Business Profile

Mortgage Broker

Veterans United Home Loans

Complaints

This profile includes complaints for Veterans United Home Loans's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

150 total complaints in the last 3 years.
40 complaints closed in the last 12 months.

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The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:03/27/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Mr. **** ********** an employee of Veterans United has been making several fraudulent actions by requesting that I pay extra money. Then he even offered to help reduce my monthly payments by lowering my interest rate from 6.75 to 4.99, I have proof that he actually began this process until I believe that he got caught. But Veterans United is aware of his actions and have done absolutely nothing to investigate and return some money to me. He may ave done the same to others Veteran's. I would like for someone to investigate said company. I had paid $****** total for ******* money and he used part of that as a down payment, but I never received the rest of the &******
Business Response
Date: 04/08/2025
Veterans United management has contacted the consumer to review their concerns and clarify the details of the transaction. The consumer is currently working with their bank to gather additional documentation, and we remain available to assist should their research reveal any new information. We have thoroughly reviewed our records and spoken with relevant third parties. While we regret that the experience did not meet the consumers expectations, we have been unable to identify any inappropriate handling of funds. Veterans United remains committed to transparency and consumer safety, with numerous safeguards and checks in place to prevent any unauthorized collection of funds. Should the consumers research uncover any additional concerns, we will address the matter with the urgency and seriousness it deserves. Veterans United management remains available at ******************.
Initial Complaint
Date:03/14/2025
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Issue with the lack of quality service with My Veterans United Home loans. In Jan, I switched home insurance from **** to *********** with no lapse of coverage. Veterans United has lately been consistently creating problems assuming on multiple occasions that I don't have home insurance when in fact I do. Additionally, last summer they (Veterans United) erroneously sent an insurance company my entire escrow which that company who received the escrow, therefore created a second insurance policy. it took me 90 days and my hard work to recoup their mistake. That resulted in us having two insurance policies. One from **** which I paid directly from my bank account, and a second from Homesite who Veterans United reached out (without my consent/approval) to create a second account. In this complaint, I have proof attached showing I had insurance coverage from Progressive (who ultimately, subcontracted out "Homesite"). There is an email from *********** stating I was covered when I switched from **** to *********** when I switched companies in January. To date, Veterans United wants me to pay 257 dollars believing I did not have coverage with insurance from the time I switched from **** (in Jan) to Progressive. Each month I pay 1K over my minimum payment to Veterans United in attempt to pay off this loan faster since I am having so many problems with their lack of quality customer service that ********************************************* has been providing. This company is supposed to support veterans yet, myself as a 100% disabled vet spend more time fixing their mistakes than its worth as having them for a mortgage lender. I explained this to **** **** from Veterans United and he didn't care and accused me of not having insurance when in fact I did. He told me they would not waive their error and that I needed to pay for their mistake I don't feel I am responsible for this payment and Veterans United does in fact NOT take care of veterans as advertised! Please Help with resolution.
Business Response
Date: 03/24/2025
Veterans United management has contacted the consumer to discuss their concerns regarding lender-placed insurance. After reviewing the situation, we confirmed there was a lapse in coverage, but we were glad to work toward a mutual resolution. We understand that managing insurance transitions can be challenging and encourage homeowners to stay in close communication with their insurance providers and loan servicers during those times. Veterans United management remains available for any further questions or assistance by contacting us directly at *********************.
Customer Answer
Date: 03/25/2025
Complaint: 23065908

I have reviewed the business' response and am rejecting it because:

I do not accept the answer from Veterans United. I submitted a complaint on the phone and also with the BBB. Ultimately the gentleman I submitted the complaint about was the one who handled both complaints and refused to escalate the complaint to his supervisors.What good is it submitting a complaint, when the complaint goes to the person you are having an issue with getting a resolution. Their complaint structure is broken.

I want to make it clear! I had insurance, and provided I had insurance through an email I received from the insurance company upon creating the policy. I think its unbelievable that Veterans United states they are for Veterans but there is a clear pattern of not taking care of Veterans. I do not recommend this company STAY CLEAR of this company as they clearly put profit over clear, just business practices.
Sincerely,

****** ******
Business Response
Date: 05/19/2025
Veterans United management previously contacted the consumer and reviewed the insurance concerns noted. Lender-placed insurance was applied due to a lack of evidence of coverage at the time. After receiving the consumers complaint, we obtained documentation directly from the insurance providers, which confirmed there was a lapse in coverage. Although lender-placed insurance was appropriate, we refunded the cost in full as a courtesy to resolve the concern. Veterans United remains available if the consumer contacts us directly at *******************.
Customer Answer
Date: 05/20/2025
Hello, please note, that as a consumer of veterans united, I did my due diligence to obtain, provide and prove that I had No lapse in coverage. I think the easy answer was for VU to state that I did have a lapse when in fact I did all I could as a consumer and believed, and received correspondence from my insurance company that no lapse occurred. VU is adement to state that I had a lapse when I did my due diligence. I think it was hard for VU to admit that i was correct in this manner as a customer and wanted to save face. Either way, issue is resolved satisfactorily at this point.
Customer Answer
Date: 05/20/2025
Better Business Bureau:

I have reviewed the business' response regarding complaint ID ********. Company was quick to state I did not have coverage when in fact I did more than my due diligence to establish and receive conformation of new information. Customer had no laspe in coverage as they continue to state but I am currently satisfied with the outcome. Thank you BBB.

Sincerely,

****** ******
Initial Complaint
Date:03/12/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Im a disabled veteran and just closed on my house with veterans united. Now they gave me and estimated closing of 440 up until 4 days before closing they told me I now have to find 2700 n change to close and I think thats extremely unfair because if I could pay that I would be homeless and no one is willing to do anything about it they lied to me over and over and even disrespected me on the phone when Im questioning the fact that this shouldnt have happened and that they atleast need to do something to rectify the mistake they made on my estimation. They all agreed that yes they messed up and that the estimate wasnt okay and that they are sorry but yet no one is willing to do anything
Business Response
Date: 03/20/2025
Veterans United management has contacted the consumer to discuss their concerns. We understand that unexpected changes in closing costs can be frustrating, and we appreciate the opportunity to walk through how estimates are calculated and updated throughout the loan process. In this case, the increase was due to homeowners insurance costs, which are determined by insurance providers and not controlled by Veterans United. During our conversation, we reviewed the factors contributing to the higher insurance premium, including the homes prior claim history, and are providing options for exploring alternative insurers. We remain available to assist the consumer in switching to a different provider if they find a better option and we can be reached directly at *******************.
Customer Answer
Date: 03/20/2025
Complaint: 23059362

I have reviewed the business' response and am rejecting it because: Ive spoken with them and they even said that they seen houses in this area where insurance ran up to 3k so why was I estimated so low then this is a mistake on their part and they need to take responsibility instead on trying to cover for what they did.

Sincerely,

***** *********
Initial Complaint
Date:03/11/2025
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
01/17/2025; approval for a very low amount despite FICO Score in the high 700/low 800 range; very good credit profile as well. Veteran's United is a scam organization hired by the V.A. to lower Vetrean's (specifially disabled ones) the opportunity to have a decent place to live. In addition to my high FICO score, I made $140,000 annually (net) and was offered a $180,000 loan and was told that my tax returns and statements from my LLC did not meet the loan amount I desired; The *** acccepted them, why won't they? They're only intrested in the short-term sucker that can accept a high interest rate with a lower offer. ****** ********* the "Loan Specialist" is an underqualified hack that will hopefully feel the effect of DOGE and never be allowed to work in a government trused outsourced organization ever again. Additionally, I got texts (when the application was new) explaining that they needed tax returns. I sent them and never heard back until I threatened them to withdrawl my application. Go through Navy Federal. They're a ************ and they don't have to answer to a board of directors as other banks do. And unlike Veteran's United, are very professional.
Business Response
Date: 03/18/2025
Veterans United management has not contacted the consumer per their request. Loan qualification is based on verified financial information, including income as reported on tax returns for self-employment or individual contractors. We regret that this experience did not meet the consumers expectations and understand the homebuying process can be complex. Veterans United management remains available to discuss concerns or plans for qualifying in the future by contacting us directly at *******************.
Initial Complaint
Date:03/08/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have repeatedly attempted to establish biweekly payments for my mortgage following the process Veterans United requires since November (its now March). On two separate occasions Ive received confirmations in writing that the payments would be initiated in the subsequent month, to then not have them initiated. It appears at this point they are intentionally not allowing me to establish biweekly payments so they make more money in interest over the life of my mortgage. That is also the general appearance as it is a paper filing process to initiate biweekly payments, where it could be easily simplified by adding a biweekly autopay option to their existing monthly autopay feature in Bill ****
Business Response
Date: 03/11/2025
Veterans United has reviewed the consumers concerns and appreciates their patience throughout this process. While we regret any frustration experienced, we can confirm that the biweekly payment option has been successfully activated as requested. We remain available to assist the consumer now or in the future by contacting us directly at *******************.
Initial Complaint
Date:03/04/2025
Type:Order Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
My husband and I started looking for a home at the beginning of February 2025. We applied with Veterans United and immediately preapproved. We began looking for a home. After a few weeks, we found a manufactured home and put an offer on it. We spoke with Veterans United and they told us all we needed to do was get in contact with their credit department and take care of some debt. We paid what they said to pay and Veterans United said that is all we needed to do and we could move forward. We paid the inspection fee on the home, appraisal fee and put down ******* money. Veterans United didn't order our appraisal in a timely manner and didn't respond to our realtors inquiries so we had to get an extension. The appraisal was finally done but we received no confirmation. We were supposed to close Feb 28th. Monday of that closing week, we hadn't heard anything so I called Veterans United and spoke with the loan officer. He informed me that underwriting was not giving him an 'accept' anymore and he was not sure what to do. He also told me that the system didn't have the property listed as a manufactured home. I am not sure how that could be as it was on all the documentation we signed and the lender had the address of the property and was repeatedly told it was a manufactured home! We lost our ******* money but the seller worked with us. We are out a lot of money that we wouldn't have had to pay if we had known soon enough that they weren't going to help us. We are upset by the unprofessionalism displayed by the loan officer as he sent over notice of the loan denial to our realtor which didn't show a reason for the denial. My husband's credit score was also attached to the document which is private information! Veterans denied it was on the email. At this point, my husband and I need this to be made right by Veterans United and we want our appraisal fee of $725 returned to us. We will never do business with them again nor recommend them to anyone!
Business Response
Date: 03/07/2025
Veterans United has spoken with the consumer, and while we regret that the loan process did not meet expectations, we appreciate their candid insights. Our review found the loan team could have better explained some of the challenges and risks that arose after circumstances changed from the preapproval. As a result, the consumer was reimbursed for certain out-of-pocket expenses, and guidance was provided on steps to qualify for a home in the future. Veterans United remains available to assist the consumer or answer any further questions at *******************.
Customer Answer
Date: 03/08/2025
Better Business Bureau:

I have reviewed the business' response regarding complaint ID ******** and am satisfied with this resolution. Veterans United reached out to us promptly and agreed to reimburse us.

Sincerely,

***** *******
Initial Complaint
Date:02/26/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
***** **** ******* *********************************************** Phone: ************ Email: ************************** Date: February 25, 2025 Subject: Final Demand for Satisfaction of Mortgage and Immediate Lien Release Dear *** ****,I am writing to address the ongoing issue regarding the Satisfaction of Mortgage for my property at ******************************************. Despite multiple requests and the mortgage being fully satisfied since August 2024, with the deed conveyed to my trust in October 2024, a lien from Veterans United Home Loans remains on record. Your previous assertion that I should contact ****************, the loan servicer, is both factually and legally *************** Obligations and Violations:Under New York Real Property Law 275(1) and (2), once a mortgage is satisfied, the lender must execute and record a Satisfaction of Mortgage within 30 days. Failure to do so can result in statutory penalties. Additionally, the Truth in Lending Act (15 U.S.C. 1639g) mandates that creditors release their lien upon full satisfaction of the debt obligation. Your companys failure to comply with these requirements, despite the loan being satisfied for over six months, constitutes a clear violation of these laws.Misrepresentation of Loan Sale Practices:Your suggestion that I contact ***** Fargo implies that Veterans United Home Loans has sold or transferred my mortgage. However, according to your companys own policies and industry practices, while VA loans can be sold in the secondary mortgage market, such transactions do not absolve the original lender of their legal responsibilities. Specifically, the VA Lenders Handbook states that lenders who sell their VA loans in the secondary market must adhere to specific guidelines, including the timely release of liens upon loan satisfaction. Failure to do so may be considered a deceptive business practice and could potentially constitute securities fraud if misrepresented in your companys filings with the
Customer Answer
Date: 02/27/2025
I am formally disputing the response from Veterans United Home Loans (VUHL) regarding my previous complaint concerning the satisfaction of my mortgage and related financial transactions. The response provided by **** is legally insufficient and fails to address the fundamental violations of securities laws, New York state laws, and federal financial regulations in this matter. Key Legal Concerns and Violations: 1. Securities Fraud and Unlawful Transfer of Debt Instrument: The mortgage note underlying this loan is a negotiable security instrument, which cannot be unilaterally transferred to **************** without proper documentation, full disclosure, and compliance with federal securities laws. VUHLs Form 10-K, 8-K, and Prospectus filings with the ********************************** (***) should reflect the status of this mortgage-backed security (***). If the loan was securitized, then **** had no legal right to transfer ownership without following *** reporting and disclosure rules. Violations of the Securities Act of 1933 (15 U.S.C. 77a) and the Securities Exchange Act of 1934 (15 U.S.C. 78a) are apparent. If **** securitized this loan without proper disclosures, this constitutes securities fraud under Rule 10b-5 (17 C.F.R. 240.10b-5). 2. Failure to Prove Holder in Due Course Status: VUHL and **************** have failed to establish themselves as the holder in due course of the mortgage note under UCC Article 3 (Negotiable Instruments). This means they lack the legal standing to enforce collection or transfer of the obligation. If the note was previously sold or securitized, then **** no longer holds the original note, making any claim against me void. The burden of proof is on **** and **************** to provide a verifiable chain of title. 3. Violations of New York State Law: Under New York Uniform Commercial Code (UCC) *****, a borrower has the right to challenge the enforcement of a note that has been improperly transferred. VUHL
Business Response
Date: 03/05/2025
Veterans United Home Loans is aware of the consumers concerns and has previously addressed similar allegations through other channels. We respectfully disagree with the consumers claims, as they are not recognized by the State of New York or any court of law as legitimate processes. Our records indicate that we are not the current servicer and, therefore, do not have the authority to process a lien release. Additionally, ownership transfers are subject to specific requirements under the original loan agreement, which necessitate approval from the current servicer of the mortgage. We encourage the consumer to reach out to their current servicer for further assistance regarding this matter. Veterans United management remains available to review any relevant information and can be reached at *******************.
Customer Answer
Date: 03/05/2025
To: Better Business Bureau Dispute Resolution Department
Subject: Response to Veterans United Home Loans Statement

Dear Better Business Bureau,

Veterans United Home Loans has failed to address the concerns raised in my initial complaint. Instead of responding directly to the obligations they have as the originator of the loan, they continue to misdirect the issue by referencing state laws and judicial processes that have no jurisdiction over this matter.

Furthermore, Veterans United Home Loans repeatedly attempts to shift responsibility to the loan servicer, ****************, despite the fact that the servicer does not hold the obligations required of the originator. As the originating lender, Veterans United Home Loans has certain duties and responsibilities that they are refusing to acknowledge and fulfill.

It is important to highlight that Veterans United Home Loans has publicly filed documents with the ********************************** (***) that outline specific duties they are obligated to perform. By failing to comply with these duties, they are not only neglecting their contractual obligations but also misleading both consumers and regulatory bodies.

My complaint remains unresolved because Veterans United Home Loans continues to deflect responsibility rather than provide a substantive response. I request that they directly address the points raised and cease referring me to a servicer that does not have the legal obligation to act on matters that remain the responsibility of the originating lender.

I expect a direct response from Veterans United Home Loans that addresses their obligations under the original loan agreement and the regulatory filings they have made. I look forward to the Better Business Bureau ensuring that my concerns are appropriately addressed.

Sincerely,
***** Mark ***************** ***********************************
Phone: ************
Initial Complaint
Date:02/24/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
******* ********* ?********************************? *******************************?Email: *****************************?Phone: ************?Better Business Bureau (BBB) ************************************************************************************************************************** Subject: Complaint Against Veterans United Home Loans for Loan Misrepresentation and Denial of Document Access To Whom It May Concern,I am filing a formal complaint against Veterans United Home Loans regarding misrepresentation of loan details and failure to provide access to my mortgage documents.I obtained a mortgage through Veterans United Home Loans for my home at *********************************, with Loan Officer ******** ****** overseeing the loan process. During the transaction, he falsely claimed that I had $9,500 available to buy down my interest rate, which was misleading and did not align with the financial structure of my loan.Additionally, I have been denied access to my mortgage documents through Veterans Uniteds online portal. Despite multiple attempts to access my files, the system locked my account and instructed me to contact Veterans United for assistance. When I requested the documents to be unlocked, I was sent only the disclosure statement, not full access. I called again, but my account remains locked, and I still do not have access to my full loan records.Requested Actions:1. Full access to all mortgage documents in the online portal.2. A written explanation of why I was misled about my loan funds.3. A formal response addressing why I have been denied document access despite multiple requests.I am also filing complaints with the ************************************ (****) and the ****************************** to ensure accountability.Please contact me at ***************************** or ************.Sincerely,?******* *********
Business Response
Date: 03/05/2025
Veterans United has reviewed the concerns raised and appreciates the opportunity to address them. Our records indicate that all loan terms, including available funds and associated costs, were accurately presented during the loan process. Veterans United ensures transparency by providing mortgage documents throughout the loan process and at closing. To protect consumer data, certain documents are not available through the online portal after closing. However, we are happy to provide copies upon request and have already offered this option. The consumer has also received copies of their closing disclosures and escrow account waiver, which we believe address their outlined concerns. We remain available to assist with any further questions and encourage the consumer to contact us at ******************* if they need additional support.
Customer Answer
Date: 03/11/2025
Complaint: 22980957

I have reviewed the business' response and am rejecting it because:
I still do not have access to the portal. I was originally told I would be given access but now Veterans United is saying they cannot give me access.
Veterans United is saying I signed a disclosure taking responsibility for the previous owners property tax. Veterans United deducted $1749 from the buyer for property tax but never gave me the money they took from the seller. Why did I not receive a check for the $1749
Also, I was told the interest rate buy down was $4600 which would have left a balance of $4900 in seller credits. What happened to the excess funds?

Sincerely,

******* *********
Business Response
Date: 05/19/2025
Veterans United management has previously addressed the consumers concerns and provided a detailed written breakdown of the loan terms, including the funds in question. While some documents are restricted from portal access after closing to protect sensitive information, we have offered and delivered them through alternative means and we remain available to continue providing other documents as requested.The consumer can reach us directly at *******************.
Initial Complaint
Date:02/20/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On Jan 21, I was given a pre-approval from Veterans United, (specifically from ******* ******???? Senior Loan Officer, NMLS ID #*******. I received the pre-approval after thoroughly and transparently going over my situation, ie: I receive a limited amount Social Security and VA disability payments each month and I work only part-time ***** hours/week. All income as it stands started mid - late 2024. Most importantly the job started Sept 2024. Still, I got the pre-approval for up to $165,000. With the help of a realtor referred to me from Veterans United, I finally settled on a Condo, negotiated at $145,000, but the Condo was not on the VA approved list for Condominiums. Per *******, "once we get the contract we can get the condo on the approval list". So I entered into a contract solely on his say about the Condo getting on the approved list. But, then I got several calls about my circumstances that were communicated in the beginning, I was even asked if my job could put me on full time for the purpose of the closing. Turns out I can't use my work income due to needing 2 years of history. Also, I never could have met the closing deadline because it takes several months to get a Condo on the ** approved list. So, I had to graciously back out of the contract after 3 days of trying to work something out, but per the contract I now have to pay $500.00 termination to the seller! Had Veterans United and lender ******* ****** been upfront and honest with this transaction, I would have never entered into contract and would not be liable for this $500.00. This was not due to my negligence nor my desire to quit, this was a direct result of misinformation given to me. I am only looking to have the $500.00 reimbursed due to this misinformation and inaccurate counsel.
Business Response
Date: 02/26/2025
Veterans United management has spoken with the consumer and understands the consumers frustration regarding the loan process. Upon review, there was an opportunity to provide additional clarification regarding employment requirements earlier in the process. To support the consumer, we reimbursed their out-of-pocket expenses and appreciate the opportunity to assist them. We remain available to address any further questions and look forward to helping with a successful home purchase in the near future.
Veterans United management can be reached at ******************* for further assistance.
Customer Answer
Date: 02/28/2025
Better Business Bureau:

I have reviewed the business' response regarding complaint ID ******** and am satisfied with this resolution. Veterans United management was both understanding and swift with the resolution. My deepest appreciation to ****** ***** for his work on this issue.

Sincerely,

****** *****
Initial Complaint
Date:02/07/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I executed and acknowledged an executory device titled ********************** / Security Instrument as a party of interest. Upon Lender's execution of this device Lender's institution was to lend me a sum of money. As of February 7, 2025, Lender has not as yet executed this device. ****** has reneged.
Customer Answer
Date: 02/12/2025
*********-********: ********, the living woman
(full and correct name of *********-********)
Post Office ********************************
Registered owner of : ********* ******** ********, a Landed Estate

Veterans United Home Loans must produce their Proof of Claim. I demand to inspect the Original Mortgage Note, with wet ink signatures, along with the Title Page that shows whether or not the Mortgage has been satisfied.

The certified Auditors Report I have ascertained verifies that the Mortgage Research Center, LLC d/b/a Veterans United Home Loans sold the original Note and failed to give credit to my account. This Note was created on my credit, and signature, and was not an asset of Mortgage Research Center, LLC d/b/a Veterans United Home Loans. Veterans United Home Loans have not been damaged and have no lawful,legal right to a claim. Proof of Claim must be established by law.

Only the original Mortgage Note will be accepted as Proof of Claim. If Veterans United Home Loans have the original Mortgage Note let them bring it forth and offer their Proof of Claim for my inspection. I have knowledge that Veterans United Home Loans DOES NOT have lawful Proof of Claim and there is no evidence to the contrary. This is known as Dishonor in commerce, Theft, Fraud, Conspiracy, and Racketeering.

I tendered a lawful Note to Mortgage Research Center, LLC d/b/a Veterans United Home Loans to settle this debt. Mortgage Research Center, LLC d/b/a Veterans United Home Loans has chosen to dishonor my lawful Note and refused to zero the account.Notes are Legal Tender for debts, according to the Code. This too is Dishonor in Commerce, Fraud, Theft of Public Funds, Racketeering, and Conspiracy and there is no evidence to the contrary.

I had the mortgage audited for *** violations. Mortgage Research Center, LLC d/b/a Veterans United Home Loans has permanently converted my Promissory Note into stock and stock is subject to the SECs laws and regulations, necessitating the completion of registration statements, Pooling and Servicing Agreements, Form 424B-5, and other documents. There is no evidence on record that the Mortgage was ever transferred simultaneously with the supposed legal transfer of the Note, such that the Mortgage and Note were permanently separated, rendering the putative security in property null and void.

The debt was securitized. The Assignment of Mortgage pretended to be an A to D transaction, but the foreclosing party was concealing the true sales facts of A to B, B to C, and C to D, where A is the original lender, B is the sponsor/seller, C is the bankruptcy-remote depositor, and D is the issuing mortgage-backed securities trust. I did not receive notice of foreclosure and I have been denied Due Process under Color of Law.
Business Response
Date: 02/18/2025
Veterans United has thoroughly reviewed this matter on previous occasions and has responded to multiple regulatory agencies. Our response remains consistent and unchanged: Veterans United has fulfilled all obligations under the loan agreement, and the claims made in the complaint, including the demand for payment, have no legal merit. A mortgage was executed during the closing process when loan funds were disbursed, and there is no basis for the assertion that Veterans United has failed to uphold its responsibilities. Veterans United considers this issue resolved unless new information is presented for consideration. If the consumer has additional information they wish to provide, they may contact us at *******************.
Customer Answer
Date: 02/18/2025
I have reviewed the business' response and am rejecting it because the business has NOT addressed the issue of beneficial ownership, which it does not have. If the business is in possession of the original Note it would bring it forth to prove its claim of any interest in the subject property. Please be advised that the subject property has been transferred to a trust and Mortgage Research Center LLC d/b/a Veterans United Home Loans Power of Attorney consent has been revoked for all years and all periods.

Sincerely,
********* Beatrice ********
Customer Answer
Date: 02/18/2025
I have reviewed the business' response and am rejecting it because the business has NOT addressed the issue of beneficial ownership, which it does not have. If the business is in possession of the original Note it would bring it forth to prove its claim of any interest in the subject property. Please be advised that the subject property has been transferred to a trust and Mortgage Research Center LLC d/b/a Veterans United Home Loans Power of Attorney consent has been revoked for all years and all periods.

Sincerely,
********* Beatrice ********
Customer Answer
Date: 02/26/2025
Your response dated 2/25/2024 states that I did not respond to the company's response on 2/18/2025. That is not true. I did respond on 2/18/2024 with additional information and documents. The company has not responded. I have included the document I attached on 2/18/2025 with my response and also an additional document. Please explain why you state that I did not respond. Thank you in advance.
Business Response
Date: 03/04/2025
Veterans United has carefully reviewed and responded to the consumers concerns through multiple channels, and our position remains unchanged. While we respect the consumers right to voice their concerns, the documentation and requests submitted do not align with the terms of the loan agreement or applicable laws. As a result, we do not recognize the claims or enforceability of the consumer's assertions and reject the demands in their entirety. As this matter has been thoroughly reviewed, Veterans United considers it resolved and will not be able to provide further responses unless new, relevant information is provided. If the consumer has additional questions regarding their loan, they may contact us at *******************.
Customer Answer
Date: 03/06/2025
Re: Cusip Number ********* In addition to MORTGAGE RESEARCH CENTER, LLC dba VETERANS UNITED HOME LOANS having no security interest, as already stated, I have uncovered extensive fraud in regard to the mortgage and transactions associated with it on certain real property as noted below. It has come to my attention that MORTGAGE RESEARCH CENTER, LLC dba VETERANS UNITED HOME LOANS, NATIONSTAR MORTGAGE LLC, *******************, and *******************************, PROFESSIONAL ASSOCIATION are involved in the attempted unlawful and illegal foreclosure on my trust property at *************************************************************************** where securities fraud, tax fraud, and document fraud has occurred. *** contract laws have also been broken.
Assignment of Mortgage to ****** *** does not exist and any LAWFUL foreclosure action depends on a valid Assignment of Mortgage to ****** ***.
However, an Assignment of Mortgage to MORTGAGE RESEARCH CENTER, LLC dba VETERANS UNITED HOME LOANS instead of ****** *** was recorded on June 30, 2023 in the Official ****************, ******* records as instrument number 2023 22241.
This conceals ownership of the loan from me (the then homeowner).
This Assignment was made approximately two (2) years after the loan origination. This is a document of impropriety and it clouds property title.
A notarized Assignment of Mortgage for equivalent value with verifiable proof of funds and a note endorsement, prior to ****** **** acquisition has to be recorded for a lawful foreclosure to proceed in validating the real parties in interest, and to be in compliance with the Alabama Uniform Commercial Code.
As I have given MORTGAGE RESEARCH CENTER, LLC dba VETERANS UNITED HOME LOANS every possible opportunity to do the right thing and they have made it clear that they will not. This is MORTGAGE RESEARCH CENTER, LLC dba VETERANS UNITED HOME LOANS Constructive Notice that evidence in this matter will be delivered to the *** for securities violations.
Customer Answer
Date: 03/06/2025
Complaint: 2291188

I have reviewed the business' response and am rejecting it because as I already stated this debt was securitized. ****** and Satisfaction has occurred on this loan and with the assignment on record. The securitization of the note is evidenced by the cusip *********. The Mortgage and the Note were permanently separated and MORTGAGE RESEARCH CENTER, LLC dba VETERANS UNITED HOME LOANS has absolutely no security interest in the property -- and no right to foreclose. I have previously stated all this. Therefore, I'm contacting the *** for my remedy.
Sincerely,
********* Beatrice ****************

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