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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
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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
5,081 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 965 recent reviews.
Knowledge
Level of service
Professionalism
Responsiveness
100% of customers would recommend this lender.
10 of
965 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?
Happy Customer!!!!
I can’t imagine dealing with any other loan officer. Chase was always ready to answer any questions that we had. He made sure that we knew exactly where we were at in the loan process and what the next steps would be. We had the support of him and his entire team. We are so thankful luck for them all.
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
VinC
TN (May 26, 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
Amazing home buying process
The very best home buying team, very informative, knowledgeable, and professional. Made the process very smooth.
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
No
Would you recommend this lender?
Yes
Michael b.
Chandler, Indiana (May 26, 2025)
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
No
Would you recommend this lender?
Yes
Worth giving VU a try
Overall satisfied. I had to move for work but VU made it painless to get a loan and find a cute house in a safe neighborhood. Nothing major to complain about keep doing great things and I hope to never move again so hopefully I won't need another loan haha Go Bills!
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
Mejohn9133
St Clair Shores, MI (May 26, 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
Professional and friendly
For any of my vet brothers and sisters, if you're getting ready to move, be sure to use Veterans United. Their process just cannot be beat. They are not only professional, they are personal and the care they give shows brightly. Not one thing went wrong with any of this great adventure. If we were to move again, this is who I will call.
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
Mike B.
612 S 2nd St Clinton, Mo 64735 (May 26, 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
Veterans united are awesome
Everyone at veterans united was quick to respond and made the process so easy. Trying to find a house was long day coming. Veterans united was very patient and 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
Randy .
Southgate, mi (May 26, 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
Veterans United is the best!
I don't know how easy this would have gone as smoothly as it did without Brian and the whole team. Thank you for putting me in my 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
James H.
Wisconsin (May 25, 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
This is the second time I’ve used Veteran United and both times I’ve got the very best service/experience
Glad I was able to help others.
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
Danky
Louisiana (May 25, 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
It went smooth
Just stay focused and will get done
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
Tommy T.
LA (May 25, 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 10/10 times
They made the process super easy and really fast. If you’re a veteran, use veterans united. You won’t be disappointed
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
Seth N.
Indiana (May 24, 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
VU is the best for the Vet!
If I have to buy another house, Veterans United is the only call I'll make!
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 W.
Georgia (May 24, 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
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