Veterans United Review

The #1 VA lender in America with zero down payment options for veterans. Independent Veterans United review: 4.4/5 for purchase mortgage.

By Michael Hewitt, Founder & Editor-in-Chief.

Our verdict

For VA-eligible buyers, Veterans United is a natural first call: VA loans with $0 down and no PMI, from a lender that specializes in them. Eligibility is the limit, since the benefits require military service and conventional options are thin. Ask where your quote lands in its 0% to 1% origination range.

Skip it if you aren't VA-eligible, or if you want a conventional loan with plenty of options.

About Veterans United

The #1 VA lender in America with zero down payment options for veterans. Veterans United is offered by Veterans United Home Loans. Our editorial rating is 4.4 out of 5.

Best for: Veterans and active military seeking VA loans.

Editorial grade: A (composite score 88/100).

Highlights

Specializes in VA loans with $0 down payment
No PMI required on any VA loan
Free credit counseling and VantageScore monitoring

What we like

Deep VA loan expertise and streamlined process
No down payment or PMI required
Dedicated loan teams for military borrowers

Where it falls short

Only available to VA-eligible borrowers
Limited conventional loan options

Fees, minimums, and rates

Monthly fee: 0%–1% origination. Minimum to open: $0. Current APY: 6.42%. Rates and promotional offers change often, so check the provider's own page before you apply.

How we reviewed it

This is a desk review: we have not opened an account with Veterans United Home Loans. It is built from Veterans United Home Loans's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Purchase Mortgage shortlist. The rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology for how we review products.