Veterans United Home Loans Mortgage Review 2025

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

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 scores 4.6 out of 5 stars for borrower experience.

• 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.

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

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.

What consumers say about Veterans United Home Loans

Borrowers on Bankrate overwhelmingly praise Veterans United, with one returning customer calling the lender “the way to go” and others referencing their “great” experiences, especially for first-time homebuyers.

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.

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.