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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
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.
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
5,126 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 966 recent reviews.
Knowledge
Level of service
Professionalism
Responsiveness
100% of customers would recommend this lender.
10 of
966 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?
A Walk in the Park....
I have bought houses before, with and without VA loans. The process was always the same - long, convoluted and unnerving, lost in a process never knowing what comes next or why. Greg and his team were simply awesome! Looking to relocate; knowing the state but not where, when we found an interesting listing Greg would reach out to have a local realtor work with us, sometimes traveling long distances to provide us a video tour of the home. As we looked at more homes across the state online this happened again and again, each time painless as the first. Once we found our home, Greg and his team; Cara, Anthony and Casey guided us thru every step of the way. Almost daily Greg our loan officer, Anthony our Concierge; and Casey our realtor contacted us always keeping us up to date, explaining what's next and answering any questions we may have had. From first contact to the final underwriting Greg was in constant contact, overseeing everything and making the entire process unbelievably easy.
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
Ed J.
TN (June 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
The A Team.
Chase, and his Team did a phenomenal job. Veterans United is quick and efficient.
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
Jearid E.
MI (June 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
Quality
Jerry's team was very helpful throughout the entire process. We had all questions and concerns answered. They all receive the highest praise from the Johnson family
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
Johnson .
Indiana (June 11, 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
Smooth and effective service
Veterans United made my home buying experience as smooth as possible and there was great communication across my whole team. Thankful that I got paired with the team that I did.
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 B.
IL (June 11, 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
An amazing team
My team at Veterans United are amazing! Karol, Amanda, and Kelsey made me feel like family and put me at ease from day one. This is my second home I have ever purchased and they made it an easy and streamlined process from the very first hello how are you. The dedication and personal communication that I received from this team is unparalleled from anything I have ever experienced. I cannot speak highly enough about this group, and all of my family and friends know how awesome you guys are!
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
Juan M.
Clarksville, Tennessee (June 10, 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
Be careful what you wish for. Before you know it Veterans United will help you purchase a home.
My experience was easy and painless. The team was knowledgeable and clear on every conversation.
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
Richard M.
Rock Springs, Wyoming (June 10, 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
The house we wanted in the neighborhood we wanted on a fast track which we requested.
Veterans United is fantastic. We worked with Alec as our Loan Officer and Brenda as our Loan Coordinator, and we always knew what was expected of us to stay on track towards the agressive closing date which we selected. They communicated extremely well with our realtors and our title company by striking the right balance between emails, text messages, and phone calls. The Veterans United portal is very intuitive, and Alec and Brenda were exceptionally efficient at managing my to-dos on the portal. More than anything else, I knew that Alec and Brenda always had my best interests top of mind. They are extraordinary representatives for Veterans United. I would recommend Veterans United and especially Alec and Brenda to my family and friends. Veterans United is an easy lender to work with and our loan team, Alec and Brenda, are simply stellar.
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
Chuck C.
Central Florida (June 9, 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
Veteran United is Great
1st clear up your credit accounts, and save funds for different home buying fees that may arrive during closing.. 2nd Trust in your assigned team members. You take the lead, locate a Veterans United approved Realtor, get a pre-approval loan certificate, and start searching.
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
Marvin W.
Lawrenceville Georgia (June 8, 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
Highly recommend
Kelly made our home purchase experience incredibly smooth and stress-free. From pre-approval to closing, she was very responsive, knowledgeable, and always available to answer our questions. She truly went above and beyond . Her professionalism and attention to detail made at feel at ease every step of the way. We couldnt have asked for a better lending partner. Highly recommend! 10 out of 10 for Veterans United home loan.
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
Melissa P.
Dallas texas (June 8, 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 team to work with
Johnna was very personal and responded back to us very quickly whenever we needed help with something awesome person to work with.
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
Birch Bay (June 7, 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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