While I appreciate the benefits of using Veterans United, my loan officer, Spencer, and my loan coordinator, Julie, were terrible to work with.
- They were impossible to reach when I had questions. Although, if they called or texted with a question, I would get back to them and then try to ask my question and be left without a response again.
- Julie did not understand my income, which caused a delay in my closing. I explained it four times over a period of about a month, but she didn’t understand how travel contracts work, and she kept calling me a travel nurse, but I’m a travel CT Tech.
- I only spoke on the phone with Spencer like 4 or 5 times throughout the whole process because he was never available. Once my closing was delayed because of him and Julie, I called three times in a row and he just texted me “I’ll call when I can” with no sense of urgency.
- Because there was a discrepancy with closing costs, Spencer’s first idea was to increase my interest rate by 1.4%. Luckily, my real estate agent offered to lower their commission so I could keep my rate, but I was unimpressed with the first option being to increase my burden.
- Spencer assured us that if we increased our rate the day before closing, it would work, but it actually triggered a disclosure error that would have delayed our closing by another three business days. Luckily my real estate agent knew this, which is when she offered to lower her commission. I was unimpressed that Spencer didn’t know the error would occur.
- When I finally did close, no thanks to them, I received a message the following day from Spencer congratulating me that my loan was funded, but I knew that because it happened a day before and I already closed.
Julie and Spencer really seemed like they had never done this job before, and had no interest in learning it.

I've used Veterans United for four home purchases and was really excited to use them again. This time, however, I felt a little bit like an afterthought. For more reasons than one, I felt that my desires were not getting through to my loan servicing team. Communication could have been better. I sent several thorough emails and received one sentence responses 7 days later. When I'm up against the clock, have work obligation, and I'm dealing with something as expensive as buying a house, I'd expect a little more prompt and substantial feedback. All in all the experience was fine and I would still recommend Veterans United but I would encourage other lenders to ensure that their responses and timeliness are commiserate with what they're receiving.

Some people were good some people I had to beg them to send me stuff they said they would send a week ago on multiple occasions. Some people would have good response times (within a couple days) some people would ghost me for weeks after I tried multiple times to get into contact with them. Some people when I needed something from you guys would get me my help. Some people the only time they would communicate with me is when they needed something from me.

A fabulous experience! Spencer was awesome.