Veterans United has now helped me through two home purchases — one in 2017 and one in 2026 — and both experiences were exceptional. I specifically returned to Veterans United because of the positive impression Garet made the first time around. He is one of the few loan officers who truly understands the complexities of Air National Guard employment, especially when dealing with multiple or unconventional duty statuses.On both occasions, Garet worked closely with me to navigate the VA’s income and employment verification requirements, which can be a difficult scenario for reserve component homebuyers. He explained exactly what was needed, helped me organize the documentation, and ensured everything was submitted cleanly and correctly. Income verification is one of the most pivotal parts of VA underwriting, and Garet handled it with precision and reliability.This time around, Garet also guided me through the process of buying down my VA interest rate. The way he structured it was extremely helpful — clear explanations, accurate cost breakdowns, and a smooth execution. The buydown was applied correctly, and the long‑term benefit was immediately noticeable. On top of that, my cash‑to‑close number became more and more optimized as we moved through the final stages. We ended up overestimating the amount needed to close, which is the best possible outcome. Walking into closing with more than enough funds — instead of scrambling — was a great feeling and a testament to how well the loan was structured.The entire Veterans United team was responsive, professional, and proactive throughout the process. Communication was clear, expectations were set properly, and every step moved forward without friction. ShaNiece was outstanding as well — always ahead of the curve, always keeping me informed, and always making sure things stayed on track.This was one of the smoothest, most organized homebuying experiences I’ve had, and I would absolutely recommend Veterans United to anyone looking to buy a home.
Dan and the whole team were great and helped me navigate the financial side of home purchasing. They were great with communication as well!
Thomas, Tommy, and Maggie were fantastic to work with. Each question I had they had an answer for and helped my wife and I get into our first house within a month! With our short timeline, these folks went above and beyond.
Veteran mom and baby are officially homeowners. We are very grateful and honored for this blessing!
Mallory walked me through everything. She was calling me before I could call her with a question. She explained everything to easily understand the process. I would recommend her to anyone to go through her.
My team was very responsive and helped every time I asked or needed it. Very helpful and would definitely use again!
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Everything went fast, smooth, and the communication was awesome
I have really enjoyed working with you. I just wasn't thrilled about all the hiccups that kept pushing the closing date back.
We are grateful for this all star team, from day one they were on it and ensured everything went smoothly. Thank you all for all that you did to get us in our forever home.
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Stephanie and Madison made the process as easy as possible and always communicated with answers in a timely manner. Great job team!
Even the title company and my realtor were ecstatic working with Carl and the team! Everyone was exceptional!!!!
Suzie, Sam, and Tre were awesome. I was actually shocked how well this all went. All of them were in constant communication with me and ensured I was aware of each step and how to proceed. I will let anyone that asks me about where to go, my answer will be Veterans United. I have already suggested y'all to another Vet that may be looking.Thank you all very much.
I wouldn’t recommend the 2 turds who took over 90 days to do a cash out refi. And lost my intrest rate and tried to buy down interest rate 2 times and take money from my refi . Luckily I sent an email to the right person, because if I hadn’t, I would have been in a crap position. This isn’t the time to be fucking around with peoples mortgages. Some people need to take this shit more seriously, less vacations and answer the god damn phone more . I will be dealing with federal bank in como from now on . I’ve been with you all for 7 years . Adios muchacho
Response from Veterans United
I'm sorry this refinance left you feeling so frustrated and let down Steven, especially after trusting Veterans United with your home financing for the past seven years. A process that took longer than you expected, combined with concerns about your interest rate and difficulty reaching the team, understandably had a significant impact on your experience.
I'm glad you were ultimately able to connect with someone about your concerns, but I don't want to overlook what led you to that point. I'd appreciate the opportunity to review your experience more closely and understand what happened. Please contact my Client Advocate team at 1-800-212-5200 or ClientAdvocate@vu.com.
The Client Advocate team is available Monday through Friday from 9 a.m. to 5 p.m. Central Time. Messages received outside those hours are typically answered the next business day.
Sincerely,
Claire S., Client Relations Manager
Everybody was great
Jeff and his team were great
The team I worked with communicated very effectively and efficiently, they explained every option available to me. As a first time home buyer I couldn’t have asked for a better experience.
very easy hands off process and all the people work well with us
