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Veterans United Employee Heather Carmichael

Heather Carmichael

Heather understands the excitement and significance of purchasing a home—especially for Veterans and service members. With deep personal ties to the military—her brother is a Navy officer and her father a proud Navy Veteran—Heather is passionate about helping those who have served achieve the dream of homeownership.

A graduate of Missouri State University, Heather brings not only strong educational credentials but also a genuine commitment to making your home buying journey smooth and stress-free from start to finish.

Heather is from Mid-Missouri and is happily married to her husband, Kris, and together they have four children: Kolton, Hadley, Kenlee, and Dawsyn. As a family, they love traveling and cheering on their favorite teams at college, professional football and baseball games.

Heather’s extensive knowledge of the VA home loan program, paired with her personal dedication and enthusiastic approach, makes her an invaluable partner in your home buying process. Whether you're purchasing your first home or your forever home, Heather is here to guide you every step of the way.

Veterans United Employee Heather Carmichael

Heather Carmichael

Loan Officer NMLS #2732336

Contact Information
Office 573-876-2600 x4536
Email heather.carmichael@vu.com
Address 550 Veterans United Dr, Columbia, MO 65201

Reviews

See what 35 customers have said about Heather Carmichael

5 out of 5 Stars

Everyone at Veterans United was fantastic, but I especially want to recognize Heather Carmichael for the extraordinary service she provided throughout our home-buying journey.Buying a home is a major milestone, and purchasing one out of state after not going through the process for more than a decade felt overwhelming at times. Heather made the entire experience seamless. She patiently guided us through every step, answered all of our questions, addressed every concern, and was always responsive, knowledgeable, and supportive.Her professionalism, dedication, and genuine care gave us complete confidence throughout the process. We are incredibly grateful for everything she did to help us purchase our new home and couldn't have asked for a better experience. Thank you, Heather, for going above and beyond!

5 out of 5 Stars

They went above and beyond to ensure the loan was approved. After the approval, they continued to reach out, making the Jome buying experience enjoyable.

4 out of 5 Stars
5 out of 5 Stars
5 out of 5 Stars

Heather and her team were there from day 1. Very hands off process from the beginning. Great communication and always replied right away to any question. Couldn’t be happier!

5 out of 5 Stars
5 out of 5 Stars

First time homebuyer. Pleasant experience, and would choose again in the future.

4 out of 5 Stars
4.5 out of 5 Stars

Heather was amazing. Truly supportive and understanding of our concerns and goals through the process. Very communicative.

5 out of 5 Stars

Very easy and transparent experience.

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