Va Loan reviews from Reddit
Summary
We analyzed 189 Reddit reviews across 18 subreddits and 49 posts to rank the best Va Loan brands recommended by redditors, including communities like r/MilitaryFinance, r/Veterans, r/VeteransBenefits, r/RealEstate, r/ColoradoSprings. Top-rated brands include Veterans United (3.9/5), VA Loan (4.0/5), Navy Federal Credit Union (4.1/5).
Stats
Reviews189
Subreddits18
Posts49
Brands64
Products12
189 reviews from
and
By Brand
/By Product
#1
Veterans United
3.9
(53)
"Veterans United rocks!"
"I have bought two homes and done two refis and they have always been awesome."
"They were ridiculously fast."
"Got approved FAST and everything went off without a hitch."
"They’re amazingly helpful with everything."
"They are great - had two different mortgages with them and can’t say enough good things about my experience."
"We used Veterans United and our guy was Tim Alvis. I’m not exaggerating when I say that Tim was tireless and pulled off a miracle getting our process rushed."
"Veterans United. Used them three times so far and we’re great"
"I had an easy experience with veterans united. Was unemployed for a bit and moving for a new job and they made the process very easy and stress free."
"Veteran’s United was great for us. Yes, everything was done online."
#2
VA Loan
4.0
(21)
"VA loan for a 4-plex. House hack (primary residence for minimum 1 year) and pay down the loan."
"If I had to do it over again, I'd get a multi family with the VA loan."
"You should join the group vetted VA on Facebook. Their community focuses on VA loans."
"I am a licensed loan advisor... I don't mind helping you get the best deal!!"
"I used a regular VA loan for our new build, just had to put down a deposit with the builder."
"Used the VA Loan for it (second use) and it wasn’t hard at all."
"Contact a local mortgage loan officer that works with Vets, do your research and please shop around."
"You can also just live in a house for a year and buy the house next door as long as you have some entitlement left."
"You can use the VA loan as many times as you would like as long as the other was paid as agreed."
"If the home is structurally sound, you are ok. The VA minimum property requirements are about health and safety issues."
#4
USAA
3.8
(10)
"No problem with USAA."
"I would highly recommend them, not because they are here, but if you can possibly bundle more products with them, you will save money, and the are a solid company."
"Seeing how your military have you looked into USAA or Navy Federal? Both astounding institutions that cater specifically to military members and their families."
"They took care of me when buying my home."
"As far as credit unions go, we also went with USAA for our VA loan due to the convenience."
"I have bought 2 houses and both loans were through USAA."
"USAA – Good for customer service, but not always the best rates."
"I find USAA's rates high as well."
"I looked at USAA as I bank with them now and was shocked that their rates are pretty high and even have a substantial origination fee."
"USAA doesn’t even use their own people to set up the loan, it’s third party."
#5
PenFed Credit Union
4.3
(6)
"Penfed has the best rates with zero discount points."
"I’ve been very happy with PenFed, I locked in a great rate with zero origination fees and credit at closing."
"PenFed Credit Union – Sometimes better rates than NFCU."
"Penfed beat Navy Fed's quote by a fair bit."
"Penfed quoted me 5.35 with no points or anything."
"I got 4.625% with Navy Fed and PenFed."
#6
Rocket Mortgage
4.8
(5)
"I had a really good experience with Rocket."
"My current mortgage is through Rocket Mortgage and I was very happy with them."
"I refi'd with Rocket mortgage a year later (2020), got a great deal and the process was painless."
"I used rocket mortgage for my original purchase and twice for refis. Super quick and painless."
"We used Rocket Mortgage for our Va loan and they were good back in April in Orlando FL"
#7
NBKC Bank
4.5
(4)
"I’ve financed and refinanced through NBKC 4 times now. Highly recommend."
"NBKC bank is exceptional"
"Closed in March with NBKC @4.875 with buy down from 5% for $875 or something. No issues."
"We are working with NBKC right now for VA LOAN."
#9
VA Loan Network
4.3
(3)
"VA Loan Network, is owned by Veteran, Levi Rodgers in San Antonio. They were great!"
"Veterans United kinda sucks imo, I would check out the VA Loan Network, they helped my brother get approved for his VA loan with a 590 credit score."
"I was able to get approved for my VA loan with a 600 score. Try the VA Loan Network."
#10
PenFed
4.0
(3)
"Just wanted to add Penfed to your list."
"Wanted to add Penfed to that list."
"Wanted to add Penfed to that list."
#11
National Bank of Kansas City
5.0
(2)
"National Bank of Kansas City. They were pretty good to work with on the front end and the rate was much better than USAA."
"National Bank of Kansas City has done most of mine as well as many of my friends'. Outstanding rates and service."
#12
Trident Home Loans
5.0
(2)
"Buddy says it was great to use them since they partner with contractors and insurance guys to make it seamless."
"Trident Home loans in Pensacola was great for me"
#13
NBKC
4.5
(2)
"They are great for VA loans -"
"I've heard good things about NBKC and Guardian."
#14
United Wholesale Mortgage
4.5
(2)
"United Wholesale Mortgage for a 2.5% interest rate with our VA loan."
"United Wholesale Mortgage usually has a slightly lower rate."
#15
Unknown lender
4.5
(2)
"He had the lowest rate and no fees. Beat out navy fed, usaa, veterans united, etc."
"I found better rates shopping around then what USAA and Navy Federal were offering, and honestly the customer service was better too."
#16
Guaranteed Rate
4.0
(2)
"Guaranteed Rate- efficient, keeps informed."
"Guaranteed Rate was good to me"
#17
First Home Mortgage
4.0
(2)
"Just got one from First Home Mortgage also had a quote from NBKC"
"I used First Home Mortgage, the bethesda office to buy a house with a VA loan. Did a 21 day close."
#18
ClearPath Lending
3.0
(2)
"Any points or extra fees on that 1.75? That's very low."
"Working a 1.75% with clearpath lending right now."
#19
VA Renovation Loan
2.5
(2)
"Apparently there is such a thing as VA renovation loans, but I haven’t done much research on these myself."
"There is a VA renovation loan, but finding a lender to do it will be very hard."
#20
Local bank
5.0
(1)
"Your local bank should be able to provide better rates. They beat veterans united by 1.5% when I got my loan."
#21
Cardinal Financial
5.0
(1)
"I can give you my lender's info if you want. He's a veteran too with Cardinal Financial."
#22
Pentagon Federal Credit Union
5.0
(1)
"Penfed had best rate a few years back for us. 30 day close no issues."
#23
Vetted VA
5.0
(1)
"I went with someone from VettedVA."
#24
Veterans Affairs
5.0
(1)
"VA is your best option for sure."
#25
DHI VA Loan
5.0
(1)
"They locked me in at 2.75% in 2022."
#26
Loan Depot
5.0
(1)
"Got a heloc through navy federal and would consider them for a home loan refi or my next house."
#27
Sammamish Mortgage
5.0
(1)
"Some of the best rates."
#28
Mortgage Solutions of CO
5.0
(1)
"They 100% backed me up despite having credit issues."
#29
Pilgrim Mortgage
5.0
(1)
"I bought with a VA loan in Dec of 2024 using Pilgrim Mortgage specifically Kaelan Cheatham. They made the process so smooth."
#30
Kansas State Bank
5.0
(1)
"KS State Bank. They have a VA approved underwriting department meaning when they approve a loan, it is automatically VA approved."
#31
Tristar Finance
5.0
(1)
"I just got a pretty awesome rate of 5.25 with a local lender. Company is Tristar Finance my lenders name is Marcos Ramirez."
#32
Hegg
5.0
(1)
"Ryan at Hegg was fantastic to work with."
#33
Ent Credit Union
5.0
(1)
"Second going with Ent. They don't sell the servicing on your loan so your services won't change every two years."
#34
Front Range Heroes
5.0
(1)
"Front Range Heroes - you get to work with a top local Realtor and lender who both give back part of their commission to pay for your closing costs."
#35
Warner Group
5.0
(1)
"I recommend the Warner Group, especially for VA loans as the company is comprised of mostly Vets."
#36
Bluebird Mortgage
5.0
(1)
"Talk to my good buddy Dave at Bluebird Mortgage. He’s super thorough and proactive."
#37
BNC Bank
5.0
(1)
"Called BNC bank and they gave me an estimate with APR 2.0% LESS so I went with them."
#38
Local lender
5.0
(1)
"Find a local lender in the area you’re shopping for. They were able to lock us in on average of about .45% less than any big name national lenders."
#39
First Federal Bank
4.0
(1)
"Closing on the 30th with a VA loan through First Federal Bank Mortgage Lenders. No origination fee, very competitive in rates."
#40
US Bank
4.0
(1)
"Just closed on a house Oct 2 at 5.75% VA loan through US Bank (that’s with 2 points negotiated from seller)."
#41
First Bank and Trust
4.0
(1)
"I've used First Bank and Trust twice and Levo FCU twice and I had good experiences with both."
#42
Ameris Bank
4.0
(1)
"Give Ameris Bank a call. I just closed with a great rate and minimal fees."
#43
Fairway Independent Mortgage Corporation
4.0
(1)
"Fairway - great company. They raise money for support dogs for veterans."
#44
Caliber Home Loans
4.0
(1)
"I used caliber home loans and really liked em."
#45
Apple Mortgage
4.0
(1)
"Ed Cooke Apple Mortgage [email protected] 719-884-0888 NMLS#: 243594"
#46
New American Funding
4.0
(1)
"Go local! Going to a national mortgage lender will always lend you less and at a higher interest rate vs going to a local lender. I use New American Funding."
#47
Flagstar Bank
4.0
(1)
"Try Flagstar bank. I used them back in 2021 and got a very good rate."
#48
Paramount Bank
4.0
(1)
"We used Paramount Bank before the rate jumped to 3.5. We were locked in at a fixed rate of 2.7%."
#49
Kansas City State Bank
4.0
(1)
"Try going to Kansas City State Bank which is where he used to work."
#50
Homespire
4.0
(1)
"We had good luck with Homespire."
#51
McLean Mortgage
4.0
(1)
"McLean Mortgage, Caliber, First Savings are all good w/VA loans in MD"
#52
Veteran Mortgage Brokers
4.0
(1)
"This is the best way to find a good VA loan mortgage."
#53
USDA Low Interest Loans
4.0
(1)
"Alternatively the USDA does low interest loans up to 1 mil for veterans."
#54
VA
4.0
(1)
"The VA has various programs to include a rehab type loan."
#55
Freedom Mortgage
4.0
(1)
"Freedom Mortgage."
#56
Guardian Mortgage
4.0
(1)
"I used Guardian Mortgage and had a good experience."
#57
Midwest Equity Mortgage
4.0
(1)
"I would suggest reaching out to Ashley with Midwest Equity Mortgage (808) 228-1903 for a second option."
#58
Bank of Kansas
4.0
(1)
"I used BoK through home direct mortgage for purchase and then refi."
#59
Integrity Home Mortgage
4.0
(1)
"We used Integrity Home Mortgage, specifically Frank Paredez and team. Good experience."
#60
WPCU
4.0
(1)
"Can't go wrong with WPCU."
#61
Quicken Loans
4.0
(1)
"Quicken loans."
#62
Churchill Mortgage
4.0
(1)
"I used Churchhill."
#63
Flagstar
4.0
(1)
"I have used Flagstar for 2 VA mortgages and I have no complaints."
#64
VA Rehabilitation Loan
2.0
(1)
"There are VA rehabilitation loans. But, I haven‘t found any banks that offer them."
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