Why Veterans United Home Loans
Dedicated VA Loan Provider
Veterans United has financed more than $3.3 billion in VA home loans — more than any other dedicated VA mortgage provider.*
Top retired leaders from every branch of the military have joined the Veterans United team to raise awareness about the VA Loan.
VA Loan Experts
Veterans United's team of industry-leading VA Loan experts undergo extensive training to ensure a smooth loan process.
VA Loan Information
#1 Loan for Military Home Buyers
The VA Loan offers veterans, service members and eligible spouses one of the most flexible, benefit-packed lending options on the market. The program, reserved exclusively to those who bravely served our country and select military spouses, opens the door of homeownership to many who would otherwise not have access.
Looking deeper into the benefits of a VA mortgage, service members and veterans can take advantage of substantial cost savings with qualification requirements designed specifically for military members and their unique needs.
The absence of mortgage insurance mixed with competitive rates means immense savings.
Easier to Qualify
At least 80% of Veterans and service members using a VA Loan would not have qualified for conventional financing.
The VA Home Loan is one of the only mortgage programs available today with this money-saving benefit.
Loans from the VA program are also optimal for first-time homebuyers. More information
Find Out Now
The best option to determine eligibility is to speak with a Veterans United Home Loans specialist who can determine your qualifications and help you obtain your Certificate of Eligibility.
Questions about whether you qualify? Call 800-884-5560 to speak with an expert.
VA Loan Eligibility Guidelines
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 wartime (Active Duty)
- Served 6 years in the Reserves or National Guard
- You are the spouse of a service member who was killed in the line of duty
Refinancing with a VA Loan
Through the VA Loan program, two main programs emerge to help VA borrowers refinance into more favorable terms or to take cash out of their current mortgage — the VA Streamline Refinance, sometimes known as the Interest Rate Reduction Refinance Loan (IRRRL), and the VA Cash-Out Refinance.
Two Ways to Refinance:
Otherwise known as the VA IRRRL, this option is optimal for existing VA Loan borrowers looking to increase savings with a more competitive interest rate.
This option is for any borrower with a VA or Conventional loan who is looking to take advantage in the equity of their home, accessing cash for improvements, emergencies, paying off debt or any other purpose.
VA Loan Rates
Competitive interest rates have led many potential homeowners to decide that now is the time to buy. With the VA Loan, you can capitalize on favorable interest rates and terms that are driving this buyer's market.
Although your interest rate is influenced by a variety of factors, all VA Loans are backed by the federal government, ensuring lenders such as Veterans United can charge competitively low interest rates.
Tips for Credit Building
For many military families and veterans, establishing a pristine credit score is difficult and often the biggest obstacle to purchasing the home of your dreams.
Fortunately, Veterans United Home Loans offers a credit building program free of charge. This service helps veterans and military families rebuild their credit and get you on the right track to purchasing a home.