Our VA mortgage specialists can help you finance the home of your dreams using the benefits earned through your service. Learn More
Using the Veterans Affairs loan has many benefits, including no money down, no private mortgage insurance and competitive interest rates. Learn More
Serving our nation's military families is a privilege we value greatly, as noted by our A+ rating with the Better Business Bureau. Learn More
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Why Veterans United Home Loans
#1 VA Lender in U.S.
Veterans United has financed more than $2.4 billion in VA home loans — more than any other dedicated VA mortgage provider.
VA Loan Experts
Veterans United's specialists are industry-leading experts in VA home mortgages and undergo extensive training about VA eligibility and the loan process.
A+ Rating from BBB
Veterans United's dedication to service has earned us the coveted A+ rating from the Better Business Bureau.
Get to Closing Quicker
Veterans United's in-house underwriters, processors and closers and state-of-the-art tracking technology ensures fast turnarounds.
"Veterans United Home Loans is a great resource for our military service members, not just because of its understanding of the VA Loan, but also because of its commitment to military families. When considering using your benefit, Veterans United should be your first choice."
- Gen. James Kelley
U.S. Army (Ret.) Veterans United Director of Military Relations
"I am proud to stand with Veterans United Home Loans to help veterans take full advantage of the benefits they have earned."
- Brian Stann
Silver Star Recipient, Marine Corps Captain Professional UFC Fighter and Veterans United Customer Veterans United Spokesperson
"At Veterans United Home Loans, we deliver results in a variety of ways. Through our sponsorship of the Veterans United Home Loans No. 32 car, now we're delivering results at speeds upward of 200 mph. Get more information about our car and when you can see it on the track next."
"Nathan Long, chief executive of (Veterans United Home Loans), a mortgage lender in Columbia, Mo., and a brokerage firm that specializes in such loans, said a VA loan is a mortgage that is guaranteed by the United States Department of Veteran's Affairs ... Another benefit ... is that the seller is permitted to pay all of the buyer's closing costs."
"(Veterans United Home Loans) is a 9-year-old company that provides home financing and refinancing for service members, veterans and their families. It currently has about 500 employees."
"For a roving Coast Guardsman like Scott Dow, renting was a way of life. But after 21 years of service, Scott knew it was time for a change. And thanks to the unique perks afforded to veterans through the VA Loan program, he was able to not only buy his first home, but also trade up for an even better property."
"Veterans, members of the reserves, active duty service members, and even some spouses may be eligible for similar home loans through the U.S. Department of Veterans Affairs. By guaranteeing a portion of the mortgage against default, the agency enables VA-approved lenders to offer eligible applicants access to home loans with no money down."
"Long credits (Veterans United Home Loan's) success to specialization in VA Loans and having trained VA Loan specialists answer every incoming call. They often can prequalify the veteran for a loan quickly, then hook veterans up with Realtors experienced in dealing with VA Loans."
"These loans were created with the military lifestyle in mind. It is common that a family must relocate or deal with a member being deployed overseas, which can make it difficult for the family to find financial stability and often leads to a struggle in obtaining a home loan."
"Working with (Veterans United Home Loans) was fantastic. We got to closing on time. We had a very short deadline to get there and they made it happen for us. Our broker was really knowledgeable with everything going on in the market. He knew when to lock in the interest rate and how to get us to closing fast."
- Gotts Family
"Even though we never met in person, I feel as though we knew each other as friends, and I still marvel that we conducted business via internet and long distant phone calls to close a quarter of a million dollar deal; signing all the closing documents at a local title company here in Utah."
- Lindgren Family
"Mike Mange is the most professional person I have ever dealt with from any company. From the first call he answered all of my questions no matter what time day or night, and everything he told us was going to happen did, right on schedule."
- Kessler Family
"Nothing could have made this experience better. I feel that everything went smoothly. Ben was very helpful from the beginning to the end. He was always keeping me informed and went above and beyond to find out information about certain questions I had. Ben Choi has made our first home buy a great one and I would highly recommend him to our family and friends."
- Uriel Silvaalcala
"They know the VA home loan. It's was not only our first experience with the VA home loan, but our first home ever we were purchasing. Gardell took the time to walk us through all of it, and was always ready and willing to answer any and all questions we had."
- Hobbs Family
Advantages of a VA Loan
Why A VA Loan
About VA Loans
Eligibility
How To Get Started
#1 Loan for Military Home Buyers
The VA Loan has many advantages that make it one of the most appealing paths to homeownership — and this great benefit is reserved exclusively to those who bravely served our country and select military spouses.
When combined, the benefits of the VA mortgage allow service members and veterans to take advantage of substantial cost savings under qualification requirements designed specifically for members of the military and their unique needs.
Lower Payments
No private mortgage insurance and low, competitive rates mean lower monthly payments.
0% Down
The VA home mortgage is one of the only home loans available today with this money-saving benefit.
Easier to Qualify
80 percent of veterans and service members can't qualify for a conventional loan.
First-Time Buyers
Loans from the VA program are also optimal for first-time homebuyers. More information
A Benefit Paid For By Your Service
Originally created by Congress in 1944, the VA Loan has been used by over 18 million families to realize the dream of homeownership. With today's tight credit markets, the VA Loan has emerged as the premier choice for service members and veterans of the Armed Forces. Not only does it offer tremendous value, but it also takes into consideration the unique situations military families face when attempting to purchase a home.
$65B
Total value of VA Loans issued in FY2010
52%
Percentage of VA mortgages in FY2010 for first-time buyers
89%
Percentage of veterans loans in FY2010 closed with 0% down
314K
VA mortgages guaranteed in FY2010
Millions of Veterans Qualify
In general, a veteran is eligible if he or she meets any one of these requirements:
• Served 181 days during peacetime (Active Duty)
• Served 90 days during war time (Active Duty)
• Served 6 years in the Reserves or National Guard
• You are the spouse of a service member who died while in service or from a service-connected disability.
Getting Started is Easy
Just complete our online questionnaire or give us a call at 800-884-5560 to begin the process. Our team of loan specialists works exclusively with VA mortgages, meaning you'll have access to unparalleled knowledge and experts who have made the process as simple and efficient as possible.
We're proud to serve those who served our country and work hand-in-hand with you during all the phases of the process.
Focus on VA Loans
Our specialists are experts in VA home loans and we've streamlined the entire process.
#1 Dedicated Provider
Being the national leader means our customers benefit from unmatched experience and expertise.
Five-Star Service
Our customers are always our top priority. We're here 24/7 for all your needs.
A+ BBB Rating
We've held this coveted Better Business Bureau rating for five consecutive years.
Questions?Call us now at 800-884-5560 to talk with a VA mortgage specialist.
Veterans United in the Community
In The Community
Veterans United Home Loans and its foundation, Veterans United Foundation, is passionate about giving back to the community. Our staff has donated nearly $1 million and contributed thousands of volunteer hours to great organizations that improve communities and the lives of veterans across the nation.
Big Brothers Big Sisters
Veterans United employees are active in donating their time and energy to this world-class mentoring program by serving as positive role models to children.
Paralyzed Veterans of America
Through our employees' donations and efforts, Paralyzed Veterans of America was able to send injured veterans to participate in the Wheelchair Games to compete.
Habitat for Humanity
Veterans United employees donated thousands of hours to building, from the ground up, a home for a veteran and his family.
United Way
Veterans United employees donated more than $431,000 to the local chapter of the United Way to support a wide variety of nonprofits.
Veterans United earned the honor as the presenting sponsor for the Dream Factory of Central Missouri's annual poker tournament... Read More
Questions?
#1 Dedicated VA Lender in the Nation*
Call us now to speak to a VA Loan Specialist.
800-884-5560
Veterans United Home Loans is not affiliated with any government agencies, including the VA.
At this time, Veterans United Home Loans is not able to do business in New York.
Please visit VA Mortgage Center.com, a licensed lender in your state.
Questions?Call us now at800-884-5560to talk with a VA Loan specialist.
Eligible Military Service Members and Veterans:
In general, eligiblity includes 181 days of peacetime service, 90 days war time service or 6 years in the reserve or National Guard. Some surviving spouses of veterans who died while in service or from a service-connected disability may also be eligible.
On most mortgages, borrowers who can't put down 20 percent of the loan amount are required to pay private mortgage insurance. It protects lenders against borrowers who default and also helps borrowers who can't muster a large down payment. There is no PMI on a VA loan.
A mandatory fee paid to the VA assigned to all VA Loans. The funding fee amount can be financed, meaning the cost won't come out of your pocket at closing. Borrowers with a service-connected disability are exempt from paying the fee.
Closing costs are the charges and fees associated with processing and finalizing a loan. With the VA Loan, there are predefined closing cost limits: a 1 percent lender origination fee, reasonable discount points and other reasonable and standard fees and charges.
Featured In 
Why Veterans United Home Loans 
Advantages of a VA Loan 
Questions? 
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