Last Updated: 04/18/2025
Veterans United Home Loans Mortgage
Claimed
Last Updated: 04/18/2025
SuperMoney User Recommendation Score +87
Strongly recommended31 total votes
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Highlights
Community Rating
Strongly recommended
Credit Score Range
620 - 850
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Amount Range
Up to $1,500,000
Loan Term (Years)
15 - 30
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Number of Reviews
Veterans United Home Loans Mortgage Review
Veterans United Home Loans Mortgage is offered by Veterans United Home Loans (NMLS #1907), a direct lender founded in 2002 and based in Columbia, MO. Veterans United are available in 50 states and Washington, DC.
Key Takeaways
- Wide selection of mortgage programs offered. Veterans United Home Loans Mortgage offers FHA, USDA, VA, conforming, and conventional mortgages.
- Financing for single-family and multi-family properties. However, Veterans United Home Loans does not offer financing for manufactured homes.
- Non-standard interest rates available. Veterans United Home Loans Mortgage only offers hybrid mortgages.
- Investment and personal use properties considered. Financing available for primary homes, vacation homes, and even investment homes, such as rental properties.
- Origination fee of 1%. This is on the low end for lenders that charge an origination fee. However, some lenders don't charge an origination fee.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Veterans United Home Loans Mortgage.
- Fair credit accepted. Borrowers with a credit score as low as 620 may qualify for Veterans United Home Loans Mortgage.
Veterans United Home Loans Mortgage Pros & Cons
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Veterans United FAQ
How much can you borrow via Veterans United Home Loans?
Veterans United allows borrowers to apply for loan amounts of up to $1,500,000. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.
What is the maximum loan term you can get with Veterans United?
Veterans United offers mortgages with terms ranging from 15 to 30 years. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.
What mortgage rates does Veterans United Home Loans offer?
Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.
Do they charge mortgage origination fees?
Yes, Veterans United may charge a loan origination fee of 1% of the loan amount .
Does Veterans United charge prepayment fees?
No, Veterans United does not charge prepayment fees. This means you will not have to pay additional fees if you decide to repay the mortgage early.
What mortgage programs are available?
Besides conventional mortgages, Veterans United offers the following mortgage types:
- FHA loans: FHA loans are mortgages insured by the FHA. They offer competitive mortgage rates and have less stringent eligibility requirements. However, borrowers must pay a mortgage insurance premium. For instance, you can apply for an FHA loan with a credit score as low as 580. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
What property usage types does Veterans United allow?
Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Veterans United allows the following property usage types:
- Primary home
- Secondary homes and vacation properties
- Investment properties and house flipping projects
What is the customer service phone number?
The customer service number for Veterans United Home Loans Mortgage is (800) 884-5560.
What is the support contact email?
The support contact email for is customer_service@vu.com.
How do people rate the customer service and user experience?
Overall, this business is strongly recommended based on community reviews that rate customer service and user experience.
Veterans United Home Loans Mortgage Disclosure: A VA approved lender; Mortgage Research Center, LLC – NMLS #1907 (www.nmlsconsumeraccess.org). Not affiliated with the Dept. of Veterans Affairs or any government agency. An Equal Opportunity Lender.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +87, or 4.7 on a 5-point rating scale.
+87
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Everyone recommends
Veterans United Home Loans Mortgage Community Reviews
Would you recommend Veterans United Home Loans Mortgage to your friends?
OA
Othman A.
Apr 5, 2023
May or may not recommend
I had a great experience with Veterans United Home Loans Mortgage. The staff was helpful and knowledgeable, and the process was smooth and efficient. I would highly recommend them to any veteran looking for a home loan.
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I have had no trouble with the great customer service that I was given. While the 1% fee was annoying, it was a small price to pay for the help I recieved. As a veteran, I felt very welcomed and they understood my current situation.
MB
Michaela B.
Nov 25, 2022
May or may not recommend
I would say Yes! The name itself represents for our Veterans , which they deserved all the benefits , entitled for them and their families.
KA
Khawaja A.
Oct 6, 2022
May or may not recommend
Using the services of Veterans United was amazing, their team was quite cooperative and their rates are also competitive. If you are looking for a house loan they are definitely the ones.
Joyce H.
Jun 14, 2022
May or may not recommend
For military people, I would highly recommend Veterans United. We used Veterans United to purchase our first house. While going thru the process of buying, Veterans United walked us thru the entire process. Our loans officer was in constant communication with us and our agent. They also informed us of any step or documents that we need to fill out, apply or take that we may have missed. They gave ...Show More
RP
Ron P.
Apr 20, 2022
May or may not recommend
I recommend Veterans United who has a stable job and still do not have enough savings for a down payment. I had applied for a home loan during a pandemic and they were quick to respond and make the experience personal. The rates are as well competitive with the market.
OM
Okera M.
Jul 23, 2021
May or may not recommend
Veterans United Home Loans are great. One of the best home loans company in existence. I recommend this one to many people.
MP
Myra P.
Jul 16, 2021
May or may not recommend
Recommending this to military families like ours who will be spending years in another station. They have given us at ease assurance on having a house and payments met without hesitation or doubts. The pros and cons were simply discussed and they were not sugar-coated and you can easily trust them.
Nikki B.
Jul 15, 2021
May or may not recommend
I have had no trouble with the great customer service that I was given. While the 1% fee was annoying, it was a small price to pay for the help I recieved. As a veteran, I felt very welcomed and they understood my current situation.
KJ
Kaylee J.
Jul 7, 2021
May or may not recommend
I have had nothing but great things about center and United! Not only do they treat their clients amazing they also treat their staff fantastic! Affordable with low rates make for an awesome business!!
Boris N.
Jun 5, 2021
May or may not recommend
This product is awesome. I like that borrowers with a credit score as low as 620 may qualify for Veterans . But I don't like that there is an origination fee. If you buy a house for 300k and you need to pay $3k just for origination plus closing cost and interest. I don't like that fee.
OA
Ogechi A.
Apr 22, 2021
May or may not recommend
If you have wished for a dream home, then you need this. At any point in time, it’s especially important to establish a foundation for maximizing your cash flow and loans. Veterans United Home Loans Mortgage can do a quick turn up for you and I strongly recommend them. Work with a team of professional to assess your needs and identify your best financial plan with loans.
RO
Ronke O.
Dec 10, 2020
May or may not recommend
What stands out about Veterans United is the fact that you have enough time to pay back to them. This is what some of my family members have been enjoying for quite some time and I will definitely recommend the company, especially if you do not need to much and you need enough time to pay back.
NM
Niya M.
Dec 8, 2020
May or may not recommend
It's excellent anytime you need assistance they're there to help if you were to purchase veteran United home use, you can't go wrong.I didn't realize that it would be simpler to even get a home than we thought, but they made it possible.
AB
Ashley B.
Nov 29, 2020
May or may not recommend
My uncle is a veteran. He was able to easily obtain a loan from Veterans United Home Loans. The process was hitch free. There were different loan options one could pick from, all being affordable. It was reliable,stress free and very fast. I would strongly recommend this service.
EW
Emily W.
Nov 24, 2020
May or may not recommend
The whole Veterans United team is phenomenal. They are all very helpful and knowledgeable in their jobs. They made the process easy while simultaneously educating me on the process. Also they checked to see what type of home loan would be best for me. I also appreciate the ability to do so much of this process electronically, especially during a pandemic.
VI
Victoria I.
Nov 22, 2020
May or may not recommend
I didn’t know getting a home can be easier than we thought but they made it happen. They provide you with incredible home loan options from which you can select the best for you. Although they may not be accredited, before using their services I checked for some reviews online and they didn’t disappoint.
DO
Dahunsi O.
Nov 18, 2020
May or may not recommend
My father is a veteran, and he was able to get a reliable, affordable home loan with Veterans United. Applying for the loan and securing it were incredibly easy, and now, he's able to live free after serving his country. Big ups to the team behind this company.
CR
Christine R.
Nov 13, 2020
May or may not recommend
You need to watch me tell my friends about Veterans United Home Loans. I’ve never gotten a loan from them but my neighbour did. I was with her from the starting process till when she came out crying with her set of house key. Veterans United made getting a mortgage loan easy. So, thank you Veteran United!!
KF
Kyle F.
Oct 30, 2020
May or may not recommend
Veteran Home Morgage upgraded my experience and made the journey pretty for my family. we received a reliable, fast, loan within a couple of hours in a matter a minute. I would recommend the ease of use again.
Showing 20 of 31 reviews
