⸻I worked with Spencer Garcia at Veterans United Home Loans, and the entire process was simple and straightforward. Since Spencer is also a veteran, it was easy to relate to him on that level, which made the experience even better. His team is full of experts who are ready to help you get into your new home. Just be prepared to submit documents quickly as things move along.

This is the second time I have used Veteran's United for financing my home. Kennedy Kugle was my loan officer the first time and he provided exceptional services, very respectful personality and caring throughout the complete loan process. This time as well Kennedy was my loan officer and as expected his exceptional service provided but this time it was Outstanding and pure delight. Starting with the loan inception through to the closing date he set a record of 13 days total closing time. As if he didn't do enough already, while I am overseas, he miraculously stepped up much further by working with American Title to ensure that I closed with electronic signature's and via a video teleconference with a notary public for documents to me signed under oath. Kennedy Kugle is the best loan officer I have ever worked with in mortgage loans, with his contributions of exceptional care for Veterans United complements the reputation of the companies' great professional and ethical standards and should be considered for a nice bonus for his faithful services. Kennedy, Maria and I thank you immensely for our experience a second time with you.

It was very easy to get things set up through VU.





WeiWei and the rest of the Veterans United team remained in constant contact during the entire home purchase process. I received phone calls, emails, and tasks to perform via the VU app. I never felt stressed out throughout my home purchase process and am very thankful how seamless this process was.


This was my first time buying a townhouse, and I have little experience or knowledge with buying a home through Veterans United. The only knowledge I have was through the internet and hearing stories from my friends and their experiences. So I went with it and purchased a home in HI which was expensive, a long process but yet thrilling in the end. The teams that I work with were amazing and very knowledgeable, and I can't thank them enough throughout each step of the way. They made it easy for me, even though I'm in a different state. I will definitely recommend them to my friends and family.

Positive overall experience

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It was my first time buying a home and I felt overwhelmed before I was introduced to Ryan whom took a lot of the work and stress off of me and my wife.


I had an excellent experience throughout my home loan process. The team was professional, knowledgeable, and always kept me informed every step of the way. They made what could have been a stressful experience feel smooth and straightforward. I truly appreciated their clear communication and commitment to getting everything done on time.

Thnx for the all help and glad I listened and let you guys do ur thing thnx

Kaimiloa was very helpful along the way. He was clear about any issues or questions I asked him.


Everything went smoothly with Veterans United. The whole team is amazing!


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Hands down, best service and relationship to assist a homebuyer. Receiving my loan approval was transparent and timely. Their app and communications were simple and streamlined.

