"A WARNING TO ALL THE STARRY EYED, IDYLLIC NEW HOMEOWNERS: Veterans United has ruined our lives. They claim to be dedicated to the military and veterans. They are NOT! When unique challenges of military service complicate things, they turn their backs on the very veterans they promise to help. After 5 years of being loyal customers, with a perfect payment history, Veterans United is poised to ruin everything we have built in our adult lives. We bought two homes with VU, and loved the company, they were wonderful. We had every intention with buying another home with VU. Then, after 5 years, we received orders and put our home on the market. When multiple potential buyers of our home couldn’t get financing, and the housing market in Hawaii crashed, we were forced to PCS with our home still for sale. With a short term rental secured until our home in Hawaii sold, and we could buy a new home at our new duty station, we were still hopeful. Unfortunately we took an almost $4,000 a month pay cut when we PCS’ed, and the cost of our mortgage in Hawaii and rent in our new duty station became too much. We called Veterans United multiple times explaining the situation and asking for help while we struggled to pay both rent and our mortgage. We were assured we could get a short term forbearance and suspend payments until our house sold for up to 6 months, problem solved. Renting our home in Hawaii was not an option since we were going planning to buy at our new duty location. In the interim we accepted an offer on our house in Hawaii. Knowing we had a closing date, we called VU again and they said the forbearance was set. Trusting the VU on that call was our next mistake. They said the forbearance we taken care of on our account and they would send over paperwork to sign and it would be done. Instead they reported our home 30 days late to the credit bureaus, tanking our credit 100 points. We called again and explained that due to our required military ordered PCS we were forced to relocate and couldn’t pay both rent and mortgage, we explained our home was in escrow to be sold, and we explained we had been told by VU we were in forbearance and payments were suspended. During this call they said “we are sorry our associate told you that, but there’s nothing we can do to help you.” They then told us a forbearance couldn’t be completed until AFTER we closed on our Hawaii home because there wasn’t enough time. We called again on another day, and they were equally unhelpful. The associate said “If I had a magic button to fix this for you I would, but we have nothing we can do to help you.” He so said “Why didn’t you ask for help in July?” He then said “Can’t you just get a family member to pay us?” Guess what VU, we tried to reach out to you for help!!! And we were told several weeks ago we were granted a forbearance to suspend payments! We are closing on selling our Hawaii home on October 5th, so we told the associate that everything would be paid off then. How could there seriously be NO programs to help servicemembers who are forced to PCS and now stuck paying for mortgage and rent??!! Then associate we spoke with today said, “Nope, we won’t close your account the day you sell your home because we won’t get the loan payoff money that day. And if you don’t pay us by the 5th we will report you to the credit bureaus for 60 days late.” So even though the home will be sold that date, they’re still threatening to report to the credit bureaus. Meaning we won’t be able to buy a home again for years, if ever, and our credit will tanked so badly we won’t even qualify to rent. So thanks to VU we may soon be homeless. On September 27th, we paid August and September payments in full. We were told if we paid them, the 30 days late would be removed in a goodwill deletion/pay to delete. Now VU is refusing to do this. I had an interesting, unhelpful conversation with Josh today. Even though our account is current, so far he’s refusing the fulfill the goodwill deletion adjustment. So we moved Heaven and Earth to bring our account current in good standing to accomplishment h a goodwill adjustment pay to delete and now VU is pretending they can’t fulfill this simple agreement. He said he’ll be back to me in a day or two, let’s hope he does something right on behalf of his company. Today my husband talked to a different Josh who was absolutely horrible to us! He said he’s unwilling to help, supports us being homeless, and if I don’t like it to hire attorney."

"I had began working with a lender and she was amazing, though due to personal reasons she had to go on temporary leave. We were directed to a different member to work with, though my personal interactions have been good, it is seldom I receive a call back. I have spoken with her once since I began the process, but have only received text responses back which is sometimes frustrating. I am hoping the rest of the process smoothes out, as of right now am disappointed with the communication with the new representative."

"We are very happy doing business with Veterans United Home Loan. "

"Dave and Molly were awesome to work with. They were a like a breath of fresh air. I call once or more a week to ask questions and sometimes the same question just to be sure that I understood what was going on. Never once did either one mind a call from me. We are so glad that a veterans wife gave us Veterans United name and phone number. When we hear of another veterans family looking for a lender that understands VA home loans, Veterans United Home Loans will be the lenaders name we pass along.
Thanks for a easy transaction,
John and Melinda Davis"

"Veterans United was outstanding from the time that we applied for a loan to the closing of our house. Being a disabled veteran there were some specific things that were needed in a home that we purchased especially with mobility and access. It took over fourteen months to find the home that suited our needs but we finally found the home we needed and are now moved in. When we applied for the home loan we received an answer right away. If we called with any questions everyone was always very prompt to get back to us and give us all of the information that we needed. Everyone that we dealt with was very professional and helpful. It was overall a very positive experience."

"The personnel at Veterans was very supportive and patient. They were also very good at "keeping us in the loop" with the process"

"Wow, these guys are the best!! Kayla and the gang were great. I felt like I was their only client. They were professional and returned calls almost immediately. They kept me informed every step of the way with what was going on. I received realistic responses, but in such a caring manner. I was really impressed with meaningful little tokens of appreciation and congratulations sent. Can't say enough about this group. They will always have my business..."

"I have nothing to say but positive reviews for my representative and Veterans United Home Loans. All my questions were answered and I was kept informed of everything going on with my loan. I could not be more grateful. Thank you!!!"

"Zach,

Thank you for making our home buying easy ... more importantly, enjoyable. Susan and I both felt very comfortable working with you ... you were always available including weekends.

With great respect, Mike and Susan"

"Veterans United made our first time home buying experience wonderful!"

"The team that I had consisted of Dave, Sarah his assistant and the agent that they set me up with in my area, Dawn. From the returned phone call after applying online, to closing not even three months later, this team was professional through and through. I was very pleased considering I purchases this house online from 1100 miles away without ever stepping foot in the house physically. My agent took personal time on her weekend to take 96 pictures and label them individually so I had a clear representation of what I was purchasing. very possible aspect of buying the home was superb and I have and would recommend them to anybody eligible for a VA loan."

"I was very impressed with the whole process of obtaining a home loan through Veterans United. My Loan officer Eric Soete made the loan process smooth and kept me informed of all I needed to do. If I did not understand something he took the time to explain it. I would recommend Veterans United to any veteran looking to purchase a hom."

"The entire experience of purchasing a home through Veterans United was pleasant from start to finish. Our loan officer John Sullivan was professional and knowledgeable. We couldn't have picked a better place to obtain a mortgage. I would definitely recommend them to any veteran looking to buy a new home. "

"VU is the only Mortgage company we will ever use. We have used their services twice now and have been very satisfied overall. Breck Frerking is the best! We requested her personally on the second time around because she did such an awesome job for us the first time. She was very helpful and quick to answer any questions or concerns we had. She was encouraging and extrememly knowledgeable. We hope to never have to move again but, you can be assured if we do we will come back to VU. I even recommend them to all my veteran friends and family. "

"it was good thr agrnts very nice"