Chattanooga Homes with VA Loan Financing available

Chattanooga Homes with VA Loan Financing available

Welcome to Chattanooga, Tennessee – a vibrant city nestled in the heart of Hamilton County, known for its stunning natural beauty and rich cultural heritage. Surrounded by the picturesque Appalachian Mountains and the sparkling Tennessee River, Chattanooga offers a unique blend of outdoor adventure and urban sophistication. With its mild climate, residents enjoy year-round access to hiking, biking, and water activities, making it an ideal location for nature enthusiasts.

Chattanooga is not just about breathtaking landscapes; it boasts a thriving arts scene, a bustling downtown, and an array of dining options that cater to every palate. From the iconic Tennessee Aquarium to the historic Walnut Street Bridge, this city is packed with attractions that celebrate its heritage while embracing modernity. Families will appreciate the excellent schools and community-oriented neighborhoods, making it a welcoming place to call home.

For those considering a move to this charming city, we are excited to share that many homes in Chattanooga are eligible for VA loan financing. This means that veterans and active military members can take advantage of favorable loan terms, making homeownership more accessible. Whether you’re looking for a cozy bungalow, a spacious family home, or a trendy downtown loft, there’s a perfect property waiting for you in Chattanooga.

Explore the possibilities of living in this dynamic city where southern hospitality meets a progressive spirit. With the support of VA loan options, your dream home in Chattanooga is closer than you think. Let us help you embark on this exciting journey today!

Newest Chattanooga Homes with VA Loan Financing available

7321 Majestic Hill Drive, Chattanooga
$468,000
5 Beds ⋅ 3 Baths ⋅ 1545117 MLS
This beautifully situated home offers mountain views with stunning sunsets and prime location with quick and easy interstate access. Perched atop a hill at the highest point of the neighborhood, this fabulous home feels like it's own private oasis. If you love quiet seclusion but also convenience and proximity to town, this is the house for you! 7321 Majestic Hill Dr is a 5 bedroom, 3 bathroom home making it the perfect home for just about anyone. Are you a large family that needs space? CHECK! Are your a multi-generational family that needs bedrooms/bathrooms on both floors for easy access and privacy? CHECK! Do you need space to entertain and host? CHECK! This home offers 2 bedrooms and 2 full bathrooms on the main level, one of which is a spacious primary suite, and 3 additional bedrooms and one full bathroom on the second floor. With real and original hardwoods throughout, abundant natural light, and modern kitchen and bathroom finishes, this house requires little to no effort to make this your very own dream home. Updates include: New water heater (May 2026), new HVAC units with transferrable warranties (upstairs replaced 2025, downstairs Jan. 2026), osmosis air purifier systems added to both HAVC units, new refrigerator in 2024, and new interior paint and kitchen updates in 2022. The seller has maintained a regular ongoing maintenance contract with Patriot Services that has covered plumbing and HVAC, so you can have peace of mind that this home has been well cared for. Schedule a tour and come see for yourself!

7321 Majestic Hill Drive, Chattanooga
3938 Azalean Drive, Chattanooga
$325,000
3 Beds ⋅ 2 Baths ⋅ 1545100 MLS
Welcome to this Move-in ready, One Level home in desirable Fairfax Heights! Features include Beautiful hardwood floors, 2 large picture windows in the living room, Oversized eat-in kitchen with loads of cabinets/countertop space and New refrigerator, range, microwave, washer/ dryer and dishwasher remaining plus a newly added laundry area/pantry. 3 spacious bedrooms and 1 1/2 updated bathrooms. You'll love to relax on your recently painted and newly screened back porch overlooking the gorgeous, park-like backyard, full of blooming trees and native flowers. The fully fenced back yard with side gate and huge covered patio area is great for entertaining, pets and kids. There is also a storage area under the kitchen for lawn equipment, etc. Great curb appeal with a covered front porch, level yard, circular driveway, one car garage, and attached carport. The homes exterior was painted in 2024 and interior in 2023 plus Double pane insulated windows throughout. A solar energy system was installed allowing power to be fed into the EPB grid allowing for little or no electric bills and get paid for surplus energy not used! Perfect location and just a few minutes to Downtown Chattanooga, Hixson, Red Bank, shopping, restaurants, hospitals, airport and interstate!

3938 Azalean Drive, Chattanooga
2841 Fernleaf Lane, Chattanooga
$439,900
4 Beds ⋅ 3 Baths ⋅ 1545099 MLS
Character you can feel, with room to settle in. Located in The Arbors, 2841 Fernleaf Lane pairs inviting architectural details with thoughtful improvements. Dining room paneling adds texture and charm, while a beautiful brick fireplace with substantial mantel creates a welcoming focal point for cozy evenings and everyday gatherings. With four bedrooms and three full bathrooms, the home offers flexibility for guests, a home office, or simply a little more space to spread out. Completed in July 2026, the permitted upstairs renovation adds a bedroom, full bathroom, and dedicated heating and cooling, bringing fresh versatility to the layout. Fresh interior paint gives the home a clean, current feel while preserving its distinctive personality. Additional improvements include a new main-level HVAC unit installed in November 2024 and a crawlspace sump pump installed in 2024. The washer and dryer remain, including a washer purchased in August 2026. Conveniently located in Chattanooga and zoned for Bess T. Shepherd Elementary, Tyner Middle Academy, and Tyner Academy, this home brings together generous space, thoughtful updates, and the warm details that make a house memorable.

2841 Fernleaf Lane, Chattanooga
3122 River Gorge Drive 959, Chattanooga
$1,095,000
4 Beds ⋅ 4 Baths ⋅ 1545094 MLS
Luxury Mountain Living in Black Creek Golf Community!! Experience elevated luxury living at the top of the mountain in Chattanooga's highly sought-after Black Creek Golf Community! Surrounded by gorgeous mountain views and breathtaking natural beauty, this exceptional 4-bedroom home with a spacious bonus room offers a remarkable combination of timeless architecture, sophisticated finishes, and thoughtfully designed living spaces. From the moment you enter the welcoming foyer, you'll appreciate the attention to detail, beautiful hardwood flooring, and abundance of natural light that fills this stunning home. Expansive windows create a bright, inviting atmosphere while bringing the beauty of the surrounding mountain setting indoors. Designed for both elegant entertaining and comfortable everyday living, the heart of the home features a magnificent Great Room that flows seamlessly into the gourmet kitchen and dining areas. The chef-inspired kitchen is a true showpiece, featuring luxurious quartz countertops, an oversized island, premium Monogram stainless steel gas appliances, a farmhouse sink, pot filler, custom cabinetry, and beautiful designer finishes. Whether preparing a quiet family dinner or entertaining guests, this exceptional kitchen is sure to impress. The main-level Primary Suite offers a private retreat designed for relaxation and comfort. The spacious bedroom is complemented by a luxurious spa-inspired bathroom featuring a freestanding soaking tub, beautifully tiled shower, dual vanities, elegant finishes, and a generous walk-in closet. Every detail has been thoughtfully selected to create a peaceful sanctuary. Also on the main level, you'll discover a private study, perfect for a home office or quiet retreat, along with a spacious dining room, convenient powder room, laundry room, walk-in pantry, and mudroom. Beautiful hardwood flooring extends throughout the main living areas, adding warmth and sophistication to the home's elegant interior. Upstairs, three additional bedrooms provide comfortable accommodations for family and guests, while the spacious bonus room offers endless possibilities for a media room, game room, second family room, or private entertainment space. Hardwood flooring continues throughout the upstairs hallway and bonus room, creating a beautiful transition between living spaces. Outdoor living is equally impressive! Enjoy the covered outdoor living area, ideal for relaxing, entertaining, or simply enjoying the peaceful mountain surroundings. An additional covered upper-level porch provides another inviting space to take in the beautiful setting and fresh mountain air. Completing this exceptional home is a spacious three-car garage, offering generous room for vehicles, storage, and everyday convenience. Located within the prestigious Black Creek Golf Community, this home offers the perfect balance of luxury, natural beauty, and an extraordinary mountain lifestyle. Enjoy the charm of this beautiful community while remaining conveniently located to downtown Chattanooga, shopping, dining, and entertainment. This is more than just a beautiful home -- it's an opportunity to experience luxury mountain living at its finest. From the exquisite interior finishes to the gorgeous views and exceptional setting, every detail creates a home you'll be proud to call your own.** Welcome home to Black Creek, where luxury meets mountain living!

3122 River Gorge Drive 959, Chattanooga
1140 Cityscape View, Chattanooga
$530,000
3 Beds ⋅ 3 Baths ⋅ 1544890 MLS
Welcome to Northwind, one of North Chattanooga's most desirable scenic communities, where natural beauty meets convenience! Nestled along a peaceful ridgeline just minutes from downtown Chattanooga, this beautiful River floor plan offers wooded views, privacy, and a spacious open-concept design perfect for everyday living and entertaining. The main living area flows seamlessly into the kitchen and dining spaces, creating an inviting atmosphere for gathering with family and friends. The kitchen also includes a refrigerator added by the current owner. Upstairs, you'll find a versatile flex/bonus room, two generously sized guest bedrooms, a full guest bathroom, and a conveniently located full-size laundry room. The spacious primary suite is tucked away at the rear of the home, offering peaceful morning views, a private bath, and a walk-in closet. Step outside and enjoy the upgraded back patio featuring an adjustable cover that opens and closes, allowing you to enjoy the outdoor space with the flexibility of sun or shade. The current owner has also made garage upgrades for additional storage, adding even more functionality to the home. Northwind offers charming lamp-lit sidewalks, community gathering spaces, and a wooded ridgeline trail, all while being just minutes from North Chattanooga's popular restaurants, shopping, and downtown attractions. Enjoy the perfect combination of modern comfort, natural surroundings, and an unbeatable location. Schedule your private showing today!

1140 Cityscape View, Chattanooga
135 Everly Drive, Chattanooga
$469,000
3 Beds ⋅ 3 Baths ⋅ 1545083 MLS
Welcome to 135 Everly Dr. A beautifully finished newer construction home located within walking distance to your favorite Red Bank restaurants and shopping! This home has many upgrades including beautiful plantation shutters, hardwood floors in primary suite, Kitchenaid refrigerator, a bar center in the mudroom perfect for a wine or beverage fridge, a large walk-in pantry, a deck extension for grilling, a paver patio in the yard for an extra play space and recently refreshed interior paint throughout. This dead-end street is a blast! Enjoy the evenings with neighbors hosting trivia nights, bonfires and outdoor movies!

135 Everly Drive, Chattanooga
3906 Sells Drive, Chattanooga
$349,000
3 Beds ⋅ 2 Baths ⋅ 1545074 MLS
Centrally located to downtown or East Brainerd, this adorable single-level cottage is move in ready! Natural light floods into the home where you find specialty accent walls, built-in features, and a living room as well as a den with a wood burning fireplace to snuggle on those cold winter nights. The kitchen features stainless appliances, stone countertops, soft close cabinets and room for a coffee bar or breakfast nook. Just off the kitchen is a wonderful deck for grilling or just relaxing - providing a calming treehouse feeling. The formal dining room just off the kitchen is just perfect for hosting friends and family. The home is updated throughout with luxury vinyl plank, fixtures, a beautiful walk in tile shower in the primary suite and a guest bath with stunning tile surrounding the tub. The exterior features a second deck and side entrance, low maintenance siding, a fenced backyard and a shed for extra storage, garden equipment or tools. Make your appointment today to see this one! Buyers to verify all information they deem important including square footage and school zones.

3906 Sells Drive, Chattanooga
2456 Waterhaven Drive, Chattanooga
$520,000
4 Beds ⋅ 3 Baths ⋅ 1545067 MLS
A Little Slice of Mayberry-Welcome Home! Imagine a neighborhood where life feels a little simpler, friendships run deep, and childhood looks just like it did in the good old days. Kids ride their bicycles through the streets, shoot hoops with their friends, and spend afternoons fishing in the neighborhood stock pond. When Halloween rolls around, the kids don't want to trick or treat anywhere else because there's simply no place like HOME! Tucked inside a gated community that offers privacy, security, and a true sense of belonging, this is the kind of neighborhood where friends and memories are made to last a lifetime. The lifestyle doesn't stop there either! Enjoy a community packed with amenities, including a playground, swimming pool, hiking trails, a walking track, RV and camper storage, a boat launch and a dock for enjoying all kinds of water activities. Whether you're looking for outdoor adventures, family fun or a peaceful place to unwind, there's something here for everyone. Step inside this beautiful home and discover an inviting open floor plan that brings the main living and kitchen together creating the perfect space for family or entertaining. High ceilings add an airy, spacious feel, while four bedrooms and three full bathrooms provide plenty of room for all. A huge bonus room upstairs offers endless possibilities. Enjoy your mornings on the covered porch or relax in the evening on the screened in back porch. The fenced backyard offers a wonderful space for kids and pets to play, while the two-car garage provides convenient parking, ease for carrying in groceries and ample storage. This place is way more than a house...this is the place to put down roots and enjoy the kind of community people dream about. If you've been searching for that old fashioned Mayberry feeling, where kids can be kids and a neighborhood that is a community then this may very well be the place you'll be proud to call HOME!

2456 Waterhaven Drive, Chattanooga
403 S Lyerly Street, Chattanooga
$299,700
3 Beds ⋅ 2 Baths ⋅ 1545068 MLS
Beautifully renovated and completely move-in ready! This charming 3-bedroom, 2-bath home in the Ridgedale/Highland Park area combines the character of an established Chattanooga neighborhood with the comfort, style, and convenience of modern living. Step inside from the inviting covered front porch to discover a bright, spacious, open-concept floor plan featuring tall ceilings, abundant natural light, and stylish contemporary lighting throughout. The kitchen is a standout feature, offering white shaker cabinetry, beautiful granite countertops, stainless steel appliances, and a generous island. Flowing seamlessly into the main living area, this welcoming space is perfect for everyday living and entertaining. Both full bathrooms have been beautifully renovated with modern vanities, stylish tilework, and updated fixtures. The home also offers a versatile bonus room, ideal for a home office, cozy den, creative space, or playroom. Outside, the spacious covered front porch provides the perfect setting for morning coffee or relaxing evenings, while the home's classic architectural details add timeless curb appeal. Conveniently located near Parkridge Medical Center and CHI Memorial Hospital, and just minutes from downtown Chattanooga, Southside, Main Street, UTC, local restaurants, shopping, and interstate access. Historic character, modern finishes, flexible living spaces, and an unbeatable central location. There's nothing left to do but move in and enjoy!

403 S Lyerly Street, Chattanooga
4844 Pawnee Trail, Chattanooga
$299,900
3 Beds ⋅ 2 Baths ⋅ 1545063 MLS
Some homes you simply live in. This one, you grow in. This 3 bedroom, 2 bath gem is where the lessons of homeownership come alive: morning light pouring through the windows, a kitchen that opens generously into dining and living spaces made for laughter, leftovers, and lingering conversations. *BRAND NEW HVAC SYSTEM INSTALLED JULY 2026* It's where you discover that a house isn't just a place to sleep -- it's where memories take root and connections deepen. Inside, you'll find a freshly painted interior that feels crisp, bright, and ready for your touch. Step outside to a beautifully landscaped lawn and a fenced-in backyard, perfect for pets, play, or quiet evenings under the stars. And the location? Minutes from schools, shopping, downtown, and the interstate -- close enough for convenience, peaceful enough to call your own retreat. This home is move-in ready and waiting for its next story. The only question left is: what will yours be? Schedule your private showing today -- because the best chapters always start with a single open door.

4844 Pawnee Trail, Chattanooga
212 Delmont Street, Chattanooga
$1,295,000
4 Beds ⋅ 5 Baths ⋅ 1545060 MLS
Summit Construction has established itself as one of Chattanooga's coveted boutique North Shore builders, refining urban living through clean architectural lines, premium finishes, and a grounded approach to creating homes that are as comfortable as they are well executed. This latest offering reflects that philosophy beautifully, pairing the timeless appeal of a traditional family home with the convenience and walkability that make the North Shore so desirable. Nearing completion, this custom-designed four-bedroom, four-full-bath home with a powder room offers almost 3,500 square feet across three levels, all within the coveted Normal Park school district and just minutes from Riverview Park, the Tennessee River, and unlimited boutique shopping, dining, and events. An option for elevator reinforces effortless living. Andersen windows flood the home with natural light, frame seasonal winter views, and support energy efficiency and a low-maintenance lifestyle. Quality craftsmanship is evident with furniture-grade cabinetry and custom built-ins creating a refined backdrop for everyday family life. Inside, a private foyer offers a gracious introduction before opening into the home's central gathering spaces. The great room, anchored by a central stone gas fireplace is easily enjoyed from the kitchen and the upper covered deck establishing an inviting setting for both everyday moments and entertaining. Protected from the elements, the two covered porches become a comfortable spot for morning coffee, casual meals, or an unhurried evening outdoors. That continuity extends to the back yard with further potential for a pool, the homesite was drawn and developed with foresight for impressive additional outdoor living, including a terraced green space, pool and open decking. The primary suite is quietly removed from the main gathering areas for a comfortable retreat at the end of the day. Two additional bedrooms and two full bathrooms on the upper level accommodate family members and guests with a fourth bedroom, bonus room and fourth full bath found on the lower level, this adaptable layout allows flexibility for a playroom, media room, or secondary living area as needs evolve. A large two-car garage and abundant storage space to include unfinished square footage in the basement make the home utterly livable. Traditional character, well-appointed interiors, and a practical three-level layout come together in a residence that feels polished yet approachable. North Shore lifestyle, Riverview Park, the Tennessee Riverfront, highly regarded Normal Park schools, and a reputation built on thoughtful design, quality craftsmanship, and enduring materials, Summit Construction has brought its signature approach to this nearly completed North Shore home. Thoughtful Northshore Living Home. No Place Like It.

212 Delmont Street, Chattanooga
1301 Market Street 106, Chattanooga
$420,000
1 Beds ⋅ 1 Baths ⋅ 1545059 MLS
Street Lofts combines historic architectural charm with modern updates in Chattanooga's vibrant Southside district. Featuring soaring 12-foot ceilings, original exposed brick walls, and expansive industrial windows, the residence offers abundant natural light and distinctive character throughout. The open floor plan features an updated kitchen and custom bar with leathered marble countertops, ample cabinetry, accent lighting, Maytag stainless steel appliances, and a wine cooler. Additional features include hardwood flooring, updated lighting, and custom blackout curtains with soundproofing. Spacious living, dining, and media areas provide flexibility for everyday living and entertaining. The primary bedroom offers a spacious wall closet with shelving, while the bathroom features a walk-in shower and Toto bidet. Currently configured as a one-bedroom, the floor plan offers the potential for conversion to a two-bedroom layout. Conveniently situated near the mailroom, elevator, Market Street entrance, and large parking lot entrance, this unit provides easy access to building amenities. Residents also enjoy a private rooftop deck featuring grilling facilities, shaded seating, and views of downtown Chattanooga and the surrounding mountains. Just steps from the Chattanooga Choo Choo, Station Street, restaurants, coffee shops, and entertainment, this property offers an exceptional Southside location. The building recently completed a full roof replacement, paid for in cash. Schedule your private showing today to experience this unique downtown loft. Owner/Agent

1301 Market Street 106, Chattanooga
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