VA home loans in Tennessee
VA purchase and refinance loans for Tennessee veterans and military families, from Clarksville and Fort Campbell to Millington, Tullahoma and Knoxville.
Written by the FLO Mortgage team · Licensed mortgage broker, NMLS #1835856 · Updated October 2026
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At a glance
- Served by the VA's Atlanta Regional Loan Center
- State property tax relief for qualifying disabled veterans
- No state tax on wages
- Residual income region: South
Talk with a licensed loan officer
Tennessee
Tennessee pairs a strong military presence with no state income tax on wages, which makes it a popular place for military families to buy and to retire. FLO Mortgage is licensed in Tennessee and helps veterans use their VA benefit statewide.
Tennessee military communities we serve
| Installation | Branch | Where families often buy |
|---|---|---|
| Fort Campbell | Army | Clarksville, Montgomery County, Oak Grove KY |
| Naval Support Activity Mid-South | Navy | Millington, Bartlett, Arlington, Atoka |
| Arnold Air Force Base | Air Force | Tullahoma, Manchester, Winchester |
| McGhee Tyson Air National Guard Base | Air National Guard | Alcoa, Maryville, Knoxville |
| Berry Field Air National Guard Base | Air National Guard | Nashville, Smyrna, Murfreesboro |
| Memphis Air National Guard Base | Air National Guard | Memphis, Germantown, Collierville |
Fort Campbell straddles the Kentucky line, and many families buy on the Tennessee side in Clarksville.
Tennessee property tax relief for veterans
- Disabled veterans with a service-connected permanent and total disability, or certain qualifying disabilities, can receive state-paid property tax relief on part of their home's value.
- Unremarried surviving spouses of qualifying disabled veterans can receive relief on a smaller portion of the home's value.
- Tennessee's program pays back tax on a capped amount of market value rather than reducing your assessment. Apply through your County Trustee.
Buying in Tennessee with a VA loan
- No state tax on wages can leave more room in your residual income.
- THDA, Tennessee's housing agency, offers a program for veterans and service members that can be paired with VA loans through participating lenders. Ask us whether it fits.
- Clarksville is one of the busiest VA markets in the country, so a strong pre-approval helps your offer stand out.
Questions, answered
Which VA office handles Tennessee?
Tennessee is served by the VA's Atlanta Regional Loan Center.
Do disabled veterans get property tax relief in Tennessee?
Yes. Veterans with a qualifying service-connected disability can receive state-paid property tax relief on part of their home's value. Apply through your County Trustee.
Can I live in Clarksville and work at Fort Campbell?
Yes. Many Fort Campbell families buy in Clarksville and Montgomery County, Tennessee, and use a VA loan to do it.
More VA loan guides
- VA home loans overview
- VA loan questions, answered
- VA loan tools and calculators
- VA home buying roadmap
- VA loans for first-time buyers
- VA loans for active duty
- VA loans for Guard and Reserve
- VA appraisals and property requirements
- VA closing costs and seller concessions
- VA occupancy rules
- VA entitlement and second VA loans
- Assumable VA loans
- VA condos and property types
- VA manual underwriting
- Disabled veteran property tax exemptions
- VA streamline refinance (IRRRL)
- VA cash-out refinance
- VA funding fee exemption
- VA loans for surviving spouses
- VA residual income explained
- VA loans after bankruptcy or foreclosure
Local VA loan help
Talk to a FLO Mortgage loan officer
Every FLO loan officer helps veterans, service members and military families with VA loans. Have a question these guides don't answer? Ask our team.
This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, property eligibility and program availability. Lender requirements may be stricter than the program guidelines described here. Not all applicants will qualify. Figures reflect 2026 VA guidelines and may change without notice. FLO Mortgage is licensed in Florida, Georgia, Michigan, North Carolina, Tennessee and Texas. Company NMLS #1835856. Equal Housing Opportunity. FLO Mortgage is not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency. Licensing & Disclosures.
Local, licensed help
Talk a VA loan through with a FLO loan officer
Every FLO Mortgage loan officer can walk you through this program, run the numbers for your situation and compare it with your other options. Have questions? Call our main office at (386) 882-9980.
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Answer a few quick questions and a local loan officer will follow up with your options.