Overall, everything worked out well.
The prices/fees are higher than a lot of the other options out there.
Working with your own bank or credit union would probably result in a cheaper outcome or even with other online loan platforms.
The whole process went smoothly and the customer service and communication was excellent.
This is my second loan with Veterans United. The first time my experience was perfect. Unfortunately, this time it wasn't so great. My original loan officer left for maternity leave, congrats to Erinn she was amazing with my first experience. When the second team took over my loan process it was NOT great! There was a lack of communication from my loan coordinator (Jaclyn). There were several errors made by her that almost cost me the house I was trying to purchase. She gave us the clear to close date and it didn't happen. She supposedly sent the info to the VA for approval on a date only to find out that she sent it six days later. I literally had to call the VA 3 times and do the footwork to get the correct dates and approval conformation. Once the actual loan officer (Kat) from Veterans United got involved the process started moving in the positive direction. It was extremely stressful!! We closed 9 days after the original date. I'm not sure if I would use Veterans United again. I'm only recommending because of my 1st experience with Erinn and the effort that Kat did when she got involved.
Response from Veterans United
Hi Herman,
Thank you for sharing this with me. I’m really glad to hear your first experience with Erinn stood out in such a positive way, but I’m sorry this second loan didn’t live up to that same standard. What you described around communication gaps, timeline confusion, and needing to step in yourself sounds incredibly frustrating, especially during something as important as buying a home.
I’m also sorry for the stress caused by the delay in your clear to close and the closing being pushed back. That kind of uncertainty can make an already complex process feel overwhelming. While I’m glad Kat was able to step in and help move things forward, it’s clear the experience leading up to that point fell short of what you should expect from us.
Your feedback is important, and I’d really like the opportunity to take a closer look at what happened here. If you’re open to it, please reach out so I can review your file in more detail and make sure your concerns are fully addressed. You can contact me directly at 1-800-212-5200 or ClientAdvocate@vu.com.
We’re in the office from 9 a.m. to 5 p.m. Central Time, Monday through Friday, and if you reach out after hours, we’ll follow up the next business day.
Sincerely,
Claire S., Client Relations Manager
My home loan team went above and beyond with trying to help me close at the perfect time, they worked for weeks on my loan and we were able to get everything done on time. I’m so thankful for my team
The whole team was great to work with. Very caring people that really do want to help you get into your new home. They definitely do whatever they can to help you through the whole process.
I would absolutely not recommend Veterans United as a lender. The loan officer severely lacked communication, the ability to explain the loan estimate/closing document, and was dishonest. I decided to go with another lender who clearly explained his loan estimate and what to expect moving forward with how my seller concessions could be applied. When withdrawing my application with Veterans United, the loan officer promised better communication and provided a lender credit and a significant decrease in closing costs. I decided to stay with Veterans United and what a mistake. The communication ended up being worse than before to the point where I didn't receive my final closing disclosure (after requesting multiple times) until the day before signing which reflected a significant increase in closings costs by thousands (classic bait and switch). The final closing document provided also ended up being incorrect and had to be adjusted and signing was pushed back due to this. The loan officer told me multiple times I couldn't use seller concessions (2.5%) toward the VA funding fee because I put too large of a down payment down (10%). This ended up being a lie and increased my loan amount by over $6,000 on top of the thousands in increased closing costs. The loan officer pretty much became non-responsive while I continued to question this and told me to pretty much "figure out" how much of the seller concessions was used in total. In doing this, I found out there were thousands left on the table in unapplied seller concessions. In the end, my escrow officer ended up helping me by contacting a closer and telling them how to apply my concessions so that I could fully use them since my loan officer refused to answer the phone after telling me via text while signing that he just heard back that I could use my concessions towards the VA funding fee but doing so would have to push my closing date. This is a Sr Loan Officer who has been doing this for over 10 years telling me he did not know this. This was a classic wait until the last minute (contractual closing date) to provide you necessary information.
Response from Veterans United
Hi Jordyn,
Thank you for taking the time to share such a detailed account of your experience. I’m really sorry for the frustration, confusion, and stress you went through during your loan process.
From what you described, the lack of clear communication, difficulty getting timely and accurate information, and the last-minute changes to your closing disclosure created a situation where you felt unsupported and unsure at critical points. That’s not how this process should feel, especially when it comes to understanding your loan terms and how things like seller concessions are applied.
I also hear how concerning it was to receive different information throughout the process and to feel like you had to step in and figure things out on your own. You should be able to rely on your loan team to guide you clearly and consistently from start to finish.
Your feedback is important, and I’d really like the opportunity to review your file more closely and better understand what happened here. If you’re open to it, please reach out to me directly at 1-800-212-5200 or ClientAdvocate@vu.com so we can talk through this in more detail.
We’re available from 9 a.m. to 5 p.m. Central Time, Monday through Friday, and we’ll follow up the next business day if you contact us after hours.
Sincerely,
Claire S., Client Relations Manager
Aaron Laxson and his team were awesome! I can't thank them enough for their attention to detail and customer service. Whenever we had a question, they answered in a timely manner. They were there to help us! We love this team!
Mike and his team were awesome. They worked with us over weekends, helped us navigate counter offers and even helped us close on our loan early when we found the perfect house. I could not recommend veterans united enough. They have made buying our first house an experience we will always look back on with love. Thank you veterans united.
The VU team was very helpful! I really enjoyed my time working with them.
Matt & his team Logan & Alex went above & beyond! They were able to close on my new home 7 days earlier, in time for movers to get me in before holiday weekend! They were in constant communication via text, email, & phone conversations! Answered all of my questions & were very knowledgeable in their work! Thank you all so much for making this so streamlined with your To do lists! Anytime I had a question I would get my answer directly! Thank you again & enjoy your holiday weekend!
I will 100% recommend Veterans United to any friend or family members.
Dear Sean Newcomb and the Veterans United Team,
I wanted to express my deepest gratitude for your incredible help in consolidating my first and second mortgages. I know the Certificate of Eligibility (COE) process was challenging, but your refusal to give up meant the world to me. You made a difficult situation feel manageable.
I will truly miss our callbacks, especially hearing you say, 'How are you, Sal? How is your day going, and how may I help you today?' That personal touch and unwavering professionalism made all the difference. Thank you for your service and for looking out for a fellow veteran.
Best regards,
Sal Zisa
I highly recommend using a VA home loan for your home buying journey. The level of support and guidance throughout the process is excellent, making it a smooth and manageable experience for buyers.I have been working with Kenny Sheers , and he has made this entire home buying journey smooth and stress-free. His support, knowledge, and responsiveness made a big difference, and I would highly recommend him to anyone looking to purchase a home.
You guys did great. Thank you for guiding the process.
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Super smooth process, as a first time buyer they handled a lot of the work. Personally I wish they broke the verb-age down a bit more...oh and gave me the cd one day earlier.
This was the easiest closings I been through. 10 out of 10 all around.
Nick made me feel so safe going through this process. I have trust issues and I can be pretty pessimistic about things, but Nick was wonderful in explaining everything to me, giving me updates on the process at every stage. He really listened to my concerns and focused on allaying them. He was also very proactive preemptive, bringing up questions that I had but hadn’t been able to formulate and verbalize yet. He was kind and approachable without being the overly enthusiastic, over bearing “salesman” type. I could let my guard down.
Max and his team were absolutely wonderful!
