Home / Millington VA & Mortgage Loan Officer
Millington · Shelby County · ZIP 38053 · NSA Mid-South

VA loans in Millington,
from a local loan officer.

Stationed at NSA Mid-South, working on base, or a veteran looking at the new-construction communities around Millington, Atoka, and Munford? I'm Trevor Forbes, a local mortgage loan officer with NEXA Mortgage, and I help military families and veterans use their VA benefit the right way — with the real numbers on a specific home before you commit.

Get My VA Game Plan Snapshot a New-Build Listing
No PMI
On VA loans
~$240K
Typical home value*
100+
Lenders shopped
*Zillow Home Value Index, Millington TN, July 2026.
Payment Snapshot · Millington
New-Construction Home
Send any builder listing — VA, FHA, or conventional
What Goes Into This Payment
Principal & InterestBased on your rate & loan amount
VA Funding FeeWaived with VA disability comp.
Est. Property TaxesSpecific to that property
Est. Home InsuranceSpecific to that property
Builder incentivesFactored in when offered
✓ Compare VA side by side with FHA and conventional on the same new-build home — and see how a builder incentive changes the numbers.
For illustration only. Not a commitment to lend. Subject to VA eligibility, credit, income, AUS, appraisal, and property approval.
Trevor Forbes, Millington TN VA loan officer
Trevor Forbes
Mortgage Loan Officer · NMLS #2478105
NEXA Mortgage, LLC · NMLS #1660690
901-663-0004
Why Millington buyers work with Trevor

You earned the benefit. Let's use it well.

Local, not a call center.

Most VA lenders are national companies you'll never meet. I'm local to the Memphis area and meet face to face — including on your schedule around duty hours.

A broker, not one lender's menu.

I compare VA pricing across 100+ wholesale lenders, then show it side by side with FHA and conventional so you know VA is actually your best fit.

New-construction savvy.

Builder incentives, appraisal timing, completion dates, and rate locks all matter on a new build. I line them up so your closing lands when you need it.

30+ years advising on finances.

I studied at Austin Peay State University and hold a degree in finance. I look at your mortgage the way an advisor looks at a plan — including what happens at your next PCS.

VA loans, explained

What your VA benefit does for you.

The VA home loan is one of the strongest benefits of military service. Here's what matters most for Millington buyers.

No monthly mortgage insurance

VA loans don't require private mortgage insurance, which is one of the biggest monthly savings compared with many FHA and low-down-payment conventional loans.

Funding fee — or no fee

Most borrowers pay a one-time VA funding fee that can be financed into the loan. It's waived for veterans receiving VA disability compensation and certain other eligible borrowers.

Seller & builder help

VA allows seller concessions, and many Millington-area builders offer incentives toward closing costs or a rate buydown. The right incentive can matter more than the list price.

Reusable entitlement

Your VA benefit isn't one-and-done. Entitlement can be restored after you sell, and in some cases you can keep a VA-financed home as a rental and buy again at your next duty station.

Built for PCS timelines

Orders don't wait. I can pre-approve you before you arrive and coordinate with your agent and the builder so move-in lines up with your report date.

VA refinance options

Already have a VA loan? A VA streamline refinance (IRRRL) or VA cash-out refinance may lower your rate or tap equity, subject to eligibility.

VA loan eligibility requires a valid Certificate of Eligibility and is subject to VA guidelines, lender underwriting, and appraisal.

New construction & VA

Buying a new build with a VA loan.

Millington and the neighboring Tipton County towns of Atoka and Munford are some of the most active new-construction areas north of Memphis. VA works well for new builds — you just need to line up a few VA-specific steps:

1. No VA builder ID required anymore. As of March 31, 2025, VA no longer requires builders to hold a VA-issued builder identification number (VA Circular 26-25-1). Builders still need to meet state and local licensing, but more communities are now workable for VA buyers than many people realize.

2. The home gets a VA appraisal and must be complete to close. VA relies on local building inspections and builder warranties. An independent inspection is still smart on a brand-new home.

3. Timing is everything. Completion date, appraisal, and rate lock have to line up. I coordinate with the builder so a construction delay doesn't blow up your lock or your move.

4. Compare incentives in real dollars. Builders often offer to pay closing costs, buy down the rate, or use their preferred lender. As a broker, I'll show you whether the builder's "deal" beats what I can get you — on paper, before you sign.

Millington at a glance
ZIP code38053
CountyShelby
Typical home value~$240K (Zillow, 2026)
SchoolsMillington Municipal (4 schools)
Best-fit loan typesVA · FHA · Conventional
Nearby growthAtoka · Munford · Arlington
NSA Mid-South
Tenant commands30+
IncludesNavy Personnel Command, Navy Recruiting Command
Personnel on base7,500+ military, civilian & contract
Who this fits

Millington buyers Trevor works with.

⚓
Active-Duty & PCS Families
Arriving at NSA Mid-South and deciding whether to buy instead of rent — with a report date that won't move.
🎖️
Veterans & Retirees
Using a VA benefit again, moving closer to the base community, or buying a new build to settle down.
🏗️
New-Construction Buyers
Civilian employees and local families comparing builder incentives in Millington, Atoka, and Munford.
Living in Millington

Small-town Millington, just north of Memphis.

Millington has its own school district, a Navy base at its center, and some of the best outdoor space in Shelby County. Here's what buyers ask about most.

Millington Municipal Schools

Millington formed its own municipal school district in 2013, serving students from Pre-K through 12th grade.

  • Millington Early Learning AcademyPre-K
  • Millington Primary SchoolPre-K – 3rd
  • Millington Intermediate SchoolIntermediate grades
  • Millington Central Middle High SchoolMiddle & high school

School assignments depend on the specific address. Always confirm zoning with the district before you buy.

Where Millington fits. Millington sits north of Memphis in Shelby County, along US-51, with Naval Support Activity Mid-South at its center. That gives the city a steady base of military, civilian, and contractor households — and a real small-town feel, with quick access to Memphis, Bartlett, and the growing Tipton County towns of Atoka and Munford just up the road.

Why buyers choose it. Value compared with the eastern suburbs, a dedicated municipal school district, room to spread out, and a wave of new-construction communities in and around the city.

Landmarks & things to do

Outdoors

Meeman-Shelby Forest State Park

More than 12,000 acres along the Mississippi River with 20+ miles of hiking trails, cypress swamps, fishing lakes, and bird watching.

Sports

USA Baseball Stadium

A 5,000-seat stadium on a 72-acre complex that hosts baseball games, tournaments, and rodeos.

Family favorite

Jones Orchard

A 600-acre orchard known for its peaches — 25 varieties — plus seasonal fruit picking and fall pumpkins.

Golf

Mirimichi, Glen Eagle & Orgill Park

Three golf options in and around Millington, including Glen Eagle on NSA Mid-South and Orgill Park, a Shelby County-run course.

Arts

Playhouse 51

Millington's community theater, staging full productions in a renovated church.

Local flavor

Shelby Forest General Store & Old Millington Winery

A classic mom-and-pop general store near the state park, and a family-owned boutique winery with seasonal wines.

To Millington's veterans & military families

Thank you for your service. Let's put your benefit to work.

Millington has been a Navy town for generations, and a lot of the veterans who served here chose to stay. Whether you're active duty at NSA Mid-South, a retiree who's owned your home for years, or a veteran who's never used the VA benefit at all — this benefit was earned, and it's worth understanding.

Many veterans don't realize their entitlement can often be reused, that the funding fee is waived for those receiving VA disability compensation, or that an existing VA loan may be eligible for a streamline refinance. I'll walk you through where you stand — no pressure, no obligation.

Helpful veteran resources:
VA Home Loans (va.gov) · official eligibility and Certificate of Eligibility info
Tennessee Department of Veterans Services · state benefits and county service offices
Shelby County Veterans Services · local help with VA claims and benefits
NSA Mid-South on Military OneSource · relocation and Fleet & Family Support

Free VA benefit review

  • Help requesting your Certificate of Eligibility
  • How much of your entitlement is available to use
  • Whether your funding fee may be waived
  • VA vs. FHA vs. conventional, side by side
  • Streamline refinance check on an existing VA loan
  • Meet in person in Millington, or by phone
Schedule My VA Benefit Review

Or call 901-663-0004

Millington VA & mortgage FAQ

Questions Millington buyers ask Trevor.

Do you help VA buyers stationed at NSA Mid-South?
Yes. Trevor works with active-duty service members, reservists, civilian employees, and veterans buying in Millington and the surrounding area, and can plan around PCS orders and report dates.
Can I use a VA loan to buy a brand-new home in Millington?
Yes. VA loans can finance new construction. Since March 31, 2025, VA no longer requires builders to have a VA-issued builder ID, which makes more new-home communities workable for VA buyers. The home still needs a VA appraisal and must be complete before closing.
Do VA loans require mortgage insurance?
No. VA loans don't require monthly private mortgage insurance. Most borrowers pay a one-time VA funding fee, which is waived for veterans receiving VA disability compensation.
Can the seller or builder help with my closing costs on a VA loan?
Often, yes. VA allows seller concessions, and many Millington-area builders offer incentives. Trevor can show you how an incentive changes your numbers on a specific home.
Can I use my VA benefit more than once?
Yes. VA entitlement can be restored after you sell and pay off a VA loan, and in some cases you can keep one VA loan and use remaining entitlement for another.
Do you also do conventional and FHA loans in Millington?
Yes. As a broker with access to 100+ lenders, Trevor also offers conventional, FHA, and USDA-eligible options where they fit, and compares them side by side with VA.
Nearby areas

Explore other Memphis-area communities.

Bartlett Raleigh Frayser Cordova Germantown Investor loans
Free · No Obligation · Local

Put your VA benefit to work in Millington.

Send a builder listing or answer 5 questions. Trevor reviews every request personally and sends back your real VA game plan.

Get My VA Game Plan Call 901-663-0004
No obligation · No hard sell · Not affiliated with the Department of Veterans Affairs or the U.S. Navy.