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Initiatives


At Veterans United Home Loans, our success is largely defined by the significant, lasting impact we have on our community. Our core values involve a passionate approach to enhancing lives and delivering results, which applies just as much to our philanthropic involvement as it does to our business strategy. In our continuing effort to create real change for the better, we partner with reputable organizations and participate in various charity events that reflect our attitude toward a safer, cleaner, healthier and more educated community:

United Way

Veterans United Home Loans and its employees donated more than $450,000 to the Heart of Missouri United Way in 2010, the largest single donation from a private company in the nonprofit's history. The company's new foundation has pledged another $300,000 for the agency's 2011-12 campaign.

The Dream Factory

The Dream Factory is one of the largest foundations dedicated to helping children with illnesses or disabilities live their dreams. The organization has 38 chapters throughout the country and has granted more than 25,000 dreams. Veterans United employees and other sponsors helped raise more than $60,000 for the organization over the last two years through the annual Dream Factory Poker Tournament. We were named National Corporate Sponsor of the Year in 2009 and we continue to be a top contributor.

Big Brothers Big Sisters

We believe that having a positive impact on the community means more than just donating money. Veterans United takes pride in influencing lives on a personal level. In 2009, Big Brothers Big Sisters of Central Missouri set out to match 100 men throughout the community with "little brothers" from the program in a span of 100 days. Veterans United signed up more mentors for the challenge than any other organization, including Alberto Barba, featured in this KOMU segment.



Homes for Our Troops

Homes for Our Troops helps veterans with severe injuries or disabilities by aiding in the construction of specially adapted homes. This nonprofit is sensitive to the needs of veterans with disabilities and aids in the production of homes that enable maximum comfort, functionality and safety.

Fisher House Foundation

The Fisher House Foundation gives military families a comfortable place to stay while a loved one is treated at a military or VA medical center nearby. Operated by the Department of Veterans Affairs, the Fisher House is available for families free of charge.

Wounded Warrior Project

The Wounded Warrior Project's mission is to "honor and empower wounded warriors." The organization's unique programs aid the needs of injured service members by facilitating public awareness and encouraging networking between wounded service members and the community.

Coyote Hill 5K

Located near Columbia, Mo., Coyote Hill is a home for abused and neglected children. In addition to caring for the basic physiological needs of children, the owners stress the importance of providing love and emotional support. In 2010, Veterans United employees sponsored and participated in a 5K run/walk.

National Coalition for Homeless Veterans (NCHV)

Veterans United is extremely honored to have been recognized as a Corporate Partner of the Year for the National Coalition for Homeless Veterans in 2008, considering that we are passionately dedicated to helping veterans find homes every day. The NCHV puts veterans and their families back in homes by influencing legislation and working extensively with community organizations. Read about our visit to the NCHV's Annual Conference on our YouServed blog.

Paralyzed Veterans of America

At Veterans United, we sincerely understand and acknowledge the life-changing impact of serious service-related injuries. That's why we donated $20,000 to Paralyzed Veterans of America in order to help paralyzed athletes attend the National Veterans Wheelchair Games in Omaha, Neb., in 2008. In addition to helping veterans enjoy adaptive sports, PVA also coordinates educational efforts focused on improving health issues related to spinal cord injury and paralysis.

YouServed Blog

Sometimes giving back to the community can be as simple as keeping you updated. On YouServed, our staff regularly posts military-related news, photos and podcasts, and more than 7,500 listeners tune in to our live show each week. We stay heavily involved in the military blogging community by featuring popular guests, conducting interviews and responding to your feedback.

Charity for Charities

Veterans United collaborated with AllMilitary to form the Charity for Charities program, which helped 10 military charity groups. Our partnership donated $4,000 to various organizations, including the overall winner, Soldiers' Angels.

Soldiers' Angels

A volunteer-led nonprofit, Soldiers' Angels bears the slogan, "May no soldier go unloved," a sentiment that we strongly believe in. The organization manages a wide variety of programs and services that provide support for service members, veterans and their families, both at home and abroad. Veterans United has made contributions to the group's Operation Valour-IT program, which provides technological benefits for wounded veterans, including voice-operated laptops.

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Testimonials
"We are so happy and couldn't have asked for a better team of people to work with ... anytime we had a question, they were right there with an answer or advice."

- Danny Hass (Texas)
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- Jerry Conner (Michigan)
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Veterans United Home Loans is not affiliated with any government agencies, including the VA.

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.
 
Learn More Get complete eligibility details »

Private Mortgage Insurance (PMI):
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.
 
Learn More How VA Loans are different »

Department of Veterans Affairs:
A branch of the federal government that administers a variety of services for veterans, including the VA Loan benefit.

Guaranty:
With VA Loans, the federal government backs each mortgage with a promise to repay the loan amount should a borrower fail to pay.

VA Jumbo Loan:
A loan that's larger than the limit allowed in a specific region. Jumbo loans are rather complicated; contact us to learn more.
 
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Certain Situations:
VA Loans can't be used to purchase second or vacation home or rental properties.

Interest Rate:
The amount a lender charges a borrower to borrow money.
 
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Funding Fee:
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.
 
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Closing Costs:
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.
 
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Zero Money Down:
When no down payment is required. The VA Loan is one of the only remaining loans that doesn't require any money up front for a down payment.
 
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