They specialize in closing VA loans. We help you arrive ready to close one.
"Veterans United does nothing but VA loans — why would I start anywhere else?"
Their specialization is genuine, and for many veterans they're an excellent place to close.
The VA program has requirements no other program has: entitlement, the funding fee, occupancy certification, and a residual income test that measures dollars left over after all obligations.
ReadinessIQ walks those rules with you first, so nothing about your own file is a surprise.
| Capability | ReadinessIQ | Veterans United |
|---|---|---|
| Explains VA entitlement and second-tier use | Yes | Yes |
| Checks residual income by region and household size | Yes | yes, after application |
| Credit pull required | No | yes to apply |
| Scores non-VA programs too | Yes | limited |
| Explains the guideline behind every answer | Yes | Partial |
| May result in sales follow-up | No | often |
| Shareable Passport for lenders & agents | Yes | No |
| Works if you're self-employed / 1099 | Yes | Partial |
| Free | Yes | Yes |
Comparison based on publicly available product information and typical U.S. mortgage workflows as of July 2026. Features and processes may change over time.
The tool you should trust depends on the question you're actually asking.
"Can we close this veteran's VA loan?"
"How do I become the strongest buyer possible?"
Both tools do something valuable. They just answer different questions at different stages of the journey.
Deep VA specialization, from entitlement restoration to Certificate of Eligibility handling.
Built for the stage before an application — where most buyers have the most questions and the fewest tools.
Readiness is its own stage — and it belongs at the start.
The VA itself doesn't set a minimum score. Lenders do, and most set theirs in the low-to-mid 600s. That gap between the program rule and the lender overlay is why two lenders can reach different answers on the same veteran.
Residual income is the money left each month after the mortgage payment, other debts, taxes, and a maintenance allowance. VA requires a minimum amount that varies by region and family size, and it can override an otherwise high debt-to-income ratio.
Most borrowers do, though it can be financed into the loan. Veterans receiving compensation for a service-connected disability are generally exempt — confirm your status on your Certificate of Eligibility.
No. ReadinessIQ does not pull credit — no soft inquiry, no hard inquiry. Your score is calculated against published underwriting rules using the information you provide.
No. A readiness score measures how strong your file is against guidelines. A formal approval comes only from a licensed lender after documents are verified and credit is pulled.
Know where you stand before filling out another application.
Understand your options before your phone starts ringing.
Improve your readiness before a lender ever reviews your file.