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Veterans United Home Loans Mortgage Review 2023

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At a glance

Veterans United Home Loans

NMLS: 1907


Rating: 4.8 stars out of 5
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Bankrate Score

Mortgage Percent

Loans offered

Conventional, jumbo, FHA, VA, USDA, fixed-rate, adjustable-rate; rate-and-term, cash-out and streamline refinancing


Nationwide Availability

Available in all U.S. states

Credit Good

Min. credit score required

620 for conventional loans; 620 for VA loans

Pros and cons

Checkmark Pros

  • Specializes in VA loans
  • 24/7 customer service over the phone
  • Free credit counseling for service members

Close X Cons

  • Doesn’t offer home equity lines of credit (HELOCs) or home equity loans
  • Limited number of branches

Veterans United Home Loans overview

Established in 2002, Veterans United Home Loans is a full-service direct mortgage lender specializing in VA loans with a team of over 5,000. Veterans United also offers a variety of other loan products. It’s a popular choice among military borrowers and has become the 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, but 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 (with conditional approvals in 24 hours), and its VA loan closings currently average a brisk 36 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.

Veterans United Home Loans is good for

Borrowers looking for a VA loan product, online convenience and 24/7 customer service

Breakdown of Veterans United Home Loans overall score

  • Affordability: VA loan rates through Veterans United Home Loans are somewhat competitive to Bankrate’s averages. The exact closing costs and fees you’ll pay depend on your specific loan.
  • Availability: Veterans United works with borrowers in all 50 states, with a focus on VA loans.
  • Borrower experience: As the top VA lender in the U.S., the Veterans United website is brimming with educational resources for VA borrowers. Notably, you can contact the lender 24 hours a day, seven days a week.


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.

Affordability: 4.3/5

The lowest rates for a VA loan through Veterans United Home Loans go to borrowers with at least a 720 credit score and those willing to pay points. The lender displays current purchase and refinance rates for each of its VA loan products online, and updates these daily. For a personalized rate, you can fill out a form online with information about your military service, living situation, loan type and contact info.

Availability: 5/5

Veterans United Home Loans offers mortgages to borrowers nationwide. While it specializes in VA loans, the lender also offers conventional, FHA and USDA loans for various needs. To qualify for a VA loan from Veterans United, you’ll need a minimum credit score of 620 and a debt-to-income (DTI) ratio of no more than 41 percent.

Borrower experience: 5/5

Veterans United Home Loans was founded in 2002 and has since become the biggest VA lender in the U.S., having worked with more than 594,000 veterans on $149 billion in financing. The lender consistently has an A+ rating from the Better Business Bureau and “Excellent” marks on Trustpilot. It also scored highly in J.D. Power’s mortgage origination survey for customer satisfaction. You can contact the lender 24/7 if you have questions on a home loan.

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.

Alternatives to Veterans United Home Loans

Veterans United Home Loans consumer reviews


NMLS: 1907


Rating: 5 stars out of 5

3310 reviews

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About consumer ratings

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Rating: 5 stars out of 5
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Rating: 5 stars out of 5

100% of reviews would recommend this lender

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The consumer reviews posted on ("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.

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Written by

Josephine Nesbit

Josephine Nesbit is a former contributor to Bankrate.

Edited by

Suzanne De Vita

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Mortgage editor