Mortgage Refinance review

Veterans United Home Loans review

Name: Veterans United Home Loans review
Item: Veterans United Home Loans
Rating: 8.7
Author: ChoosyOwl

Best for VA refinances

VA-focused lender for IRRRL streamline and VA cash-out refinances. Veterans, service members and eligible surviving spouses with a VA loan, or who want to use their VA benefit for a cash-out refinance. We rank it #4 of 8 in our mortgage refinance comparison, with an editorial score of 8.7 out of 10.

Updated November 14, 2026By the ChoosyOwl editorial teamHow we rank

8.7/10

Our editorial score

Veterans United scores highly on Rate and cost transparency because it publishes VA IRRRL and cash-out sample rates with APR, points and detailed assumptions, and on Support and servicing for its VA-focused education and an app linked from its site. It scores lower on Refinance product range for most readers because its refinance options are built around VA loans, so it is not a fit for conventional or FHA refinances.

How we score mortgage refinance

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Mortgage disclosure.

We are not a lender, a mortgage broker or a loan officer, and we do not make credit decisions or take loan applications. Rates, APRs, points, fees and loan terms are set by each lender and depend on your credit profile, income, home equity, loan amount, property type and state. Not every product is available in every state, and approval is never guaranteed.

Many lenders and comparison services let you see a rate quote or estimate with a soft credit inquiry, which does not affect your credit score. Submitting a full mortgage application typically triggers a hard credit inquiry, which may affect your credit score. Check each lender's disclosure to see which kind of inquiry it uses at each step.

Refinancing has closing costs, which can include origination charges, points, appraisal, title and recording fees. Some lenders let you roll costs into the loan or take a higher rate in exchange for lender credits, which means you pay them over time instead of upfront. Refinancing may increase the total finance charges you pay over the life of the loan. Compare the APR and the closing costs on each Loan Estimate, not just the interest rate.

Mortgage lenders and brokers must be licensed and are listed in the Nationwide Multistate Licensing System (NMLS). You can look up any company's NMLS ID and state licenses at nmlsconsumeraccess.org before you apply.

A mortgage, home equity loan or home equity line of credit is secured by your home. If you do not make the payments, you could lose your home to foreclosure.

Quick facts

Our rank#4 of 8

Best forBest for VA refinances

Company typeDirect lender (VA focus)

Refinance optionsVA IRRRL, VA cash-out, VA jumbo

Rate quotePublished sample rates; personalized quote by application or loan officer

Facts checkedNovember 14, 2026

Details are general and can change. Check current plans, prices and terms on the Veterans United Home Loans site. See the Veterans United Home Loans company profile in our brand directory.

Overview

Veterans United Home Loans is a VA-focused mortgage lender. Its refinance options are the VA streamline refinance (IRRRL), which lowers the rate on an existing VA loan, and the VA cash-out refinance, which can also be used to move a non-VA loan into a VA loan. It also offers VA jumbo loans. Its site says a streamline refinance needs no appraisal in most instances and has no requirement to currently occupy the home or pay out-of-pocket costs, with closing costs rolled into the loan.

Veterans United publishes current VA IRRRL and cash-out rates with APR and points, along with the assumptions behind them, such as a default credit score and lock period. Those are samples, not offers. Rates change daily, so check today's rate for your own credit score and loan.

The lender's legal name is Mortgage Research Center, LLC, which lists NMLS #1907 on its site and states it is a private lender, not a government agency. Its myVeteransUnited app is linked from the site.

Pros and cons

Pros

Deep focus on VA loans and VA benefits
Sample IRRRL and cash-out rates shown with APR and points
Clear explanation of the VA funding fee and exemptions
App linked from the official site

Cons

Built around VA loans, so not a fit for most non-veterans
Does not appear to offer conventional or FHA refinances on its main menu
Sample rates assume specific credit scores and lock periods

Key features

VA streamline refinance (IRRRL)
VA cash-out refinance, including from a non-VA loan
VA jumbo loans
Published VA refinance sample rates with APR and assumptions
myVeteransUnited app for documents and payments

Who Veterans United Home Loans is for

A good fit if

Veterans, service members and eligible surviving spouses with a VA loan, or who want to use their VA benefit for a cash-out refinance.

Look elsewhere if

Homeowners who are not VA-eligible.

How we scored Veterans United Home Loans

Our mortgage refinance score weighs refinance product range (25%), rate and cost transparency (25%), quote experience (20%), licensing and disclosure clarity (15%), support and servicing (15%). See the methodology.

Veterans United Home Loans alternatives

#1
Rocket Mortgage
Best overall
Large online mortgage lender with published sample refinance rates, VA IRRRL and cash-out options.
- Rate-and-term and cash-out refinances
- VA streamline (IRRRL) and VA cash-out refinances
- FHA and jumbo refinance options
- Refinance estimate the site says has zero credit impact
9.2/10
Editorial score
Visit site (Rocket Mortgage, opens in a new tab) Read review Compare
#2
Better Mortgage
Best online experience
Online-first lender with a no-credit-impact refinance quote and published rate pages.
- Personalized refinance quote online with no credit impact (per site)
- Rate-and-term and cash-out refinances
- VA loans and home equity options
- Published refinance and cash-out rate pages
8.9/10
Editorial score
Visit site (Better Mortgage, opens in a new tab) Read review Compare
#3
New American Funding
Best for loan variety
Direct lender with FHA streamline, VA IRRRL, cash-out and non-QM options.
- FHA streamline refinance
- VA IRRRL and VA cash-out refinance
- Cash-out refinance and HELOC
- Non-QM and reverse mortgage options
8.8/10
Editorial score
Visit site (New American Funding, opens in a new tab) Read review Compare

Head-to-head

Veterans United Home Loans vs New American Funding

See all 8 mortgage refinance lenders compared

Veterans United Home Loans FAQ

What is a VA IRRRL?

The VA Interest Rate Reduction Refinance Loan, or VA streamline refinance, replaces an existing VA loan with a new VA loan, usually at a lower rate. Veterans United says it typically does not need an appraisal and closing costs can be rolled into the loan.

Can I refinance a non-VA loan into a VA loan with Veterans United?

Yes, through a VA cash-out refinance, if you are VA-eligible. Eligibility, the VA funding fee and loan limits apply.

Is Veterans United a government agency?

No. Its site says it is a private lender, not a government agency. Its legal name is Mortgage Research Center, LLC, NMLS #1907.

Sources and fact check

We checked the facts on this page against Veterans United Home Loans's own website on November 14, 2026.