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Veterans United Home Loans Mortgage Review 2025
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At a glance
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
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
4.9
Rating: 4.9 stars out of 5
Customer Rating
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
5.0
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
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
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Lower rates than the national average
Cons
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No HELOCs or home equity loans
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Limited number of branches
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.
Lender compare
Compare Veterans United to other lenders
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NMLS: 1907
4.9
Rating: 4.9 stars out of 5
Bankrate Score
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Recent Customer Reviews
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate. To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
5.0
NMLS: 399798
4.9
Rating: 4.9 stars out of 5
Bankrate Score
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Recent Customer Reviews
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate. To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
4.0
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.
Learn more:
How to get a mortgage
Veterans United Home Loans customer ratings and reviews
NMLS: 1907
5.0
4,928 ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate. To help serve you with relevant information, the customer reviews shown below are limited to only those that this advertiser has received during the past 12 months.
This lender has 898 recent reviews.
Knowledge
Level of service
Professionalism
Responsiveness
100% of customers would recommend this lender.
10 of 898 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.
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Closed mortgage with this lender?
Closed on time?
Would you recommend this lender?
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Closed mortgage with this lender?
Closed on time?
Would you recommend this lender?
The Closing was very quick.
The team was very helpful.
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Cecil N.
Germantown,Md (April 14, 2025)
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
On Point!
Extremely personable friendly and talented staff. Capable of achieving the impossible.
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
No
Would you recommend this lender?
Yes
Ryan S.
SC (April 14, 2025)
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
No
Would you recommend this lender?
Yes
My A-Team Got the Job Done
With all things considered, my team did an outstanding job. I connected with Aaron before I arrived in Georgia on 4 February .I began my search shortly thereafter. I found one house, but opted out of the agreement with the seller. My agent and I started viewing other houses a week later I settled on another one within a week. My team pivoted and gathered all the paperwork, the appraisal, inspection, and follow up inspection was done in record time. I closed on the 10th of April 2025. Woohoo, I'm a proud homeowner.
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Maple W.
Augusta Georgia (April 13, 2025)
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Best Company Ever!!
Buying a home for the first time can be stressful and frustrating but VU did their thing! They helped make the process quick and simple! Everything done right and on time! We love our new home!
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Larry B.
Louisiana (April 13, 2025)
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Exceptional Service and Expertise Throughout My VA Home Loan Journey
Veterans United made my home buying experience truly exceptional. From start to finish, their team demonstrated outstanding professionalism, clear communication, and a deep understanding of the VA loan process. They guided me through every step with transparency and efficiency, ensuring a smooth and stress-free closing. Their commitment to supporting veterans was evident in the personalized service and attention to detail I received. I am grateful for their expertise and highly recommend Veterans United to any veteran or service member looking to purchase a home.
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Stephen K.
Washington State (April 13, 2025)
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Liked the to do list and phone calls thar kept me on track with things. Loved welcome home gift, meant so much
Great service from beginning to end, whole team very helpful with whole process.
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Mary E.
NC (April 12, 2025)
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Good rates and service for Vets!
Today’s world is so electronic in nature that it took awhile to figure out who the team was. Unfortunately one of the team left the company and everyone rallied, but it puts a dent in the flow of information. Overall, it was a good experience and we would certainly suggest other veteran families to trust that Veterans United does not take short cuts and everything you need will be taken care of!
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
D M.
RI (April 12, 2025)
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Recommend VU.
Very pain free process and everyone involved took the utmost care into ensure an on-time Closing on our dream home.
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
John C.
Wisconsin (April 12, 2025)
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Streamlined buying process
Pretty streamlined service. the entire team was helpful and responsive.
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
nicholas m.
Santa fe (April 12, 2025)
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Some hiccups
You might get delayed, peoples feelings might get hurt, but Veterans United gave me THE BEST Deal & Rate, no one else even came close
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
No
Would you recommend this lender?
Yes
CAP
Three Rivers Texas (April 12, 2025)
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
No
Would you recommend this lender?
Yes
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