VA Loans in Tennessee
Tennessee earns its military population the honest way, with Fort Campbell and the 101st Airborne on the Kentucky line, NSA Mid-South above Memphis, Arnold Air Force Base in the highlands, and no state income tax on anything you earn. PBT Bancorp helps Veterans and active-duty families across the state buy and refinance with no down payment and no monthly mortgage insurance.
- 3,000+ Veterans helped
- Licensed in all 50 states
- Fast 2 to 3 week closings
VA Loans by Tennessee City
Start with the page closest to your base or your city, and reach a VA specialist any time at 800-697-4371. More Tennessee cities are on the way.
VA Loans Near Fort Campbell
Clarksville, TN · Fort Campbell
VA Loans Near McGhee Tyson Air National Guard Base
Knoxville, TN · McGhee Tyson Air National Guard Base
VA Loans Near Mountain Home VA Medical Center
Johnson City, TN · Mountain Home VA Medical Center
VA Loans in Nashville, TN
Nashville, TN
VA Loans in Memphis, TN
Memphis, TN · NSA Mid-South
VA Loans in Chattanooga, TN
Chattanooga, TN
VA Loans in Murfreesboro, TN
Murfreesboro, TN
VA Loans in Tullahoma, TN
Tullahoma, TN · Arnold AFB
Tennessee VA IRRRL
Streamline refinance for existing TN VA loans
Tennessee VA Construction Loan
One-time close, land and build in a single VA loan
From Fort Campbell to the Smokies
Tennessee’s military footprint is bigger than most people realize. Fort Campbell and the 101st Airborne anchor Clarksville and the northern middle of the state, Naval Support Activity Mid-South in Millington runs much of the Navy’s personnel operations just above Memphis, Arnold Air Force Base near Tullahoma hosts the country’s premier flight-test facility, and the 134th Air Refueling Wing flies from McGhee Tyson outside Knoxville. Add the Mountain Home VA in Johnson City, which has cared for East Tennessee Veterans for over a hundred years, and a low cost of living from one end of the state to the other, and you get a place where Veterans settle on purpose. The VA loan is the cheapest way in, with nothing down on a primary residence, no monthly private mortgage insurance (PMI), and rates that usually undercut a comparable conventional loan.
What Tennessee Adds on Top of the Benefit
The state stacks its own advantages onto the federal one. There is no state income tax in Tennessee, so military retirement pay, drill pay, and your civilian income all keep their full value. For Veterans with a 100 percent permanent and total service-connected disability, the state pays the property tax on the first $175,000 of the home’s market value, with no income test, and surviving spouses of service members killed in action carry the same relief. The application runs through your County Trustee, and we will point you to the right office while your loan is in process.
Who Qualifies for a VA Loan in Tennessee
Veterans with qualifying service and an honorable discharge, active-duty members after 90 days of continuous wartime service or 181 days in peacetime, National Guard and Reserve members after six years or 90 days of federal activation, and surviving spouses of service members who died in the line of duty are all covered. We pull your Certificate of Eligibility (COE) straight from VA records during the application, and eligibility is federal, so it works the same in Clarksville, Knoxville, Memphis, or a county with no base at all.
- Nothing down on a primary home anywhere in the state
- No monthly mortgage insurance at any equity level
- Credit considered down to a 500 score on purchases and cash-out
- The funding fee waived with a 10 percent or higher service-connected disability rating
Refinancing a Tennessee VA Loan
If you already hold a VA loan in Tennessee, the Tennessee VA IRRRL lowers your rate with no appraisal, no income verification, and no asset documentation, and our No Score version carries no credit minimum when the mortgage has stayed within one 30-day late over the past year. When the goal is equity rather than rate, a VA cash-out refinance reaches up to 100 percent of the home’s value, or rolls a conventional or FHA loan onto your VA benefit and drops its mortgage insurance. Building instead of buying is on the table too, through the Tennessee VA one-time close construction loan, which wraps the land, the build, and the permanent financing into a single closing.
Why Tennessee Veterans Use PBT Bancorp
PBT Bancorp is an FDIC member bank and a wholesale broker in one, licensed in all fifty states, with more than 3,000 military families closed and decades of VA lending behind every file. Your loan funds in house or goes out to more than 35 competing lenders, whichever prices better, one VA specialist stays on your file from the first call through closing, and the 500-score floor plus the No Score IRRRL keep us closing loans the national call centers decline. Call 800-697-4371 or get pre-qualified online.
Tennessee Families Who Closed With Us
Tennessee VA Loan FAQs
Which Tennessee bases and cities do you serve?
All of them, since we are licensed statewide and nationally. The big installations are Fort Campbell on the Kentucky line above Clarksville, Naval Support Activity Mid-South in Millington above Memphis, Arnold Air Force Base near Tullahoma, and the McGhee Tyson Air National Guard Base outside Knoxville. We also work with the heavy Veteran communities around Nashville, Chattanooga, and the Tri-Cities, where the Mountain Home VA has served East Tennessee for more than a century.
Does Tennessee tax military retirement pay or income?
Tennessee charges no state income tax at all, so your retirement check, your drill pay, and your civilian paycheck are all untouched at the state level. For a military retiree comparing states, that is one of the simplest financial arguments Tennessee makes.
Does Tennessee give disabled Veterans a property tax break?
Yes, and it is one of the stronger programs in the country. The state pays the property tax on the first $175,000 of your home’s market value if you have a 100 percent permanent and total service-connected disability, with no income test, and surviving spouses of service members killed in action qualify as well. You apply through your County Trustee’s office, and we are glad to point you the right way during your loan.
Is there a VA loan limit in Tennessee?
Not for a Veteran with full entitlement, who can often buy above the county conforming figure with no money down. The 2026 conforming number is $832,750 in every Tennessee county, and it only matters when you are using partial entitlement or a VA high-balance loan on a higher-priced home. We confirm your exact entitlement up front.
What credit scores can you work with in Tennessee?
We lend down to a 500 minimum credit score on VA purchases and cash-out refinances, and the No Score VA IRRRL carries no minimum at all when your mortgage has stayed within one 30-day late over the past year. We start with a soft credit pull, so checking your options costs your score nothing, and more than 35 wholesale lenders compete for the file.
Ready to use your benefit in Tennessee?
Talk with a PBT Bancorp VA specialist about buying, building, or refinancing anywhere in the state. We pull your Certificate of Eligibility (COE), shop your loan across more than 35 wholesale lenders, and most of our borrowers close in two to three weeks. Call 800-697-4371 or get pre-qualified online.
Talk to a VA loan specialist
Real person, no credit pull, no obligation. Takes 30 seconds.
What do you need help with?
Thank you for your interest. We will be in contact as soon as possible.
Prefer not to wait? Call 800-697-4371 or text us at (800) 697-4371.