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Veterans First Review

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Reviews 1,069

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Bestmoney Staff
Bestmoney Staff
Jan. 31, 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
ExcellentReviews 1,069
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Trustpilot reviews

See what some costumers are saying about Veterans First
Veterans First
ExcellentReviews 1,069
on
Excellent
93%
Great
2%
Average
0%
Poor
1%
Bad
4%
  • author
    Amanda Ceely
    2 days ago
    Brakken B

    Brakken B. went above and beyond to get us into our first house, even with this insane market! He was always available to explain to us each step of the home buying process. He is witty, down to earth, and insanely knowledgeable. Thank you, Brakken, for helping us into our first home! We’ll be reaching out to you again when it comes to our retirement and forever home.

    ...

  • author
    Steven
    3 days ago
    Christopher Lanzarotta

    Christopher Lanzarotta is possible the best loan officer veterans first has! Not only was the process smooth and easy but he also kept me motivated and focused. When I started this home buying journey I thought it would be easy. I was wrong I put in 16 offers until 1 was finally accepted! At times I wanted to give up and stop looking but with Christopher Lanzarotta help I kept pushing and finally found my dream home. He understands your needs, he is patient, he is a professional. He goes above and beyond. He’s always available to answer all your questions and always keeps you updated on your loan process. He definitely deserves a promotion! I couldn’t have ask for a better loan officer.

    ...

  • author
    Floyd
    4 days ago
    Immediate Action Taken!

    I wrote a review on Unprofessional Behavior the other day. My beef was lack of communication by my loan officer who represent the company. Our closing was due this past Monday 5/10 but now has pasted. Not hearing anything last weekend led to my premature frustration. I’ve always been taught that open and honest communication is the key to understanding. After my negative review I have to admit that Veterans First management and my loan officer responded immediately with direct positive action. They took the time to carefully explain the process moving forward especially when dealing with a VA loan. They could have gotten ugly with me after my initial negative post but instead they remained courtesy and professional. All of us can be wrong when not knowing the facts. That’s why communication is so important when dealing with life changing events. I’m writing this new assessment after Veteran First jumped right on my compliant. Now, I don’t no if I’m going to close or not but I must say that I’m going to stick with VF and my loan officer to the end due to their response.

    ...

  • author
    Randy Hudson
    May 11, 2021
    Aaron Heuslein/Veterans First Mortage/Wintrust Mortgage, Barrington Bank and Trust Co.

    Aaron Heuslein Loan Officer, NMLS# 2030013 We applied for this FHA loan 11/16/2020. Aaron and the Closers continually asked us for 6 months for documents having us do inspection after another. They asked for an appraisal that Aaron quoted to be $600.00, after we sent the $600, he then came back and said" we need another 1200.00 for the appraisal". I asked the appraiser how much he got paid, he stated $600.00 Aaron stated they would run 1 credit check, they ran 3!!! I spent $ 3000.00 and wasted 6 months' only to be told by Aaron that my credit score was too low. They were the ones that ran my credit score down, and ran my time out for this loan. Aaron then told me time has run out; we have to start over. I would have to pay off several of my credit cards to get my score back up. Initially, he, Arron, promised me that the loan would pay off my home, Bluegreen Time Shares, would be paid off as well as my charge cards. Had he not told me that, I would have never given him the $3000. Aaron kept promising me that we would close within three months. He continued to ask for additional paper work, and additional inspections until the time ran out for the loan to close. His last request was for me to pay off several thousand dollars of the credit cards to bring up my credit score. He then would have to run a fourth credit check, running my score down even further. April 27, 2021, My last conversation with Aaron was he wanted to start over and I would have to pay all the fees over again. I would get no credit for the $3000 I had already given them. And I would not get my $3000 or any part of it back. I refused to give him any more money, and have turned him over to California State Licensing for what I believe to be bait and switch tactics. We have turned Wintrust Mortgage, and Barrington Bank and Trust, Veterans First Mortgage, the trade name for Wintrust Mortgage, for the same offense to the State of Utah, California, and Illinois, since they have offices in all three states.

    ...

  • author
    Venus Goodwin
    May 11, 2021
    I love working with veterans first and…

    I love working with veterans first and with denitra Crosby! This company is outstanding and so are their employees. This is my second refinance with the company and denitra always makes me feel good about the decisions I make and explains everything in exactly as much detail as I need to understand what I am doing or the questions that I have throughout the process. I absolutely recommend denitra Crosby and veterans first to any veteran out there. This process is hard enough as it is and these people make the process effortless on your behalf!

    ...

  • author
    Cynthia Brooks
    May 11, 2021
    Tyler Munoz was so helpful and…

    Tyler Munoz was so helpful and professional along the short distance to refinance. He will be the same for all of you interested. Thanks, again, Tyler. C Brooks

    ...

  • author
    Emmett Davis Jr.
    May 10, 2021
    Aaron Heuslein

    Aaron Heuslein, our loan office, has provided exceptional customer service. He has been available to answer questions and calm our worries throughout the entire process. Aaron has the patience and tolerance that are very much needed in the customer oriented world. I will be recommending Aaron's services to family and friends.

    ...

  • author
    R. Garland
    May 07, 2021
    Dentria Cosby is a true professional.

    I was referred to Dentria Cosby for a mortgage refi by my sister who had worked with her previously. Let me say that Ms. Cosby was outstanding from beginning to the end of the entire process. She was forthcoming, extremely knowledgeable, and delivered as promised. The process was extremely quick and we were able to reduce our mortgage payments significantly. Thank you for your excellence.

    ...

  • author
    Stephen Alvarez
    May 05, 2021
    Luke Vogel was amazing

    Luke Vogel was amazing! He was easy to contact, always responding to emails and returning phone calls. He was always explaining what was going to happen before it did. Mr. Vogel's service was above and beyond any experience I ever had with a mortgage company.

    ...

  • author
    jim gomes
    May 05, 2021
    Amazing Experience!

    We couldn't have had a better experience than the one we did with Veterans First Mortgage. Kathleya Gracida, our Loan Officer, treated us with respect, attentiveness, and helped us tremendously, from beginning to end, throughout this process that sometimes may sound burdensome. Kathleya is very much knowledgable and facilitated all the information and answers to the questions we had in order to make the completion of the loan a very smooth process. I would highly recommend both Kathleya Gracida and Veterans First Mortgage as reputable and trustworthy sources to assist anyone who is looking for a home.

    ...

  • author
    Herman Peterson
    Apr 30, 2021
    Herman & Trinita Peterson

    Let me start out by saying that Brandon Ford is and awesome Loan Officer. From start to finish he was there to answer my questions no matter how big are small they may have been. He advised me what I needed to do to get my score where it needed to be and at no time made me feel as if I would not get approved. That really help me because I’m the type of person that worry about everything. He told Me I would close in 30 days and today April 30,2021 @ 9:00am we closed on our new home. When I tell you this is the best feeling in the world it really is. So I can say that Brandon Ford really do take your dreams and make them your reality. Again thank you Mr. Ford and your crew from Herman and Trinita Peterson from Louisiana.

    ...

  • author
    Rick McKim
    Apr 30, 2021
    Thanks Aaron your the best!

    My refinance road was a little longer than expected but the patience that Aaron showed me and his kind way of getting everything done made the experience well worth the wait I will recommend Aaron to any body needing a refinance he is very professional and will do what is ever it takes to get the job done and make you comfortable during the process. Thanks Aaron for a job well done

    ...

  • author
    Integrity First
    Apr 29, 2021
    Extremely disappointing

    My agent was friendly, and perhaps Veteran First's failure to abide by our agreed, written terms was above his pay grade. Nonetheless, I'm left wondering: how is it that many of the other Customer Reviews for Veterans First are so positive? I'm still serving in the military, and potential veterans/customers have a right to know about my very negative experience. Bottom line: Veterans First formally "locked" my interest rate and points, and then reneged on those terms. I vehemently argued with my agent and his supervisor, but they refused to give me the same rate and points that we had recently locked. In fact, later they even attempted to have me sign paperwork, stating that we had mutually agreed to change the previous terms. Of course, that was a lie. Since I had argued so forcefully when they changed the terms after they had been locked, obviously I had never "agreed" to the changes! Sadly, the other mortgage company, with whom I ultimately closed on my mortgage, also reneged on the terms they had promised. However, there was no signed paperwork with the other company, so in my view what they did wasn't quite as egregious as Veterans First's actions. Although I finally received a good rate with the competing company, the whole process was frustrating and very discouraging - that neither mortgage company would honor the terms that they had promised.

    ...

  • author
    Vernell
    Apr 29, 2021
    Keep Smiling 😃

    I just want to say it is nice to find someone who loves their job in love doing their job I can say she went above and beyond her duties And I am so proud of her how she stuck with me and my brother to all the problems we will having and steel has the heart to finish There is not enough words to say how much and how she makes a smile If you can hear the people behind the phone :) a let you know how much they care thank you thank you thank you for everything you die thank you also thank Brandon to lol

    ...

  • author
    Nancy Fisher
    Apr 27, 2021
    Aaron Heuslein

    Aaron Heuslein was the gentlemen that I worked with in refinancing my home. It was such a pleasure to work with him. He always answer my questions and always returned my phone calls. If all of the people I have to work with was half as nice as Aaron, my job as president of an HOA would be a breeze. I found Aaron to be friendly, knowledgable, responsive, and a wonderful person to work with. Thanks Aaron for making this an easy process.

    ...

  • author
    Shelisson Jamill
    Apr 27, 2021
    Customer service and experience was…

    Customer service and experience was impressive. Great experience with no issues at all.

    ...

  • author
    customer
    Apr 24, 2021
    our experience was with William Smiley

    our experience was with William Smiley. He was the most polite thoughtful person anyone could ever wish for. He did a Great job with us and would highly recommend him for anyone anytime.

    ...

  • author
    geoffrey h. kennard
    Apr 22, 2021
    If they were more stars I give more..

    If they were more stars I give more... excellent company caring staff expedient easy definitely customer-oriented I can't Rave enough about Ryan and his crew Danielle was my specialist and she was beyond the Call of Duty thank you veterans first

    ...

  • author
    Mark A Nicodemus
    Apr 22, 2021
    Coming into the home purchase journey

    Coming into the home purchase journey, I had thin qualifications. I had lost jobs during the COVID outbreak and had worked only 7 months for my current employer. A mediocre credit rating also waved red flags. Stephane Smith looked through those barriers to there on behind the numbers. She took my case personally, and after a lot of hand-wrenching anxiety, I clutched my hand around the keys to my new home. Even my realtor said that Stephanie worked harder to get my loan than most other loan officers would ever attempt.Veteran's First is great! Thank you, Stephanie.

    ...

  • author
    Victor Lewis
    Apr 22, 2021
    None can surpass Denitra Crosby

    None can surpass Denitra Crosby, and the professionalism and excellence that she brings to the table! She was attentive, responsive, and knowledgeable throughout the entire process, as she was considerate of us (as consumers) and her organization. At the hint of a glitch, she called us on her day off to ensure that things were moving along as prescribed. A pleasure to work with and a Jewel at Veterans First!

    ...

  • author
    Robert
    Apr 22, 2021
    Great job

    I did a refinance with Ryan Roloff and he did a fantastic job. I will be giving his name to anyone i know looking to refinance their home. Thanks Ryan.

    ...

  • author
    Kevin
    Apr 20, 2021
    Just completed refinancing my home

    Just completed refinancing my home, the process went very smooth, Lee Camblin answered a lot of my questions before I even asked them, and when I had a concern he quickly put me at ease, highly recommend Veterans First, if you need assistance ask for Lee Camblin.

    ...

  • author
    Harold Hiatt
    Apr 18, 2021
    Thankscowboys reviwe

    Thanks. For letting me exspllane the. Things. I want. In a Home.and some. Thing. More. Wer i wantt. To live .for the rest of my life thank you guys. At vet. Frist . mog

    ...

  • author
    Kcdc
    Apr 17, 2021
    Connor was wonderful to work with

    Connor was wonderful to work with - he understood our needs and humor! Always responded quickly to our questions and concerns. Connor Bushnell gets a 5 star rating from us for sure!

    ...

  • author
    Andrea Rehanek
    Apr 17, 2021
    Where do I start

    Where do I start. William was always available to answer my million questions. He would always make sure that I understood every step of the process. William made a huge step in our life a very easy process. I would highly recommend. If the need arises again I would have no hesitation in calling.

    ...

  • author
    Tyler Lawrence
    Apr 16, 2021
    Stephanie was such a pleasure to work…

    Stephanie was such a pleasure to work with. She made our first home buying process as smooth as it could have ever been. She was simply amazing and made everything for us so much easier! Thank you Stephanie!

    ...

  • author
    Mike
    Apr 13, 2021
    Super easy Refi process

    This certainly wasn't our first Refi or purchase for that matter. Kathleya was super easy to work with and explained to process thoroughly and the exchange of info via email, text messaging and phone calls worked great! Veteran's First Mortgage and Kathleya get an A+

    ...

  • author
    Donald Hardester
    Apr 09, 2021
    Working with veterans first was…

    Working with veterans first was wonderful and easy. Your service was better then I could imagine. A special thanks to Nicolaus Clark. He went above and beyond to help us. If we have any friends or family looking for a mortgage company we will definitely recommend you. Once again thank all of at veterans first, and a special thanks to Nicolaus Clark. Don and Linda Hardester

    ...

  • author
    Jordan
    Apr 08, 2021
    Phenomenal Customer Service

    Veterans First has been so amazing during my home refinance. My loan officer, Chris Wooten, was phenomenal and walked us through the process every step of the way. His accessibility made us feel like we were his only customer, and he continued to answer questions and provide us help MONTHS after we closed. I highly recommend Chris and Veterans First for your home refinance!

    ...

  • author
    Tony R
    Apr 08, 2021
    Great loan rep led to great experience

    I just closed on a home loan with financing from Veterans First and Stephanie Smith as the loan officer. As a rule of thumb, I don't trust banks to view customers as anything more than expendable and interchangeable. VF does keep all their loan notes in-house which isn't all that common anymore, so that's a good first impression. I'm giving such a good review mainly because of my experience with my loan officer, Stephanie Smith. I shopped around with 6 companies, including USAA, but Stephanie never stopped fighting to get me the best deal possible, even on closing day. I told her I was shopping around for loans, and she told me that VF takes competition very seriously, and she was right. I took her offers to other companies, some of which counter-offered, but it became apparent that VF wasn't ever going to stop beating those offers. Both sides conducted the transaction without realtors, but she was on top of all the state requirements and regulations for real estate, and especially the ins and outs of the VA loan process. She advocated for our side when the seller's attorney made a few mistakes and she was on top of all the potential traps and pitfalls, making sure that we got through them. The closing was delayed twice because of some technicalities on the legal side, and the seller was ready to walk away. I explained to Stephanie how losing the deal was going to put my family and me in a very bad spot with living arrangements, and asked her to pull out all the stops to getting the deal closed. Not only did she find a way to get the deal closed, but she managed to restructure everything to get us the best interest rate she's seen in her career. I can't quite speak for VF yet, but it's clear that Stephanie takes seriously the idea that behind every account are people, their families, and their homes. I appreciate that she was able to help turn my family and me into homeowners and I will be going to her and recommending her, regardless of what bank she may work for, for all my real estate transactions as long as she remains in the business.

    ...

  • author
    Holly
    Apr 08, 2021
    Great experience

    I had a great experience with Refinancing my home with Veterans First Mortgage. Aaron Heuslein was my loan officer. He was professional, friendly, and responded immediately with my questions and concerns. The whole process was very smooth. I never even had to leave my house to complete the loan. Not only did they find a great appraiser for me, it was with in two days they scheduled me and completed the appraisal. They also had a notary meet me at my house and complete all loan documents and title. I couldn't believe how fast everything was complete. Outstanding customer service and quick turn around. Thank you Aaron Heuslein.

    ...

  • author
    Jimmy Smith
    Apr 07, 2021
    Friendly and professional.

    Just want to give a big thank you to Denitra Cosby who helped with our refinancing. She made the process go without a hitch, was very friendly and professional. I would give her 10 stars but it doesn’t have that choice. Give her a call to help with your needs. Thanks again Denitra.

    ...

  • author
    Chip Eckert
    Apr 07, 2021
    Best rates, best people!

    Professionalism, clarity, and attention to detail. I just wanted to take a moment to thank Lauren Phelps, for helping me through my refi. She was always quick to respond, courteous, and knowledgeable! She kept me informed, of my loan progress, every step of the way! Definitely, ask for Lauren, when you call! I searched four competitors prices, prior to returning to Veterans First! Best rates, best people! Thank you for YOUR service! Greatly appreciated!

    ...

  • author
    Ken Davis
    Apr 07, 2021
    Veterans First is a great organization…

    Veterans First is a great organization and working Aaron was awesome. Aaron was always available and returned calls and emails quickly! I would highly recommend them!

    ...

  • author
    Diana Burell
    Apr 06, 2021
    I just want to tell you about my…

    I just want to tell you about my wonderful experience buying my house.Terry Schuster was my initial contact,I was in a rental house with mold ,and no where to go.I am 73 years old,she did everything she possibly could to help me,and it worked out,Thanks to her I got the house of my dreams,The easiest,fastest,non stressful,buying a house experience I have ever had ....She couldn"t do my mortgage so she referred me to Justin Benge,,and he was also wonderful..I have referred several people to Terri and Justin and will continue to do so.If everyone working for your Veterans First Mortgage is as wonderful and knowlegable as those two and as dedicated you will excel in home mortgages.....My son ,daughter and grandson and granddaughter are all going to be buying a home in the near future and I intend to refer all of them to Terri and Justin...Thank you again Terri and Justin for all you did for me.my physical and mental health has improved dramatically thanks to you....God Bless you both....

    ...

  • author
    Ron McCool
    Apr 06, 2021
    The entire process involving this…

    The entire process involving this financing of my home mortgage was the smoothest and quickest that I have ever been involved in. Conner provided quick and detailed request for the items that were needed to expedite the loan process. Most important to mention is the fact that Conner not only answered my call every time that I called him, but if he was unable to answer he called me back almost immediately and this a trait that is rarely seen in the mortgage companies that I have dealt with in the past. This was the fastest closing that I had ever experienced in all the homes that I have financed. Thanks Conner for all your hard work and attention to detail in expediting this loan.

    ...

  • author
    MaileMaikai
    Apr 06, 2021
    Kaitlynn went above and beyond every…

    Kaitlynn went above and beyond every day to help with our Loan, I try to make it easy for her as well but she was the star of the show, From the very beginning she was professional from start to finish, we connected on a personal level as she understood issues that came up and solved them fast, She sympathized with us when we had some problems and she took care of them. The whole process she made easy and exciting to the day we closed, Even after closing she made sure things went smooth. She deserves 5 stars and more.

    ...

  • author
    Brett Bartel
    Apr 05, 2021
    Connor Bushnell was fantastic

    Connor Bushnell was fantastic. After my time in the Army I joined the retail sector ant understand what great customer service looks like after27 years. Connor is the embodiment of all the tenants of great customer service highlighting his ability to communicate and follow up! I was extremely pleased with his level of effort and customer first approach in everything he does! Wonderful experience! Thanks again Connor!

    ...

  • author
    Biniyam Beyene
    Apr 01, 2021
    Best Service

    Very helpful and best team! Espesially, our loan officer, Donicka Markovich, is very helpful and accessible to answer all of our questions on time. Her helpful guidance,from start to end, made our home buying experience a smooth ride.

    ...

  • author
    Russell Scales
    Mar 31, 2021
    Home Buying Experience

    Brakken Barben made the home buying experience a joy. He was very helpful in making the purchase a smooth ride by offering helpful advice.

    ...

  • author
    Customer
    Mar 27, 2021
    The staff is really helpful guide you…

    The staff is really helpful guide you step by step through the process. my real estate person was really happy worki g with verteran first.

    ...

  • author
    Roger Krafczik
    Mar 26, 2021
    Tony Peck was a great help and walked…

    Tony Peck was a great help and walked me through the whole process and we got the job done....thanks your the best

    ...

  • author
    Doris Johnson
    Mar 25, 2021
    Dentria Crosby …

    Dentria Crosby was absolutely excellent to work with. Even though we did not get to close when we wanted to she locked in our rate that we wanted. She kept both my husband and my self informed on a regular basis of what was going on with our loan. She made things come together. We would use her again and refer her on to others in need.

    ...

  • author
    carol himmenger
    Mar 25, 2021
    Denitra Cosby was excellent to work…

    Denitra Cosby was excellent to work with and kept me informed thru this process. My husband passed July of 2020 and I needed to refill in my name only. The process was fast & efficient. She truly is an asset to your company.

    ...

  • author
    Chris Thomas
    Mar 24, 2021
    Tony couldn't have been better

    Tony couldn't have been better. He was incredibly thorough and explained the process in detail from the very beginning. He made sure to call me regularly just to keep me in the loop and made sure I didn't have any questions that were unanswered.

    ...

  • author
    Harry Crafton
    Mar 24, 2021
    This was a wonderful and fantastic…

    This was a wonderful and fantastic experience. I was scared I'd lose my mind but, that was made EASY by Rickey. The most mind-bending operation of getting a mortgage I think I could ever tackle, Rickey drove the wheel of the monster truck and made running this mile a smooth ride. I will inform so many vets as I can to call Veterans First & Rickey K. Thank You!!!

    ...

  • author
    Tammy Huffman
    Mar 23, 2021
    This was a great experience!

    This was a great experience! Aaron Heuslein was wonderful to work with. He was always willing to take our phone calls and very helpful! We had lots of questions, almost daily and Aaron always friendly and willing to help us! I really appreciate how easy this process was to refinance even though we kept running into some small issues but we finally got it finished and approved! So thankful for you all !! Great Company! Keep up the great work!

    ...

  • author
    Derek Scott
    Mar 22, 2021
    Denitra was awesome

    Denitra was awesome, she kept in constant communication with us throughout the process. She was able to find out what we really needed and tailor the loan to our needs.

    ...

  • author
    chase binder
    Mar 21, 2021
    Va refinance

    Smooth process and aaron heuslein was there to help every step of the way. 100% recomend working with Aaron through your refinance.

    ...

  • author
    Toni
    Mar 21, 2021
    Excellent Loan Officer!

    Our loan officer (Kitty Franks) was Truly Outstanding! She handled everything from beginning to end in a very professional manner. We fully enjoyed personally working with her. She allowed the process to be stress free. Which is a Blessing in the home buying experience.

    ...

  • author
    Joe
    Mar 19, 2021
    Fantastic Service!

    When Veterans First, called me to indicate they could offer a lower rate in refinancing I was surprised as they had just recently re-financed us into a great rate. Lee Camblin explained that Veterans first was always watching our for their clients to ensure they receive great service. Boy was he right. Lee was very patient with our questions and explained everything to us. Lee made this process virtually seamless and we are thankful to be working with Veterans First and professionals like Lee!

    ...

  • author
    Dustin
    Mar 19, 2021
    Aaron Heuslein was great to work with

    Aaron Heuslein was great to work with. He was responsive to any questions I asked and was quick to respond. Friendly and easy to talk to. Very much appreciated.

    ...

  • author
    Maurice and Kima Smith
    Mar 18, 2021
    Our Homebuyers experience with Veterans…

    Our Homebuyers experience with Veterans First was awesome. Jonathan Riddle walked my husband and I through the entire process with patience and grace. From the first phone call to the “Clear to Close”, Jonathan was right there to guide us and answer any questions we had. He never promised us anything, but always seem to be optimistic. This was our first home purchase and Veteran’s First has made it a wonderful experience. I highly recommend Veterans First. The Smiths

    ...

  • author
    Alexis G.
    Mar 17, 2021
    With You from Day 1 and Beyond

    We have had a great partnership and continued relationship with Veterans First, specifically Lee Camblin in our initial purchase of our first home, and refinance experiences over the years. Lee has been a trusted professional for our family, always keeping lines of communication open, offering support and guiding us through important decisions when it comes to home financing. Thank you Lee & Veterans First!

    ...

  • author
    Chad G
    Mar 17, 2021
    Refinance

    Awesome job by Travis Welfle and the team at Veterans First. The whole process was easy and had great communication. Highly recommend to any other veterans looking to purchase or refinance a home!

    ...

  • author
    Eric Schaffer
    Mar 16, 2021
    Satisfied in Ct.

    Denitra Cosby reached out to me and made me aware of the interest rates dropping. She was very pleasant and easy to talk to, gave me all the information and I agreed to apply for the refinance program. The process was easy and quite fast. Denitra kept in contact with me on the process and how it was going. She was great. This company has always been good would recommend it to anyone. Great Job.

    ...

  • author
    Rachael
    Mar 15, 2021
    Kade was AWESOME

    Kade was AWESOME! We worked with him to get a loan for our home. The process was complicated by COVID, but Kade stuck with us the entire way. Very friendly and helpful. So glad we went with Veterans First.

    ...

  • author
    Mikaylah T
    Mar 12, 2021
    Great Experience

    I worked with Heather Lewis, and she was absolutely lovely and extremely helpful every step of the way. She worked quickly and stayed consistent throughout. I highly recommend working with her.

    ...

  • author
    Shelly B.
    Mar 11, 2021
    Jonathan B. from San Diego rocks

    I can honestly say that this was the most pleasant home loan experience we have ever had. Jonathan is a knowledgable and caring young man. Smooth sailing from start to finish. I highly recommend !

    ...

  • author
    Cassandra Coulter
    Mar 10, 2021
    Outstanding Job Stephanie!

    I started this process about 33 days ago when I found the place I would call home and when I met A beautiful soul name Stephanie. I was a little worried about the process Until Stephanie told me not to worry that it was her job to worry. Well, she meant just that, once I turn it over to her my worries was gone. She handled the process from the beginning to the end and we closed in record time. Stephanie is like Jake at State Farm she is the real deal! I would recommend her to everyone. Excellent job Stephanie Smith! Thank you!

    ...

  • author
    Kris
    Mar 10, 2021
    Denitra Cosby is amazing!

    Denitra Cosby has been amazing to work with. Always has an answer or quick response to an issue. She has communicated clearly every step of the way. Above an beyond expectations!

    ...

  • author
    surginator
    Mar 09, 2021
    Lee Camblin assisted me with my VA…

    Lee Camblin assisted me with my VA refinance. He responded promptly to all my questions and was quick to notify of any changes in the status of my application. He made it possible for me to complete the refi with minimal effort and disruption on my end.

    ...

  • author
    Renee Willette
    Mar 09, 2021
    Mr Ernesto was very helpful

    Mr Ernesto was very helpful

    ...

  • author
    Fred Hudak
    Mar 06, 2021
    It was a great experience with Veterans First…

    It was a great experience with Veterans First with the process of me getting my REFI. It probably took a little longer than I would have liked. Because of me being retired (multiple times) my income was from multiple sources. Aaron Heuslein went well beyond what I would have considered normal to help me gather the necessary documents. I have worked with many financial institutions when buying or selling my homes or getting HELOCs and Veterans First would be in the top tier. The help and support I got from Aaron Heuslein would be the reason for recommending Veterans First.

    ...

  • author
    Larry Bruner
    Mar 06, 2021
    Ernesto was knowledgeable

    Ernesto was knowledgeable, courteous, and professional. My experience with him and Veteran’s First Mortgage was top notch.

    ...

  • author
    Conan Martin
    Mar 05, 2021
    A veterans experience with Veterans First

    Our experience with Veterans First was through Caleb Caron. The experience flowed smoothly, and professionally in less than 45 days. When the process hit any bumps, like a major winter storm delaying business, Caleb took corrective action on our part and guided us through to closing. When we purchase any other properties, we will be using Veterans First and Caleb. We had a five star experience.

    ...

  • author
    mike smith
    Mar 05, 2021
    I worked with Donicka and she helped me…

    I worked with Donicka and she helped me every step of the way, kept me posted on all information and helped explain things to me that I didn't understand.

    ...

  • author
    charlotte dobbins
    Mar 03, 2021
    Taylor Veterans First

    Taylor, at Veterans First, was extremely helpful and very patient through out this home buying experience. Taylor remained positive through all this, which is very helpful through out. I highly recommend Veterans First to anyone.

    ...

  • author
    Tim Gudridge
    Mar 03, 2021
    Veterans First is for real..

    Not many lenders go out of their way to ensure success like Brakken Barber.. He was outstanding during the entire process and made sure that everything was in order. This was a difficult week with so many moving transaction going on.. He was on top of everything. We appreciate his efforts and would recommend him to everyone..

    ...

  • author
    Jonthan Evans
    Mar 01, 2021
    Look no further.

    Call veterans 1st mortgage after our Lender left us in a bind and time crunch. Caleb didnt hesitate jumping in and helping us get to our closing on time. Any questions that we had, he informed us of all the possibilities and which one was best to take. I can't say enough good things about caleb. Thank you both caleb and veterans first for helping us get our first home.

    ...

  • author
    Vince
    Feb 26, 2021
    Nicolaus was great and extremely…

    Nicolaus was great and extremely knowledgeable while helping me obtain my VA loan. I will be recommending and using him again for future purchases!

    ...

  • author
    Mickie Wang
    Feb 26, 2021
    Great service!

    On point to get my client to closed the load. During the whole time, we had great communications to make sure our client gets the best service. Thank you so much for helping my well-deserved client got into his home.

    ...

  • author
    Steven Nelson
    Feb 26, 2021
    Thank you Lee Camblin !

    Thank you Lee Camblin for your excellent service to refinance my home ! Keep up the excellent work and I appreciate how quickly and efficiently you accomplished my goal .

    ...

  • author
    Richard Shell
    Feb 25, 2021
    Refinancing in covid time

    I was assisted with my new mortgage by the most professional care of Mike Sanders at veterans first. He was able to get my payments reduced a great deal and made the process simple and painless all the while keeping my family safe from the virus. I would recommend him and his company highly.

    ...

  • author
    Joanne Meeks-Herbert
    Feb 25, 2021
    I had an Awesome Experience with Shantel Cornejo. ling…

    I had an Awesome Experience dealing with the best Loan Officer Shantel Cornejo. She is very good at what her job entails. When times got a little hectic with the paperwork she made sure that she let me know step by step it wasn't going to be easy. This I like because she was being honest with me with what was about to come. Her professionalism and kindness helped a great deal. She made me want to continue even when I was ready to give up. I applaud Shantel's outstanding support in helping me buy a Condo.

    ...

  • author
    Jessica Pike
    Feb 25, 2021
    Denitra Cosby is awesome

    I had a wonderful experience working with Denitra Cosby on getting my mortgage refinanced at an awesome rate. She was patient and persistent but not pushy at all. I so appreciated her interpersonal style and willingness to answer every question I had, which is usually a lot! Thank you!

    ...

  • author
    Aimee LeMasters
    Feb 25, 2021
    Excellent experience because of our…

    Excellent experience because of our loan officer, Shantel!! Throughout this lengthy process, she kept us informed, answered all questions promptly, and always had a positive, professional attitude. Thank you Shantel, for walking us up the path to our new home!!

    ...

  • author
    Willie Seals
    Feb 25, 2021
    Ms. Denitra Cosby

    Ms. Cosby made our refinancing experience very easy. She was very informative, answered all of our questions with clarity, and provided us with great Customer Service. She is definitely a class act.

    ...

  • author
    Mw SmithJr
    Feb 25, 2021
    e Mike Sanders @ Veterans wonderful experience to do…

    I’ve had the wonderful experience to do business with Mike Sanders, my loan officer. Mike has the ability and attitude to make a client feel as he is special and a friend. He is always gonna be there for any question that I have and explains options that will benefit me. Mike has that quality about him that makes a person feel safe and made the right choice in choosing Veterans First to have as the right company to know you are in good hands. I have enjoyed talking to him about future choices that would benefit me and my future. Mike is a fantastic addition and compliment to your company. Keep up the great job. Recommend y’all to family and friends anytime.

    ...

  • author
    Roy Pennington
    Feb 23, 2021
    Veterans First started out to be very…

    Veterans First started out to be very efficient. The loan officer, Anthony promised things would go smooth. He also assured me I wouldn't have to worry about my mortgage being sold off. Veterans First would carry the loan. They carried it all right. Right to the first buyer that came along. And before the first payment was due!! Be Careful. I do not recommend this company to anyone unless your ok with being lied to.

    ...

  • author
    Patrick Carroll
    Feb 23, 2021
    Veterans Aaron Heuslein

    Ever since Aaron Heuslein contacted me about refinancing my house he has done an excellent job. Was there whenever I needed him. Kept in contact with me all thru the process, constant updates. Really liked that he "held my hand" thru the whole process. Too bad they only give 5 stars, I would have given 10!!!!!

    ...

  • author
    chris c.
    Feb 23, 2021
    I couldn't have picked a better person…

    I couldn't have picked a better person than Tony. He was always in contact with me and gave me a heads up on my loan. If I hear of anyone in my family who needs a new loan I will definitely recommend Tony P!

    ...

  • author
    Tom
    Feb 23, 2021
    I'm giving 2 thumbs up to Tony Peck and…

    I'm giving 2 thumbs up to Tony Peck and Veterans First Mortgage for the refinancing of my mortgage. Starting with our first conversation, Tony was always professional and honest with information and answers. He also kept me informed as to where we were in the process. Easiest refinance ever! Tom W.

    ...

  • author
    Bob Colby
    Feb 23, 2021
    In the 2 yrs plus that I have had my…

    In the 2 yrs plus that I have had my home it is my honor to have had Mike Sanders as my Loan Officer. Mike is very down to earth and friendly with his clients making everything very easy to understand and willing to answer any and all questions you may have. I would recommend Veterans First and Mike Sanders to anyone I know for both veterans and home loans. It's been a pleasure working with Mike and knowing if I have a question he is but a phone call away

    ...

  • author
    Luz Berrios
    Feb 23, 2021
    Best customer service!

    Tony Peck worked with me thru the process and it was excellent! Very professional and helpful. Answered all my questions and my experience was exceptional. This was my second time using his services and I wouldn’t go to anyone else. The Best!!! Thank you Tony. Luz

    ...

  • author
    BRIAN DRISCOLL
    Feb 22, 2021
    Aaron Heuslein work through the process…

    Aaron Heuslein work through the process with me and the rate was good !

    ...

  • author
    skg
    Feb 22, 2021
    Vertern's First got it done!

    Even though getting a loan is stressful, I am sure glad we had Heather Lewis of Vertern's First to work with. Fast,efficient get the job done,she is your gal! Pleasure working with her.

    ...

  • author
    Alstair Allison
    Feb 22, 2021
    I closed on my house 02/16/21.I’m so…

    I closed on my house 02/16/21.I’m so happy with everything include my interest rate as well. A special thanks to My loan officer, C.Bushnell for his Professionalism and accuracy. I’m pleased with my experience, choosing Veterans First Mortgage.

    ...

  • author
    Amanda Edgmon
    Feb 21, 2021
    We just closed for a lower interest…

    We just closed for a lower interest rate! Thank you to Denitra Crosby for always responding quickly to our questions in such a professional manner. You all have saved us tens of thousands of dollars! This company and its staff treats our Veterans how they should be treated! I highly recommend this company!

    ...

  • author
    Bishop Felton
    Feb 19, 2021
    Tony P

    Tony P, is like family, always looking out for me and my family when the opportunity present itself for us to prosper. Helping to save us on our mortgage increases our chances for a early payout in less time. Tony has been a blessing and a good friend. Tony is like a brother from another mother.

    ...

  • author
    Kyle Smith
    Feb 19, 2021
    VFM Loan Officer Paul Shamoon

    My loan officer Paul Shamoon has been awesome. I am EXTRAORDINARILY busy as most of us are, and Paul has been on top of the entire process, gently reminding me when I owe him things. Wonderful experience, and with a 1.75% rate, I couldn't be happier. Highly recommend Veterans First Mortgage!

    ...

  • author
    Rickey Vaughn
    Feb 18, 2021
    Shauna Bywater is the greatest,she a …

    Shauna Bywater is the greatest,she a professional at what she does.she kind and polite,and guides you thru the process of a va loan with ease and comfort.i recommend every one looking for a va loan or any morgage loan for that matter to ask for Shauna Bywater...thank you shauna for all your help

    ...

  • author
    Mary Thompson
    Feb 18, 2021
    VA Streamline a success!

    I was called by Chase Johnson in mid December of 2020 to discuss refinancing our home. As we were sitting at an interest rate of 3.5, I really had no desire to go thru another refi. However, I had some time, so I listened to his pitch. It all made sense to me. Chase is soft spoken and not overbearing and that’s the main reason I let him talk in the first place. Well, fast forward, we went ahead with the streamline. We locked in at 2.25 and today the rates are climbing again! Chase worked very hard to ensure everything was handled with little or no effort on our part. We close this Monday, 2/22/2021. My husband and I appreciate his help and would not hesitate to recommend Chase Johnson for all of your VA loan needs or any other mortgage for that matter. M and M Thompson

    ...

  • author
    Sean Fisher
    Feb 18, 2021
    Denitra did an amazing job

    Denitra Cosby did an amazing job in getting me an extremely low rate for my loan. I am extremely happy with my current monthly payment and interest rate and feel like I am in a much better position with my loan as of now.

    ...

  • author
    Anthony Salerno
    Feb 18, 2021
    AWESOME CUSTOMER SERVICE

    I worked with Stephanie and Danielle to get our refi completed. Both are easy to talk to and answered my question almost immediately! Great customer service skills and a true dedication to getting the job done! Thank you!

    ...

  • author
    Robert L Mann
    Feb 18, 2021
    refi

    I worked with Tony Peck to secure my refi. Although I`m not that tech savvy he was able to guide thru the entire process. His professionalism and dedication made this a pleasureable experience.

    ...

  • author
    Gary Schleitwiler
    Feb 17, 2021
    Elizabeth Bauer

    Thanks to Elizabeth Bauer, my loan officer, I was able to secure an interest rate of 2.5% and with her help was able to complete my refinance in record time. Her service through this process was exemplary. I felt very confident and at ease throughout the refinance. She took time to explain areas of the contract that I was uncertain of and needed explanation. My hats of to her and her team for a job well done!

    ...

  • author
    KARA
    Feb 16, 2021
    Awesome REFI with Tony Peck

    Tony Peck was our loan officer for our refinance. It was very easy and painless. He explained everything in advanced and had no surprises. If buying or refinancing a home was always this easy more people would do it! Thank you Tony

    ...

  • author
    Teresa Hight
    Feb 15, 2021
    Easy refi!

    Tony Peck was our loan officer for this refi and it was very easy and painless. If buying or refinancing a home was always this easy more people would do it! Thank you for explaining everything to us in advance and for no surprises! We appreciate you!

    ...

  • author
    Chelsea Caudillo
    Feb 15, 2021
    Denitra Cosby was professional and…

    Denitra Cosby was professional and knowledgeable with all of my questions about VA Streamline. It was a breeze and it reduced my payments which I love. Could of not done it without your help Denitra. Keep up the great work. An asset to this company.

    ...

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