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Veterans First Review

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Reviews 1,669

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Bestmoney Staff
Bestmoney Staff
Jul. 15, 20214 min read

Veterans First summary

Veterans First Mortgage was founded in 1985 to provide a specialized mortgage service to veterans and military personnel. It offers VA and FHA loans to eligible borrowers across the United States, with competitive rates, low closing costs, and zero or minimal down payments.

Pros

  • Specializes in working with military veterans
  • Offers a wealth of free educational tools and resources
  • Borrowers can complete application online or by phone

Cons

  • Doesn’t have significant experience in conventional loans
  • Doesn’t offer a wide range of mortgage products
  • No online quotes

Veterans First Mortgage at a Glance 

Loan types
Home Purchase, Home Refinance
Featured Loans
VA, FHA
Repayment terms
15-30 years
Suitbale for
Military veterans who want a lender they can trust

Overview

Veterans First requires its employees to undertake a mandatory course called Operation Vet-Centric which gives them an insight into what it means to serve in the military and how they can help you. 

Suitable For?

Veterans First does accept civilian customers, though its primary goal is to serve current and former service members and surviving spouses. Around 90% of Veterans First’s loans are for VA Loans, so it’s fair to say it’s one of the nation’s leading professionals when it comes to this government-backed mortgage. It also offers free tools and resources to help vets understand VA Loan requirements and benefits.

Types of Loan Products

Veterans First offers government-backed VA, FHA and conventional loans. 

It supplies VA home loans to:

  • People who have served 2 years in regular military branches

  • People who have served  6 years in the Reserves or National Guard

  • People who have served  90 days in active duty during wartime

  • People who have served  181 days in active duty during peacetime

  • Spouses of veterans who died in the line of duty or as a consequence of a service-related injury. 

Borrowers must have been employed for 2 years, have enough residual income to live on after monthly mortgage payments.

A VA loan from Veterans First includes the following features:

  • No down payment. Applicable if the price paid for the home doesn’t exceed its appraised value. 

  • No private mortgage insurance (PMI). With FHA loans, the borrower is required to purchase PMI. But with VA loans, the Department of Veterans Affairs (VA) insures about 25% of the VA loan, meaning there’s no need for the borrower to do so.

  • Low closing costs. The VA limits the amount borrowers can pay in closing costs for a VA loan. 

  • VA funding fee. In return for the favorable terms offered by the Department of Veterans Affairs, most approved borrowers must pay this fee. The rate is determined by the level of down payment.

The Application Process

To apply for a VA loan or FHA loan, call Veterans First or click “Start your loan” on the website and fill out your name and phone number to have a loan officer call you. 

After you provide basic details about yourself, your income, the home you’re planning to purchase, and you’ve proven your eligibility for a VA loan, the loan officer will offer you a pre-qualified rate and outline which documents you’ll need to provide.

Borrowers may provide documents online. The documentation is fairly similar to that you’d be asked to provide by other lenders for VA, FHA, or conventional loans. It includes:

  • Proof of identity and address

  • Social Security number (so the lender can run a credit check)

  • Proof of income

  • Tax statements

Here are 4 basic guidelines to being approved for a Veterans First VA loan:

  • VA entitlement: A Certificate of Eligibility (COE) is necessary to show you’ve met the service requirement and have the VA’s backing for the loan. The COE can be obtained from eBenefits website, by mail, or by filing VA Form 26-1880. Veterans First can also assist with the application.

  • VA certified appraisal: As a condition of taking out a VA loan, your home must pass an appraisal by a Department of Veterans Affairs-certified appraiser.

  • Occupancy: You, your spouse, or a dependent child must live in the home.

  • Income, credit, and assets: In addition to meeting lender requirements, your financials must also meet VA requirements.

Rates and Fees– The Bare Basics

VA loans are insured by the government, allowing lenders such as Veterans First to offer competitive rates to borrowers. However, interest and APR are dependant on you, the individual borrower, and therefore Veterans First doesn’t publish any rates on its website.

As mentioned above, closing costs are limited by law. The origination fee cannot exceed 1%. Other fees include: VA appraisal fee, credit report fee, prepaid fees for escrow, reasonable interest rate discount points, and certain other closing costs such as title insurance costs and recording fees.

Repayment Terms

All of Veterans First’s mortgages must be repaid over a period of 15, 20, 25, or 30 years.

Help & Support

Veterans First operates offices in Utah, California, Nevada, Arizona, and Missouri. To speak to a loan officer, use one of these channels:

  • Phone:  a toll-free number in operation during extended business hours (Mondays to Fridays, 6am to 6pm PT, 9am to 9pm ET).

  • Email

  • Fax

  • Contact form: Click the question mark symbol on the Veterans First website and fill out your contact details to have a loan professional call you. 

Summary

As the name suggests, Veterans First exists to help active and former military personnel purchase a home. It isn’t the only lender to offer VA loans, but it is one of the largest providers of VA loans and one of only a handful that exists solely to serve veterans. Veterans First operates nationwide and offers strong customer service in addition to a wealth of educational resources to help veterans better understand your mortgage options.

Veterans First FAQ

  • How else does Veterans First support the military?

Veterans First is involved in several external initiatives, including the Veterans Family Gift Shop in Salt Lake City, Utah, Fisher House dinners for families of hospitalized veterans, and care packages for U.S. troops abroad.

  • Where does Veterans First rank among VA lenders?

It has been one of the nation’s 10 largest VA lenders by loan origination value since 2010. And in 2009, it appeared on the Inc. 500 list of fastest-growing companies.

  • Where else can I read about Veterans First’s activities?

Veterans First has an active social media presence. It has more than 850,000 followers, and also operates Twitter, Instagram, and LinkedIn pages.

  • Has the company always been known as Veterans First?

Veterans First Mortgage was founded under the name iFreedom Direct, but changed its name to reflect its commitment to military veterans.

Physical Address

Veterans First Mortgage
124 Charles Lindbergh Drive
Salt Lake City, UT 84116

Bestmoney Staff
Written byBestmoney Staff

Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.

Veterans First
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  • author
    Juan Montoya
    Jan 01, 1970
    Janelle is an awesome person and the…

    Janelle is an awesome person and the ultimate professional. She communicated with us consistently every step of the way. Our realtor was a very difficult individual and fought us along the way and Janelle helped us deal with her. Without Janelle this probably would not have gone through. Thank you

    ...

  • author
    Barbara Coleman
    Jan 01, 1970
    Craig

    Craig, was without a doubt was very professional, efficient and helpful. I appreciated all his hard work getting everything together for my loan. You can’t go wrong with the company he represents.

    ...

  • author
    Ron
    3 days ago
    Just purchased my house using Veterans…

    Just purchased my house using Veterans First Mortgage. Great team all around there when you needed to ask questions or anything. Painless process keep up the great work and a special thanks to Matt.

    ...

  • author
    Chris Cobb
    4 days ago
    Denitra did an excellent job with…

    Denitra did an excellent job with communicating and keeping us updated. She is very knowledgeable and prompt to respond to questions and emails.

    ...

  • author
    Darryl Jackson
    Sep 22, 2022
    MR Jackson's review

    MR. James Altman was fast and thorough, could not have asked for a better experience refinancing our home . Thank you very much keep up the good work!

    ...

  • author
    Sandra Garland
    Sep 20, 2022
    Denetria Cosby is the BEST

    Denetria Cosby has been my loan officer on approximately 4 different occasions; Saying she is the best is an understatement!!! Professional, Knowledgeable, personable, and her word matches her actions….I totally trust her with my mortgage needs and don’t ever want to work with anyone else. She is an asset to the company that she works for

    ...

  • author
    CC
    Sep 18, 2022
    Denitra exemplifies professionalism

    Denitra exemplifies professionalism, expertise, and a caring demeanor. I would not have succeeded in this process without her calming and patient manner. I will not hesitate to reach out to her in the future for any loan services and will continue to tell friends and family about her. Denitra is the best.

    ...

  • author
    George Dickson
    Sep 15, 2022
    Connor is a great loan officer if it…

    Connor is a great loan officer if it hadn't been for him everybody else would have bailed out I appreciate everything you did for me he does know his job.

    ...

  • author
    RISE' COLQUITT
    Sep 14, 2022
    The experience was great and I’m…

    The experience was great and I’m extremely grateful to Alek for stepping in and making this transaction close smoothly

    ...

  • author
    Sarah
    Sep 13, 2022
    Janelle was AMAZING

    Janelle was AMAZING. Honestly I don’t have a single negative thing to say. She kept in contact with us through the whole home buying process. This was our first home and it felt easy with Janelle in our corner. She even worked with us while she was sick with Covid. She truly cared about us and we are so grateful for her. Thank you Janelle, we LOVE our first home.

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  • author
    Walter Ballard
    Sep 08, 2022
    We've worked with Ryan and the group at…

    We've worked with Ryan and the group at Veterans First over the past several months. With changing interest rates and a new construction home, things got to be quite difficult. I can honestly say that Ryan and his team not only worked diligently but professionally in their approach to our unique case. Communication was never an issue and options were always provided when we seem to be at a roadblock. I can honestly say if it weren't for Ryan's efforts along with the staff at Veterans First, we would have not been able to close on our new construction home. We have a great deal of respect for Ryan and his staff's capabilities and for the people at Veterans First. Given a choice of any lender. I would gladly choose them again without hesitation.

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  • author
    Kicia Bell
    Sep 08, 2022
    Just PHENOMENAL!

    Ms. Danielle was very helpful, patient, knowledgeable, kind and respectful. She made me feel at ease throughout the entire process. There are so many great things I can say about her...but unfortunately, there isn't enough space. Thank you Ms. Danielle for everything! You were truly AWESOME!

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  • author
    Candise prater
    Sep 07, 2022
    Another awesome experience

    I just want to say this has been another great experience with Denitra Crosby. My husband calls her Wonder Woman Because she is very quick and makes the process very easy. This has been our 3rd go round with her. I keep her number available to available to spread to other people also. Thank you to Danitra for all you do

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  • author
    Grizzly Malone
    Sep 02, 2022
    Sue Dudley went above and beyond for…

    Sue Dudley went above and beyond for us. Helped co quer so much and get our home. Wonderful place and people to work with.

    ...

  • author
    Erin Hartle
    Aug 31, 2022
    Stephanie Smith was the absolute best…

    Stephanie Smith was the absolute best to work with. She made things happen when they were sure to fall apart. Caring and helping veterans is what she does!

    ...

  • author
    Sheri Salley
    Aug 31, 2022
    Stephanie is the absolute BEST VA lender!

    Stephanie Smith is the absolute BEST VA lender I have worked with in my 15+ years of real estate ! She has a strong knowledge of the process and helped us to avoid pitfalls along the way. Best of all, her positive spirit and and attitude made her a pleasure to communicate with at all times. Thank you Stephanie!

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  • author
    Sherry
    Aug 31, 2022
    There aren't enough great things to say…

    There aren't enough great things to say about SANNYA FANG-URISTA. She notified me even prior to the buyers finding their dream home to let me know she was helping them. WOW. Sannya was there every single step of the way for everyone...I've NEVER experienced someone of her caliber and expertise before. Give that girl a raise! :)

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  • author
    Willie Smith
    Aug 30, 2022
    Hannah was always there when I needed…

    Hannah was always there when I needed answers and her advice made the process less painful. She was always upbeat whenever I ran into an issue. Thank you Hannah from the bottom of my heart. This process has taken me 20 years to complete. You are the best.

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  • author
    Jesse Adams
    Aug 29, 2022
    Adam Freedman, a true professional

    I worked with Adam Freedman and he is an absolute machine. I called in a year and a half ago when I was just shopping g around for rates and he told me I didn’t have enough work experience at the time and would need a job for a year. A year later, he reached out to see how things were going and his timing was perfect, I was just starting my house search. He is very knowledgeable, informative, and was never belittling when answering my hundreds of first time home buyer questions. I felt confident working with him and would recommend him to family and friends. We went through the ringing with our VA Appraisal, causing countless delays and headaches, but Adam kept his cool and helped me keep mine. Definitely glad to have him on my side!

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  • author
    Ronald Morris
    Aug 29, 2022
    To a truly awesome young lady

    MRS Denitra Cosby processed my loan from start to finish with pinpoint accuracy. Her first concern was for whatever benefited me the most. The whole process ran as smooth as silk. I would give MRS Denitra Cosby a 5 star plus rating for a very professional and enjoyable experience. Thank You

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  • author
    Charles Sokolik
    Aug 26, 2022
    An excellent company for Veterans to…

    An excellent company for Veterans to use. Everything is quick and easy to understand, no loopholes to fall into.

    ...

  • author
    Nathaniel Leonard
    Aug 26, 2022
    Happy Client

    Happy Client Denitra Cosby is awesome, she has helped me before (Refi). Denitra made the process easy and smooth again. The personal attention she offer is what set her apart. I highly recommend Denitra Cosby @ Veterans First. Thanks Denitra Cosby

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  • author
    Arthur Greenwood
    Aug 24, 2022
    I have had a great opportunity to work…

    I have had a great opportunity to work with Matt a d l am thrill to say he has gone above and beyond to help me achieve my dream home.gave me a lot of input on things l needed to to so l can get the best loan possible. Thanks a million

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  • author
    Dwayne Hopkins
    Aug 24, 2022
    Veterans First (Lee Camblin)

    We had a great refinance experience working with Lee Camblin during the process. Lee kept us informed throughout the entire process and explained in-depth the requirement for the different requested documents. His customer service skills are always professional and responsive to our emails and phone calls.

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  • author
    Dwaine Wallace
    Aug 23, 2022
    Dwaine's hunt

    Ellen O'Neill was outstanding during the entire process. Always kept in touch and letting me know needs and gave great updates on the progress of loan. Highly recommended

    ...

  • author
    Vernell Barnes
    Aug 22, 2022
    I had a excellent experience with…

    I had a excellent experience with Heather Lewis I would recommend her to my family and friends she was so helpful and patient and explain every step of the way

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  • author
    Mandy Wilmot
    Aug 19, 2022
    Jesus was friendly

    Jesus was friendly, patient, and understanding. With his help and guidance we got everything accomplished fast. This was a good experience.

    ...

  • author
    Daniel DeBois
    Aug 19, 2022
    Dans review

    Although Marvin seem new in his position he had the professionalism and passion for helping. I enjoyed working with him.

    ...

  • author
    Ariel Strothers
    Aug 19, 2022
    Great company

    Kaitlynn was winderful to work with very throughout and communicates well. The only thing I would change is the initial interest rate they offer. It should be low and competitive up front but she was a pleasure to work with

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  • author
    Lonnie Mccain
    Aug 16, 2022
    To God be the Glory

    To God be the Glory. I have had many experiences with this process from other offers. I have never been so positively received by anyone in the manner that Veterans First did in walking me from start to finish. The management team leader and you know who you and Marvin made be believe in myself again due to the personal and professional care that they displayed though out this journey. There were times that I was not sure how this would turn out but they always made me believe in the process to the end. I am full of joy and tears as I write this review however I have nothing but much respect for all that you do. Thank you for this new beginning.

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  • author
    Hilary Federici
    Aug 16, 2022
    A+++++

    We worked with Maurice for our refinance. He was by far one of the best loan officers we have ever worked with. He was on top of everything making the process very easy for us. His positive personality and cheerful demeanor made each interaction a breeze. It was easy to see he is very experienced in his craft. A positive experience all around.

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  • author
    carlene beckwith
    Aug 15, 2022
    Both Jordan and Melissa have been super…

    Both Jordan and Melissa have been super great with all our questions. They have been very knowledgeable and helpful thru the whole process.

    ...

  • author
    Robert Michael Estes
    Aug 13, 2022
    Chris is the Best

    Thank you, Veterans First Mortgage, but most of all I would like to thank Mr. Chris Werland for patience, persistence and dedication in helping me and my family live the dream. Mr. Werland was nothing short of Amazing!!!!

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  • author
    Dennis Smith
    Aug 14, 2022
    Connor Bushnell was great

    Connor Bushnell was great! He was very professional and kept me on track. I would not be in this house if not for him walking me through it. Connor is a great asset to your company.. Thanks Connor

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  • author
    John & Helen Kennedy
    Aug 11, 2022
    Best Loan Team

    We had originally applied for a home loan with another broker. At the last minute, issue after issue regarding incorrect paper work arose which meant we would probably be running over our closing time. Given the issues, we requested to apply for a loan with another bank but our original broker kept insisting it would take too long and we were not far from approval. With no hope in sight, my husband suggested that we talk to Lee Camblin with Veterans First just for some advice, Lee went above and beyond in his help for us. When we first spoke to Lee we were already one week before our closing date. Given the urgency of our situation, Lee offered to assist us and adding on a team of very hard co-works to assist with our home loan needs. We then received a call from Ryan Prestwich within an hour of Lee telling us that Ryan would be in touch with us soon. We submitted information that was requested and sent him some documents that we already had and within a few hours, we had been offered a lower interest rate than what we had been offered by the other lender and Ryan wasn't aware of the rate that had been offered by other lender. By the end of that week Ryan had added more team workers Stuart Birholtz and Tara Metcalf not only had this team of very professional, hard workers gotten us approved for the home loan with a bank that my husband had first suggested (with no paper work issues!), Ryan had also gotten us a better interest rate and lower fees than our original broker had offered us. This team of hard, dedicated workers from Veterans First had us approved and ready for closing on our original closing date and were great and very helpful to deal with throughout the whole process. Ryan kept us informed and gave us confidence from the beginning that he would get us as close the the original cost date , if not that date, while getting the best deal possible for us. So we are very grateful and thankful for this whole team at Veterans First. We highly recommend that you put your trust in these guys for all your needs in a mortgage loan. Big shout out to all you guys( Lee Camblin, Ryan Prestwich, Stuart Birkholtz, Tara Metcalf all at Veterans First Mortgage) This is one amazing team. They made everything so easy and painless.

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  • author
    Austin
    Aug 11, 2022
    Brett Melnick

    Brett Melnick was an amazing help from the first phone call to the last! He made everything very smooth and answered all of my questions. Thanks Brett!

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  • author
    Bryan H.
    Aug 10, 2022
    Denitra is the best!

    Denitra was awesome to work with! She helped me every step of the way to get myself approved for the USDA loan. What a great experience! I recommend her highly for anyone looking to buy home, God bless her!

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  • author
    Harry Zeigler
    Aug 09, 2022
    Appreciation

    My experience with Sannya was amazing and she was very helpful thank you again!

    ...

  • author
    Clinton Gaddis
    Aug 08, 2022
    Most professional person Michael Go

    First I would like to say Michael Go is one of the most professional person i have every had the privllege to work with. Michael Go was always informative and very willing to help in any way he would. Michael Go has the most respect for his customers that anyone could ask for. I would like to say we need much more people like him. Thank You Michael Go for all your hard work and respect. Clinton & Sonya Gaddis

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  • author
    Howard W. Steen
    Aug 04, 2022
    It has been excellent working with…

    It has been excellent working with Janelle, she has done an excellent job and is very knowledgeable and handled all my concerns in efficient manner, every time I had a question or concern she always answered it quickly and to my satisfaction. It has been a pleasure working with Janelle and Veterans First in my search to purchase a Condo. I’m so glad that I chose Veterans First and they assigned Janelle as my loan officer, she did an outstanding job and was there for me every step of the way and could not have done a better job than what she did and I greatly appreciate it!

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  • author
    Wilfred Brown
    Aug 04, 2022
    It was a pleasure working with Mr. Connor Bushnell

    It was pleasure working with Mr. Conner Bushnell. He was very helpful in every way from the beginning to the end. Thank you so much!!!

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  • author
    Dave DeRemer
    Aug 01, 2022
    Brett Melnick was Amazing

    Brett Melnick was amazing. He constantly kept me updated and made the entire process as easy as I’ve ever experienced. Will definitely recommend him and VF to others, as he is a tremendous asset to your company for truly taking care of Veterans first.

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  • author
    Kells
    Jul 30, 2022
    I worked with Jolene she was amazing…

    I worked with Jolene she was amazing very patient with me! Thank you for all your help!

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  • author
    william hughes
    Jul 30, 2022
    Great Experience

    Veterans First was the only mortgage company who took us serious about buying a home. With less than perfect credit scores they helped us get done what we needed to raise scores quickly and effectively. They also didn't penalize us on credit score to fill their pockets as we found other lenders wanted to. Our loan agent with Veterans First was so awesome too. Craig Petit we would highly recommend!!! Thanks to him we are now closing soon on our new home. Craig kept us update and answered all questions we would have thru the whole process from start to finish. We were always available to reach Craig and never felt like we didn't matter. We highly recommend Veterans First Mortgage and ask for Craig Petit you will be well taken care of from day one to the last day when you close on your new home. WH

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  • author
    David Pittman
    Jul 29, 2022
    Craig did a great job despite all the…

    Craig did a great job despite all the regulations imposed. Was worth it in the long run!

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  • author
    Sweet Sweet
    Jul 29, 2022
    A wonderful experience with Veterans First

    Sami Awwad was right there to help with the whole process he was never afraid to answer any questions . I would not be afraid to recommend Veterans First and Sami if anyone asks me.They are just amazing

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  • author
    Vincent Eblacas
    Jul 28, 2022
    Alexandria Tarantino was a great help…

    Alexandria Tarantino was a great help in navigating the requirements of the loan and kept me informed on what needed to be done.

    ...

  • author
    Gloria Lamkin
    Jul 27, 2022
    The Best…

    I am very thankful for working with Heather Lewis she did an amazing job helping us get everything we needed over the past two years while searching for our first home.

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  • author
    Shawn Rost
    Jul 27, 2022
    Kaitlyn was always there when I called.

    Kaitlyn was always there when I called.

    ...

  • author
    Chris Stickley
    Jul 27, 2022
    Amazing Experience with Anthony Padilla

    Anthony was great to work with. He was efficient and knowledgeable about the process. He kept the lines of communication open and quickly returned phone calls. He made it a smooth, easy experience. I would recommend Anthony and Veterans First.

    ...

  • author
    Josh
    Jul 23, 2022
    Dorothy was outstanding and worked with…

    Dorothy was outstanding and worked with us every step of the way. She was very pleasant to work with

    ...

  • author
    theREALhotRod
    Jul 22, 2022
    Cierra was efficient and helpful

    Cierra was efficient and helpful. She was kind and informative. She made the home buying experience a great thing and kept me informed the whole way through. She made sure everything was correct. She is intelligent and knows her job and seems to care about people. She gets back to emails, phone calls and paperwork in a timely manner.

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  • author
    Michelle Tatka
    Jul 22, 2022
    Heather was fantastic to work with!!

    Heather was fantastic to work with!!! An excellent communicator, very responsive and professional. An experienced VA lender who made for a wonderful and smooth transaction!!!

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  • author
    Darryl Leach
    Jul 21, 2022
    I worked with Sal Ortiz and he was Awesome Sauce!

    I worked with Sal Ortiz and he was awesome did a great job getting the refi through. Was able to work through everything that came our way without issue. Keep up the great work!

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  • author
    Jen Dunn
    Jul 21, 2022
    We cannot say enough good things about…

    We cannot say enough good things about our experience with Veterans First Mortgage and especially our loan officer, Shauna Bywater. We are experienced home buyers, but the FHA loan process was much more involved than previous loan applications, and Ms. Bywater was with us every step of the way. She is so knowledgeable about every aspect of applying and documenting what we needed, and was able to work directly with one bank to help me (in a conference call to get some information we needed). We’ve never had so much support! And as well as being a consummate professional, Ms. Bywater has wonderful people skills and was kind and compassionate and reassuring throughout. We hope to stay in our beautiful new home for many years (next stop the old folks’ home!) but if we ever do need another loan, we will go straight to Veterans and ask for Shauna!

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  • author
    Israel Ortiz
    Jul 21, 2022
    Absolutely amazing job by Chris Werland…

    Absolutely amazing job by Chris Werland and the veterans first team . I started this process back in May of 2020 and it took 2 years to find a house but Chris was with me every step of the way and checking in monthly and when it got closer to closing weekly to make sure all my questions and concerns were answered. I felt so taken care of and it made my whole buying experience amazingly easy. Thank you

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  • author
    Shawn Rost
    Jul 20, 2022
    The loan officer was easy to get in…

    The loan officer was easy to get in touch with and made the process simple.

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  • author
    Jack Cotter
    Jul 20, 2022
    Great communication

    Great communication, clear direction, and made complicated things simple. Sami was on top of everything, I had no concerns with things getting done.

    ...

  • author
    bleedgreen eagles
    Jul 19, 2022
    Breanna is the best....hands down

    Breanna is the best....hands down

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  • author
    Cynthia
    Jul 19, 2022
    Stress free refinance

    Veterans First Mortgage Thank you for your excellent customer service . My loan officer Sal Ortiz was kind and courteous through the whole process . His knowledge and patience as a loan officer is excellent . Thank for making the process stress free .

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  • author
    De'Shawn Wilson
    Jul 19, 2022
    It has been an honor and pleasure…

    It has been an honor and pleasure working with Denitra Cosby, she has been patient, kind, and a joy to work with I started out on this journey hoping for the best and that's what I received working with Ms. Crosby. In the beginning I started with a credit score of 640 and she helped me bring my score up to 720+ Without her expertise I won't be where I am right now and buying my new home my 1st home. I would highly recommend her to anyone that's looking for an excellent person.

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  • author
    Lynn
    Jul 16, 2022
    We thank Nathan Lewis and Veterans…

    We thank Nathan Lewis and Veterans First for making our home buying so easy. Nathan walked with us through the whole process which was laid out before hand. Nathan made sure we knew what to expect from start to finish. Thank you Veterans First!

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  • author
    Susan
    Jul 15, 2022
    Danielle Humphreys, Loan Officer

    Hi, my Loan Officer was Danielle Humphreys, she made my experience seem seamless. She was literally on top of every situation, she was always ahead of the ball, the only snag was an issue with a water inspection that of course she had nothing to do with, but everything finally panned out. I explained to her I had some really weird experiences with refinancing in the past and was at first a bit apprehensive, she listened and guided me thru everything with no problems. I would and will recommend her to any Veteran I know who are looking at purchasing or refinancing a home. Thanks DANIELLE, I APPRECIATE YOU!!!!

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  • author
    Jim Hayden
    Jul 15, 2022
    As a first-time buyer

    As a first-time buyer, I needed a lot of help. Stephanie Smith was the answer and an enormous source of assistance. She was there as I made my way through with detailed solutions whenever I requested. She has the knowledge, the patience and the personality to listen to my needs and help me solve them. Thank you, Stephanie!

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  • author
    cassandra johnson
    Jul 15, 2022
    Our experience was great.

    Our experience was great. We will definitely refer our friends and family.

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  • author
    M Leake
    Jul 15, 2022
    Professional, proactive, and pleasant staff

    Kaitlynn Mattinson at Veteran’s First was extremely helpful and responsive, even updating us while she was out of office, on vacation. Her manager, Jason Bergstrom, covered for Kaitlynn while she was on vacation. He was pleasant and proactive. The only wrinkles which popped up came via the VA underwriter, who seemed to keep changing or adding required documents. Everything within the control of Veteran’s First went pretty smoothly.

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  • author
    Fred Whitaker Jr.
    Jul 08, 2022
    Sharon Mcgraw helped us with our…

    Sharon Mcgraw helped us with our mortgage concerns with kindness, compassion, and true concern when we got behind due to illnesses. She and her team picked us up when we were down and helped us make a plan for the future. We thank you from the bottom of our hearts!

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  • author
    Gabriele Brandt
    Jul 01, 2022
    Jason Poteet - review

    I wanted to share my experience as an agent working with Jason Poteet from Veteranfirst. I had no experience working with this company, I was led to you by my clients pre approval. Working with Jason Poteet, I am learning that I just became interested in this company. Wow, a lender who communicated well with clients and agents on the same personable level and explaining everything? YES! A lender who looks out for the client and puts his heart into it, YES! A lender who is a great coach and educated the agent at the same time? YES! Jason Poteet has put his heart into this case, worked diligently to explore all options, communicated with my client and me all the way, needless to say that we have one happy client and an agent who will get the next pre approval for the next client from Jason again. It really does not get much better, thank you Jason Poteet and thank you Veterans First!! sincerely, one happy agent/client team!

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  • author
    Greg H
    Jul 01, 2022
    Working with Denitra was a pleasure…

    Working with Denitra was a pleasure made sure I stayed informed and up to date on the process from start to close and even after closing.

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  • author
    Robert
    Jul 01, 2022
    VA Home Loan, Home Purchase Great Experience!

    Making a home purchase using a VA loan is an earned benefit I was glad Veterans First Mortgage could service. They were with me everyday, through every step of the process. The loan officer was attentive to my situation while upon closing, I was actually surprised that everything was better than expected. Thank You!

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  • author
    Ben
    Jul 14, 2022
    DON'T DO BUSINESS WITH THESE…

    DON'T DO BUSINESS WITH THESE COMPANIES!! This was the worst experience I have ever had in my entire life. I spent a year with these less than desirables and got nothing. I actually lost money directly to their loan agent because he whined he was out the money. I paid him back and still didn't get a loan with them. I lost the house I wanted, I spent 3 months sleeping on a couch because my house sold and I was put out because they couldn't fund my loan in time allowing the seller to back out. The house I ended up buying came with an infestation of roaches. Another issue I have to deal with directly because of their incompetence. They sent me an email telling me they want to send me a check for $1,315.00. No explanation why and wanted to speak with me directly. I blocked the number because I have absolutely nothing nice to say to anyone at either company. I replied to the email explaining it wasn't anywhere near enough for what I went thru. They sent the check anyway. I videotaped me tearing up the check because I already explained in an email it's not enough. Apparently, someone did something wrong, but they won't admit it. I sent another email asking where there new offer is, no response. I'm filing a small claims case since they're obviously not interested in working with me to come to an amiable resolve. Maybe you'll see me on tv🤷‍♂️🤷‍♂️ ***Edited*** Immediately following this review I was asked for more information. I provided what was requested and haven't heard anything from them. I've sent an email nearly every Wednesday asking for an update and no response. I even called, left a message requesting a call back and that I unblocked the number! That was today 7/14/22. Still nothing.

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  • author
    Wayne Morris
    Jun 30, 2022
    It was great working with Chris

    It was great working with Chris, he was friendly, knowledgeable and took great care in answering all of our questions.

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  • author
    Candice Callison
    Jun 30, 2022
    Five stars for my first refinance!

    I just want to thank Marven for taking such excellent care of my first refinancing . He did an great job on explaining everything to me since I had no clue about anything on how this works! I got the money I needed very fast and I now feel a lot more knowledgeable on real estate. I thing Marven deserves a big raise plus he’s always available for any issues that might of come up or he responded by calling me back immediately. He has the best phone voice that I have had to deal with which makes talking on the phone a very pleasant experience since I hate talking on the phone that was super important as well as him being very smart and efficient. Thank you marven!

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  • author
    Cheryl Pettit
    Jun 29, 2022
    Christina and Rula are very…

    Christina and Rula are very knowledgeable and exceeded our expectations on the loan process! It was a pleasure to work with them; made the entire process simple and efficient! Thank you for all your assistance!

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  • author
    Gregory Daniel
    Jun 29, 2022
    We spoke with Heather Lewis about a…

    We spoke with Heather Lewis about a year before we were able to buy a home! She is so kind even helps my you understanding how to qualify for your loan and how to straighten your credit out to meet the ability to buy the home. She kept up updated at every move and worked so hard because I would forget and had to call back, always seemed like I was the most important call of the day. We inspected and funded exactly like she said. I would recommend her to everyone seeking a fantastic, well knowledgeable mortgage loan processor! Thank you Heather!

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  • author
    Warren Bratton
    Jun 28, 2022
    Mr Anthony Padilla has provided the…

    Mr Anthony Padilla has provided the Bratton family with a life changing experience. From this day foward I/WE will never forget the extra time and help this man gave us. May God Bless Him and his Family for many years to come. Warren Bratton,

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  • author
    vernon hale
    Jun 27, 2022
    Michael Go was helpful

    Michael Go was helpful most of the time. He was very slow when he would call, like he wasn't ready for the call and had to look for the information that he was calling for. Sometime he would take 1/2 hour to finish the call.

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  • author
    Richard
    Jun 26, 2022
    Lee Camblin was very helpful

    Lee Camblin was very helpful, and made the whole process a quick and pleasant experience.

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  • author
    Leona Marion
    Jun 25, 2022
    Tyler Worrell review

    Tyler Worrell was my loan officer. He was very knowledgeable and helpful through my whole refinance. Very kind and helpful when I got confused or didn't understand something, also very good with keeping me informed of what was going on! Always on top of things! He even kept working when he got Covid! Never missed a beat!

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  • author
    Richard
    Jun 22, 2022
    This refinance experience was…fantastic.

    This refinance experience was considerably smoother than I could have expected. I talked to other lenders, but they all felt like used car salesman, especially compared to these fine folks.

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  • author
    Kim Christlieb
    Jun 21, 2022
    Danielle is awesome.

    Danielle is awesome. She is the best.

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  • author
    Steven Cagle
    Jun 18, 2022
    Denitra is great

    Denitra is great. She has helped us in so many ways to make the buying process easy. Very professional and easy to work with. And she can help with refinancing. Noone better at Veterans First in my opinion.

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  • author
    Jim Hennefer
    Jun 18, 2022
    Nina is not only the best loan officer…

    Nina is not only the best loan officer in the world, she is a true friend. She is well articulated, kind, honest, and an all around good person. She was always helpful and friendly. I don’t know how much she gets paid, but she deserves more. Working with her was delightful and the most enjoyable loan adventure I have ever had the pleasure of experiencing. She has earned a place in our heart and will never be forgotten. She will always be welcome in our home and to our family get-togethers.

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  • author
    JOSEPH ROGERS
    Jun 16, 2022
    James Altman was the best loan officer!!

    We had a very easy process to refinancing our home loan. Our person was James and he pretty much held our hand through it all. He was available for any questions we had and promptly replied. James would not only explain everything in details, he also kept us informed about what comes next. So thank you James, you made this a a stress free process.

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  • author
    Craig Savage
    Jun 16, 2022
    Desiree is amazing

    I enjoyed working with Desiree from the very start of the process. She has gone out of her way to always stay in contact, answer all questions and to ensure I know what was needed at every step. She ensured that I understood everything and normally had the answers to my questions before I asked them. As long as Veterans First has her working for them, I would recommend this company anytime.

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  • author
    Rod
    Jun 14, 2022
    Owning a home can be a reality!

    These are tough times. As such, I was very concerned that my chances of owning my own home was very slim at best. Jed Sternberg and his team at Veterans First really do work with you the entire way to get you into a home. They made my hopes come true. They will search all possible ways to make it happen. Give them a try, your future is worth it!

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  • author
    Sunny Adams
    Jun 14, 2022
    Lee Chamblin is worthy of praise for…

    Lee Chamblin is worthy of praise for his efficient execution of my recent VA refinance program. Lee responded to an inquiry I placed online as a casual investigation of the current refinancing atmosphere. I was surprised to receive Lee's call not knowing he was affiliated with Veterans First Mortgage. I will close on a new mortgage Friday 06/17/22. Thanks Lee.

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  • author
    Robert Wilson
    Jun 14, 2022
    Great refinance company to work with

    Great refinance company to work with. No hassle just upfront honesty. My loan officer was very knowledgeable and courteous and got my payment just where I wanted it to be

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  • author
    Robert Baker
    Jun 11, 2022
    Jason and the crew at Veterans First…

    Jason and the crew at Veterans First have been fantastic in helping us get out home loan. His communication throughout the entire process has been great, and he has been as much a friend as a broker. Thank you so much for making this process as easy as possible, and I would recommend you to all my friends.

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  • author
    shawn hannegan
    Jun 09, 2022
    Smooth process all the way through

    Smooth process all the way through. Highly recommend.

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  • author
    Katie Herrick
    Jun 09, 2022
    Debbie is incredible and truly one of…

    Debbie is incredible and truly one of the best lenders I've ever worked with. She is savvy, rate locks at the appropriate time and provides above and beyond communication to the agents and borrowers so they can make educated decisions and know exactly where we are every step of the way. She hits all deadlines and truly makes the lending experience a breeze! I highly recommend Debbie.

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  • author
    Liviu Bogdan
    Jun 09, 2022
    Dorothy Bump! Choose her.

    Dorothy @ veteransfirst.com Loan Officer, NMLS #1492770 Dorothy reached out to me and won my business through excellence in all she did! She responded to all of my email inquires the same day or picked up the phone and called me back immediately. I am a demanding individual but she always treated me with professionalism and worked to get me the best rate discounts. Moreover, she provided everything and did most administrative work like letters and templates whenever I needed to provide something. She is the most amazing professional and the reason why I chose Veterans First as my lender. Promote Now!

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  • author
    Chris Brenner
    Jun 07, 2022
    Debbie Losser with Veterans First…

    Debbie Losser with Veterans First Mortgage handled our VA loan and was absolutely fantastic! Her work ethic was second to none. She was also extremely knowledgeable about VA loans, timelines, and lending process. Debbie was a true professional and would love to work with her again!

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  • author
    steve jerrell
    Jun 07, 2022
    Shauna was very professional.

    Shauna was very professional. Could be reached at all times . Even helped on her time off. Outstanding person

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  • author
    Glen Cochran
    Jun 06, 2022
    Everything went smoothly and without…

    Everything went smoothly and without any surprises.

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  • author
    Harriet Mbuvi
    Jun 06, 2022
    From Home Building experience from hell to a BEAUTIFUL HOME for our family!

    We had the home building experience from hell, but Craig Petit and his team at Veterans First got us through it and made the experience bearable. The build took close to 2 years and Craig called us every month for an update and just encouraged us. He was NOT pushy or aggressive like other loan officers we encountered. Craig was patient and educated us on our options and the mortgage process. He made time to answer all of our questions and ensured that we were comfortable and satisfied with the terms of our mortgage. We did not feel like "just another sale" throughout our process, we felt valued and that he truly advocated for our interests! At the end, we ended up with a beautiful home for our growing family and we could not be more grateful for the amazing experience we had at Veterans First!

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  • author
    Ted Schminkey
    Jun 06, 2022
    I like to thank Lee Camblin for making…

    I like to thank Lee Camblin for making this process very easy. He is very professional and answered all my questions. I highly recommend Veterans First and especially Lee. Thank you very much. Ted

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  • author
    Edgard
    Jun 03, 2022
    William and Dorothy helped me a lot and…

    William and Dorothy helped me a lot and it was awesome to work with them. They match and beat any lender offer. Thank you.

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  • author
    George Whitehead
    Jun 01, 2022
    Mike is very knowledgeable and helpful.

    Mike is very knowledgeable and extremely helpful. He answers all our questions and explains his answers. A very good person to work with.

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  • author
    Heather Fuhrman, Realtor
    May 31, 2022
    Tony was the loan officer for a buyer I…

    Tony was the loan officer for a buyer I was working with. There were a couple of things that came during the process, but every time Tony was there and was super helpful in getting to the root and taking care of it. Thank you, Tony!

    ...

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