      Staff

      Reviewed March 6, 2026

      The whole team was amazing from the start! As soon as I did a short inquiry, VU reached out and started rolling the process. It really was a painless and seamless experience! This was by far the easiest home purchase my family has experienced.

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      Veterans United Home Loans Company Information

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