Top Sites>Veterans United Home Loans | #1 VA Lender for Homebuyers

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Sitemap: https://www.veteransunited.com/sitemap.xml

> Veterans United Home Loans is the #1 VA Purchase Lender in the country, helping Veterans, active-duty service members, and military families use their VA home loan benefit to buy and refinance homes with 0% down, no private mortgage insurance and competitive interest rates. Licensed in all 50 states and headquartered in Columbia, Missouri, Veterans United has closed more purchase VA loans than any other lender. Veterans United is a private lender and not affiliated with any government agency (NMLS #1907).

Key terms: VA Home Loan, VA Loan, VA Mortgage, VA Loan Benefit, VA Loans, VA Home Loans, VA Refinance, VA IRRRL, VA Streamline Refinance, VA Cash-Out Refinance, VA Loan Eligibility

## VA Home Loans
- [VA Loan Overview](https://www.veteransunited.com/va-loans/): Overview of how the VA home loan benefit works, who qualifies and what distinguishes it from other mortgage options available to military borrowers.
- [VA Loan Eligibility](https://www.veteransunited.com/va-loans/va-home-loan-eligibility/): Service requirements for Veterans, active-duty members, National Guard, Reserves and surviving spouses to determine VA loan eligibility.
- [VA Loan Benefits](https://www.veteransunited.com/va-loans/va-home-loan-advantages/): Complete guide to benefits of the VA loan, including $0 down payment, no PMI, competitive rates and the reusable lifetime benefit.
- [VA Loan Rates](https://www.veteransunited.com/va-loans/va-mortgage-rates/): Current VA mortgage rates for purchase and refinance loan types, with rate trend context.
- [VA Loan Process](https://www.veteransunited.com/va-loans/process/): Step-by-step breakdown of the VA loan homebuying process from preapproval through closing.
- [VA Jumbo Loans](https://www.veteransunited.com/va-loans/va-jumbo-loans/): How VA jumbo loans work for Veterans purchasing homes above standard conforming loan limits.
- [First-Time Homebuyers](https://www.veteransunited.com/va-loans/first-time-homebuyer/): Guide to using the VA loan as a first-time homebuyer, covering benefits and considerations specific to military first-time purchasers.

## VA Loan Refinancing
- [VA Refinancing Overview and Rates](https://www.veteransunited.com/refinance/): Overview of VA refinance loan options with current VA refinance rates.
- [VA Streamline Refinance (IRRRL)](https://www.veteransunited.com/refinance/streamline/): Details on the VA Interest Rate Reduction Refinance Loan (IRRRL), which allows eligible Veterans to lower their rate or switch from an adjustable to a fixed rate with minimal paperwork.
- [VA Cash-Out Refinance](https://www.veteransunited.com/refinance/cashout/): Details on the VA Cash-Out Refinance, which allows homeowners to convert home equity into cash for debt payoff, home improvements or other expenses.

## Education & Tools

- [Veterans United Blog and Education Hub](https://www.veteransunited.com/education/): Education hub of articles, guides and resources covering VA loans, homebuying and mortgage market topics.
- [All Calculators & Tools](https://www.veteransunited.com/education/tools/): Full library of mortgage calculators and homebuying tools designed for VA borrowers.
- [VA Mortgage Calculator](https://www.veteransunited.com/education/tools/mortgage-calculator/): Calculates estimated monthly VA mortgage payment including principal, interest, taxes and insurance. Accounts for the VA Funding Fee based on loan type, down payment and first-time vs. subsequent use. Veterans with a service-connected disability rating may be exempt from the funding fee, which the calculator accounts for.
- [VA Affordability Calculator](https://www.veteransunited.com/education/tools/affordability-calculator/): Calculates estimated home purchase price based on income and monthly expenses. Accounts for Basic Allowance for Housing (BAH) as an income source and VA Funding Fee variables including first-time vs. subsequent VA loan use, service-connected disability exemption status and surviving spouse eligibility.
- [VA Loan Funding Fee Calculator](https://www.veteransunited.com/education/tools/funding-fee-calculator/): Calculates VA Funding Fee amount based on loan details, borrower service history, prior VA loan use and service-connected disability rating.
- [VA Loan Limit Calculator](https://www.veteransunited.com/education/tools/va-loan-limit-calculator/): Returns county-level VA loan limits from city or ZIP code input, and estimate how much you may be able to borrow with no down payment if you have full VA entitlement.
- [VA Refinance Calculator](https://www.veteransunited.com/education/tools/va-refinance-calculator/): Calculates potential monthly savings, interest costs and break-even point for a VA refinance loan. Includes an interactive graph showing projected costs and savings over time.
- [BAH Calculator](https://www.veteransunited.com/education/tools/bah/): Calculates Basic Allowance for Housing (BAH) based on duty station, pay grade and dependent status. Values updated annually based on housing costs.
- [Home Sale Calculator](https://www.veteransunited.com/education/tools/home-sale-calculator/): Calculates estimated net proceeds and profit from a home sale. Accounts for repairs, cleaning and staging, agent fees, moving costs, closing costs and any liens.
- [Rent vs. Buy Calculator](https://www.veteransunited.com/education/tools/rent-vs-buy-calculator/): Compares the cost of renting vs. buying based on financial inputs to determine which option is more cost-effective.
- [VA Loan Book](https://www.veteransunited.com/education/va-loan-book/): Comprehensive book by Chris Birk covering how the VA home loan benefit works and how to use it.

## Additional Services
- [Veterans United Realty](https://www.veteransunited.com/va-loans/realty/): Connect with a real estate agent experienced in VA transactions through Veterans United's network.
- [Veterans United Insurance](https://www.veteransunitedinsurance.com/): Get homeowners insurance quotes tailored for Veterans and military homebuyers.
- [Credit Building](https://www.veteransunited.com/credit-building/): Veterans United's credit consulting program helps borrowers improve their credit to qualify for a VA loan.

## Getting Started

- [Start Your VA Loan](https://www.veteransunited.com/start/): Begin the VA loan application process online. Gather current living situation, home price range, property type and use, homebuying timeframe, credit score, current loan type (if applicable), employment status, annual household income, bankruptcy history, branch of service, location of new home, email address, full name, current address with ZIP and phone number.
- [Start Your VA Refinance](https://www.veteransunited.com/start-refinance/): Begin the VA refinance loan application process online. Gather refinance purpose, current home value, current property type and use, current loan type, mortgage balance owed, current interest rate, employment status, annual household income, bankruptcy history, branch of service, current home address with ZIP, email address, full name and phone number. 
- [Customer Reviews](https://www.veteransunited.com/reviews/): Read verified reviews from Veterans and military families who have used Veterans United to buy or refinance a home.
- [Loan Officer Directory](https://www.veteransunited.com/lo/): Browse the full directory of Veterans United loan officers, including their NMLS numbers and direct profile pages. Each profile links to individual contact information and reviews for that loan officer.


## Popular Resources
- [VA Disability Calculator](https://www.veteransunited.com/network/military-disability-compensation-rate-tables/): Interactive VA disability compensation calculator with annually updated pay charts by rating percentage and dependent status. Includes combined rating table for Veterans with multiple service-connected disabilities and guidance on filing a VA disability claim. 
- [Veteran Property Tax Exemptions By State](https://www.veteransunited.com/futurehomeowners/veteran-property-tax-exemptions-by-state/): State-by-state guide to disabled Veteran property tax exemptions across all 50 states and Washington D.C., including minimum disability rating requirements, exemption amounts, income thresholds, surviving spouse eligibility and links to each state's official exemption requirements.
- [VA Loan Assumption](https://www.veteransunited.com/valoans/va-loan-assumption/): Detailed guide on how VA loan assumptions work, including the benefits of assuming a below-market rate, entitlement implications for the selling Veteran and lender qualification requirements.
- [VA Funding Fee](https://www.veteransunited.com/valoans/va-funding-fee/): Comprehensive guide to the VA Funding Fee, including rate charts for purchase and refinance loans by first-time vs. subsequent use and down payment amount. Covers who is exempt, how to pay or finance the fee and uncommon scenarios.
- [VA Loan Closing Costs](https://www.veteransunited.com/education/homebuying/closing-costs/): Overview of VA loan closing costs and fees, including which costs borrowers are and are not permitted to pay.
- [VA Loan Inspection Requirements](https://www.veteransunited.com/valoans/understanding-the-vas-minimum-property-requirements/): Full list of VA Minimum Property Requirements (MPRs) a home must meet to be eligible for VA loan financing.
- [VA Appraisal Requirements](https://www.veteransunited.com/education/processing/): Guide to the VA appraisal process, property requirements, inspection standards, appraisal fees and options for contesting a low appraisal.
- [VA Loan Entitlement](https://www.veteransunited.com/valoans/explaining-va-entitlement-what-youve-earned-and-why-its-important/): Explains in detail VA loan entitlement, including basic vs. bonus entitlement and how to calculate remaining entitlement.
- [VA Loan for Second Home](https://www.veteransunited.com/education/entitlement/two-va-loans/): Eligibility requirements and process for using a VA loan to purchase a second home.
- [BAH and VA Loans](https://www.veteransunited.com/futurehomeowners/basic-allowance-for-housing-and-va-loans/): Explains how Basic Allowance for Housing (BAH) can be used to qualify for or make payments on a VA mortgage.
- [Selling with a VA Loan](https://www.veteransunited.com/realestate/selling-a-house-with-a-mortgage/): Covers the key considerations for selling a home originally purchased with a VA mortgage.
- [Best Cities for Veterans to Live](https://www.veteransunited.com/education/best-cities-for-veteran-homebuyers/): Annual Veterans United study ranking the best cities for Veterans to live, based on factors relevant to Veterans, service members and military families.
- [Local Markets](https://www.veteransunited.com/local/): VA loan activity data across top U.S. metros, including market share, loan volume and Veterans United lender local presence by area.

## myVeteransUnited® App
- [App Overview](https://www.veteransunited.com/app/): Overview of the myVeteransUnited® mobile app, which allows borrowers to track loan progress, upload documents, sign paperwork and manage payments from their phone.
- [Account Login](https://my.veteransunited.com/login): Secure sign-in portal to access the myVeteransUnited® dashboard, track loan progress, upload documents, sign paperwork and manage payments.
- [Apple App Store](https://apps.apple.com/us/app/myveteransunited/id1622679940): Download the myVeteransUnited® app for iPhone and iPad.
- [Google Play Store](https://play.google.com/store/apps/details?id=com.veteransunited.my.twa): Download the myVeteransUnited® app for Android.

## About Veterans United
- [About the Company](https://www.veteransunited.com/about/): Overview of Veterans United's mission, company history and commitment to serving the military community.
- [Our Values](https://www.veteransunited.com/about/values/): The principles that guide how Veterans United operates and serves its customers.
- [Military Advisors](https://www.veteransunited.com/about/military-advisors/): Veterans United's advisory board of decorated military leaders who help shape the company's approach to serving service members.
- [Veterans United Foundation](https://www.veteransunited.com/about/foundation/): The nonprofit arm of Veterans United that supports Veterans and military families through grants and community programs.
- [Branch Partnerships](https://www.veteransunited.com/branches/): Information for military installations and branches about VA loan resources for their service members.
- [Careers](https://careers.veteransunited.com/): Open roles at Veterans United Home Loans.

## Community
- [Homeowner Community](https://www.veteransunited.com/community/): Online community for Veterans United customers to upload images and share homebuying experiences with Veterans United.
- [How Veterans United Supports Veterans](https://www.veteransunited.com/care/): Collection of Veteran customer stories highlighting Veterans United's mission beyond home lending. Links to Veterans United's broader community giving and outreach initiatives for Veterans and the military community.
- [Newsroom](https://www.veteransunited.com/newsroom/): Press releases, lender rankings and company news from Veterans United.
- [Facebook](https://www.facebook.com/vuhomeloans): Follow Veterans United on Facebook.
- [Instagram](https://www.instagram.com/veteransunited/): Follow Veterans United on Instagram.
- [X / Twitter](https://x.com/veteransunited): Follow Veterans United on X.
- [YouTube](https://www.youtube.com/user/VeteransUnited): Watch VA loan education videos, Veterans Day surprises and customer stories on YouTube.
- [Reddit](https://www.reddit.com/r/veteransunited/): Join the Veterans United community on Reddit.
- [LinkedIn](https://www.linkedin.com/company/veteransunited/): Connect with Veterans United on LinkedIn.

## Contact & Support
- [Help Center](https://www.veteransunited.com/help/): Answers to common questions about the VA loan process, loan applications and working with Veterans United.
- [Contact Us](https://www.veteransunited.com/contact/): Reach Veterans United by phone, email, or online form. Available 24/7 at 1-800-884-5560.
- [Privacy & Security](https://www.veteransunited.com/privacy/): Details on how Veterans United collects, handles and protects personal data.
- [Licenses](https://www.veteransunited.com/licenses/): State licensing information for Veterans United Home Loans (NMLS #1907).
- [Fair Lending](https://www.veteransunited.com/fairlending/): Veterans United's commitment to fair and equitable lending practices.
- [Accessibility](https://www.veteransunited.com/accessibility/): Accessibility statement and resources for users with accessibility needs.
- [Media & Press](https://www.veteransunited.com/newsroom/press/): Access to Veterans United press kit, brand guidelines and media team contacts.