⭐ Travis Egan, NMLS # 655284 - Local VA Mortgage Specialist

Fort Campbell & Clarksville VA Loans for Active-Duty & Veterans

You served us. Now let Travis Egan, VA Mortgage Vet, serve you. Specializing in PCS relocations, 0% down VA purchase loans, and fast approvals for Fort Campbell soldiers and active military families

Get Pre-Approved for PCS Move

$0 Down Payment Options

Fast PCS Approval Times

Marine Corps Veteran

Already Own? Check Your VA IRRRL Refinance Savings

We Don't Sleep Until The Mission Is Complete

A Marine Veteran Serving Military Families

Travis Egan (NMLS # 655284) is a Marine Corps veteran with over 30 years of mortgage experience helping active-duty military families, veterans, and local homebuyers achieve homeownership. As a dedicated VA loan specialist in Clarksville, TN, Travis knows the VA home loan process inside and out because he lived the military life it was built for.

Based in Clarksville and serving the Fort Campbell, KY community, Travis combines deep local real estate market knowledge with Loan Factory's (NMLS # 320841) lending power. Whether you are navigating a PCS move, buying your first home with $0 down, or refinancing with a VA IRRRL, you get clear guidance, competitive mortgage rates, and an approval process that moves at mission speed.

The Simple 3-Step VA Loan Process for

Fort Campbell & Clarksville

Whether you are PCSing on short notice or refinancing locally,

here is how we get your VA home loan closed fast and on schedule.

Mortgage Pre-Approval

& COE Verification

Submit your application online in minutes. We verify your VA Certificate of Eligibility (COE) and issue a hard-hitting pre-approval letter so you know your exact purchasing power.

House Shopping

Near Fort Campbell

Partner with top military-relocation agents to tour homes in Clarksville, Oak Grove, or near base gates, structure competitive VA offers, and negotiate seller-paid closing costs.

On-Time Closing

at Mission Speed

We fast-track your VA loan underwriting to lock in low rates and ensure on-time closing—getting you into your new home on schedule without military PCS stress.

Start Your VA Pre-Approval Now

Don't take my word for it - Read Client Reviews

Mortgage Programs for Clarksville & Fort Campbell Homebuyers

Tailored loan solutions designed for active-duty military, veterans, and local Tennessee and Kentucky families.

Home Loan Options

As a local mortgage specialist serving Clarksville and Fort Campbell, Travis Egan will guide you through the ideal loan program for your PCS move, home purchase, or refinance.

VA Purchase & IRRRL Refinance ($0 Down)

Conventional Loans for Military & Civilian Buyers

FHA Home Loans (Low Down Payment)

USDA Rural Development Home Loans

Specialty Home Loans for Investors & Self Employed

Frequently Asked Questions

Do I really need $0 down?

Yes. With full entitlement, a VA purchase loan can finance 100% of the price, so you don't need a down payment. You will still have some closing costs, but the down payment itself can be zero. A down payment is optional and can lower your funding fee.

What is a Certificate of Eligibility and how do I get one?

The COE is the document that proves to a lender that you qualify for a VA loan based on your service. You do not have to hunt it down. In most cases, Travis can pull your COE electronically in a few minutes once he has your basic service information.

What is the funding fee, and am I exempt?

It is a one-time fee that replaces monthly mortgage insurance and keeps the VA program funded. For a first-time purchase with no down payment, it is 2.15% of the loan in 2026. If you receive VA disability compensation, are a Purple Heart recipient on active duty, or are an eligible surviving spouse, you are exempt and pay $0. You can also roll the fee into your loan.

Is there PMI on a VA loan?

No, never. VA loans have no monthly private mortgage insurance, no matter how little you put down. That alone can save you hundreds of dollars a month compared to a conventional or FHA loan.

Can I use my VA benefit more than once?

Yes. The VA loan is a reusable benefit. When you sell your home or pay off the loan, your entitlement is restored, and you can use it again. In some cases, you can even have more than one VA loan at a time. Travis will walk you through your entitlement.

What credit score do I need?

The VA itself sets no minimum credit score. Lenders set their own guidelines, and VA loans are generally more forgiving than conventional loans. Even if your credit isn't perfect, it is worth a conversation before you assume you do not qualify.

Are there VA loan limits in a market like Clarksville, TN, or Fort Campbell?

If you have full entitlement, there is no VA loan limit. That matters in the Central Tennessee market, where a strong VA buyer can compete for the home they actually want without a cap holding them back.

Can I get a VA loan after bankruptcy or foreclosure?

Often, yes. VA guidelines include waiting periods after a bankruptcy or foreclosure that are usually shorter than conventional requirements. Once enough time has passed and your credit has recovered, your benefit remains. Ask Travis where you stand.

How long does a VA loan take to close?

A VA purchase typically closes in a timeframe similar to a conventional loan, often around 30 to 45 days, depending on the appraisal and your file. A VA IRRRL streamline refinance can move much faster. Travis keeps you posted at every stage.