Chattanooga Homes with VA Loan Terms

Chattanooga Homes with VA Loan Terms

Welcome to Chattanooga, Tennessee – a vibrant city nestled in the scenic foothills of the Appalachian Mountains and the banks of the Tennessee River. Known for its rich history, stunning natural beauty, and a strong sense of community, Chattanooga offers an ideal blend of urban amenities and outdoor adventures. With its mild climate and four distinct seasons, residents enjoy a variety of recreational activities year-round, from hiking on Lookout Mountain to exploring the beautiful Tennessee Riverwalk.

Chattanooga is also home to a thriving arts and culture scene, featuring numerous galleries, theaters, and music festivals that celebrate local talent. The city’s revitalized downtown boasts an array of dining options, shopping boutiques, and entertainment venues that cater to all tastes. Families will appreciate the excellent schools and friendly neighborhoods, making it a great place to raise children.

For military veterans and active-duty service members, Chattanooga presents an attractive opportunity to find a home with VA loan terms. These loans offer significant benefits, including no down payment and competitive interest rates, making homeownership more accessible. Whether you’re looking for a charming bungalow in a historic neighborhood or a modern condo with breathtaking views, the real estate market in Chattanooga is diverse and welcoming.

With its combination of affordability, quality of life, and VA loan options, Chattanooga is not just a place to live; it’s a place to thrive. Discover the beauty and community spirit of Chattanooga today, and let this enchanting city be the backdrop for your next chapter!

Newest Chattanooga Homes with VA Loan Terms

$379,000
4 Beds ⋅ 2 Baths ⋅ 1540021 MLS
Beautifully renovated and move-in ready, this 4-bedroom, 3-bath bungalow offers 1,741 square feet of thoughtfully designed living space in Highland Park. Just minutes from Main Street, the Historic Southside, and Downtown Chattanooga, you'll enjoy convenient access to local favorites like Lo Main, Scottie's on the River, Sleepyhead Coffee, and so much more, all while coming home to a quiet neighborhood you will love. The open-concept living area centers around a elegantly updated kitchen featuring a large island, new cabinetry, and generous workspace for both everyday living and entertaining. A generously sized mudroom provides abundant storage and organization, while all three bathrooms have been thoughtfully renovated with stylish tile, quality fixtures, and timeless finishes. The flexible floor plan includes four bedrooms, offering options for guest accommodations, a home office, creative space, or other evolving needs. Outside, the level lot provides low-maintenance outdoor living with plenty of usable space to enjoy. Unwind on the covered front porch, gather in the backyard, or take advantage of the detached garage and accessory building for storage, a workshop, studio, or additional workspace accessible via the rear alley. Blending classic bungalow charm with thoughtful modern updates and an exceptional Highland Park location, this home offers the best of city living with neighborhood appeal. Come see what makes 1511 E 13th Street so special!

1511 E 13th Street, Chattanooga

Listing courtesy of Lifestyles Realty Tennessee, Inc.

$425,000
5 Beds ⋅ 3 Baths ⋅ 1540018 MLS
Welcome to 7014 Rocky Trail, a truly unique property offering incredible flexibility for investors, house hackers, multigenerational households, or large blended families. The home features five bedrooms plus three additional rooms currently being used as bedrooms, providing an exceptional amount of space and versatility. The finished lower level includes its own kitchen with abundant cabinetry, a spacious living area, and a fireplace, making it possible to comfortably live on either level or create separate living spaces. A second living room and fireplace upstairs add even more room to relax and entertain. Three laundry areas, including one upstairs, one downstairs, and one in the garage, make the layout especially functional for multiple occupants. A chair lift on the interior stairs also provides added accessibility between levels. Outside, two separate driveways offer plenty of parking. One leads to the attached two-car garage, while the second is ideal for additional vehicles, an RV, or a camper. The expansive back deck and gazebo overlook a partially fenced backyard and provide an excellent space for outdoor dining and entertaining. Two storage buildings offer additional room for tools, equipment, and seasonal items. With flexible living spaces, a second kitchen, multiple laundry areas, abundant parking, and outstanding investment potential, this home is a rare opportunity. Schedule your private showing today.

7014 Rocky Trail, Chattanooga

Listing courtesy of EXP Realty, LLC.

$399,000
4 Beds ⋅ 3 Baths ⋅ 1540012 MLS
MOVE-IN READY - KINGSTON WOODS IN EAST BRAINERD! Builder Incentive: 1% Rate Buydown OR 1% Toward Closing Costs with Preferred Lender Introductory Pricing Available - Don't miss this opportunity to purchase in East Brainerd's newest community before pricing increases. Welcome to Kingston Woods, East Brainerd's newest community, conveniently located just minutes from Hamilton Place. This thoughtfully designed home features an open-concept layout with 2 bedrooms on the main level, making it ideal for both everyday living and entertaining. Features include: • White Shaker Cabinets • Quartz Countertops with Waterfall Island • Electric Fireplace • Stainless Steel Samsung Appliances • Two-Car Garage • Freestanding Tub + Tile Shower in Primary Suite • Approx. 170 SF Unfinished Bonus Room • Covered Back Porch • Privacy Fence • Low-Maintenance New Construction Kingston Woods offers true low-maintenance living, with the HOA providing lawn care and landscaping maintenance throughout the community, allowing homeowners to spend less time on upkeep and more time enjoying their home. Buyer to verify all information including schools, square footage, taxes, and HOA information. Personal Interest Applies. Agent is related to Seller

1777 Millie Lot 3 Lane, Chattanooga

Listing courtesy of Local Roots Realty.

$265,000
3 Beds ⋅ 2 Baths ⋅ 1539978 MLS
Welcome to 3612 5th Avenue, a thoughtfully renovated 1925 home that blends classic character with modern updates. Taken down to the studs and completely redone, this three-bedroom, two full bathroom property offers peace of mind and a fresh start for its next owner. Whether you are a first-time home buyer or searching for a solid rental opportunity, this home checks all the right boxes. Inside, you will find a great layout with a spacious living room and a separate dining area that feels both functional and inviting. Wood flooring pairs beautifully with luxury vinyl, adding warmth and durability throughout the home. The kitchen is bright and clean with white cabinetry and stainless-steel appliances, making it easy to imagine everyday meals or hosting friends. The main level features one bedroom and a full bathroom, while upstairs offers two additional bedrooms and another full bathroom. Both bathrooms are shared and include tub shower combinations, creating a practical setup for everyday living. Step outside to enjoy a covered front deck overlooking a private, fenced yard that is perfect for relaxing, entertaining, or letting pets roam. Off-street parking adds extra convenience. Located close to I-24, this home offers an easy drive to downtown Chattanooga restaurants, attractions, and all the outdoor adventures the area is known for, including hiking and rock climbing. Previously used as a rental, this property has proven versatility. Be sure to review the floor plans to fully appreciate the layout. Schedule your showing today. Local lenders are preferred. Owner-Agent.

3612 5th Avenue, Chattanooga

Listing courtesy of Real Estate Partners Chattanooga LLC.

$495,000
4 Beds ⋅ 3 Baths ⋅ 1539948 MLS
Discover your dream home! This stunning 4-bedroom, 2.5-bath residence offers the perfect blend of comfort, style, and functionality. The spacious master suite is conveniently located on the main floor, providing a private retreat with ample room to relax and unwind. Throughout the home, you'll find modern finishes and thoughtful details that create an inviting and elegant atmosphere. Three additional, large bedrooms upstairs offers ample space for a growing family or a office/den space! The fenced-in yard is perfect for family gatherings, outdoor play, or giving your pets a safe space to roam freely. One of the standout features of this property is the walking path that leads directly to Camp Jordan, offering endless opportunities for outdoor fun, fitness, and enjoying nature right at your doorstep. Whether you're an avid runner, cyclist, or simply love leisurely strolls, this location truly enhances your lifestyle. Don't miss out on this incredible opportunity to make this beautiful house your new home.

574 Prema Drive, Chattanooga

Listing courtesy of Keller Williams Realty.

$375,000
3 Beds ⋅ 3 Baths ⋅ 1539944 MLS
MOVE-IN READY ALL BRICK HOME in Brookhaven Heights! ALL NEW From the roof to the windows kitchen, baths, flooring, paint, fixtures, water heater, all exterior doors and even the garage door! This house has so much room for entertaining, inside and out. Host family & friends throughout the main level with huge living & dining areas leading into your gorgeous NEW kitchen & oversized breakfast area walking out French doors to the beautiful sunroom! Or have a game or movie night cozied up to the gas fireplace in the wide open basement family room. Unwind to the primary bedroom w/beautifully tiled private bath. Enjoy summer BBQ's in the fully fenced level, private yard backing to a peaceful treeline-perfect for cornhole or maybe a backyard pool! The list of new items is lengthy: roof, gutters, windows, waterheater, exterior doors, garage door & opener, kitchen cabinetry, granite counters, stainless appliances, fixtures, bath vanities, toilets, new tub & surround, pedestal sink, faucets, mirrors, light fixtures inside & out, new LVP flooring & carpet through house, new paint everywhere & new hardware. Close to I-75 at Exit 5, Gunbarrel Rd., Hamilton Place, 153, and the Airport. Agent is part owner.

2307 Brookhaven Circle, Chattanooga

Listing courtesy of Set Apart Realty LLC.

$375,000
3 Beds ⋅ 3 Baths ⋅ 20264018 MLS
MOVE-IN READY ALL BRICK home in Brookhaven Heights! ALL NEW From the roof to the windows kitchen, baths, flooring, paint, fixtures, water heater, all exterior doors and even the garage door! This house has so much room for entertaining, inside and out. Host family & friends throughout the main level with huge living & dining areas leading into your gorgeous NEW kitchen & oversized breakfast area walking out French doors to the beautiful sunroom! Or have a game or movie night cozied up to the gas fireplace in the wide open basement family room. Unwind to the primary bedroom w/beautifully tiled private bath. Enjoy summer BBQ's in the fully fenced level, private yard backing to a peaceful treeline-perfect for cornhole or maybe a backyard pool! The list of new items is lengthy: roof, gutters, windows, waterheater, exterior doors, garage door & opener, kitchen cabinetry, granite counters, stainless appliances, fixtures, bath vanities, toilets, new tub & surround, pedestal sink, faucets, mirrors, light fixtures inside & out, new LVP flooring & carpet through house, new paint everywhere & new hardware. Close to I-75 at Exit 5, Gunbarrel Rd., Hamilton Place, 153, and the Airport Agent is part owner.

2307 Brookhaven Circle, Chattanooga

Listing courtesy of Set Apart Realty, LLC.

$425,000
3 Beds ⋅ 3 Baths ⋅ 1539930 MLS
OPEN HOUSE Friday from 4-6:00 & Sunday 1:00-3:00 Welcome to your private retreat just minutes from Downtown Chattanooga! Nestled on a peaceful cul-de-sac street surrounded by the beauty of the hills, this home offers the perfect blend of convenience, comfort, and privacy. The desirable master suite is located on the main level and features a spacious walk-in closet. The main floor showcases beautiful hardwood and tile flooring, creating a warm and inviting atmosphere throughout. The open-concept design features a stunning cathedral ceiling in the great room with a balcony overlook, adding to the home's spacious feel. Enjoy the peaceful outdoors from the heated & cooled sunroom, complete with built-in bookcases and access to the custom-built deck overlooking a private wooded backyard. The outdoor living space is Maintenance Free & perfect for entertaining or relaxing, featuring a custom built-in firepit with swings where you can gather with friends and family and stay cozy on cool evenings. From the welcoming front porch, take in peaceful western views toward Signal Mountain. Located only 6.5 miles from Downtown Chattanooga, this home offers the rare combination of quiet hillside living with easy access to dining, shopping, entertainment, and all the city has to offer. Roof is only 4-5 yrs old!

4510 Pink Heather Trail, Chattanooga

Listing courtesy of Zach Taylor - Chattanooga.

$278,500
3 Beds ⋅ 2 Baths ⋅ 1539923 MLS
Wonderful location offering the perfect blend of convenience and privacy. Ideally situated near popular restaurants, shopping and everyday amenities, This charming one-level home features three bedrooms and two bathrooms in a peaceful setting. The beautifully remodeled den is the heart of the home, showcasing a fireplace along with an electric insert that creates a warm and inviting space for relaxing or entertaining. Double-pane insulated vinyl windows were installed approximately 5-6 years enhance the home's energy efficiency and year-round comfort. The spacious eat-in kitchen features a double oven and French doors that open onto the back deck, providing the perfect setup for grilling, outdoor dining, or entertaining guests. Just off the kitchen, the conveniently located laundry room offers additional storage and pantry space. Step outside to enjoy the large fenced backyard and expansive deck-ideal for outdoor activities, gatherings, or simply unwinding in your own private retreat. A storage building provides space for lawn equipment, tools and other items that need protection from the elements. The sellers have also added a new drive-through driveway along with concrete steps leading down to the home, enhancing both accessibility and curb appeal. This home is currently zoned for highly rated Apison Elementary School, East Hamilton Middle School, and East Hamilton High School. Enjoy the convenience of nearby shopping, dining and everyday amenities while being tucked away from the hustle and bustle in a private setting. You'll also appreciate the benefit of low county taxes. Don't miss the opportunity to make this wonderful home your own. Schedule your private showing today!

2520 Standifer Hills Drive, Chattanooga

Listing courtesy of Coldwell Banker Pryor Realty.

$280,000
4 Beds ⋅ 2 Baths ⋅ 1539919 MLS
* MOTIVATED SELLER * NEW CONSTRUCTION * SELLER OFFERING FENCING INSTALLED WITH ACCEPTABLE OFFER -- Welcome to 918 Shallowford Rd--where modern comfort meets everyday convenience! This brand-new 4-bedroom, 2-bath ranch-style home offers 1,350 square feet of thoughtfully designed living space with a bright, open-concept layout perfect for both relaxing and entertaining. The seamless flow between the living, dining, and kitchen areas creates an inviting atmosphere with all new stainless-steel appliances and granite countertops, while the bedroom design and layout provides privacy and flexibility for families, guests, or even a home office. Step outside to enjoy the screened-in back porch--ideal for morning coffee or unwinding in the evenings without the bugs. There is also convenient parking in the back as well as the front. Conveniently located in Chattanooga, you'll love being just minutes from shopping, dining, and everyday essentials, making this home as practical as it is beautiful. Don't miss your opportunity to own a low-maintenance, move-in ready new construction in a prime location! **Buyer is responsible to verify any and all information deemed important. **House has been Virtually Staged and some items in pictures do not convey**

918 Shallowford Road, Chattanooga

Listing courtesy of Zach Taylor - Chattanooga.

$339,900
2 Beds ⋅ 2 Baths ⋅ 1539915 MLS
Freshly updated, beautifully distinctive, and impossible to duplicate, this is the kind of home that immediately stands apart. Recent improvements include a brand-new, 400-square-foot deck, new flooring in the two upstairs bedrooms, fresh interior paint in select areas, freshly painted patio, new garage-door lock, and the refrigerator, range, and dishwasher were purchased in 2025 as well as a recently renewed, transferable Choice Home Warranty that doesn't expire until next July 2027. The sun-filled main level feels remarkably open and inviting, pairing sleek mid-century modern influence with inspiring pops of color and architectural personality. It is a refreshing departure from the ordinary, stylish without sacrificing comfort and perfectly suited for both everyday living and entertaining. Step outside to the expansive new deck overlooking just over 0.4 acres, offering uncommon breathing room in a location celebrated for its exceptional convenience. Downstairs, a finished studio apartment with its own private entrance and separate driveway adds an entirely different level of flexibility. Create a secluded home office, primary or guest suite, multigenerational living space, creative studio, private retreat, or explore the potential for supplemental rental income. Homes with this combination of individuality, usable land, versatile living space, recent updates, and everyday accessibility rarely come together in one property. For the buyer unwilling to settle for everyday average, this one is a true original.

742 S Germantown Circle, Chattanooga

Listing courtesy of Zach Taylor - Chattanooga.

$267,900
3 Beds ⋅ 4 Baths ⋅ 1539899 MLS
Breathtaking Mountain Views, Oversized Garage & Everything's Included® in Asbury Oaks! Special Financing Incentives Available! Qualified buyers may receive $7,500 toward closing costs plus an interest rate buy-down opportunity that could lower monthly payments by hundreds of dollars. Ask for details! Welcome home to The Asbury at Asbury Oaks by Lennar, where modern comfort meets scenic mountain views and effortless one-level living. This thoughtfully designed home offers the perfect blend of style, functionality, and convenience--all in a beautiful setting you'll love coming home to. The popular Asbury floor plan features an inviting open-concept layout with spacious living areas, a well-appointed kitchen with a MASSIVE island, and a seamless flow that makes everyday living and entertaining easy. Enjoy your morning coffee while taking in the fabulous mountain views, or unwind in the evening surrounded by the peaceful beauty of your new neighborhood. A true standout feature is the oversized garage, providing exceptional space for larger vehicles, extra storage, hobbies, a workshop area, or all of your recreational gear. It's the kind of feature that makes daily life easier and adds long-term value to your home. And with Lennar's signature Everything's Included® package, you get the upgrades you want without the upgrade costs. Your new home comes complete with quartz countertops, stainless steel appliances including the refrigerator, washer and dryer, 2-inch blinds, smart home technology, and stylish designer finishes--all included from day one. Located in the desirable Asbury Oaks community, this home offers the perfect combination of peaceful mountain views and convenient access to shopping, dining, entertainment, and everything Chattanooga has to offer.

118 Asbury Oak Lane 118, Chattanooga

Listing courtesy of Zach Taylor - Chattanooga.

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