Veterans United Survey: More Than Half of Buyers Comfortable With AI-Driven Homebuying

More than half of prospective homebuyers (53%) would be comfortable buying a home without direct human involvement, according to a new Veterans United Home Loans survey that reflects growing trust in AI tools and technology.

Buyers also appear increasingly comfortable with AI's ability to handle the sensitive financial information and personalized guidance that often underpin major homebuying decisions.

The survey found that nearly 9 in 10 buyers (89%) say they would share personal financial information with an AI-powered lender tool in exchange for tailored mortgage advice, while about 7 in 10 say they would trust the guidance they get.

Taken together, the results underscore a growing willingness among buyers to let AI play a larger role in one of the biggest financial decisions of their lives.

“What's striking is how much trust buyers are placing in these tools when it comes to major financial decisions,” said Chris Birk, vice president of mortgage insight at Veterans United. “The willingness to share financial information, seek personalized guidance and even consider a fully AI-driven experience suggests many consumers are becoming far more comfortable with this technology than they were just a few years ago.”

A Tool for Tasks

Buyers' willingness to let AI play a larger role in homebuying extends beyond sharing financial information.

More than two-thirds of prospective buyers (68%) say they completely or somewhat trust mortgage information provided by AI-based tools. Veterans were notably more confident in the technology, with 77% expressing trust compared to 59% of civilian buyers.

At the same time, consumers are also increasingly comfortable allowing AI to take on practical responsibilities throughout the mortgage process.

About 69% of prospective buyers say they are very or somewhat comfortable using AI-based tools to help with loan application documents. More than one-third say they are very comfortable with that use case, including nearly half of Veteran buyers.

Interest in AI-assisted mortgage shopping is even stronger. More than three-quarters of prospective buyers say they are comfortable using AI tools to shop for mortgage lenders on their behalf.

Many buyers increasingly view AI as more than a source of information. For a growing share of consumers, it’s become a tool for evaluating loan options, organizing paperwork and streamlining portions of the homebuying process.

Veterans Lead AI Adoption

Veterans demonstrated greater trust and comfort with AI than civilian buyers across every major question in the survey.

Veterans were more likely to trust AI-generated mortgage information, more willing to share financial information with AI-powered lender tools, more comfortable using AI for loan documents and lender shopping, and more open to a fully AI-driven homebuying experience.

The consistency of those results points to a notable divide in how different groups of buyers are approaching emerging technology and may signal a faster pace of AI adoption among military and Veteran communities.

“The gap between Veterans and civilian buyers is a reminder that technology adoption isn't a one-size-fits-all story,” Birk said. “Different groups may arrive at the same destination, but they don't always move at the same pace.”

Balancing Tech and Expertise

Even as consumers grow more comfortable with AI, many continue to see a role for human expertise in the homebuying process.

Only one-quarter of prospective buyers say they would be very comfortable completing a home purchase without direct human involvement, suggesting that many consumers still value the reassurance and judgment that experienced professionals can provide during major financial transactions.

While AI is becoming an increasingly trusted partner throughout the homebuying journey, many buyers will continue to view technology and human expertise as complementary rather than competing forces.

“AI is clearly becoming a more trusted partner in the process, but homebuying is still deeply personal,” Birk said. “What we’re seeing is buyers embracing the convenience and efficiency of AI while still valuing human expertise when it matters most.”

Methodology

On behalf of Veterans United, research and data firm Sparketing conducted an online survey from March 13 to March 24, 2026 of 400 Veterans and civilians who intend to buy a home in the next three years.