Can You Use a VA Loan to Buy New Construction in Clarksville, TN?

If you're a military family getting ready to PCS to Fort Campbell, or you're already stationed here and thinking about buying a home, I hear this question all the time: "Can I use my VA loan to buy new construction?"

The short answer? Absolutely, yes!

But here's what surprises most people: it's actually a lot simpler than you might think. Let me clear up some confusion and show you why new construction with a VA loan might be one of the smartest moves you can make in Clarksville.

Here's the confusion I see most often: Many military buyers think they need something called a "construction loan" to buy a newly built home. They picture a complicated process with multiple loans, builder financing, and a lot of red tape.

But here's the truth: When you're buying new construction from a builder in Clarksville, you're not actually "constructing" the home yourself. The builder handles all of that. You're simply:

That's it! You use your VA loan just like you would if you were buying an existing home. No construction loan required. No complicated financing gymnastics. The builder does the building, and you close when it's done.

If you've heard horror stories about builders not accepting VA loans, I've got great news for you: Every builder in the Clarksville area works well with VA loans.

Why? Because we're a military town! Fort Campbell is the lifeblood of our community, and builders here understand the VA loan process inside and out. They know:

You won't be treated like a second-class buyer here. In fact, many builders in Clarksville actively market to military families because they know you're some of the most reliable buyers in the market.

Now, let me tell you about something happening RIGHT NOW that makes using your VA loan for new construction even more attractive.

One of our builders is offering $35,000 in concessions at Sterling Acre Farms, a beautiful community zoned for the highly sought-after Kirkwood School District.

Let that sink in for a moment. Thirty-five thousand dollars.

But here's where it gets even better: I'm currently working with a local lender who specializes in VA loans and knows exactly how to structure these builder concessions to maximize your benefit. With that $35,000 from the builder, this lender can:

To put that in perspective: On a $350,000 home, the difference between a 6.5% interest rate and a 4.375% rate is about $450 per month. That's $5,400 per year back in your pocket.

Want to know more about this deal? Contact me directly and I'll connect you with the lender and get you all the details on Sterling Acre Farms. This type of opportunity doesn't last forever.

Let me walk you through what actually happens when you use your VA loan to buy new construction in Clarksville:

Step 1: Get Pre-Approved
Work with a lender who understands VA loans (I can recommend several great ones). Getting pre-approved shows builders you're a serious buyer.

Step 2: Choose Your Community and Lot
Tour new construction communities with me. We'll look at locations, school zones, commute times to Fort Campbell, and community amenities.

Step 3: Select Your Floor Plan and Options
The builder will show you available floor plans. You'll visit the design center to choose your finishes, upgrades, and customizations.

Step 4: Sign the Contract
This is where having a buyer's agent (that's me!) really matters. I'll review the contract, negotiate on your behalf, and make sure your interests are protected.

Step 5: Construction Phase
The builder constructs your home (typically 4-6 months in this area). You'll have opportunities for walk-throughs at key milestones.

Step 6: VA Appraisal
Near completion, the VA will appraise your new home. Since it's new construction built to current codes, this typically goes smoothly.

Step 7: Final Walk-Through and Closing
You'll do a final walk-through, and then close on your new home with your VA loan—just like any other home purchase.

Why choose new construction with your VA loan? Here are the advantages I see military families enjoy:

Zero Down Payment - With your VA loan, you can buy that brand new home with $0 down (if you qualify)

No PMI - Unlike conventional loans, you won't pay private mortgage insurance

Everything is Brand New - New roof, new HVAC, new appliances, new everything. Lower maintenance costs for years.

Builder Warranties - Most builders offer a 1-year warranty on workmanship and a 10-year structural warranty

Energy Efficiency - New homes are built to current energy codes, meaning lower utility bills

Customize to Your Taste - Choose your colors, finishes, and upgrades from the start

Move-In Ready - No repairs, no renovations, no surprises

Here's something many military buyers don't realize: Most builders in Clarksville are willing to pay your agent's compensation, saving you that cost. This means you can have professional representation on your side without it coming out of your pocket.

But having me on your side means:

I work with military families on both new construction AND existing homes, so I can help you explore all your options and find what truly fits your needs and budget.

Using your VA loan to buy new construction in Clarksville is not only possible—it's an incredible opportunity, especially with current builder incentives and the strong military-friendly market we have here.

Whether you're PCSing to Fort Campbell soon or you're ready to stop renting and start building equity, I'd love to show you what's available right now.

Let's talk about your options. Contact me today, and I'll show you current new construction communities, explain builder incentives, and connect you with VA-experienced lenders who can get you the best possible deal.

And remember: even if new construction isn't the right fit, I also help buyers find amazing existing homes throughout the Clarksville area. Whatever you're looking for, I'm here to help you find it.