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

$239,900
2 Beds ⋅ 2 Baths ⋅ 1539886 MLS
Looking for the perfect place to call home? This charming two-bedroom, two-bathroom, one-level home is an excellent choice for first-time buyers, retirees, or anyone looking to downsize without sacrificing comfort or style. The thoughtfully designed layout maximizes space and functionality, making everyday living both easy and enjoyable. With its single-level floor plan, this home offers easy accessibility, ideal for those who prefer to avoid stairs or are planning for the future. Imagine starting your next chapter in a space that feels just right--where every room invites you to relax, entertain, and envision your future. The bright and airy living areas provide a welcoming atmosphere, while the well-appointed kitchen is perfect for preparing meals and gathering with loved ones. Both bedrooms offer ample closet space, and the two bathrooms are designed with convenience and comfort in mind. Located in a neighborhood with nearby amenities, this home provides the perfect balance of tranquility and accessibility. Call to schedule a private tour. Your perfect home is waiting!

1108 Everett Drive, Chattanooga

Listing courtesy of Keller Williams Realty.

$550,000
6 Beds ⋅ 3 Baths ⋅ 1539884 MLS
Welcome to 9100 Tennga Lane, a rare opportunity to own a spacious 6-bedroom home in the highly sought after Hurricane Creek community. With 6 bedrooms, 3 full baths, a dedicated office, and a large bonus room, this home offers the flexibility today's buyers are looking for whether that's working from home, hosting guests, or creating room for a growing family to spread out. Inside, you'll find a freshly updated interior featuring hardwood floors, new paint throughout, stylish barn-style sliding doors, and an open, functional layout built for everyday living and entertaining. The main-level primary suite adds everyday convenience, while oversized windows fill the home with natural light. The kitchen serves as the true centerpiece, with custom cabinetry, generous storage, and elevated finishes that flow seamlessly into the living area, anchored by a striking stacked-stone fireplace. Located just minutes from Gunbarrel Road, you'll have quick access to shopping, dining, and everyday conveniences, all while being zoned for West View Elementary and East Hamilton schools. Hurricane Creek also offers optional access to a neighborhood pool, tennis courts, and clubhouse, adding even more lifestyle value.

9100 Tennga Lane, Chattanooga

Listing courtesy of Real Estate Partners Chattanooga LLC.

$327,000
3 Beds ⋅ 3 Baths ⋅ 1539881 MLS
Welcome to 409 Lowell St, a beautifully maintained 3-bedroom, 2.5-bath home offering 1,884 square feet of comfortable living space in the highly convenient Red Bank area of Chattanooga. This move-in ready home features fresh interior paint, a functional floor plan, and numerous recent updates that provide peace of mind for years to come. The inviting living room features a cozy fireplace, creating the perfect space to relax or gather with family and friends. The home also offers a 2-car attached garage and a fenced-in backyard ideal for pets, entertaining, or enjoying the outdoors. Major improvements include a new roof installed in 2022, HVAC system replaced in 2024, septic tank replaced in 2025, and siding around the chimney updated in 2026. The retaining wall has also been professionally secured by AFS and includes a lifetime of the structure transferable warranty, providing added confidence for the next homeowner. Conveniently located just minutes from the popular North Shore area, downtown Chattanooga, shopping, dining, and outdoor recreation, this home offers the perfect combination of comfort, updates, and location. Whether you are looking for your first home, a place to grow, or a low-maintenance property close to everything Chattanooga has to offer, 409 Lowell St is a must-see!

409 Lowell Street, Chattanooga

Listing courtesy of BHHS Southern Routes Realty.

$485,000
4 Beds ⋅ 3 Baths ⋅ 1539866 MLS
Beautifully updated 4-bedroom, 2.5-bath brick home in the highly desirable Brandermill Estates! Conveniently located just minutes from Hamilton Place, shopping, restaurants, and interstate access, this move-in-ready home offers 2,279 square feet of thoughtfully updated living space. A dramatic two-story foyer welcomes you inside, where you'll find a home office, formal dining room, spacious living area, and a bright sunroom. The updated kitchen features granite countertops, newer stainless steel appliances, and a breakfast nook. The oversized fourth bedroom/bonus room offers two separate living spaces, providing endless flexibility for a playroom, media room, home gym, or guest suite. The primary suite includes a large garden tub and separate tiled shower. Recent updates include replacement windows, both HVAC units, attic insulation, a new 12' x 18' deck, LED lighting throughout, two beautiful bay windows, and extensive built-in shelving in the garage and pantry. Enjoy the level, private backyard complete with an outbuilding for additional storage. This well-maintained home combines quality updates, flexible living space, and an outstanding location--ready for its next owner!

8324 Grinder Creek Place, Chattanooga

Listing courtesy of EXP Realty, LLC.

$350,000
3 Beds ⋅ 3 Baths ⋅ 20263989 MLS
Welcome to 4825 Montcrest Drive! Nestled on a spacious, near-half-acre corner lot (0.49), this beautifully renovated 3-bedroom, 2.5-bath home offers modern comfort, practical features, and maximum value. This wonderful property features new floors, updated bathrooms, stainless steel appliances and so much more! Enjoy the best of city convenience without the city price tag--unincorporated county-only taxes keep your monthly mortgage payment significantly lower with space for a remarkably low price per square foot! Key Highlights: Flexible Lower Level: A generous, partially finished basement provides unbeatable versatility--ideal for a cozy den, expansive primary bedroom away from the upstairs bedrooms, home office, or media room, complete with a built-in surround sound system that stays with the home for the ultimate movie or game night setup. Garage & Storage Perks: The garage comes equipped with workshop cabinets that convey with the property, offering fantastic organized storage or a ready-to-go workspace. Outdoor Living: Enjoy warm evenings across two expansive back decks overlooking a fenced backyard with plenty of room to relax and entertain. Big-Ticket Peace of Mind: Rest easy knowing major systems are already updated, including a newer roof, gutters, AC, and heat pump. Prime Location: Minutes from a hidden gem of a boat ramp, State and Local parks, VW, Amazon, shopping, dining, and downtown Chattanooga--with the community pool located right across the street! Maximize your purchasing power with low county taxes and zero city tax! Home is listed well below nearby comps. Schedule your private showing today and make this turnkey retreat yours.

4825 Montcrest Drive, Chattanooga

Listing courtesy of KW Cleveland.

$729,000
3 Beds ⋅ 4 Baths ⋅ 1539852 MLS
Beautifully maintained, custom home with Anderson windows, oversized (24 X 33) garage with permanent stairs to storage area over it, and storage area in basement. Private setting on a wooded 1.37 acre cul-de-sac lot, large bedrooms, lots of hardwood, and a cathedral wood ceiling in the den. All this is only 10 minutes to downtown Chattanooga. Please note: Health department permit was for 3 bedrooms but the house was originally constructed as 4 bedrooms with one bedroom on the first floor.

605 Stonebrook Drive, Chattanooga

Listing courtesy of Keller Williams Realty.

$630,000
4 Beds ⋅ 4 Baths ⋅ 1539820 MLS
A nearly new home close to everything the Northshore has to offer, without the Northshore price tag. Mornings start with a coffee run to Whole Foods and evenings end with a sunset walk up Stringers Ridge. Step inside to an open, easy flowing layout with magazine worthy finishes throughout, immaculately maintained from top to bottom. The kitchen is the heart of it, quartz countertops, an oversized island, and a butler's bar that makes hosting feel effortless rather than staged. The dining room gives you the space to actually use it, and just off the living room, the first of two covered decks offers mountain views for slower evenings and good conversation. Upstairs, the primary suite delivers on every front, a spa-like bathroom, a freestanding tub, and a double shower built for unwinding after a long day. Downstairs, the fully finished basement is set up as the ultimate relaxing retreat, perfect for a cozy TV room or a quiet spot to unwind. Just a mile from Northshore's restaurants, shops, and green spaces, with easy access to all of downtown Chattanooga, this 2022 build offers the lifestyle that many are looking for.

617 Ladd Avenue, Chattanooga

Listing courtesy of REAL Broker.

$339,900
3 Beds ⋅ 3 Baths ⋅ 1539813 MLS
Come see the spacious Decorated model Henley floorplan by Parkside Builders featuring beautiful designer finishes and Spray foam insulation! Enjoy beautiful views of Lookout Mountain and historical Coosa Mill also known as Mill Town. Home may qualify for Incentive. Ask agent for details. Decorated model hours are Wednesday -Saturday 10-5 Sunday 12-5.

2431 Twill Place, Chattanooga

Listing courtesy of Parkside Realty.

$295,000
4 Beds ⋅ 2 Baths ⋅ 1539810 MLS
Duplex with immediate cash flow (both sides rented at 1300.00 per side). Located off Hwy 58 near Hwy 153. Offer and excellent opportuinty for investors or owner-occupants. Eash unit features 2 bedrooms, 1 bath plus laundry room off the kitchen. All appliances on both sides convey with the property. Off street parking both sides. No sign on property. Please do not disturb tenants.Buyers are encouraged to verify all information.

4072 Arbor Place Lane, Chattanooga

Listing courtesy of Chattanooga Real Estate Co.

$229,000
3 Beds ⋅ 1 Baths ⋅ 1539808 MLS
****Welcome to 120 Rees Ave!**** This charming 3-bedroom, 1-bath home offers plenty of potential and an opportunity to make the space your own. Inside, you'll find a built-in bookshelf adding character and an enclosed back porch offering additional usable space. Outside, enjoy a completely flat, fully fenced backyard along with a detached one-car garage that provides additional parking or storage. Whether you're looking for a home to make your own or a property with opportunities to add value over time, this one has plenty of possibilities. Conveniently located with interstate access approximately five minutes away and within a short 10 minute drive of the desirable Hamilton Place Mall and restaurants or downtown Chattanooga. Schedule your private showing today and come see the potential before it slips away!

120 Rees Avenue, Chattanooga

Listing courtesy of Uptown Firm, LLC.

$365,000
3 Beds ⋅ 2 Baths ⋅ 1539804 MLS
Discover a new standard of maintenance-free living at The Flats at Mill Town, where beautifully designed, single-story one, two, and three-bedroom residences are complemented by resort-style amenities, including a community pool, dog parks, abundant green space, scenic walking trails, and easy access to a nearby pickleball facility--all within one of Chattanooga's most exciting new communities. This three-bedroom Flat is the crown jewel. A one-level home that lives like a penthouse, it delivers the kind of space, light, and ease typically reserved for high-end top-floor living--without the stairs, without the compromises, and without anything else like it in Chattanooga. From the moment you step inside, ceilings soaring over 10 feet and wall after wall of windows create an immediate sense of volume and calm. Natural light pours into every corner, giving the entire home an open, expansive, almost weightless feel. The oversized living space is both striking and inviting--perfect for hosting, relaxing, and everything in between. The kitchen anchors the home with style and function, flowing seamlessly into the main living area so everything stays connected. And here, luxury isn't an upgrade--it's the baseline. Quartz countertops, LVP flooring throughout, high-end finishes, and even the refrigerator all come standard--making this home truly, truly turn-key from day one. All three bedrooms are generously sized--no afterthoughts, no compromises--offering real comfort, flexibility, and privacy. And what truly sets this layout apart is the connection to the outdoors--two of the bedrooms feature their own private covered patios or balconies, creating rare, personal outdoor retreats that elevate everyday living in a way few homes can. Step outside and you'll also find a massive main covered patio that extends your living space beautifully--perfect for entertaining, unwinding, or simply enjoying a quiet moment. With multiple outdoor living areas, this home delivers the kind of indoor-outdoor lifestyle that's incredibly hard to find in new construction.

1792 S Watkins Street 305, Chattanooga

Listing courtesy of Rogue Real Estate Company llc.

$382,000
4 Beds ⋅ 3 Baths ⋅ 1539801 MLS
CONSTRUCTION JUST COMPLETED July 30th! Welcome to The Summit, a thoughtfully designed 4-bedroom, 2.5-bath custom home offering approximately 1,725 square feet of modern living in an unbeatable location. Perfectly situated directly across from Brown Acres Golf Course, this home offers beautiful golf course views from the private primary suite, and office/4th bedroom. The spacious primary retreat features a cozy fireplace, creating the perfect place to relax while overlooking the fairways. The open-concept floor plan is centered around a stunning living room with a large statement fireplace and flows seamlessly into an oversized kitchen designed for entertaining, complete with generous cabinetry, abundant counter space, and a large island. Modern custom finishes are showcased throughout the interior and exterior, including designer lighting, premium flooring, stylish fixtures, and carefully selected architectural details that give The Summit a clean, contemporary feel. Step outside to enjoy the expansive covered back deck, ideal for morning coffee, outdoor dining, or entertaining year-round. Conveniently located near shopping, dining, schools, and major highways, The Summit at 503 Brown Rd offers the perfect blend of luxury, comfort, and everyday convenience--all with one of Chattanooga's premier golf courses right across the street.

503 Brown Road, Chattanooga

Listing courtesy of Real Estate 9, LLC.

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