Veterans United Mortgage Review
- Minimum credit score
- Conventional: 620
FHA: 620
VA: 620 - Minimum down payment (Conventional)
- 0%
- State availability
- Available in all states
Our verdict
A top VA lender offering no-down-payment home loans, 24/7 support and credit help for military borrowers.
Veterans United focuses almost entirely on VA loans, making it a great option for service members, veterans and surviving spouses. It’s well known for helpful customer support and a smooth application process, even if you’re applying from overseas. But if you’re not looking for a VA loan, there’s limited info on other loan types — and you won’t find any home equity loans or HELOCs here.
Best for: Veterans and service members ready to use their VA loan benefit to buy a home.
Pros
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High customer ratings
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Streamlined application
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24/7 customer service
Cons
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No home equity loans or HELOCs
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Limited information on non-VA loan options
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In-person service is limited to 17 states
Who Veterans United is best for
Veterans United is best for service members, veterans and surviving spouses who want a lender that specializes in VA loans. It’s a great fit for those who qualify for VA benefits and want the flexibility of no down payment, fast preapproval and 24/7 access to help.
But borrowers who need non-VA options may want to consider other mortgage lenders. You’ll also need to go elsewhere if you want to tap into your home’s equity through a home equity loan or HELOC.
Is Veterans United legit?
Veterans United is a legit mortgage lender and highly trusted VA mortgage lender.. It’s been around since 2002, is the largest VA purchase lender in the US, and has an A+ rating on the Better Business Bureau (BBB).
It offers 24/7 support and strong online tools and has solid security protocols in place. But, in 2017, the company paid a $1.1 million settlement in New York for not always passing on full lender credits promised to borrowers at closing. It has since addressed the issue and hasn’t had major problems since.
What makes Veterans United shine?
Veterans United stands out for making the home loan process easier for service members and veterans. It focuses on VA loans but also offers other options like FHA, USDA, conventional, jumbo, and refinance loans with competitive rates.
Veterans United also offers free credit counseling, helping potential buyers improve their credit to become loan-ready — something you won’t find with every lender.
Its website and mobile tools also make it easy to apply, track your loan and connect with a loan officer from anywhere — a plus for buyers stationed overseas or relocating. Add in strong customer reviews, high approval ratings and a team that consistently earns praise for helpfulness, and it’s clear why Veterans United has become the go-to for VA borrowers.
Where Veterans United falls short
While Veterans United offers a lot for VA borrowers, it’s not the right fit for everyone. The biggest limitation is that it doesn’t offer home equity loans or HELOCs — so if you’re looking to tap into your home’s value without refinancing, you’ll need to look elsewhere.
Another drawback is that Veterans United’s website provides limited information about its non-VA loan products, making it harder to compare rates, terms or even basic eligibility criteria.
And while Veterans United serves all 50 states, in-person service is only available in a handful of locations. If you prefer face-to-face guidance or are unfamiliar with online tools, that could be a drawback compared to lenders with more local branches.
Veterans United loan details
| Loan products offered | Conventional, FHA, VA, USDA, Jumbo, Refinance |
| Minimum credit score | 620 |
| Minimum down payment | None required for VA or USDA loans, 3.5% for FHA loans, 3% for conventional loans |
| State availability | Available in all states |
| Fees | Expect to pay around 3% to 5% of your home’s total cost in fees and closing costs, including: VA funding fee between 0.5% to 3.3% (2.15% average) Origination fee up to 1% Additional charges for attorney fees, appraisals, title search, title insurance, recording fees, underwriting, real estate commissions, etc. |
| NMLS# | 1907 |
Veterans United contact info
| Phone number | 1-800-884-5560 |
| Customer service hours | 24 hours a day, 7 days a week |
| customer_service@veteransunited.com | |
| X, formerly Twitter | @veteransunited |
| @vuhomeloans | |
| YouTube | @veteransunited |
Costs and fees
Fees vary depending on the kind of loan you have, but here are the typical costs you can expect:
- VA Funding fees. These fees range between 0.5% to 3.3% (with 2.15% being the average) and go directly to the Department of Veterans Affairs.
- Origination fees. These are lender fees paid at closing. For VA loans, origination fees can’t be more than 1% of your loan amount.
- Closing costs. Documents, underwriting and attorney fees are rolled into one cast to be paid at closing.
- Third-party fees. These can include appraisals, credit reports and recording fees, which are often paid to companies other than the lender.
Calculate your monthly loan payments
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How to qualify for Veterans United
If you’re thinking about applying for a home loan through Veterans United, here’s a breakdown of the qualifications you need to meet:
- VA loans. Minimum 620 credit score, must meet VA service eligibility, debt-to-income (DTI) ratio of up to 41%, a Certificate of Eligibility (which Veterans United can help you obtain), no down payment required.
- Jumbo VA loans. Same as standard VA loans.
- FHA loans. Minimum 580 credit score, 3.5% down payment, must be for a primary residence.
- Conventional loans. Minimum 620 credit score, 3% to 20% down payment depending on borrower profile, private mortgage insurance (PMI) required for down payments under 20%.
- USDA loans. Preferred 640 credit score, must meet income limits and buy in an eligible rural area, no down payment required.
You’ll also need proof of steady income and the ability to repay the loan, plus provide a government-issued photo ID.
Required documentation
When applying for a mortgage with Veterans United, having the right documents ready can make the process go smoothly. Here’s what you’ll need to provide:
- Proof of Identity: A valid government-issued photo ID, such as a driver’s license or passport.
- Proof of Military Service:
- Veterans: DD Form 214
- Current or Former Activated National Guard or Reserves: DD Form 214
- Active-duty service members: Statement of Service
- Discharged National Guard (Never Activated): NGB Form 22 and NGB Form 23
- Discharged Reserves (Never Activated): Varies by branch
- Income Verification:
- Recent pay stubs.
- W-2 statements from the past two years
- If self-employed, two years of federal tax returns.
- Certificate of Eligibility (COE)
- Additional Documents (if applicable):
- VA disability award letter
- Social Security award letter
- Divorce decree or child support documentation
- Bankruptcy discharge papers
How to apply
Getting started with Veterans United is simple — here’s what to expect:
- Prequalify online or talk to a loan officer. Answer a few questions about your military service, finances and the home you want to buy to see how much you might qualify for.
- Submit your documents. You’ll be asked for things like pay stubs, bank statements and military service records to move forward.
- Get your Certificate of Eligibility (COE). Veterans United can help you request this document that proves you’re eligible for a VA loan.
- Review your loan offer and close. Once approved, you’ll get your loan estimate, lock in your rate and sign the final paperwork to close.
How Veterans United compares to other lenders
Disclaimer: The partners on Finder's mortgage comparison tables are sorted in alphabetical order.
Veterans United reviews and complaints
| BBB accredited | Yes |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 4.75 out of 5 stars, based on 1286 customer reviews |
| Trustpilot Score | 4.9 out of 5 stars, based on 11,879 customer reviews |
| Customer reviews verified as of | 10 April 2025 |
Veterans United receives high ratings on both the Better Business Bureau (BBB) and Trustpilot websites. An astounding 96% of all reviewers on Trustpilot give the company five stars, with an additional 3% giving four stars, meaning just 1% of all customers rate the company at three stars or less.
Those who praise Veteran United frequently comment on the helpful and knowledgeable customer service, often mentioning specific representatives by name. They also remark on how simple the process is compared to what they were expecting. Complaints surround issues including lack of organization, changes in closing costs, delays and an inability to reach their loan officer.
What do people on Reddit say?
Those who complain typically mention higher interest rates, a preference for local mortgage lenders and having their loan sold to another company soon after closing.
Frequently asked questions
What is Veterans United?
Veterans United is a mortgage lender based in Missouri that specializes in VA home loans for veterans, active-duty service members and surviving spouses. The company was founded in 2002 and has closed more than half a million VA loans since its inception.
Is Veterans United a trusted company?
Yes, Veterans United is a trusted company. In fact, it’s the top provider of VA loans in the entire country. The company is also accredited by the Better Business Bureau with an A+ rating and consistently receives high ratings from past customers on the Trustpilot website.
Is it hard to get approved by Veterans United?
Getting approved by Veterans United isn’t too hard if you meet basic requirements, like a 620 credit score and steady income. They work mostly with VA loans, so you’ll also need to meet VA eligibility rules. If your credit needs work, they offer free credit counseling to help you qualify.
Is Veterans United the actual lender?
Yes, Veterans United is a direct mortgage lender that’s licensed to operate in all 50 states.
What types of mortgages can I get through Veterans United?
Veterans United specializes in providing VA loans, but it also offers FHA, USDA, Jumbo, refinance and conventional loans.
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