Veterans United Home Loans Mortgage Review 2022
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At a glance

NMLS: 1907
5.0
Bankrate Score
Loans offered
Conventional, jumbo, FHA, VA, USDA, fixed-rate, adjustable-rate; rate-and-term, cash-out and streamline refinancingNationwide availability
Available in all U.S. statesMin. credit score required
620 for conventional loans; 620 for VA loansPros and cons
Pros
- Specializes in VA loans
- 24/7 customer service over the phone
- Free credit counseling for service members through Lighthouse Program
Cons
- Doesn’t offer home equity lines of credit (HELOCs) or home equity loans
- Limited number of branches
Veterans United Home Loans overview
Founded in 2002, Veterans United Home Loans is a full-service direct mortgage lender with a team of over 4,700. The lender is headquartered in Columbia, Missouri, and specializes in VA loans; however, it also offers a variety of other loan products. It’s a popular choice among military borrowers and has become a leader in the VA loan sector, providing more VA purchase loans by volume than any other lender since 2016. There are more than two dozen branch locations nationwide, and you can also apply for a mortgage or refinance online or over the phone. Depending on the borrower, the lender can issue a preapproval in minutes, and its VA loan closings typically take 30 days to 45 days. Notably, the lender is flexible enough to consider non-traditional credit data, and if you’re a returning borrower, you might be eligible for a credit.
Good for
Borrowers looking for a VA loan product, online convenience and 24/7 customer service
Loan types
- Conventional
- Jumbo
- FHA
- VA
- USDA
- Fixed-rate
- Adjustable-rate
- Rate-and-term, cash-out and streamline refinancing
Lender fees
Veterans United Home Loans’ lender fees depend on the borrower and loan. There are no “hidden costs or locking fees,” according to its website.
Rates
Veterans United Home Loans displays current purchase and refinance rates for each VA loan product online, and updates these daily. For a personalized rate, you can fill out a form online with information about your military service, living situation, what loan you’re looking for and contact info.
Reputation
Veterans United Home Loans has a 4.9 out of five-star rating on Trustpilot from more than 7,900 reviews, and continues to receive high marks in J.D. Power’s mortgage origination surveys for customer satisfaction.
Online services
Veterans United Home Loans offers prequalification, preapproval and an application process through its online platform. You can also find daily VA loan rates, an interactive homebuying course, calculators, a glossary and other helpful resources on its website.
Minimum borrower requirements
For VA loans, Veterans United Home Loans adheres to the borrower requirements of the U.S. Department of Veterans Affairs (VA). While the VA doesn’t impose a credit score minimum, Veterans United typically prefers a score of at least 620, as well as a debt-to-income (DTI) ratio of no more than 41 percent.
Refinancing with Veterans United Home Loans
Veterans United Home Loans’ refinancing options include rate-and-term, cash-out and VA Interest Rate Reduction Refinance Loans (IRRRLs, also known as VA streamline refinances). The lender posts refi rates on a daily basis on its website, and you can use its online refinance calculator to estimate your savings.
Not sure if Veterans United Home Loans is right for you? Consider these alternatives
- Navy Federal Credit Union mortgage review: A credit union for military members and veterans that specializes in VA loans
- USAA mortgage review: No origination fee on VA loan products
- Allied Mortgage Group review: Offerings include VA loans and options for investors
- Freedom Mortgage review: Another major VA lender that also offers HELOCs and renovation loans
- United Wholesale Mortgage review: The leading wholesale lender that could be an option for borrowers working with a broker
Breakdown of Veterans United Home Loans overall review score
- Affordability: 5/5
- Availability: 5/5
- Borrower experience: 5/5
Review methodology
To determine a mortgage lender’s Bankrate Score, Bankrate’s editorial team rates lenders on a scale of one to five stars based on a variety of factors relating to the lender’s products and services. Bankrate’s partners compensate us, but our opinions are our own, and partner relationships do not influence our reviews. Here is our full methodology.
Veterans United Home Loans consumer reviews
5.0
3013 reviews
Customer service rating
100% of reviews would recommend this lender
10 of 10 rates honored
Review this lender
Write a review of your experience with Veterans United Home Loans.
10 of 1608 reviews
The consumer reviews posted on Bankrate.com ("Bankrate") are individual, subjective opinions of reviewers, and not of Bankrate. Bankrate does not endorse any of the opinions expressed by reviewers or any responses to reviews.
To help serve you with relevant information the consumer reviews shown below are limited to only those that this advertiser has received during the past 12 months.
Professional, expert care during global pandemic!
Deborah Bowman | Sonoma County, CA | 5/20/2021
Cameron and Brett were an amazing professional team providing the needed expertise to navigate as an independent contractor buying my first home. As a healthcare provider during the COVID-19 pandemic my hours and days of work rolled endlessly into one another and buying a home found some peak stres...
There was a moment when some documents were needed and I didn't know how to obtain them.Scott Davis walked me through the process and we were able to get them.
Danny S. | Az | 5/20/2021
Veterans United went far and above to help me through out the process! I would recommend them to everyone!
Veterans United makes homebuying or refinancing a smooth and seamless process.
Phil R. | Bushnell, Fl. | 5/20/2021
Veterans United makes homebuying or refinancing a streamlined process. They are knowledgeable, personable, and efficient. I recommend them to every veteran I know that is in the market for a home or looking to refinance.
First time homebuyer VA loan Veterans United
Brandon | Texas | 5/20/2021
Outstanding in every way. Josh Capron and Brayden Byrd were always there to answer questions in astonishing speed of response. Both were able to resolve issues as effective as a firefighter extinguishes flames. Very respectful and to the point in making sure timeline was not only met, but closed ear...
Great experience!
Great experience! | Dayton Ohio | 5/20/2021
If anyone is considering a group to help them with their home loan, this is a no brainer. VU and everyone involved are absolutely amazing and so very helpful. I cannot stress enough as to how much I recommend them. Highly recommend.
Very pleased and grateful for our help and getting the keys to our FOREVER HOME!!
LEALOFI LEALOFI | BARSTOW, CA | 5/21/2021
Working with this company has been great and a blessing.
Great Experience.
April Ramos | Killeen, Texas | 5/22/2021
Our local Veterans United branch was just so easy to work with. The team handling our closing responded so quickly to any questions and concerns. At one point they were given misinformation that led to the wrong numbers on documents and they fixed it same day, which as a homebuyer, a day away from ...
VA Loan
T.Wald | Georgia | 5/22/2021
We would recommend this Lender to anyone who is looking to purchase a home.
Great to work with
Lindsay Bandy | Wyoming, MI | 5/22/2021
This was our first time buying a home, and VU made it all as painless as possible. Most of the paperwork is online, which made things a lot easier. The people were all extremely helpful and knowledgeable, and willing to take time to answer any sand ask questions we had.
Amazing Time!
Harry | Altus | 5/22/2021
From the very beginning , I had very hard time finding a home but with the support of my real estate agent and loan specialist I was able to find a home and close within a week, it was very fast and nice!