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!
Thanks to the whole Veterans United team for helping to make the first home I’ve bought on my own such an easy process!
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.
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.
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You guys did great. Thank you for guiding the process.
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.
Thank you to Horace and his team!! They took care of me and got me into my first home. A cute little brick in the middle of no where!
This was the easiest closings I been through. 10 out of 10 all around.
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Max and his team were absolutely wonderful!
I had an amazing experience buying my new house with Aaron and his team. Thank you guys for making my dream come true.
Rayan Ashburn was good at the start then was drooping the ball had a April 1 closeting date which we had a rental so we where forced to rent weekly.(cost us more money. Ryan making excuses think we had 4 different closing dates. Insurance for the property
he offered three different insurance i told him we will take your recommended.(bad mistake)then on are real closing day before said i needed to bring a check for 8400.00
which we did but in shock was had to come up. After the closing date he said he would help find a lower insurance at this point i don't trust him as he should have done this when insurance was brought up the first times (you have access to emails you can judge for your self.
On a good note Carly Kanoa was awesome to deal with....
Response from Veterans United
Hi Leslie,
Thank you for sharing your experience. I’m glad to hear Carly made a positive impact, but I’m really sorry for the frustration you went through with the rest of the process.
Having your closing date change multiple times, especially when it led to extra rental costs, is incredibly stressful. I also understand how concerning it must have been to be asked to bring a significantly higher amount to closing on short notice. That kind of information should be clear and communicated well in advance so you have time to prepare.
I hear your concerns about the insurance as well. You should feel confident in the guidance you’re given, and I’m sorry that trust wasn’t there by the end of your experience.
I’d really like the chance to take a closer look at what happened and review your file in more detail. If you’re open to it, please reach out to me at 1-800-212-5200 or ClientAdvocate@vu.com.
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
It was one of the smoothest Loan process we have had. Glad we were finally able to get a good home using my VA Benefits.
I was pretty much set up by the time I talk to Veterans United.
