Rating: 9.2 / 10 (Excellent)
4 Customer Reviews - see all comments
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Founded in 2002, Veterans United is a full-service lender that specializes in VA loans for qualifying veterans, military members and their spouses. </br> </br> Based in Columbia, Missouri, the organization carries an unparalleled reputation for customer satisfaction – Veterans United has a 97% customer recommendation rating, and the company received the highest score of more than 25 mortgage lenders for customer satisfaction in J.D. Power’s 2017 U.S. Primary Mortgage Origination Satisfaction Study.

How Do We Rate Veterans United?

Breakdown

4.5/5
Lender Types
4.5/5
Available Mortgage Types
5.0/5
Customer Experience
5.0/5
Reputation & Transparency

Our Overall Rating: 4.6 / 5 (Excellent)

Like all VA loans, mortgages offered through Veterans United are insured by the US Department of Veteran’s Affairs. Because of this, the company is able to offer loans with significantly more favorable conditions to service members and veterans than usually available to the civilian population, like flexible qualification guidelines, lower rates, lower monthly payments, no down payments, and no private mortgage insurance.

As the country's No. 1 Lender for VA purchase loans, Veterans United has closed over 100,000 home loans for military service members and their families.

Veterans United Loan Specifics

Available Mortgage Types - 4.5 / 5

Veterans United offers VA Purchase Loans, VA Cash-Out Refinance Loans, and VA Interest Rate Reduction Refinance Loans – often called a Streamline Refinance.

To get the ball rolling, veterans and service members can avail themselves of a host of online calculators and educational tools to assess their own financial situation, learn the VA loan process, and get help with finding the right home given all this information.

Types of Mortgage Loans Offered

  • Fixed Rate 15 Year
  • Fixed Rate 20 Year
  • Fixed Rate 25 Year
  • Fixed Rate 30 Year
  • 5/1 ARM
  • Jumbo Fixed Rate
  • Jumbo Adjustable Rate
  • VA Fixed Rate
  • VA Adjustable Rate
  • FHA Fixed Rate
  • FHA Adjustable Rate
  • USDA Loan
  • Interest Rate Reduction Refinance Loan (IRRRL)

Veterans United Customer Experience

Customer Experience - 5 / 5

Veterans United is not just a financial organization providing VA loans to service members, they are a full service resource of advice and help for active and former military personnel.

The company offers a trove of online guidance and education, so it’s not just a matter of do you qualify or not: Veterans United will work with you from the very beginning of the process and guide you along the path of finding the right home, getting your credit in shape, and selecting the best possible VA loan for your situation.

Veterans United also offers a one-of-a-kind program designed specifically for military homebuyers to help improve their credit, at no cost. Customers can work with a dedicated Lighthouse Consultant to take strategic steps towards homeownership.

If consumers have any questions during the VA Loan Program or their application process, they can contact one of the company's Home Loan Specialists over the phone, who are available 24/7, to better serve members overseas.

Online Features

Online Quote
Yes
Additional Tools and Resources
Mortgage Calculator
Affordability Calculator
Help Articles
Credit Building Program

Veterans United Qualification Requirements

Qualification Requirements - 4.5 / 5

VA loans are a $0 down payment mortgage option available to Veterans, Service Members and select military spouses, are issued by private lenders, and are guaranteed by the U.S. Department of Veterans Affairs (VA).

All prospective borrowers under the VA loan program must obtain a Certificate of Eligibility (COE) from the Veterans Administration. Veterans United may be able to get this document for you.

In order to get a COE, generally speaking, you must:
  • Have 90 consecutive days of active service during wartime, or
  • Have 181 days of service during peacetime, or
  • Six years in the Reserves or National Guard, or
  • Be the spouse of a service member who has died in the line of duty or as a result of an injury sustained in the line of duty

  • Because VA loans are insured by the federal government, credit score typically isn’t as much of a limiting factor as it is with conventional loans, however, it still will play a part.

    If your credit is less than stellar, it would be a good idea to avail yourself of Veterans United’s credit building service. As an active or former service member, the company connects you with credit and VA loan experts free of charge to help get you on track to securing a home.

    If you have additional questions about whether you qualify, you can contact Veterans United's Home Loan Specialists, who are available 24/7.

    Key Requirements at a Glance

    Minimum FICO Score
    620
    Minimum Down Payment
    $0

    Additional Qualification Requirements

    To determine eligibility, prospective borrowers may have to initially provide the following information military service history, information about the property, and personal information such as credit score, email address, and phone number.

    Veterans United Lender Reputation

    Reputation & Transparency - 5 / 5

    Veterans United has been the country's No. 1 Lender for VA purchase loans in 2016, 2017 and 2018, with over 100,000 closed home loans for military service members and their families.

    What really sets the company apart is their involvement in the military community. The company is advised by a board of former senior military personnel representing every service branch whose mission is to educate veterans as to the benefits of VA loan programs and home ownership in general.

    What’s more, Veterans United has unmatched VA loan expertise and is the country’s No. 1 lender for VA purchase loans. The company enjoys excellent ratings with the Better Business Bureau and TrustPilot.

    Key Facts

    Lender Type
    Direct Lender
    Year Founded
    2002
    BBB Rating
    A+
    Trustpilot Rating
    4.9 out of 5
    Collection Date
    2019-04-22

    Complaints & Regulatory Actions

    Nationwide Mortgage Licensing System ID
    1907

    Company Profile

    Full Name
    Veterans United Mortgage Rates
    Headquarters
    2101 Chapel Plaza Ct., Columbia, MO, 65203

    Disclosure

    NMLS ID #1907. Equal Housing lender. Veterans United is a VA approved lender; Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.

    Top Rated
    Our Partner

    Veterans United Home Loans

    VA Homebuying Simplified
      Determine your 2026 homebuying budget 
      Get up to 100% financing with 0% down 
      Skip the paperwork with our homebuyer app
      America's #1 VA Lender (VA Lender Statistics) 

    Latest Veterans United Reviews

    timelordames

    4/1/2026
    First time buyer, I had so many questions that got answered whenever I asked. Kept me on my toes to keep the process running smoothly with reminders. Couldn't have asked for a better experience.


    christopherengesphotography

    3/28/2026
    All of team at Veterans United are extremely professional. This is the third time I used them for my VA mortgage needs. I highly recommend them!


    jkjs1992

    3/18/2026
    This is the second time we have used Veterans United. They are amazing! From our very first inquiry to our closing and beyond. Everyone on our team have guided us through with amazing ease. Thank you! Each and every one of you. We will be back.


    queenaminat98

    3/16/2026
    A very huge thank you to Veterans United team! Round 2 with this team and it was just as great as the first time, if not better. Thank you to Scott, Jordan, Robert, Andrea, and all the staff. You made my life and the process so much easier this round even though I was overseas. God bless you all.


    E
    Eliott M

    3/9/2026
    Montgomery, Bailey and Jesse were all fantastic to work alongside. They were always quick on responding to my questions, no matter the random times that I would message them, and explained everything so well that it was very easy to understand. If I could rate them higher than 10, I would. They made the process so easy for a first time home buyer. I highly recommend each and every one of them.


    vpowerhouse

    3/7/2026
    Stephen and his team at Veterans United were absolutely amazing! The biggest accomplishment was being patient with me keeping me informed of every step. If I was confused about something, they had the answers!


    M
    Mark P

    3/4/2026
    I cannot say enough good things about Heidi, Bailey and all the staff I have worked with over the past 3 years at Veterans United. They are pleasant, organized, professional and saw my refinance through to the end. I would work with them again in a heartbeat!


    sowah023

    2/27/2026
    Veterans United made the home buying process smooth and straightforward. As an active duty Soldier, having a lender that understands VA loans and works efficiently made all the difference. The team was professional, responsive, and genuinely cared about getting us into our home. I would absolutely recommend Veterans United to any fellow Veteran or service member.


    msbliss57

    2/21/2026
    From beginning to end, Veterans United made the process so easy. Very friendly but professional too. I cannot say enough good about all of Evan Oswald, Richard Litzinger and Heather Coburn. They made it a breeze to purchase a home!!!


    annamariesiebert1987

    2/16/2026
    We have been so happy with the service we received both the initial and the current mortgage. Everyone always goes above and beyond.


    opheliachristian95

    1/31/2026
    This process was so easy because of my efficient team. I had my new home in 60 days. My team was great, Aaron & Heather was always on the ball. I m so happy I did this process.


    mikesnow571

    1/31/2026
    Dan Hopkins has helped us re-finance our house 2 times and both times he and his team went above and beyond to see us to the finish line. I would recommend Dan and his team to anyone wanting to re-finance their home.


    kayakerfl

    1/27/2026
    This is the second home I have purchased with Veterans United. The level of service is over the top in professionalism, customer service, and a down-to-earth unwavering ability to listen, assist and ease your way through the purchasing process. As a retired disabled Veteran, I cannot imagine receiving this level of service from any other company. Taylor, Alexis and many others were available whenever a question or issue arose, I compliment the team on every aspect of obtains my mortgage. Thank you, for making this transition stress less and quick. Well done.


    contactjowen

    1/26/2026
    Shawnee and her team were amazing. I feel very fortunate to have had such a pleasant home buying experience and will definitely recommend to friends. Thank you!


    devotedmami03

    1/23/2026
    Everyone during the whole loan process was supportive. I was informed of every step of the loan process, I would recommend Veterans United to everyone I know. I didn’t feel like a number I felt like I was well taken care of throughout the whole house closing from start to finish.


    cagekicker106

    1/5/2026
    Ryan and his team were amazing!! I had an unusual retirement situation that they were able to handle and get my loan approved with very little issues! I have now signed off on my forever home thanks to Ryan and the VU team!! I have nothing but great things to say about my experience!!


    quinceecalhoun

    12/22/2025
    We’ve used VU several times now—from refinancing our previous home to purchasing our current one. Although we were skeptical at first due to the lack of a local office, we are so glad we chose VU! The entire process was quick, easy, and painless. Our loan officer, Austin, was extremely helpful and always available within a reasonable time whenever we had questions. Jennifer was also wonderful to work with—she communicated quickly and clearly throughout the process. I would absolutely recommend VU to any veterans in my life who are looking for a VA lender.


    hamiltoncarley1

    12/15/2025
    This was our third time using Veterans United! We are incredibly thankful for all they did to make our home-buying process smooth and stress-free.


    lonestarwoodpens

    12/13/2025
    The entire team at Veterans United that we worked with were absolutely incredible. Michael Peters was there for us every step of the process making it easy and less stressful.We will tell everyone about Veterans United. Above and beyond through every step of the process.


    gabrielasiqueirapedroso

    12/13/2025
    Matthew and his team did an extraordinary job. I have no words to express my gratitude for all the tireless work they put into my case and the effort they put into helping me become a first-home buyer. I ended up buying the house of my dreams, better than I could ever have imagined possible, and I am so grateful to have him with me throughout the entire process, making this a reality. I felt like he was part of the family; they even remembered I have cats and sent us a surprising gift. I felt very special.


    cp51357

    12/11/2025
    Veterans United never fails me and has the expertise and customer service as excellence...very top performer in the VA Lender industry!


    veraleonard6

    12/10/2025
    Sheldon and his team made my process very stress- free. They were all there to encourage me during this process. I'm a first- time home buyer and didn't know what to do or expect. The entire team was very patient, explained every step throughout this process. I'm glad that I chose them and will gladly recommend Veterans United VA Loans to all my friends and fellow soldiers.


    cnarcisc

    12/7/2025
    This was the easiest home buying process I have ever had, Paul and his team were easy to work with and were there for any questions I had. They made the process seamless, we are very far away and could not be at closing and they made it less stressful having to close miles away. I would highly recommend Veterans United VA loans.


    carinda123

    11/26/2025
    Exceptional service! The process of buying a home is very stressful. Mike and the team made the experience seamless and stress-free. They also provided all the resources with discounts associated with moving. I am very happy with my home and the final cost. I definitely would recommend Veterans United for veterans who are buying a home.


    lauramwooding

    11/6/2025
    Veterans United VA Loans has been a pleasure to work with from my original loan to my most recent refinance. I was informed throughout the entire process. My loan officer was attentive, professional and kept the lines of communication open and up to date. Couldn't have asked for a better experience.