Veterans United Home Loans

Veterans United Home Loans is a mortgage banker that offers loans for buying a home, refinancing and cash-out refinancing. Where it lends: all 50 states (not every loan type is available in every state). On its own site it lists VA, USDA, FHA and Conventional loans. Eligibility for VA loans depends on military service and a Certificate of Eligibility. Veterans United also offers USDA, FHA and conventional loans. Who can borrow, as the lender publishes it: Minimum credit score: 620 (Typically 620 for VA and VA jumbo loans; none published for its other products). Minimum down payment: 0% (0% on VA, including jumbo, with full entitlement; a down payment can be required with diminished entitlement). Debt-to-income: No hard cutoff on VA loans, per Veterans United; residual income also applies. Costs and timing: No lender fee amount is published; it says lenders are capped in what they can charge a Veteran to originate and process a VA loan. VA funding fee: 2.15% on a first-use purchase, 3.3% for later use, 0.5% on a Streamline, unless exempt. Rate lock: Its rate table assumes a 30-day lock on fixed purchase loans (45 days on jumbo purchases, 60 on refinances). No lock fee is published. Closing time (its own claim): VA loans often close in about 30 to 45 days, though timelines vary. Veterans United Home Loans publishes an example rate table with its assumptions (shown on this page, dated October 14, 2026 (08:03 AM CST)). It is the lender's illustration, not a quote for you: your own rate depends on your credit, down payment, property and state. We read these figures from Veterans United Home Loans's own pages on October 14, 2026; the pages are listed under 'Where these numbers come from'.