Veterans United Home Loans Review 2026
Last updated on February 13, 2026
Written byĀ
Lead Writer & Content StrategistWritten byĀ
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Our Take
5.0
VA loans
NerdWallet rating
The Nerdy headline:
Veterans United is a top dog in VA lending, originating more VA mortgages than any other lender. Impressive customer service includes free credit counseling and a 24/7 call center. However, average fees are on the higher side. Itās a solid pick for veterans and military borrowers looking for a VA loan with ample support along the way.
Jump to:Full Review
Min. credit score
620
Min. down payment
0%
Loan types and products
Purchase, Refinance, Jumbo, Fixed, Adjustable, FHA, VA, USDA
Pros
- Offers a range of VA mortgages, including refinance, energy-efficient and jumbo.
- 24/7 customer service line supports servicemembers stationed internationally.
- Average time to close is 34 days, faster than the national average.
Cons
- Average origination fee is on the higher side, according to the latest federal data.
- Website doesnāt have online chat.
- No renovation loans.
Lender | Min. credit score | Min. down payment | |
|---|---|---|---|
 Visit Lenderat New American Funding at New American Funding | N/A | N/A | Visit Lenderat New American Funding at New American Funding |
 Visit Lenderat Tomo at Tomo | 600 | 3% | Visit Lenderat Tomo at Tomo |
 Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC | 580 | 3.5% | Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC |
5.0 Visit Lenderat Veterans United at Veterans United | 620 | 0% | Visit Lenderat Veterans United at Veterans United |
 Visit Lenderat Chase at Chase | 620 | 3% | Visit Lenderat Chase at Chase |
Full Review
At a glance: Veterans United mortgage options
Veterans United Home Loans is a nonbank lender based in Columbia, Missouri. Loans are available nationwide.
As its name suggests, Veterans United largely focuses on VA loans, which are mortgages backed by the Department of Veterans Affairs. But it also offers a variety of conventional and government-backed mortgages, too.
š Common mortgages
ā¢ Fixed- or adjustable-rate
ā¢ Conventional
ā¢ FHA
ā¢ VA
ā¢ USDA
ā¢ Jumbo
ā¢ Rate-and-term refinance
š Specialty loans
ā¢ IRRRL
ā¢ Energy-efficient mortgages
ā¢ Second homes
ā¢ Self-employed borrowers
ā¢ Construction-to-permanent loans
ā¢ Manufactured homes
šµ Home equity
ā¢ HELOC
ā¢ Home equity loan
ā¢ Cash-out refinance
Veterans United offers customers home equity loans and lines of credit through a partner lender. Interested customers can contact VU customer service, who will do an initial screening and determine which product is the best fit. The borrower is then connected with the partner, U.S. Bank, for a HELOC or a home equity loan.
Ā» MORE: How to choose a mortgage lender
Veterans United special offers and discounts
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 servicemembersĀ
- Veterans United Insurance, a brokerage service that reviews customized quotes from partner insurance companiesĀ
- Free credit counselingĀ
NERDY EXPERT
Jesse Haddad | Loan Officer at NextDoor Lending, a wholly owned subsidiary of NerdWallet
āIf you get VA Disability Income, the VA loan actually allows you to do something called āgrossing the income upāā¦ So let's say a veteran's getting $3,000 a month ā what the VA lets you do is you can actually multiply that by 1.25%, to give them more income as if they were working a job and they were only [netting] that $3,000.ā
What does Veterans United specialize in?
No surprise here: More than nine out of 10 mortgages originated by Veterans United last year were VA loans, according to federal data.
Veterans United Home Loans reputation and customer experience
NerdWalletās star ratings look at objective factors like rates, fees and loan options. To give you a sense of what the borrower experience is really like, we pulled the latest customer satisfaction scores from J.D. Power and Zillow, and we contacted the lenderās customer support.
2025 J.D. Power U.S. Mortgage Origination Satisfaction Study
778
out of 1,000
Above-average satisfaction score: average = 760.
Mortgage origination covers the application through closing.
Zillow Mortgage Lender Customer Rating
4.77
out of 5
Average rating as of the date of publication.
Rating reflects more than 5,800 customer reviews.
Veterans United Home Loans customer service options
Veterans United has 24 branch locations, with many near military bases or in close proximity to other military hubs. Hereās how you can get in touch:
Ways to reach Veterans United
Physical branches . . . . . . ā
Phone support . . . . . . . . . ā
Mobile app . . . . . . . . . . . . ā
Online chat (bot) . . . . . . . š«
Online chat (human) . . . . š«
š¤ Our Nerds say... impressive commitment to customer service
Abby Badach Doyle, lead writer, mortgages
Veterans United has 24/7 phone support ā handy if youāre overseas ā or you can also email customer service. Thereās no online chat, which is surprising for a service-oriented lender. But thatās a small trade-off considering its other uncommon perks, like offering credit counseling free of charge to any veteran.
Ā» MORE: How to apply for a mortgage
Alternatives to a Veterans United mortgage
Our biggest tip: Get offers from at least three different mortgage lenders. Comparison shopping can save you thousands of dollars. You can get rate quotes yourself, or work with a mortgage broker to shop around on your behalf.
If you want to stick with a military-focused lender that really knows VA loans, Navy Federal Credit Union could be another good fit.
Pennymac also did about half of its business in VA loans last year, and its average interest rates are among the lowest of all lenders we reviewed.
Ā» MORE: Best VA mortgage lenders
More from NerdWallet
Methodology
NerdWalletās VA ratings for mortgage lenders are evaluated based on four major categories: VA loan rates and origination fees, VA market share and business share, rate transparency to consumers, variety of VA loan types 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 NerdWalletās 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.