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Veterans United Home Loans

4.5 Stars (1 Review)
Updated: February 3, 2023
By: Jeff Smith
Jeff Smith
Sr. Content Manager
As Retirement Living’s senior content manager, Jeff oversees the product and publishing of all retirement, investing, and consumer wellness content on the site. His extensive expertise in brand messaging and creating data-driven stories helps position Retirement Living as a top authority for senior content and community resources.
Sr. Content Manager
Edited By: Jeff Smith
Jeff Smith
Sr. Content Manager
As Retirement Living’s senior content manager, Jeff oversees the product and publishing of all retirement, investing, and consumer wellness content on the site. His extensive expertise in brand messaging and creating data-driven stories helps position Retirement Living as a top authority for senior content and community resources.
Sr. Content Manager

Veterans United Home Loans serves the distinct needs of veterans and active duty members as the largest VA loan lender in the country with over 27,000 loans provided to veterans in 2017. From VA funding fees to second-tier entitlements, Veterans United Home Loans understands the intricacies of this popular mortgage option for U.S. service members and veterans.

Editorial Breakdown

Account Options 4.8 Stars
Resources 4.8 Stars
Customer Service 4.5 Stars
Mobile Banking 4.8 Stars

Overall Rating 4.7 Stars

Bottom Line

Veterans United Home Loans offers VA home loans and VA refinancing options. Check to see if you're eligible for a VA loan directly from their website and see up-to-date rates. Check out our picks for the top VA lenders by clicking the link below.

Veterans United Home Loans Review

Veterans United is a dedicated VA loan lender, so the company’s agents understand the regulations that must be followed to ease the way for eligible veterans to purchase or refinance a home. The Client Advocate Team is available 24 hours a day to serve deployed service members around the world, and the website offers a comprehensive VA loan education center so veterans can get mortgage information at their convenience.


  • Customer service is available all day, every day
  • Highest scores for customer satisfaction
  • Lighthouse Program free financial consultations help veterans with poor credit


  • No conventional mortgages offered for comparison

Veterans United Home Loans Mortgages

Veterans United Home Loans is not directly affiliated with the Veterans Association (VA), but is an approved VA loan lender and closes the most VA loans of all lenders. Veterans United Home Loans offers three types of mortgages:

  • VA Purchase Loan: Mortgage used by veterans to purchase a primary residence. VA Purchase Loans are available to first-time homebuyers and veterans who paid off a VA mortgage loan and want to move to a new home.

  • VA IRRRL: Often referred to as a VA Streamline loan, this refinancing option is technically an Interest Rate Reduction Refinance Loan and is available to veterans to refinance a VA loan, usually to take advantage of better interest rates.

  • VA Cash Out Refinance Loan: This loan is used to refinance a conventional mortgage loan into a VA loan or as a home equity loan so veterans can get cash out of the equity in their property.

Veterans United Home Loan Costs and Lighthouse Program

As part of their commitment to helping veterans on their path to homeownership, Veterans United Home Loans offers the free Lighthouse Program to assist veterans and current service members with improving their credit scenario. The goal of this program is to guide those who do not qualify for a VA home loan toward the goal of qualifying sometime in the future. The Lighthouse Program helps military members find and repair credit report errors, develop a budget and financial plan, set personalized debt reduction goals, and reduce debt to income ratio. The Lighthouse Program provides one-on-one free financial consulting with convenient online resources to help veterans meet their goals.

Veterans United Home Loans
Facts and Features
Online Mortgage Analysis Tools
  • Eight section guide to VA home loans.
  • VA Home Loan Affordability Calculator estimates preapproval amount.
  • VA Loan Limit Calculator shows monthly mortgage payment that will fit the applicant’s budget.
  • 10 VA Loan topic-specific guides.
Customer Service
  • Available via phone 24/7.
  • Average customer service satisfaction rating of 4.7 out of 5.
  • Lighthouse Program assists with raising credit scores to ensure applicant can qualify for a VA loan.
Community and Veteran Support
  • Employee-supported Veterans United Foundation contributes to nonprofit organizations that strengthen communities and honor the sacrifices of service members.
  • Over $30 million in donations to current and former military members in need.
  • Works with former senior enlisted members of all armed forces branches to provide VA loan education and awareness.

Veterans United Home Loans Realty

Veterans United Home Loans has a referral network of over 5,000 veteran-friendly realtors across the country. Veterans United Home Loans can help veterans find a real estate agent who is very familiar with VA property requirements for more efficient use of time while shopping for a home. Veterans United Home Loans Realty also assists with information about loans outside of the VA program to determine if one of those mortgages may be a better option for the homebuyer.

Veterans United Home Loans Complaints

Veterans United Home Loans has a 5-star customer review rating with the Better Business Bureau. Complaints about underwriting and overcharges were resolved long ago after Veterans United amended their loan process to eliminate the error, and the company paid restitution to the affected customers. Consumer research firm, J.D. Power’s 2017 Mortgage Origination Satisfaction study found that Veterans United Home Loans had the highest overall score of 889 compared to an 826 industry average on a 1,000 point scale. Veterans United scored highest in each of the individual study categories as well.

Veterans United Home Loans scores a 5 out of 5 stars on Trustpilot and a 9.8 out of 10 customer trust rating. The lender scores a 4.25 out of 5 stars on ConsumerAffairs, where customers noted appreciation for lower interest rates, a high level of trust and help with raising credit scores so they could qualify for a mortgage.

Veterans United Home Loans FAQ

  • Do Veterans United Home Loans mortgages carry a VA funding fee?

    Unless you fall into one of the narrow exempt categories, all VA loans include a funding fee. Veterans United Home Loans provides an online calculator to help you determine how much your VA funding fee will be.

  • Does Veterans United Home Loans handle other loans for veterans?

    No. If veterans need another mortgage option such as a conventional mortgage or a reverse mortgage, they will need to seek financing with another lender.

  • Are the interest rates on the Veterans United Home Loans website guaranteed?

    Sample rates shown on any mortgage lender website depend on many factors, such as the loan amount, borrower’s credit score, eligibility rating, rate lock cycle and more. Speak to a Veterans United representative to discuss your interest rate.

  • Where are Veterans United Home Loans offices located?

    Veterans United serves all 50 states, but there are currently 24 offices across the country. VA loans are processed almost entirely online if there is no branch office near you, and a local closing agent can handle closing on the loan.

  • I’ve already used my VA loan entitlement. Can I get a new loan with Veteran’s United?

    The Veteran’s Administration will allow you to restore your loan eligibility just once so you can buy a second home after paying off the first VA loan. If you plan to buy your first home, there are no limits on restoring the VA loan eligibility for a new purchase.


From the online tools on the Veterans United Home Loans website to the excellent customer service and a mission to assist veterans, this lender is with the customer through each step of the VA loan process. If you can’t qualify for a VA loan immediately, the Lighthouse Program will show you how to get your finances in order so you can eventually be eligible. Veterans United Home Loans is an excellent lending option for VA loans with a high rate of customer satisfaction.

1 Veterans United Home Loans Reviews

Write Review
1 Star

January 28 2021 8:05AM

I applied for a loan through Veterans United Home Loans with the assumption that the company would be friendly to a veteran. The requirements and paperwork they required kept growing with more and more ridiculous things being added once the active list was completely.

It almost became comical- one example being asked to have the pest inspector return for round 2 to inspect two completely metal sheds on the property! A true waste of time and energy!

I finally just gave up and went to my hometown bank. Do not deal with this company. It's not worth the headaches!

Matthew B.
Franklin, NC