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NMLS: 1907

Editor's take

Veterans United Home Loans focuses almost exclusively on VA loans, so if you’re looking for this type of mortgage, you might feel more comfortable navigating that unique process with this lender. Bonus: If you’ve had any credit issues, the lender’s free credit consulting services can help.

Bankrate Score

4.9

Bankrate Score

Customer Rating

5.0

5,234 ratings

Loans offered

Conventional, jumbo, FHA, VA, USDA, refinancing

Min. credit score required

620 for conventional loans, 620 for VA loans

Nationwide availability

All U.S. states

Min. down payment

3% for conventional loans, 3.5% for FHA loans, none for VA loans and USDA loans

Recent customer reviews

The customer 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. Bankrate cannot guarantee or verify the accuracy of the opinions shared by individual reviewers, and reserves the right to reject or remove any review, at any time, for any reason at Bankrate’s sole discretion, including but not limited to those that Bankrate deems inappropriate, fraudulent, invalid, irrelevant, or otherwise outside the parameters of the Bankrate Review Guidelines, the Privacy Policy, or the Terms of Use.

Best Lending Team!

Jay and the entire team at Veterans United were always present and excellent help for me as a first time home buyer. They made the entire process seamless and were always there for any questions or concerns regarding the process. I will highly recommend the whole team in the future!

Camron M.
TX (Jul 15, 2025)

It was smooth and each step they always look out whether through email, text, or a call

The team that helped me through Veterans United helped me throughout my goal getting me the right team, and people for this project. I felt more secure knowing I had people showing me the steps while working through my schedule.

Henry L.
Humble, TX (Jul 15, 2025)

Read 984 customer reviews for Veterans United Home Loans

Veterans United Home Loans overview

Veterans United Home Loans has been in business since 2002 and closed more than 500,000 VA loans. In addition to offering an online application process, the lender operates 24 branches in 17 states, including locations in proximity to military bases like Fort Knox, Fort Novosel and Scott Air Force Base.

Pros and cons of Veterans United Home Loans

Pros

Specializes in VA loans
24/7 customer service over the phone
Lower rates than the national average

Cons

No HELOCs or home equity loans
Limited number of branches
Typically charges a 1% origination fee

How Bankrate scored Veterans United Home Loans

Affordability: 5/5

Veterans United Home Loans scores a perfect 5 out of 5 stars for affordability. The lender typically offers attractive rates, particularly on VA loans.

Interest rates: The rates from Veterans United Home Loans tend to fall below Bankrate’s averages. If your credit score is 780 or higher, you’ll likely be eligible for the most competitive offer. If you have a 620 credit score, however, be prepared to pay an extra half-point to get a lower rate.
Down payment: As is the case with any VA lender, you’ll likely be able to buy a home without putting any money down with a VA loan from Veterans United.
Closing costs: Veterans United Home Loans charges mortgage origination fees. Overall, you can expect to pay between 3 percent and 5 percent of the loan amount in closing costs. For a VA loan, this typically includes the VA funding fee, unless you qualify for an exemption.

Availability: 5/5

Veterans United Home Loans scores 5 out of 5 stars for availability. The lender works with borrowers nationwide and boasts the convenience of an online application with strategically-located branch locations.

Home loans offered: If it’s a VA loan you need, you’ll find it at Veterans United. The lender offers purchase loans with 15-, 20- and 30-year repayment plans, along with VA jumbo loans, IRRRLs and VA cash-out refinances.
Footprint: Veterans United lends mortgages in all 50 states. It operates 24 branches, with most located near large military populations, such as Colorado Springs and San Antonio.
Where to find: You can apply for a mortgage with Veterans United Home Loans online, by phone or in person at a branch location.

Borrower experience: 4.6/5

With 24/7 customer service and speedy preapprovals, Veterans United Home Loans offers a great borrower experience. The only drawback is that the lender doesn’t fully disclose fees prior to submitting your information for a preapproval.

Preapproval and application process: Provided you qualify, Veterans United can issue a preapproval in less than 24 hours. You can start your application online and use the MyVeteransUnited mobile app to upload paperwork and sign documents. The app has an outstanding rating of 4.9 out of 5 stars among Apple and Android users.
Transparency: The Veterans United website includes a rate tool that makes it easy to estimate what you might qualify for without sharing any of your personal details. You won’t know specific fees, however, until you get preapproved.
Customer service: You can reach the Veterans United customer service team at 800-884-5560, 24 hours a day, seven days a week.

Features

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Images courtesy of Veterans United Home Loans as of Nov. 14, 2023. Note: Depending on method of contact, your individual credit profile and other circumstances, your experience might differ.

Veterans United Home Loans reputation

Veterans United Home Loans has been the No. 1 VA lender for new purchases for the past nine years in a row. Ask a borrower about their experience with Veterans United Home Loans and you’ll likely hear a glowing review. The lender has an almost-perfect 4.9 out of 5 stars on Trustpilot (at the time of this review), and J.D. Power ranked it highly for customer satisfaction in 2024.

Customers who shared reviews on Bankrate agreed, praising the lender for its speedy response time and its online application portal. Veterans United also has a solid track record with the Better Business Bureau, with only 37 complaints closed in the past 12 months — a relatively nominal number compared with the rest of the mortgage industry.

What consumers say about Veterans United Home Loans

Browse through the consumer reviews on Bankrate, and one common thread emerges: five stars. The personal touch appears to be a key point of differentiation, as many borrowers appreciate the chance to connect with loan officers to address their questions.

Lender compare

Compare Veterans United to other lenders

Mortgage rates and fees can vary widely across lenders. You can use the drop downs to explore beyond these lenders and find the best option for you.

Lender

NMLS: 1907

4.9

Bankrate Score

Bankrate's take

Veterans United Home Loans focuses almost exclusively on VA loans, so if you’re looking for this type of mortgage, you might feel more comfortable navigating that unique process with this lender. Bonus: If you’ve had any credit issues, the lender’s free credit consulting services can help.

Loans offered

Conventional, jumbo, FHA, VA, USDA, refinancing

Min. credit score required

Nationwide availability

All U.S. states

Min. down payment

3% for conventional loans, 3.5% for FHA loans, none for VA loans and USDA loans

Recent Customer Reviews

5.0

5234 reviews

Read full lender review

Lender

NMLS: 399798

4.9

Bankrate Score

Bankrate's take

The biggest bank in the U.S. and a large national mortgage lender, Chase combines branch and online service to help you get the loan you need. The bank’s mortgage unit offers special pricing for banking customers, so if you already have an account (or plan to open one), it’s worth checking out for a home loan. It has a special focus on first-time homebuyers, too, offering special loans and grants for those who need help with a down payment.

Loans offered

Conventional, jumbo, FHA, VA, refinancing and more

Min. credit score required

Nationwide availability

All U.S. states

Min. down payment

3% for conventional loans, 3.5% for FHA loans, none for VA loans

Recent Customer Reviews

4.0

25 reviews

Read full lender review

To help you make the most informed decisions, our mortgage lender reviews team suggests an alternative mortgage lender for each lender reviewed. In most cases, this alternative 1.) shares the same strength (affordability, availability or borrower experience) as the lender reviewed; and 2.) rates highly for Bankrate Score. In the event more than one lender meets these standards, we suggest the one with the lowest APRs.

Refinancing with Veterans United Home Loans

Veterans United offers both rate-and-term and cash-out refinancing options, along with the VA IRRRL or streamline program. If you’re trying to determine when to refinance, the lender’s “Lower Rate Radar” automatically alerts you to lower rates.

Learn more: How refinancing a mortgage works

How to apply for a mortgage with Veterans United Home Loans

You can apply for a mortgage with Veterans United Home Loans online, by phone at 800-884-5560 or in person at a branch location. Notably, you won’t need to track down your COE (Certificate of Eligibility) — the lender can find it for you based on some personal information.

Learn more: How to get a mortgage

To determine a mortgage lender’s Bankrate Score, Bankrate rates lenders on a scale of one (1) to five (5) stars — with five (5) the highest rating — based on a variety of factors relating to the lender’s products and services. To assign our ratings, we assessed each mortgage lender across three core areas:
1. Affordability: Annual percentage rate (APR) - 80%; assistance for first-time homebuyers - 10%; down payment - 10%
2. Availability: Loan products - 50%; licensing - 40%; credit score - 10%
3. Borrower experience: Rate transparency - 35%; customer service - 35%; convenience - 20%; rate locks - 10%; reputation (if applicable)
Learn more about our methodology.

Veterans United Home Loans customer ratings and reviews

NMLS: 1907

5.0

5,234 ratings

This lender has 984 recent reviews.

Knowledge

Level of service

Professionalism

Responsiveness

5 stars

4 stars

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1 star

99%

100% of customers would recommend this lender.

of 984 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.

Bankrate cannot guarantee or verify the accuracy of the opinions shared by individual reviewers, and reserves the right to reject or remove any review, at any time, for any reason at Bankrate’s sole discretion, including but not limited to those that Bankrate deems inappropriate, fraudulent, invalid, irrelevant, or otherwise outside the parameters of the Bankrate Review Guidelines, the Privacy Policy, or the Terms of Use.

In addition to collecting reviews on-site, Bankrate collaborated with third-party Slice MR to survey 750 homeowners nationwide in July 2024. Bankrate and Slice MR collected, averaged and presented responses to nine questions. Users received an incentive for their feedback. Responses are based on individual experiences, and therefore cannot be verified for accuracy. Submissions with user ratings that are materially inconsistent with written sentiment have been removed. User ratings are unedited and have not been reviewed or approved by lenders, nor do these ratings reflect Bankrate’s own reviews of these lenders.

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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