Veterans United Mortgage Refinance
Veterans United Mortgage Refinance
in Mortgage Refinance from Veterans United Home Loans · NMLS ID #1907

Veterans United Mortgage Refinance

in Mortgage Refinance from Veterans United Home Loans · NMLS ID #1907
Net Recommendation Score +100  


This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Loan Amount Up to $1,500,000
Loan Term (Years) 15 - 30 years

Veterans United Mortgage Refinance Review

Veterans United Mortgage Refinance is offered by Veterans United Home Loans (NMLS #1907), a direct lender founded in 2002 and based in Columbia, MO. Veterans United Mortgage Refinance is available in 50 states (and Washington, DC).

Key Takeaways

  • 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.
  • 3 different mortgage programs offered. Veterans United Mortgage Refinance refinances FHA, USDA, VA, conforming, and conventional mortgages.
  • Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
  • Non-standard interest rates available. Veterans United Mortgage Refinance only offers hybrid mortgages.
  • Considers personal use and investment properties. Refinancing available for primary homes, vacation homes, and even investment homes, such as rental properties.

Veterans United Mortgage Refinance Pros & Cons

Pros Cons
  • $0 prepayment fee.
  • Available in all 50 states.
  • Charges an origination fee of up to 1% of the loan amount.

Veterans United Mortgage Refinance FAQ

What is the maximum loan term for a mortgage refinance via Veterans United?

The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. Veterans United Mortgage Refinance offers mortgage refinancing with terms ranging from 15 to 30 years.

How long does Veterans United take to refinance?

Generally, it takes Veterans United between 30 and 45 days to complete a refinance. Of course, this is just an estimate. The exact time will vary depending on the lender and the market.

Does Veterans United charge a mortgage origination fee?

Yes, Veterans United Mortgage Refinance will charge a loan origination fee of 1% of the loan amount.

Does Veterans United charge prepayment fees?

No, Veterans United Mortgage Refinance 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 does Veterans United offer?

Veterans United Mortgage Refinance offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • USDA: A zero down payment mortgage loan with low rates for suburban and rural homebuyers.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What property usage types does Veterans United allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Veterans United Mortgage Refinance allows the following property usage types: 

  • Primary home
  • Secondary homes and vacation properties
Veterans United Mortgage Refinance Disclosure: A VA approved lender; Mortgage Research Center, LLC – NMLS #1907 ( Not affiliated with the Dept. of Veterans Affairs or any government agency. An Equal Opportunity Lender.
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Message From Veterans United

Veterans United Home Loans is the nation's largest VA purchase lender. Based in Columbia, Mo., Veterans United is a family owned, full-service national lender that financed more than $10.2 billion in loans in 2017. The company's mission is to help Veterans and military members get the most from the home loan benefits earned by their service. Veterans United received the highest score for customer satisfaction in J.D. Power's 2017 U.S. Primary Mortgage Origination Satisfaction Study.

Message From Our Editor

What We Love About Veterans United Home Loans

Veterans United Home Loans cares about military members and their families and strives to help them get VA loans so they can become homeowners. If they don’t qualify for a loan, there’s a free credit program, the Lighthouse Program, available to them to help them eventually get approval. The employees are VA loan experts and provide excellent customer service.

The standards for qualifying for the loan are flexible. You don’t need to have a down payment, the closing costs are low, and there aren’t any prepayment penalties. There is also no requirement for private mortgage insurance.

What Veterans United Home Loans Could Do Better

While there are many benefits from Veterans United Home Loans, there are a few minor quibbles. There are currently only locations in less than half of the states in the US. You may also find that the interest rates are not as low as some of its competitors. Additionally, there are not home equity credit line or loan products through the company.

Veterans United Home Loans Backstory

Veterans United Home Loans was founded in 2002 in Columbus, MO. It began as a small company with only four employees, but the goal of providing VA home loans was always the core of the business. Within just six years, it surpassed more than a billion in financing and became a nationwide lender. It’s currently available in more than 20 states and is the country’s top VA home purchase lender.

The Verdict

Will Veterans United Home Loans be a good solution for you? If you’re a military member, a veteran, or a qualifying spouse in need of a home loan, it could be a good solution to consider. You can check to see if you qualify for the loan and even get help getting your credit in order if you don’t. The guidance that the employees can provide help to make it a good option for veterans and military members. It’s a friendly company that cares about its clients and should be high on your list of potential lenders.


Other Services by Veterans United Home Loans


  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Prepayment Fee
Origination Fee (%) 1%
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Intended Use
  • Primary Home
  • Secondary Home
  • Investment
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Recent Pay Stubs
  • Proof of Income
  • Proof of Identity
APR 1% - 8%
Loan Term 15 - 30 years
Loan Amount Up to $1,500,000
Interest Rate Types Offered Hybrid Mortgage
Mortgage Programs
  • FHA
  • USDA
  • VA

Veterans United Mortgage Refinance Community Reviews


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This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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