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Veterans United

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LAST UPDATED: September 7th, 2023

Veterans United Home Loans offers VA home loans and VA refinancing in addition to USDA loans, FHA loans, and conventional loans. Founded in 2002, Veterans United is headquartered in Columbia, Missouri, and is #23 on the 2019 Fortune 100 Best Companies to Work For list.

According to the Department of Veterans Affairs, more veterans chose Veterans United than any other VA lending in 2018. So what makes this lender so popular?

Top Ranked Companies


The Good

  • Veteran Expertise
  • Affordability Snapshot
  • Educational Resources

Veteran Expertise

This company’s entire brand is focused on serving active duty and retired service personnel and its mission, resources, and products reflect that. Veterans United offers VA purchase and refinance loans as well as USDA loans, FHA loans, and traditional mortgages in cases where the VA benefit has been exhausted or one of the other loan types makes more sense for the borrower.

In addition to loans, Veterans United offers connections to Veterans United Realty, an organization that helps borrowers find a real estate agent that knows the intricacies of the VA Benefit Program and understands the unique needs of veterans and active duty military members.

If prospective borrowers don’t have a high enough credit score to qualify for a loan, they can take advantage of the Veterans United Lighthouse program, a free service that provides tools to help improve your financial profile, specifically improving credit.

Affordability Snapshot

The Veterans United affordability calculator is one of the most thorough home buying calculators we’ve seen. You can use it to estimate your loan pre-approval amount based on your income and expenses, a 15- or 30-year loan term, credit score, interest rate, homeowners insurance, and property tax. After entering the values, you can move the cursor to see how changing variables affect your results. To get a more precise quote, fill out a form and discuss with a company representative.

Educational Resources

The company shows that it values informed customers by providing a guide to VA homebuying, VA loan glossary, eligibility guidelines, first-time homebuyer resources, purchasing options, contract guidelines, and a guide to responsible homeownership.


The Bad

  • Limited Branch Locations

Limited Branch Locations

Veterans United has licensed loan officers in all 50 states, but has local branch office locations in only 18 states: Alabama, Alaska, California, Colorado, Florida, Georgia, Hawaii, Idaho, Illinois, Kentucky, Nebraska, North Carolina, Oklahoma, South Carolina, Tennessee, Texas, Virginia, and Washington.


The Bottom Line

Veterans United specializes in loans, real estate services, and credit-building for veterans so there isn’t a company better equipped to meet veterans’ needs. It’s clear that this lender values its customers’ financial know-how and overall well-being.

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Michelle Charles Fredericksburg, VA

We purchased our home through VA United they were there every step of the way. The agents were very helpful and knowledgeable. We applied in May and moved to our home in July.

2 months ago Edited September 11, 2023

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Mark Cave

They did pre-approved me for a home loan, but it was too low for the area I wanted to live in. They also assigned me a real estate agent to help me. The agent tried her best to get me in a house but we just couldn't find anything within the pre-approved margin. I ended up not being able to find a house. I'll give them three stars for at least trying.

4 months ago