Overall, easy experience! One area for improvement would be clarification on what specifically VU is wanting for homeowners insurance. I had several different points of contact throughout the process. The primary problem was I was just told to get homeowners insurance with no specific details. A local company was able to get me a good rate and then cut my auto insurance in half by bundling. The homeowners insurance i got covered the cost of the loan but was not called a "replacement cost" policy. This led to a situation where my closing date kept getting pushed because VU would want language changed in the policy. I had also set the auto policy, that relied on the homeowners policy, to start on the original closing date and canceled my existing auto policy on the same day. So there were about 2-3 weeks and ultimately ended up paying maybe $60-70/month on homeowners insurance to make the policy fit what VU wanted. What i think would have solved this from the beginning would be some kind of checklist from VU that I could have provided to potential insurance companies where I could ask them to give me a quote based on all of their requirements. It wasn't a big deal at the end but It seems like something that could be solved without much work and also help people get accurate quotes based on the requirements opposed to getting no information and watching the number go up as the insurance tries jump through hoops to meet each new requirement.
Response from Veterans United
Hey Eric
Thanks so much for the thoughtful feedback—and I’m glad to hear the overall experience was easy, even with some bumps toward the end. That insurance situation sounds frustrating, especially when it affected both your closing timeline and your auto coverage. I can imagine how stressful it must’ve been trying to make last-minute policy changes just to meet shifting requirements.
You make a great point about having a clear checklist or guide from the start. That kind of resource could definitely save time, avoid confusion, and help borrowers get accurate quotes right out of the gate. I’ve shared your experience with our team so we can look at where we can tighten up communication around insurance and make things smoother for future homebuyers.
If there’s anything more you’d like to share or if you want to chat directly, feel free to reach out to our Client Advocate team at 1-800-212-5200 or ClientAdvocate@vu.com. We're here Monday through Friday from 9 a.m. to 5 p.m. CST.
Really depends on the appraisal, and who performs it. The first one we got delayed closing byb3 weeks.
Response from Veterans United
Hey Michael,
I hear your frustration, and I’m sorry the appraisal process set things back for you. Delays like that—especially so close to closing—can throw everything into chaos and cause a lot of unnecessary stress.
You're right that appraisals can vary depending on who performs them, and unfortunately, we don't get to choose the individual appraiser. Still, I know that doesn’t make it any less frustrating when a delay ends up impacting your timeline.
If there’s anything still unresolved or if you'd like to talk more about how things went, I’d really like to listen. You can reach me directly at 1-800-212-5200 or ClientAdvocate@vu.com. We’re available from 9 a.m. to 5 p.m. CST Monday through Friday, but feel free to reach out anytime that works for you.
Kim and Alyssa were amazing to work with. I would recommend them every time. Thank you for all of your help!
Always quick to get back with me to answer my questions. I have not had any complaints.
none very happy with them
I truly appreciate you all and all your help with providing my family and I with the financing needed to give us a home.
The process is really smooth and you are able to reach out to one of the loan officers at anytime by email or phone. The turn around response time is quick.No question goes unanswered by the team, which I appreciated greatly, especially since everything was done through emails and calls until the final stage.Thankful for the notary coming to our home since my husband is in a wheelchair. They made the closing process easy for us, which I greatly appreciated.Hats off to everyone involved in the process. You know the saying “trust the process”, you truly can when working with Veterans United Home Loans.
I was working with a condensed schedule due to other things I wanted to accomplish. I let CJ and the team know. They really made me feel like I was a priority to them and we got it done.This is the second time I worked with CJ and Veterans United. It was an easy and pleasant experience. I wouldn’t recommend anyone else for home loans or refinancing options.
Amanda Day and Cody were awesome and did a fantastic job.
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Brian and his team were outstanding throughout the entire process. The team was always very quick to provide answers to our questions. We highly recommend Brian for support, direction, and coordination for your mortgage application at Veteran’s United.
I hope to continue to refinance (in a timely manner) to a lower APR. That said, I am very pleased with my loan team and theor constant professionalism and care.
