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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
Pros
  • Flexible loan terms
  • Offers refinancing services
  • Connects veterans with mortgage experts
Cons
  • No online applications
  • Not available in all states

Helpful Reviews

Appleton, WI
Verified purchase
I had a very positive experience working with NewDay. The entire process was smooth, straightforward, and well-organized from start to finish, which made what can often feel like ...

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IL
Verified purchase
I worked with Dylan on my New Day USA VA loan. It was the smoothest, quickest home buy I have ever had! 30 days from offer to close! I am impressed and highly recommend this team!...

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What is NewDay USA?

NewDay USA focuses on two primary aspects of the mortgage process: purchasing and refinancing. It works with veterans and their families to make buying a home easy and affordable. NewDay USA offers step-by-step guides to help you understand all your lending and refinancing options.

NewDay USA refinancing

Financing your home can help you lower your mortgage payment, pay off your loan faster or eliminate the need for mortgage insurance.

The VA Streamline Loan is a popular option because it does not require income verification and does not come with appraisal costs, out of pocket costs or private mortgage insurance. With this option, many veterans and their families can save more than $1,800 a year.

The company’s refinance calculator helps estimate your principal or monthly payments. This easy-to-use feature lets you determine how much you can save by refinancing your mortgage.

NewDay USA homebuying

NewDay USA strives to help veterans become homeowners and works to find ways for veterans and their families to afford purchasing a new home.

Veterans can become cash buyer-certified through NewDay USA. This certification confirms that you’re an eligible buyer and lets you shop for new homes without worrying about being underqualified, which saves time in the homebuying process.

The company’s purchase price calculator helps you determine a home price in your budget, down payment amounts, loan terms and interest rates. NewDay USA connects veterans with mortgage experts to further narrow their options.

NewDay USA rates

Mortgage rates change frequently, so it’s a good idea to compare rates between multiple companies before signing any contracts. VA loan rates are not set by the Department of Veterans Affairs or the federal government.

When a veteran, service member or surviving spouse receives a VA-backed loan, they’re charged a one-time VA funding fee that ranges from 1.4% to 3.6%. This keeps the costs of loans low for all borrowers. The fee varies based on the type of loan you require, your payment terms and whether you’ve received a VA loan before.

Veterans can borrow up to $453,100 without the need for a down payment.

NewDay USA FAQ

Is NewDay USA only for veterans?

Yes. NewDay USA provides options for veterans, service members and military families.

What does NewDay USA do?

NewDay USA provides VA Loans and FHA loans for veterans. The company connects veterans with mortgage experts for a personalized mortgage experience.

Who is eligible for a VA loan?

According to the company’s website, you are eligible for a VA loan if you are:

  • An active-duty service member
  • A veteran with an honorable discharge
  • A reservist or National Guard member with an honorable discharge and sufficient time served
  • The surviving spouse of an eligible deceased veteran
  • The spouse of an MIA/POW service member
Can a spouse of a veteran apply for a VA loan?

Yes. A spouse of a veteran can apply for a VA loan if they are:

  • A non-remarried surviving spouse of a veteran or service member who died in service or from a service-related disability
  • A spouse of a service member who is missing in action or a prisoner of war for the last 90 days
  • A surviving spouse of a veteran who was rated totally disabled and was eligible for disability compensation at the time of death from any cause

Still have questions?

Is NewDay USA legit?

NewDay USA has a specific audience. The company provides VA loans and FHA loans, but it does not serve all states. For those who are eligible, NewDay USA offers personalized service and multiple options for purchasing or refinancing a home. If you’re a veteran or qualifying spouse, we recommend looking into NewDay USA’s services when comparing mortgage lenders.

NewDay USA Reviews

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    2 featured reviews
    How do I know I can trust these reviews about NewDay USA (NMLS #1043)?
    • 4,967,059 reviews on ConsumerAffairs are verified.
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    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 35
    Verified purchase
    CoverageStaffLoan Process

    Reviewed Sept. 13, 2026

    Hello, my account specialist was Kameron **. He did an outstanding job helping me get through the loan process. That process can be frustrating at times when underwriting needed additional information and documents regularly. I tried to send info and documents to Kameron efficiently and he sent them to underwriting efficiently. I thought we worked well together and once again Kameron did an outstanding job. There was a glitch in the final part of our process.

    My wife and I closed our loan on Tuesday August 25 and I know the signed documents were sent back that same afternoon. We were first told we might receive the loan by Friday August 28 by direct deposit. Then we were told the loan would fund on Monday August 31. Then we were told there was a glitch in the funding process on that Monday. Then we were told we would receive a check one day that week 8/31 - 9/4. That didn't happen. Finally, on September 9 the loan was funded by direct deposit. That is 15 days after closing. My wife and I are happy we received the loan and went with NewDay USA. Thank you, Hunter

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    NewDay USA
    Response from NewDay USA

    Thank you for your review and the feedback regarding your experience. We pride ourselves in great customer service and will look into changes that may be made to improve our process. We appreciate your business.

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      Verified purchase
      Staff

      Reviewed Aug. 24, 2026

      I've read reviews about New Day USA. Some were good and some bad, the good outweighed the bad. If I may I would like to take it a step above and give a GREAT!!. Yes great service from start to finish. The two young men Ryan and Logan from West Palm Beach, Fl. I've dealt with a number of representatives from different companies. Without a doubt these two were kind, considerate, knowledgeable, so much more. GREAT!! Thank you and them for making our life's a little more livable..

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      NewDay USA
      Response from NewDay USA

      Thank you for the GREAT review! We are happy that you gave NewDay a chance and that our service met your expectations.

      Verified purchase
      Customer ServicePricePunctuality & SpeedBilling

      Reviewed Aug. 21, 2026

      There were some delays with getting the termite inspection and C100 done, then due to miscommunication with Rocket Pest control, then after the inspection was completed, Jim had to get involved with getting the C100 form submitted. Then delays with the closing due to illness on lawyer's end, which made everything later and Richard got late notice emails everyday and then the payment which we always paid of the first business day of each month went past the 15th, so were told we would be charged late fees, don't think that happened. The lawyer and witness were very nice and efficient. Overall the experience ended well and Jim went out of his way to get things done for us. He was good to work with. Thank you.

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      NewDay USA
      Response from NewDay USA

      Thank you for your review. We apologize for any inconvenience that you experienced during the process. We appreciate your business.

      Profile pic of the author.
      Customer ServiceStaff

      Reviewed Aug. 21, 2026

      Our experience with NewDay USA was an answer to our prayers. We are trying to be debt free and one day a commercial came on Fox News talking about how NewDay USA could help veterans work toward being debt free. I turned to my husband and said you are a veteran let us go ahead and see if this would work for us. I called and was directed immediately to a great representative. We decided right away that this would be the journey for us to travel. Our representative’s name is Sean Wacker and he directed us through the process with great finesse making sure I was able to get all the documents needed to complete our consolidation with a little left over for upgrading our home. We did all this to make it simple for our sons if we were to suddenly expire. Thank you, Sean for standing with us and making our experience a great one!

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      NewDay USA
      Response from NewDay USA

      Thank you for the 5-star review! We are grateful that you chose NewDay for your financial needs and that we were able to provide a solution that helped your family.

      Verified purchase
      Customer ServiceStaffBillingLoan Process

      Reviewed Aug. 14, 2026

      As a returning veteran-customer, I knew what to expect from NewDay. From the first US Mail correspondence I received, it started my mind rolling with a new mortgage offer. I started the new process of securing funding that met the financial needs with a cash-out offer to pay medical bills and construction loans for upgrading our home to ADA standards following a permanent disability. Of course, as a US Navy veteran, it helped considerably with the endorsement of RADM Lynch (Retired). The full process of qualification to funding was completed by professional and personal loan officers who made themselves available by phone and email with almost "instantaneous" responses.

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      NewDay USA
      Response from NewDay USA

      Thank you for the great review! We appreciate so much that you are a returning customer and have trusted us with your financial needs.

      Verified purchase
      Staff

      Reviewed Sept. 16, 2026

      We had a smooth transaction with New Day USA. James ** has been helpful and patient with our questions and needs while navigating through the process. I would highly recommend New Day USA and James ** as your financing needs. Thank you New Day USA.

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      NewDay USA
      Response from NewDay USA

      Thank you for the 5-star review of your experience with James. We appreciate our customer and your business. We also love referrals.

      Verified purchase
      Staff

      Reviewed Sept. 14, 2026

      Jeff did a great job in explaining process. From beginning to end he stayed attentive. Appreciate his help.

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      NewDay USA
      Response from NewDay USA

      Thank you for your 5-star review. We appreciate your feedback and business.

      Verified purchase
      Customer ServiceStaff

      Reviewed Sept. 11, 2026

      Everything was great. We were treated well and the information was very helpful as well and the agents were very friendly and helpful with us and all calls were returned if we needed to speak with them about anything

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      NewDay USA
      Response from NewDay USA

      Thank you so much for your review. We appreciate the 5-stars and are glad that you had a great experience with us.

      Verified purchase
      Punctuality & SpeedStaffLoan Process

      Reviewed Sept. 8, 2026

      The process was easy and Destinee was professional with all interactions. The only problem was at finalizing the loan to close. You should not wait until the end to finalize and request the end of collecting all the banking documents. Very stressful especially completing at the end!

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      NewDay USA
      Response from NewDay USA

      Thank you for the 5-star review and the feedback on your experience. We will take this back to our team to review for process improvements.

      Verified purchase
      Customer ServiceStaff

      Reviewed Sept. 5, 2026

      Awesome customer service by ALL parties involved. Abby was most impressive and provided outstanding and timely responses.

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      NewDay USA
      Response from NewDay USA

      Thank you for the great review. Abby is one of our top Account Executives, and we appreciate the feedback about your experience.

      Verified purchase
      Loan Process

      Reviewed Sept. 5, 2026

      We had such a wonderful experience working with Andrew **. He kept us informed every step of the way. He reached out to us even when there wasn't any new information, just to let us know his team was working on our loan and things were all in order. This was the best experience we've ever had applying for and all the way to the closing of our loan. Thank you all so much!

      Thanks for your vote!
      NewDay USA
      Response from NewDay USA

      Thank you for the great review about your experience with Andrew. We are glad that he was able to assist you with your mortgage loan needs and we appreciate your business.

      Verified purchase

      Reviewed Sept. 4, 2026

      Only the best work there. I don't think anybody could have got us approved except New Day. Personal touch was there from the beginning. I felt like Andrew was on my team, working for me non stop. Just the best place for veterans to get their house. Thank you new day.

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      NewDay USA
      Response from NewDay USA

      Thank you so much for your kind words about your experience with NewDay. We appreciate your business.

      Verified purchase
      Customer ServiceStaffTransparency

      Reviewed Sept. 4, 2026

      I cannot recommend Colby ** New Day USA enough! From our very first consultation, they were transparent, professional, and incredibly responsive. Colby took the time to understand our financial situation. Communication was top-notch at every stage, keeping us updated and putting our minds at ease right up until closing day. If you need a trustworthy mortgage expert, look no further!" Thank you Colby.

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      NewDay USA
      Response from NewDay USA

      Thank you for your feedback about your experience with Colby. We really appreciate your business and the 5-star review.

      Verified purchase
      StaffRates

      Reviewed Sept. 4, 2026

      I was particularly impressed with the professionalism and technical expertise of Ian **. He truly placed my interests first.

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      NewDay USA
      Response from NewDay USA

      Thank you for the 5-star review. We appreciate it!

      Verified purchase
      Staff

      Reviewed Sept. 3, 2026

      Nicolas ** was outstanding! It was obvious that Nico was well informed and very knowledgeable. Nico took the time to answer all our questions of which there were many. Nico is an important asset to your company. We wish him well in his future. Thank you again.

      Thanks for your vote!
      NewDay USA
      Response from NewDay USA

      Thank you so much for the review and the feedback. We pride ourselves on our customer service and we are glad that your experience was good!

      Verified purchase
      StaffLoan Process

      Reviewed Sept. 2, 2026

      I was able to achieve my goal of receiving a cash out refinance on my property to payoff auto and RV loans. The process was simple and we were treated with respect. Our contact agent stayed on top of everything and kept us informed throughout the process. We are pleased with the outcome.

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      NewDay USA
      Response from NewDay USA

      Thank you for the 5-star review. We appreciate your business and are glad that we were able to assist with your refinancing needs.

      Verified purchase
      Customer ServiceStaffTransparency

      Reviewed Aug. 31, 2026

      Our experience with New Day was all 10s. Cody the young man we were working with was very helpful. Any questions we had, he was there to answer. He always called on Friday evening with updates, even when there were no updates. What a pleasant experience.

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      NewDay USA
      Response from NewDay USA

      Thank you for the 5-star review! We are glad that Cody provided you with a pleasant experience.

      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      Reviewed Aug. 28, 2026

      From the very beginning, when discussions started about a possible refinance of my mortgage, everything was explained, details laid out, required inspections scheduled and completed right away, without any issues. Follow-up was also administered by the team. Excellent service with a clear timeline.

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      NewDay USA
      Response from NewDay USA

      Thank you for the 5-star review and feedback on your experience with us. We are glad that it was excellent!

      Verified purchase
      Customer ServiceSales & MarketingStaff

      Reviewed Aug. 28, 2026

      I have received many advertisements from New Day. When I decided to make the call to use New Day they were very kind and forthcoming from the start. I worked with Ryan and Logan. Both of them were very kind and patient with me. I enjoyed working with them. I will definitely recommend New Day to my veteran family and friends. I will also use them again in the future.

      Thanks for your vote!
      NewDay USA
      Response from NewDay USA

      Thank you for the great review. We appreciate your business and referrals.

      Verified purchase
      Staff

      Reviewed Aug. 25, 2026

      I dealt with Lionell. He was great to work with through the entire process. He made sure I understood what was going on and answered my questions completely. He was very professional and knowledgeable.

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      NewDay USA
      Response from NewDay USA

      Thank you for the 5-star review! Lionel is one of our top producers, and we are glad that he was able to assist you throughout the process.

      Verified purchase
      BillingRates

      Reviewed Aug. 21, 2026

      Everything went pretty smooth. I was led to believe my rate would be better than 6.9, but was told since I was saving so much money in monthly payments, they wouldn’t do it. Would have been better instead of mailing checks if you would’ve just paid the creditors electronically.

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      NewDay USA
      Response from NewDay USA

      Thank you for your review! We appreciate it and will pass your feedback on to our policy team for a possible improvement in the process.

      Verified purchase
      MaintenanceStaff

      Reviewed Aug. 21, 2026

      NewDay not only helped me with my Refi… they also helped me find flaws in my credit and the best scenario to clean it all up. Thank you New Day! This Marine Corps Veteran is great!!!!

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      NewDay USA
      Response from NewDay USA

      Thank you for the 5-star review and for your service. We are glad the refi worked out for you. We appreciate your business.

      Verified purchase
      Staff

      Reviewed Aug. 15, 2026

      Your team was there all the way always ready to help. We were treated so very well. It was greatly appreciated.

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      NewDay USA
      Response from NewDay USA

      Thank you for the kind review. We take pride in the customer service that we offer and appreciate your business.

      Verified purchase
      StaffBillingRates

      Reviewed Aug. 7, 2026

      Mr ** was very professional, in all aspects of this process. He explained how using NEW DAY would save monies from high interest credit cards, free up monies for personal needs as well as emergencies. All veterans in financial needs should consider New Day. Very appreciative for Lionel and his team at New Day.

      Thanks for your vote!
      NewDay USA
      Response from NewDay USA

      Thank you for the 5-star review and the great feedback about Lionel. We appreciate your business and are happy that you are satisfied with your financial solution.

      Verified purchase
      Customer ServiceStaff

      Reviewed Aug. 4, 2026

      Nico ** was very knowledgeable and easy to work with. His attention to detail and easy communication style made the process painless. Nico was a pleasure to work with and is a great asset to A New Day!

      Thanks for your vote!
      NewDay USA
      Response from NewDay USA

      Thank you for the excellent review of Nico. We are happy that he was able to assist you throughout the process and that the service was good. We appreciate your business.

      Reviewed Aug. 3, 2026

      New Day USA is not a good company to do business with. You will get a run around anytime that you try to do business with them.

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      NewDay USA
      Response from NewDay USA

      We apologize that our service has not met your expectations. If you would like to provide additional information to our customer service team, we would be happy to look into this further. We can be reached at CustomerService@NewDayUSA.com Thank you.

      Verified purchase
      Staff

      Reviewed July 28, 2026

      Garrett ** was exceptional and very professional. I would definitely recommend him. This survey is forcing me to write more before it's accepted. I subject you allow whatever is written. I think you're losing thoughts

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      NewDay USA
      Response from NewDay USA

      Thank you for the 5-star review! We are glad that Garrett was able to provide you with great customer service.

      Verified purchase
      Customer ServiceTechPunctuality & Speed

      Reviewed July 9, 2026

      I was attracted by zero cash closing on Fox News and I specified that was what I wanted when I called. During the course of the initial contract negotiations my contact at NewDay USA disappeared for a few weeks. The zero-cash aspect was never included in the contract and by the time I noticed "it was too late" to change. I had to liquidate valuable items to come up with the $6k+ needed for closing.

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      Verified purchase
      StaffBilling

      Reviewed July 6, 2026

      Thank you Nick for all the great service you gave me and thank you New day USA for great service and all the hard work you all put in to help me reach my goal of debt free credit cards. That is all I have to say.

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      NewDay USA
      Response from NewDay USA

      We are glad that your experience with Nick was great and that you were able to accomplish your goals. Thank you for the 5 star review! We appreciate it!

      StaffLoan Process

      Reviewed June 25, 2026

      Loan officer at New Day USA was very helpful and I am very satisfied. Everything went well. I thank you very much.

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      NewDay USA
      Response from NewDay USA

      Thank you for your 5 star service. We pride ourselves on great customer service and we are glad that we were able to meet your expectations. We appreciate your business.

      Verified purchase
      Staff

      Reviewed June 19, 2026

      Very pleased with the outcome and the personnel was very professional, helpful in the financial matters. They were able to assist me with a great consolidation of my financial obligations. I will be always very grateful for the opportunity and the trust.

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      Verified purchase
      Loan Process

      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.

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      Verified purchase
      Staff

      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.

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      Verified purchase
      Customer ServiceSales & MarketingPriceStaffBillingLoan ProcessRates

      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.

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      Verified purchase
      StaffLoan Process

      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 **

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      Verified purchase

      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.

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      Verified purchase
      Punctuality & SpeedStaffLoan Process

      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!

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      Verified purchase
      Punctuality & SpeedStaffLoan Process

      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.

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      Verified purchase
      Staff

      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.

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      Verified purchase

      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.

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      NewDay USA Company Information

      Social media:
      Company Name:
      NewDay USA (NMLS #1043)
      Year Founded:
      2002
      Address:
      360 South Rosemary Avenue Ste. 1900
      City:
      West Palm Beach
      State/Province:
      FL
      Postal Code:
      33401
      Country:
      United States
      Website:
      www.newdayusa.com

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