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Frequently asked questions. * Veterans United is a mortgage lender based in Columbia, Missouri, that specializes in VA home loans for veterans, active-duty service members and surviving spouses. Founded in 2002, it has closed more than half a million VA loans and have been the #1 VA purchase lender for nine consecutive years. * Not if you meet the basic requirements: a 620 credit score and steady income. Since it specializes in VA loans, you'll also need to meet VA eligibility requirements (service requirements and a Certificate of Eligibility). If your credit needs work, it offers free credit counseling to help you qualify, a service that's helped over 50,000 veterans improve their scores. * Yes. Veterans United is a direct mortgage lender licensed to operate in all 50 states. It originates loans rather than acting as a broker. * Veterans United specializes in VA loans (purchase, refinance, cash-out refinance, IRRRL), but it also offers FHA, USDA, conventional and jumbo loans. However, it doesn't directly offer home equity loans or HELOCs. These types of loans are available through its partner, U.S. Bank. * Not directly. Veterans United partners with U.S. Bank to offer home equity loans and HELOCs. If you're interested in these products, Veterans United does an initial screening and refers you to U.S. Bank. Alternatively, Veterans United directly offers VA cash-out refinances, which allow you to refinance your mortgage and take cash from your home's equity without needing a separate lender. * The average closing time is about 34 days, faster than the national average. Some borrowers close in as little as three weeks, especially with VA loans. * Absolutely. Its 24/7 customer service and fully online/mobile process make itideal for service members stationed internationally. You can upload documents, track your loan progress and communicate with your team from anywhere in the world. * If your credit score is below 620, you won't initially qualify for a loan. However, Veterans United offers free credit counseling to help you improve your score. Its service has helped over 50,000 veterans build their credit and eventually qualify for a home loan. Sources. Contributor Christi Gorbett is a freelance writer with more than eight years of experience and a master's degree in English. She's created a wide range of content for banks, financial product comparison sites, and marketing companies on topics like small business loans, credit cards, mortgages, retirement planning, lender reviews, and more. As a former teacher, Christi excels at making complex financial topics accessible and easy to understand. Her interest in finance grew when she returned to the U.S. after living in South Korea for nearly a decade. This shift was driven by several personal financial challenges: rebuilding her financial base after the move home, starting her own business, and catching up on retirement savings. These experiences deepened Christi's practical understanding of finance and intensified her interest in the field. See full profile More resources on Finder Mortgage guides Loan types Finder group compare the following lenders and brokers Term length Mortgage cost by amount Mortgage calculators

Veterans United hit with lawsuit claiming deceptive branding, steering. Complaint cites RESPA violations, referral payments to agents and confusion over VA affiliation Article Summary. A class-action lawsuit accuses Veterans United Home Loans of misleading veterans about its VA affiliation and steering them to more expensive loans, citing violations of federal and Missouri laws. AI Summary Veteran homebuyers are accusing Veterans United Home Loans, owned by Mortgage Research Center, of falsely presenting itself as part of the federal government and steering borrowers toward more costly loans, according to a class-action lawsuit filed this week in Michigan. The complaint alleges that the private, for-profit corporation that's unaffiliated with the military designed its website to mislead homebuyers into believing it is connected to the U.S. Department of Veterans Affairs (VA). It cites "multiple real estate and loan officers" who say they routinely lose business because borrowers believe they must use Veterans United "since it's part of the VA." The company was founded and is run by three individuals with no military service records, the complaint states. Chad Moller, corporate communications manager for Veterans United, sent a statement to HousingWire that disputes the allegations. "For 24 years we have been committed to serving Veterans and military families with love, care and respect," the statement read. "We're aware of the lawsuit that was filed. We deny the accusations and look forward to disputing this through the legal process. Because this is pending litigation, we can't comment further." The lawsuit was filed Wednesday in the U.S. District Court for the Western District of Missouri against Veterans United and Veterans Realty, owned by Realty Search Solutions LLC. Attorneys representing the plaintiffs said they have spoken with roughly half a dozen real estate agents and loan officers across the country with firsthand experience involving VA home loans.