Veterans United Home Loans

Veterans United Home Loans is a mortgage lender that specializes in VA home loans for eligible US military borrowers. It is consistently one of the largest VA lenders in the country by volume and focuses almost exclusively on serving veterans, active-duty service members, National Guard and Reserve members, and surviving spouses.

VA loans are a home loan benefit backed by the US Department of Veterans Affairs. They are available only to eligible veterans, active-duty service members, and certain surviving spouses. VA loans typically require no down payment, no private mortgage insurance, and generally offer competitive interest rates. A VA funding fee usually applies, though certain disabled veterans may be exempt.

Veterans United operates primarily online but also has physical offices in a number of locations across the country. It provides support resources including pre-purchase counseling and credit improvement assistance for borrowers who may need time to improve their financial profile before applying.

Beyond VA purchase loans, Veterans United also offers VA refinancing through the Interest Rate Reduction Refinance Loan, sometimes called IRRRL, as well as cash-out refinancing. In some cases it also originates conventional loans, though VA loans are its primary focus.

Before choosing Veterans United, compare its rates, closing costs, origination fees, and turnaround times with those of other VA-approved lenders, including large banks, credit unions, and other mortgage specialists. VA loan rates and fees can vary significantly between lenders even for the same borrower, so shopping multiple quotes is always worthwhile.

Military members who are unsure of their VA eligibility should obtain a Certificate of Eligibility from the Department of Veterans Affairs or ask a VA-approved lender to help obtain one during the application process.