4.9
Editor's Rating0
User Rating (0 Reviews)Veterans United Home Loans is a mortgage company that specializes in VA (Veterans Affairs) loans. They help veterans, their family members, and other military service personnel get loans backed by the US Department of Veterans Affairs.
Pros
Cons
Veterans United Home Loans is an online mortgage lender that primarily focuses on VA loans. Their mission is to help veterans become homeowners. As one of the largest VA mortgage lenders in the US, they often offer lower interest rates than the national average.
Additionally, Veteran United offers a range of financing options, such as conventional, jumbo, and FHA loans, to serve a broader group of homebuyers.
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✍️ Editor’s Take: Veterans United has a 100% online process, competitive interest rates, and stellar customer service. However, many borrowers alleged that the lender transfers mortgages to third-party companies.
Key Takeaways
- Veterans United is a popular money lender that provides VA loans to veterans and their family members through an online process.
- Best For: Homebuyers who want convenience, quick approvals, and minimal paperwork.
- Ratings and Reviews: Average 4.4-star rating based on a total of 14,413 reviews.
- Customer Experience: Mostly positive. Many borrowers appreciated the seamless online process and found the team responsive. While some complained about last minute paperwork and delays.
- Reputation: Strong reputation. Holds an A+ accreditation on BBB.
- Pros: Lower interest rates, experienced agents, advanced online tools, and protection from scammers.
- Cons: No home equity loans, delay in closing, extensive paperwork, and unexpected mortgage transfer.
- Coverage: Services available nationwide.
- Alternatives: Navy Federal, USSA, and Rocket Mortgage.
Is Veterans United Home Loans Legit?
Yes, Veterans United Home Loans is a legitimate mortgage lender. Headquartered in Missouri, the company was founded by brothers Brant and Brock Bukowsky in 2002. Moreover, as per the Veterans United website, they have been one of the best VA lenders for the past decade.
Veterans United Reviews
We compiled ratings and reviews on Veterans United across platforms such as Google, Trustpilot, Yelp, and Better Business Bureau. The company has an average 4.4-star rating based on a total of 14,413 reviews.
13,314 reviews are from Trustpilot, where Veterans United has a 4.9-star rating. On Google, they have 4.6 stars from 176 reviews.
On Yelp, they have a 3.7-star rating based on 346 reviews. Additionally, they are an A+ accredited BBB company with 4.6 stars from 577 reviews.
| Website | Rating | Review Count |
|---|---|---|
| Trust Pilot |  | 13314 |
 | 176 | |
| BBB | | 577 |
| Yelp |  | 346 |
| Weighted Average |  | 14,413 |
Many positive reviews of the company highlighted that borrowers were happy with the professionalism shown by their agents and the low Veterans United home loan rates. However, the company’s complaints mentioned:
- Delays in closing the home purchase
- Last-minute paperwork
- Unexpected mortgage transfers to third-party companies
Veterans United Reviews: Praises
✅ Alexis shared that the Veterans United team helped them and their family throughout the loan process. They found the company to be helpful and responsive.
The Veterans United team was extremely helpful, user-friendly, and super responsive throughout the entire loan process. Their support to my family was top-tier before, during, and even after the formal loan process. I have already begun recommending Veterans United to my friends and coworkers.
Source: Trustpilot
✅ Ted stated that their experience of obtaining a mortgage was the easiest ever with Veterans United. The team was very responsive and kept them updated on every step of the process.
The process was the easiest that I have ever experienced when obtaining a mortgage. Adam and the team were very proactive and responsive. I would receive calls, text messages, and emails during the process to keep me informed or to just ask how things were going.
Source: Trustpilot
✅ Veterans United quickly connected B. Brown with a local agent after they answered a few questions. The agent helped the buyer successfully close their home within a short time-frame. Overall, they felt cared for and found the company to be credible.
On a Saturday in July (2025) I answered a few simple questions & within moments I had several emails connecting me to resources. Soon after, the same day, an agent, local to my purchase preference site, called me directly. On Sept 6th, she (my agent) & I had my forever home closed upon & everything was great. Y’all do good work & I felt very cared for. I purchased out right so I didn’t need a loan. But with your program, I worked with a most excellent agent that you had already vetted for me. Credibility from you all & from her is unmatched for home buying. Thank you!!
Source: Google
Veterans United Home Loans Reviews: Complaints
❌ Jonathan Dean had an awful experience with Veterans United. They had to repeatedly submit documents, even just days before the closing. Despite strong financial qualifications and seeking a loan for only 35% of the home’s value, they faced many difficulties.
Getting a mortgage with Veteran’s United has been an absolutely awful experience. They offered the same interest rate as Navy FCU and had good reviews so I decided to use this company… what a mistake! I have been submitted documents over and over and it’s now 7 days from closing and I’m still submitting documents. 7 days from closing! This is my 4th mortgage and I’ve never had an experience like this. I regret ever contacting this company. For background, I’m putting down approximately 65%, asking for a loan for 35% of the home’s value, the mortgage payment would be less than 20% of my monthly income.
Source: Trustpilot
❌ Steve Silliman advised people seeking VA loans to go for a local lender rather than Veterans United. They accused the company of showing a lack of effort and not conducting proper due diligence to make sure the buyer received the loan.
This company is way more harmful than good. If you are trying to use a VA loan, go with a local lender that can do VA. These people won’t even take the time to do their due diligence and make sure you can get a loan. Then when called out on their lack of effort they just blame it on the Veterans Administration. When it was entirely their lack of effort. Even spoke to a supervisor who was as useless as their loan officer. Thankfully I have a local Mortgage person that put in some effort and got me a loan. Will tell everyone I ever meet to use any company but this one.
Source: Google
❌ Jimmy Elkins shared that they lost over a thousand dollars after a seller backed out of the home sale a few days before the closing. They blamed Veterans United and said that the homeowner backed out after the company asked for a last-minute water quality test on the property.
Veterans United wanted a water test done on the property a couple of days before closing. The seller backed out of the deal because this was going to delay closing and I am now out over a thousand dollars for the appraisal, termite inspection and home inspection!!!
Source: Trustpilot
Veterans United VA Home Loan Pros and Cons
We analyzed numerous Veterans United reviews and found both benefits and drawbacks of their services.
✅ Pros
- Lower Interest Rates: Veterans United mortgage rates are lower than the industry average.
- Experienced Agents: Veterans United is one of the best mortgage lenders for VA loans and boasts a team of real estate agents with a lot of experience. As a result, many buyers like Mark S. praised their loan officer for guiding them during the whole process.
- Advanced Online Tools: Veterans United equips first-time buyers with tools, like the VA Loan Calculator, payment management systems, etc., to make the process easier.
- Protection From Scammers: Many homebuyers were sceptical about sharing their contact details with Veterans United, fearing spam calls. However, Alexandros A. shared that the company has a system in place to restrict scammers from reaching out to you.
❌ Cons
- No Home Equity Loans: Veterans United doesn’t offer home equity loans or HELOC loans.
- Delays in Closing: Many buyers’ complaints highlight that Veterans United introduced last-minute changes or inspections of the properties, which led to the home sale falling through.
- Extensive Paperwork: Customers shared that Veterans United had them repeatedly share documents until a few days before the closing, which made the process very stressful. Moreover, buyer Andres Betancourt stated that after submitting an enormous amount of personal information, the company disqualified their loan application.
- Unexpected Mortgage Transfer: Some buyers complained that Veterans United unexpectedly transferred their mortgage to another company after closing. For instance, Janet B. used Veterans United’s services twice, and both times, their mortgages were transferred to third-party companies.
Veterans United, USSA, Rocket Mortgage, etc are some of the best lenders for VA home loans. Take a look at Veterans United alternatives where we have compared the services of some of the best VA home lenders.
Eligibility for VA Loans
Veterans United specializes in VA loans. The eligibility criteria for Veterans United VA loans are:
- Served 90 consecutive days of active duty during wartime.
- Completed 181 days of active service during peacetime.
- Accumulated 6 years of service in the National Guard or Reserves, or served 90 days (with at least 30 days consecutively) under Title 32.
- Qualified as the spouse of a service member who died while serving or due to a service-related disability.
- Discharged due to hardship, at the convenience of the government, as part of a reduction in force, or due to a medical condition or a service-connected disability.
- Discharged early and completed a minimum of 21 months out of a 2-year enlistment commitment.
Veterans United VA Loan Mortgage Rates
Veterans United gives you estimates for only VA loan interest rates and not for any other types of loans. For other loans, you can get a customized quote on their website. Fill out details about your income, housing allowance, debt payment, and down payment.
As of May 7th, 2026, Veterans United VA home loan rates are:
| Parameters | 30-Year Fixed VA Purchase Loan | 20-Year Fixed VA Purchase Loan |
|---|---|---|
| Rate | 5.500% | 5.500% |
| Points | 1.6880 ($4979.60) | 1.6880 ($4979.60) |
| APR | 5.9% | 6.0% |
Disclaimer: Rates are based on a credit score of 720.
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🚨Important: Since VA home mortgage rates can change frequently we advise you to check their most recent interest rate on Veterans United website. You can also call the Veterans United phone numer provided on the site and get more apt updates.
How to Apply For a Mortgage?
On Veterans United’s website, click the ‘check your eligibility’ button. If eligible, your account will be created, and you will be prompted to another extensive form.
This form will require information about your purchase, personal income, and finances, including any property you already own or any other source of income you have.
Lastly, Veterans United runs a soft credit check. You can expect to hear from them within 1 business day via mail or call.
Veterans United Realty Fees
Although the Veterans United website does not mention a fee, we found reports that alleged that the company charges 1% of the loan amount. This includes origination, processing, and underwriting fees, or a minimum of $3,500.
These fees are in line with the industry standards of VA home loan lenders. Veterans United also reportedly charges VA funding fees. This is a one-time cost and ranges from 1.25% to 2.15% of the loan’s amount.
Veterans United Competitors
With our thorough research, we found three other top VA loan lenders: Navy Federal, USSA, and Rocket Mortgage. Here’s how these VA approved lenders compare to Veterans United on the metrics of interest rates, finance solutions, and variety of options.
1. Interest Rate: Veterans United vs. Navy Federal
Veterans United loans have an interest rate of 5.5% for a term of 30 years. Meanwhile, their APR is as low as 5.9%.
Navy Federal advertises a slightly lower interest rate at 5.3% for a term of 30 years. Plus, their APR is also lower than that of Veterans United at 5.8%.
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🚨Important: Although the percentage difference is slight between Veterans United and Navy Federal, over a long period of time, you can end up saving more with Navy Federal.
2. Finance Solutions: Veterans United vs. USSA
Veterans United provides essential services that can help veterans with their home-buying process. Along with offering VA loans, they also provide online tools to make the home purchase easier.
Meanwhile, USSA offers a wide range of services, serving as an all-in-one financial platform for veterans. Along with banking solutions, they offer insurance, investments, and money management services.
3. Variety of Options: Veterans United vs. Rocket Mortgage
Veterans United can offer you conventional, jumbo loans, and other types of loans. However, they specialize in helping out veterans take VA loans. As a result, your lending process might not go as smoothly when applying for a conventional loan with the company.
Rocket Mortgage, on the other hand, has vast expertise with all types of loans. They can offer you a VA loan. However, in case you don’t qualify for one, you can still use their services to apply for other types of mortgages.
Veterans United Home Loans Locations
Veterans United Home Loans is licensed and serves in all 50 states and D.C. Their web portal allows them to extend services throughout the nation.
Veterans United’s online approach is helpful. You can easily apply for a mortgage and track its progress. You can also contact their customer service, which is available 24/7.
| States | Cities |
|---|---|
| Alabama | Serving Fort Novosel |
| California | Auburn, San Diego |
| Colorado | Colorado Springs |
| Florida | Tempa |
| Georgia | Augusta, Hinesville, Savannah |
| Hawaii | All Islands |
| Idaho | Mountain Home |
| Illinois | Scott Air Force Base |
| Kentucky | Fort Knox |
| Nebraska | Omaha |
| North Carolina | Fayetteville, Jacksonville |
| Oklahoma | Fort Sill, Oklahoma City |
| South Carolina | Charleston, Greenville |
| Tennessee | Clarksville |
| Texas | Austin, Killeen, San Antonio |
| Virginia | Hampton Roads |
| Washington | Puyallup |
Is Veterans United a Good Mortgage Company?
Yes, if you are looking for VA loans, Veterans United Home Loans is a good choice for you. They offer competitive rates and 100% customer satisfaction. However, if you are looking for other types of loans, you might want to do a bit more research.
Veterans United doesn’t provide many details about other loans on their website. Therefore, we can’t recommend them for it.
We conducted thorough research on Veterans United to provide an unbiased and fact-based analysis. Our research compiled data on real customer experiences from credible sources. To maintain accuracy, the methodology included:
- Credible Reviews: We gathered reviews from sources such as Google, Yelp, Trustpilot, and BBB to ensure accuracy.
- Qualitative Analysis: We analyzed reviews to identify common themes and gauge overall customer sentiment.
- Objective Insights: To highlight both pros and cons, we summarized all the reviews and offered neutral insights.
Veterans United FAQs
1. What is Veterans United?
Veterans United is a mortgage lender that specializes in VA loans. They offer competitive interest rates and stellar customer service to eligible veterans. They also offer other types of loans. However, they don't provide any information about these loans on their website, so you need to contact their customer service to know the interest rates.
2. Is Veterans United legit?
Yes, Veterans United is a legitimate company. They they have been one of the best VA loan lenders in the US for the last 10 years. Moreover, Veterans United reviews have an impressive rating of 4.4 out of 5-star reviews, showcasing their customer satisfaction.
3. Does Veterans United offer conventional loans?
Yes, Veterans United offers conventional loans. However, they do not offer any information about these loans on their website. If you are looking for conventional loans, you can go for either Better Mortgage or Rocket Mortgage. They offer competitive rates and stellar customer services.
4. Does Veterans United sell their loans?
Yes, they do. Multiple customer reviews of Veterans United talk about it. These reviews also highlight the problems they had to face due to this practice. The problems usually occur because the lenders that purchase these loans have different policies than Veterans United.
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