Get the most out of your hard-earned benefit. We help Tennessee veterans navigate every VA home loan option available to them.
A VA loan is a mortgage option backed by the U.S. Department of Veterans Affairs, available to veterans, service members, and surviving spouses. VA loans are financed by private lenders like us — backed by the government guarantee that makes them uniquely powerful.
VA home loans offer competitive interest rates and can be used to purchase a single-family home, condominium, multi-unit property, or new construction — all with $0 down payment for eligible Tennessee veterans.
The VA has guaranteed more than 28.5 million loans since 1944. Here's why Tennessee veterans choose the VA loan over every other option.
The signature benefit of VA loans. Qualified veterans can purchase without making a down payment, no matter the home price. Most other loan types require at least 3% down.
VA loans consistently carry lower average interest rates than conventional and FHA loans — saving Tennessee veterans thousands over the life of their loan.
The VA loan program was built to expand access to homeownership. More flexible and forgiving credit underwriting guidelines are a hallmark of the program.
The VA limits what lenders can charge in closing costs, and allows sellers to cover all loan-related closing costs — reducing your out-of-pocket expenses significantly.
Unlike conventional loans, VA loans require zero PMI — even with no down payment. This alone saves most veterans hundreds of dollars every single month.
Your VA loan entitlement never expires. It can be restored and reused multiple times — whether it's your first home or your fifth.
For most Tennessee veterans, the VA loan is the clear winner. Here's how it stacks up side by side.
| Feature | VA Loan ✓ | Conventional | FHA |
|---|---|---|---|
| Down Payment | $0 | 3–20% | 3.5% |
| Mortgage Insurance | None | Required under 20% down | Required (upfront + annual) |
| Interest Rates | Lowest on market | Requires top credit | Middle of the road |
| Credit Flexibility | Most flexible | Stricter guidelines | Flexible |
| Closing Costs | Lowest on market | Higher than VA | Highest |
| Reusable | Yes — lifetime benefit | N/A | N/A |
The VA loan benefit offers qualified Tennessee veterans multiple powerful home financing options.
Purchase a new or existing home with $0 down. Works for single-family homes, condos, multi-unit properties, manufactured homes, and new construction in Tennessee.
Already have a VA loan? The Interest Rate Reduction Refinance Loan lets you lower your rate with minimal paperwork, no appraisal required in most cases, and no out-of-pocket costs.
Access your home's equity by refinancing your current mortgage. Available to veterans with or without existing VA loans. Refinance up to 90% of your home's value.
Purchase or refinance a home while financing approved repairs or updates — all in a single VA loan. Perfect for veterans who want to customize a property or bring it up to VA standards.
Finance up to $6,000 in energy efficiency improvements — like solar systems, heat pumps, or thermal windows — as part of your home purchase or refinance.
Every Tennessee veteran's situation is different. Call us at 615-852-5812 or fill out our quick form and we'll find the best option for you — no obligation.
Answers to the questions we hear most from Tennessee veterans.
Call us at 615-852-5812 or fill out our quick form. No obligation, no pressure — just honest answers from people who know VA loans.