Veterans United Home Loans Mortgage Review 2020


Veterans United Home Loans offers mortgages to veterans and military families in all 50 states and Washington, D.C., and specializes in U.S. Department of Veterans Affairs loans. In 2018, Veterans United Home Loans generated the largest number of VA loans in the nation.

  • VA loan specialization
  • Military membership not required
  • No minimum loan amount

  • 660 minimum FICO credit score required
  • Home equity loans aren’t available

Veterans United Home Loans specializes in VA loans and refinancing. Fixed- and adjustable-rate mortgages are available with no minimum loan amount. With VA and USDA loans, borrowers can obtain a zero-down mortgage.

Chris Birk, Veterans United Home Loans director of education, says the company’s staff “has a strong understanding of the VA home loan process and the unique circumstances facing veterans, military members and their families.”

Veterans United Home Loans offers:

  • Conventional mortgages
  • VA loans
  • U.S. Department of Agriculture loans
  • Federal Housing Administration loans
  • Mortgage refinancing
  • Mortgage with no down payment
  • 5/1 ARM loans

Veterans United Home Loans does not offer:

Although Veterans United Home Loans specializes in VA loans offered exclusively to current and former military members, military affiliation is not required to apply for mortgage products.

Veterans United Home Loans has flexible qualification requirements. The maximum debt-to-income and loan-to-value ratios vary depending on the borrower’s unique circumstances. Consumers with a FICO score as low as 620 may be approved for a mortgage.

There is no minimum loan amount for mortgages with Veterans United Home Loans. The maximum loan amount is $1.5 million. As with other lenders, VA and USDA loans are available with no down payment, and FHA loan down payments can be as low as 3.5%.

Veterans United Home Loans does not disclose rates for closing costs and other fees.

Veterans United Home Loans has an A+ Better Business Bureau rating.

Using the myVeteransUnited online platform, borrowers can complete the entire mortgage application and documentation process online. Prequalification, document upload and signatures, loan team interaction and tracking are available through the platform.

  • People who are seeking a VA home loan
  • People who are seeking a mortgage with no minimum amount
  • People who need flexible approval requirements


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