The Pratt Blog

Pratt LOVES Their Veterans: Your Path to a New Home Starts Here

Wooden shelves displaying military flag cases and a framed photo, associated with Pratt Home Builders in Chattanooga TN.

May 4, 2026

by Jen Martin

At Pratt Home Builders, we believe that finding the right new home should be an exciting and rewarding experience. For those who have served our country, it should also come with added appreciation, support, and opportunity. That is why Veteran Housing is not just a program to us. It is a priority!

Breaking the VA Loan Myth

There is a long-standing stigma in some real estate circles that VA loan offers are weaker or more difficult than conventional loans. Common concerns include stricter appraisal requirements or assumptions about buyer qualifications.

“Sadly, there is a fear that exists in some real estate circles that a VA offer is harder or weaker than its conventional counterpart. Specific fears include higher property appraisal scrutiny and less qualified buyers.”

Bruce Seigel, Mortgage Broker at The Lending Collective
Smiling gentleman in a checkered shirt, labeled as a mortgage advisor in Chattanooga, TN. Relevant to Pratt Home Builders in Chattanooga TN.

The reality tells a very different story.

“The reality is that Pratt homes are built to exceed VA appraisal requirements. Also, the typical Veteran is often a stronger buyer and the VA loan program is in many ways more lenient compared to a conventional loan.”
Bruce Seigel, Mortgage Broker at The Lending Collective
Woman walking past a home with a U.S. flag, number 9222 visible. Front porch has autumn decor. Built by Pratt Home Builders in Chattanooga TN.
Why Veteran’s Housing Matters at Pratt

At Pratt Home Builders, we see Veterans for who they are: individuals who made personal sacrifices to protect our country. That deserves more than recognition. It deserves action!

“Pratt Home Builders considers Veterans to be special people that chose to make a personal sacrifice for their country and therefore deserve the best we can offer in return.”

Bruce Seigel, Mortgage Broker at The Lending Collective

That is why we offer additional incentives specifically for Veterans, on top of any existing buyer incentives available on a new home for sale. It is our way of saying thank you in a meaningful and tangible way.

“We also have a preferred lender that specializes in VA and is passionate about making sure that the VA loan they end up with fits their needs precisely.”

Bruce Seigel, Mortgage Broker at The Lending Collective
Two-story white house with wood accents, brick details, large garage, designed by Pratt Home Builders in Chattanooga TN.
Benefits You May Not Know About

Many Veterans and their families are surprised to learn just how many advantages come with VA loan eligibility:

  • Veterans with 10 percent or more VA disability are exempt from the VA funding fee, which can save thousands of dollars
  • It may be possible to have more than one VA loan at a time, depending on eligibility
  • Surviving spouses of Veterans often qualify for VA loan benefits
  • Veterans with 100 percent disability may qualify for reduced or even eliminated property taxes in Tennessee and Georgia

These benefits can make a major difference when purchasing a new home for sale, especially in today’s market.

Our Commitment to You

At Pratt, Veteran Housing is about more than just programs and incentives. It is about honoring your service by helping you find a place to call home.

“Veterans: You have defended our homeland, now it is our turn and honor to get you HOME.”

Bruce Seigel, Mortgage Broker at The Lending Collective

If you are a Veteran or a surviving spouse considering your next move, we would be honored to help you find the perfect Pratt home. Start your journey at PrattLiving.com or call 423-600-5997.

Bruce Seigel can be reached directly at 916-580-7173 for VA loan eligibility, preapproval and pricing (or email him directly at bruce@tlcco.com).

Person holding a folded American flag, standing indoors, symbolizing patriotism. Pratt Home Builders in Chattanooga TN.

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