So just to clear things up:
Verizon device only : unlocked
AT&T device only : unlocked
T-Mobile device only : unlocked
Does it matter if its purchased at an apple store or not? Just need to confirm
also do you have restore before they all unlock or is it plug n play?
Yes it matters if it is from an Apple store. If you purchase it full price from a carrier it will be locked to their network. You have request a unlock from the carrier. Buy from an apple store.
Buy "device only" from an apple store, unbox and plug into iTunes. You will see the unlock message.
Close. Per the post above, all Verizon iPhones are unlocked, whether purchased on contract or device only, from the carrier, Apple, or any other reseller. It was a condition for one of the LTE licenses that Verizon entered into. However, Verizon doesn't have to sell you a phone device-only. Apple doesn't have to, either, but they will, at least in the store.