Veterans United Home Loans Review 2025
Some or all of the mortgage lenders featured on our site are advertising partners of NerdWallet, but this does not influence our evaluations, lender star ratings or the order in which lenders are listed on the page. Our opinions are our own. Here is a list of our partners and here's how we make money.
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
Our Take
5.0
Veterans United is the largest VA loan lender in the country, accounting for nearly a third of all VA loan originations. However, borrowers won’t find renovation loans or home equity products. Most likely to appeal to veterans and servicemembers.
Pros
- 24/7 customer service line supports servicemembers stationed internationally.
- Niche VA products, including refinances, EEMs and VA jumbo loans.
- Maintains a network of real estate agents experienced with VA borrowers.
Cons
- No HELOCs or home equity loans.
- No renovation loans.
- No live chat feature on website.
Lender | Min. credit score | Min. down payment | |
|---|---|---|---|
620 | 3% | Visit Lenderat NBKC at NBKC | |
580 | 3% | Visit Lenderat New American Funding at New American Funding | |
580 | 3.5% | Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC | |
620 | 3% | Visit Lenderat GO Mortgage at GO Mortgage | |
620 | 0% | Visit Lenderat Veterans United at Veterans United |
Full Review
Veterans United Home Loans is a nonbank lender based in Columbia, Missouri. Loans are available nationwide.
🏠Popular loan types include: VA; fixed rate conventional; FHA; jumbo; streamlined (IRRRL) or cash-out refinance
🔑 Specialty loan options include: USDA; loans for self-employed borrowers; loans for second homes; construction-to-permanent home loans; conventional loans for manufactured homes
Veterans United provides a variety of conveniences and services tailored to military borrowers, including:
Veterans United Realty, which matches borrowers with agents who specialize in working with veterans and servicemembers.Â
Veterans United Insurance, a brokerage service that reviews customized quotes from partner insurance companies.Â
Free credit counseling.Â
» MORE: How to apply for a mortgage
How we score Veterans United mortgages
Every year, NerdWallet writers and editors use the latest data and independent research to score lenders on an overall rubric, reflecting factors that are most important to mortgage borrowers.
Veterans United has an overall NerdWallet home loans rating of 4.5 stars, and a NerdWallet rating of 5.0 stars for its VA loan products.
Here’s a breakdown of this year’s score for VA loans:
Category | Star rating |
|---|---|
Volume of VA loans | |
VA loan rates and fees | |
Variety of VA loan types | |
Rate transparency | |
Customer experience |
Veterans United’s average mortgage rates and fees score is based on data from its parent company, Mortgage Research Center.
Veterans United earned bonus points in its overall star rating for expanding homeownership opportunities by offering loans for manufactured homes.
» MORE: How to get the best mortgage rate
What borrowers say about Veterans United Home Loans
NerdWallet’s lender star ratings assess objective qualities, including rates, fees and loan offerings. To help you understand borrowers’ subjective experiences, NerdWallet has gathered customer satisfaction ratings from J.D. Power and Zillow. We also contacted Veterans United customer support.
→ Above-average score in J.D. Power’s 2024 U.S. Mortgage Origination Satisfaction Study. Mortgage origination covers the initial application through closing day.
Score: 793 out of 1,000. Industry average for origination is 727.
→ Average customer rating on Zillow.
Customer rating: 4.78 out of 5, as of the date of publication. Rating reflects more than 5,600 customer reviews.
🤓 Our Nerds say…
Borrowers can reach customer service representatives via email, a round-the-clock phone line or in person at a branch. When we called, we were connected with a friendly and helpful agent. There is no live chat feature.
Alternatives to a home loan from Veterans United
We recommend comparing mortgage rate offers from three or more lenders.
Borrowers who prioritize a lender that specializes in VA loans may be interested in a mortgage from Navy Federal Credit Union.
Borrowers who want to explore a wide variety of VA offerings (including renovation loans) may want to consider Network Capital.
» MORE: Best VA mortgage lenders
More from NerdWallet
NerdWallet’s overall ratings for mortgage lenders are evaluated based on four major categories: average mortgage rates and origination fees, rate transparency to consumers, variety of loan types (purchase, refinance, fixed and adjustable, for example) and customer experience. Among the factors we consider in these categories are: options to apply for home loans online, typical time to close, mobile app experience, level of detail about mortgage rates on lender websites, and NerdWallet’s own analysis of the rates and fees lenders reported in the latest available Home Mortgage Disclosure Act data. These and other items inform detailed rubrics, which generate ratings from 1 star (poor) to 5 stars (excellent). Read more about how we rate mortgage lenders here.
