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13,596 Reviews

Veterans United Home Loans Review

Popular choice for military families

Nadav Shemer

May 8, 2025

•

2 min

Veterans United Home Loans Summary

Veterans United Home Loans is a dedicated VA lender serving active and former members of the US Armed Forces. Veterans United issued more than 53,000 VA loans in 2019, making it the largest VA lender for the fourth consecutive year. Veterans United works with home buyers and owners from across the Armed Forces. Whether you’re retired, on active duty, or deployed overseas, Veterans United offers round-the-clock support.

Veterans United Home Loans Pros & Cons

Pros

Dedicated VA lender

24/7 customer service

Licensed in all 50 states

Cons

No conventional or FHA loans

No home equity loans

Unavailable to civilians without a direct military connection

NMLS #1907

Overview

Veterans United is one of only a handful of dedicated VA lenders. You won’t find conventional or FHA loans there, but you will find everything to do with VA loans. This includes VA purchase loans, as well as a range of refinancing options, including: VA Streamline, Interest Rate Reduction Refinance (IRRRL) and Cash-Out refinancing.

Suitable For?

VA loans are available to anyone who meets the minimum qualification requirements set by the Department of Veterans Affairs. Veterans United serves all of these people and it brings with it more experience in VA loans than any other lender. Veterans United goes above and beyond for its customers, including realty and advisory services built specifically for veterans by veterans

Types of Loans/Products

Veterans United offers only one type of home loan: the VA loan. A VA home loan is a loan offered by private lenders and partially guaranteed by the federal government’s Department of Veterans Affairs. The government’s involvement allows lenders to take on more risk than they would with an ordinary borrower.

Here are some of the features offered by Veterans United:

Veterans United Military Advisors, a team of former senior enlisted leaders from each branch of the Armed Forces whose mission is to educate veterans about homeownership and VA loans.
Veterans United Realty, an independent affiliate partner of Veterans United that offers a nationwide network of real estate agents with experience in serving Veterans.
Lighthouse Program, a free service that helps Veterans build their credit score and improve their financial picture before applying for a home loan.
Veterans United Foundation, which exists to help military-related families in need and also offers a biannual scholarship to service members and military families.
Regular promotional offers. For example, when we checked in, Veterans United and Realtor.com had teamed up to offer a competition with a first prize of $75,000 toward the purchase of a new home.

The Application Process

Veterans United accepts applicants online and by phone. Its agents offer a unique ability in helping veterans get through their home loan application. Aside from the close attention, applying for a loan from Veterans United is just like applying anywhere else. You’ll need to provide documentation about yourself and your finances, such as state ID or driver’s license, social security number, and tax filings.

Here are some specific things to know before applying for a VA loan from Veterans United:

Minimum eligibility requirements of either: 181 days on active duty in peacetime; 90 consecutive days active duty in wartime; 6 years in the National Guard or Reserve; or spouse of Veteran who died in the line of duty.
Minimum credit score of 600.
Minimum down payment of 0%.
No need to purchase PMI (private mortgage insurance).
Certificate of Eligibility from the VA is a strict requirement. Fortunately, Veterans United helps applicants secure this document.

Rates and Terms

Veterans United offers a choice between 2 repayment terms: a 30-year fixed-rate repayment or a 15-year fixed-rate repayment.

Like all other VA lenders, a VA loan from Veterans United includes a mandated funding fee of 2.15% of the amount of the loan (or 2.4% for members of the National Guard and Reserves). Surviving spouses and veterans receiving VA disability compensation are exempt from the fee. The fee can be reduced to 1.5% with a 5% down payment or 1.25% with a 10% down payment.

Help & Support

Unlike most lenders, Veterans United offers 24/7 customer service by phone. The reason for this is it allows troops deployed overseas to be able to get in touch whenever it suits them. Of course, anyone can use this service, even veterans or service people not on active duty.
Ph: (800) 884-5560

Summary

Veterans United does one thing, but it does it very well: VA loans. There are plenty of lenders and organizations out there dedicated to getting veterans into their dream home but few can claim to approach VA loans with quite the same dedication as Veterans United. If you qualify for a VA loan under the Department of Veterans Affairs eligibility requirements, then we highly recommend asking for a quote from Veterans United.

Physical Address

Veterans United

1400 Veterans United Dr.

Columbia, MO 65203

FAQs

Is Veterans United affiliated with the Department of Veterans Affairs?

No. VA loans are guaranteed by the Department of Veterans Affairs but provided by private lenders. Veterans United is one of more than 1,400 private lenders that offer VA loans.

What is the difference between VA eligibility and loan approval?

The Department of Veterans Affairs determines eligibility for the VA loan program. Only a home buyer with a VA certificate of eligibility may apply for a VA loan. As a private lender, Veterans United has the sole decision over whether to approve each person who applies to it for a VA loan.

Is Veterans United really the largest VA lender?

Yes, according to the Department of Veterans Affairs’ official data, Veterans United was the largest provider of VA loans in 2018 by number of loans (53,328) and total loan amount ($12.82 billion). Based on the VA’s data, 8.53% of all VA loans issued in 2019 were issued by Veterans United.

Who operates Veterans United?

Veterans United was founded in 2002 by brothers Brant and Brock Bukowsky. It is operated by Mortgage Research Center, LLC, a privately owned company based in Columbia, MO.

NMLS #1907

Nadav Shemer

Nadav Shemer is an insurance expert at BestMoney.com, with a background in financial journalism, hi-tech, and startups. He has covered business, tech, and energy for various publications and enjoys exploring the latest innovations in insurance to help readers make informed decisions.

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Colby

8 hours ago

Amazing Service!

The entire team really was amazing. We had Ty Reece, Natascha and Max as our go to contacts - we know there were many working behind the scenes also. We really couldn’t brag on them enough! They were wonderful and walked us through every step. Home buying is a crazy process, but we really felt like they were on our team and had our backs. To the entire team, no notes, you guys rock! What you do matters to us!

Devon

8 hours ago

There are moments in life that you’ll…

There are moments in life that you’ll never forget, and purchasing my home is one of them. I can say without hesitation that Veterans United exceeded every expectation I had. From the very beginning until the day I closed, I was treated with professionalism, respect, honesty, and genuine care. At no point did I ever feel like I was just another customer—I felt like I had an entire team that was personally invested in helping me succeed. I want to sincerely recognize my incredible team: Thomas Hall, my Loan Officer; Christie Thomason, my Transactions Coordinator; and Gavin, my Home Buying Concierge. Each of them played a vital role in making this experience as smooth and stress-free as possible. Thomas Hall was simply outstanding. His knowledge, professionalism, and dedication were evident in every conversation. He was always available to answer my questions, explain every detail, and provide reassurance whenever I needed it. He never made me feel rushed and consistently went above and beyond to make sure I understood every step of the process. His commitment to serving Veterans is something that should make Veterans United extremely proud. Christie Thomason was exceptional from start to finish. She kept everything organized, ensured every document and deadline stayed on track, and communicated with incredible professionalism and kindness. She made what could have been an overwhelming process feel effortless. Her attention to detail and ability to stay ahead of every step gave me tremendous confidence throughout the transaction. Gavin, my Home Buying Concierge, was equally phenomenal. He checked in regularly, made sure I had the resources I needed, and genuinely cared about my experience. His positive attitude, responsiveness, and willingness to help made a lasting impression. What impressed me most wasn’t just how knowledgeable this team was—it was how much they genuinely cared. Every phone call, every email, and every interaction reflected a team that takes tremendous pride in serving Veterans and helping families achieve homeownership. That kind of dedication can’t be taught; it comes from people who truly love what they do. Because of this team, what could have been one of the most stressful experiences of my life became one of the most exciting and rewarding. I would recommend Veterans United without hesitation to every Veteran, service member, and military family I know. To the leadership at Veterans United: this team represents the very best of your organization. Thomas Hall, Christie Thomason, and Gavin exemplify professionalism, integrity, compassion, and excellence in customer service. Employees like these don’t just meet expectations—they redefine them. They deserve to be recognized because they made a lifelong dream become a reality. Thank you, Thomas, Christie, Gavin, and everyone at Veterans United. I will never forget what you did for me, and I will proudly recommend Veterans United to every Veteran I meet.

Robert

17 hours ago

Great Job

Matt and Jackson were both professional and determined to help. I appreciate all their efforts. There were some ups and downs in getting to the finish line and they held steady and got the job done.

Jovan

1 day ago

CLOSERS

Brian was amazing!!

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