Veterans United Review Staff

In a Nutshell

Veterans United Home Loans is a dedicated VA lender serving active and former members of the US Armed Forces. Veterans United issued more than 45,000 VA loans in 2018, making it the largest VA lender in the country. Veterans United works with new home buyers from across the Armed Forces. Whether you’re retired, on active duty, or deployed overseas, Veterans United offers round-the-clock support.


  • Dedicated VA lender
  • 24/7 customer service
  • Licensed in all 50 states


  • No conventional or FHA loans
  • No home equity loans

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Veterans United at a Glance

Loan types:Purchase, Refinance
Featured Loans:VA
Repayment terms:15-30 years
Minimum Down Payment:0%
Minimum Credit Score:620
Best for:Getting a VA loan from an expert VA lender


Veterans United Home Loans isn’t just dedicated to veterans in name—it’s dedicated to veterans in its actions. Veterans United is easily the largest VA lender in the country, having issued $10.5 billion worth of VA loans in 2018. Its agents live, breathe, and sleep VA loans. More than 1,400 lenders issue VA loans, but Veterans United is the biggest and the most well-known.

Best For?

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

Types of Loans

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

Here are some of the features offered by Veterans United:

  • Veterans United Military Advisors, a team of former senior enlisted leaders from each branch of the Armed Forces whose mission is to educate veterans about homeownership and VA loans.
  • Veterans United Realty, an independent affiliate partner of Veterans United that offers a nationwide network of real estate agents with expertise in serving Veterans.
  • Lighthouse Program, a free service that helps Veterans build their credit score and improve their financial picture before applying for a home loan.
  • Veterans United Foundation, which exists to help military-related families in need and also offers a biannual scholarship to service members and military families.

The Application Process

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

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

  • Minimum eligibility requirements of either: 181 days on active duty in peacetime; 90 consecutive days active duty in wartime; 6 years in the National Guard or Reserve; or spouse of Veteran who died in the line of duty.
  • Minimum credit score of around 620.
  • Minimum down payment of 0%.
  • No need to purchase PMI (private mortgage insurance).
  • Certificate of Eligibility from the VA is a strict requirement. Fortunately, Veterans United helps applicants secure this document.

Pros and Cons

The biggest pro to this service is the expertise and dedication in everything related to VA loans. Veterans United is all about one thing: serving veterans. No other lender has as impressive a track record when it comes to getting veterans and active service people into new homes with zero down payment and zero PMI.

The only obvious downside to using Veterans United is that it doesn’t deal with other types of home loans. If for whatever reason you fail an application for a VA loan, Veterans United isn’t in a position to offer an alternative. For conventional home loans, FHA loans, jumbo loans, or any other type of home loan—it’s best to look elsewhere.

Rates and Fees – The Bare Basics

Veterans United offers highly competitive VA loans.

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

Repayment Terms

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

Help & Support

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

How Veterans United Compares

Veterans UnitedUSAAQuicken Loans
Min. credit score620620620
Min. down payment0%0%0%
Terms15 or 30 years15 or 30 years15 or 30 years
Best forGetting a VA loan with expert advice and assistanceBroad range of loan options for VeteransBroad range of loan options from giant lender

Compared to other major VA lenders, Veterans United offers more expertise and better APRs. USAA is a credit union for Veterans that specializes in all types of home loans. Quicken Loans is America’s largest mortgage lender and has a department dedicated to veterans and VA loans. Only Veterans United is solely dedicated to VA loans—and this is its greatest advantage.


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

Veterans United FAQ

Q: Is Veterans United affiliated with the Department of Veterans Affairs?

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

Q: What is the difference between VA eligibility and loan approval?

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

Q: Is Veterans United really the largest VA lender?

A: Yes, according to the Department of Veterans Affairs own data, Veterans United was the largest provider of VA loans in 2018 by number of loans (45,465) and total loan amount ($10.45 billion). Based on the VA’s data, 7.44% of all VA loans issued in 2018 were issued by Veterans United.

Q: Who operates Veterans United?

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

Physical Address

Veterans United

1400 Veterans United Dr.

Columbia, MO 65203

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