What areas does Varma Vegesna serve?

Varma Vegesna serves Tennessee (Chattanooga, Nashville, Memphis, Knoxville, Ooltewah, Hamilton County, Signal Mountain, Cleveland) and Georgia (Atlanta, Savannah, Augusta, Marietta) with licensed real estate services in both states.

Is the initial consultation free?

Yes, Varma Vegesna offers free initial consultations for buyers, sellers, and investors. Call (423) 653-0812 or use the online contact form to schedule. Available 7 days a week from 8 AM to 8 PM.

What services are offered for first-time home buyers?

First-time buyer services include guidance on FHA, VA, and USDA loan programs, Tennessee THDA Great Choice loans, Georgia Dream program assistance, down payment assistance resources, a free Buyers Guide, and step-by-step support through the entire purchasing process.

Does Varma Vegesna handle rental properties?

Yes, rental property services are available across all service areas in Tennessee and Georgia, including single-family rentals, apartments, and multi-family properties in Chattanooga, Nashville, Memphis, and Atlanta.

How much are closing costs in Tennessee and Georgia?

Closing costs in Tennessee typically range from 2-5% of the purchase price, including title insurance, appraisal, inspection, and state transfer taxes. Georgia closing costs are similar at 2-5%. Varma Vegesna provides detailed cost estimates during the buying process and can help identify assistance programs to reduce out-of-pocket expenses.

What credit score do I need to buy a house in Tennessee?

Minimum credit scores vary by loan type: FHA loans require 580+ (or 500 with 10% down), VA loans have no minimum but lenders typically require 620+, USDA loans require 640+, and conventional loans require 620+. The THDA Great Choice program may accept scores as low as 640. Varma Vegesna can help connect you with lenders suited to your credit profile.

How much house can I afford?

A general guideline is that your monthly mortgage payment (including taxes and insurance) should not exceed 28-31% of your gross monthly income. With a free consultation, Varma Vegesna can help you understand your buying power, explore down payment assistance programs, and get pre-approved with a lender in Tennessee or Georgia.

Do I need a real estate agent to buy a house?

While not legally required, a buyer's agent provides valuable services: access to MLS listings, market analysis, negotiation expertise, contract guidance, and advocacy throughout the transaction. Following the 2024 NAR settlement, buyer representation agreements are now required. Varma Vegesna offers transparent buyer representation across Tennessee and Georgia.

How long does it take to buy a house in Tennessee or Georgia?

The typical timeline from offer acceptance to closing is 30-45 days with a mortgage, or as fast as 2 weeks for cash purchases. The entire process including home search, offer, inspection, and closing usually takes 2-4 months. Varma Vegesna guides clients through each step to keep the process on track.

What are property taxes like in Tennessee vs Georgia?

Tennessee has some of the lowest property taxes in the nation, averaging 0.56% of assessed value. Hamilton County (Chattanooga) averages around 0.72%. Georgia's average is 0.87%, with rates varying by county. Neither state has a state income tax on wages (Tennessee fully repealed the Hall Tax in 2021), making both attractive for homeowners.

What awards has Varma Vegesna received?

Varma Vegesna received four 2025 awards from Zach Taylor Chattanooga: the Golden Horizon Award, the Golden Elite Award ($5 Million Club), the Golden Crown Award (Top 10 Volume Sold), and the Golden Closer Award (Top 10 Units Sold). These awards recognize outstanding performance in real estate sales across Tennessee and Georgia.

2025 Award

Golden Horizon Award

Your Trusted Realtor®

With extensive experience in Tennessee and Georgia real estate markets, I provide personalized service to help clients achieve their property goals. As a committed REALTOR®, I adhere to the highest professional standards and fair housing practices. Whether you're a first-time buyer, seasoned investor, or looking to sell, I'm dedicated to delivering exceptional results with integrity, expertise, and equal professional service for all.

TN License #377135

GA License #441563

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Varma Vegesna

My Listings

Homes for Sale listed by Varma Vegesna

2580 Blue Skies Drive, Ooltewah, TN 37363 — $569,000 · 4 bd · 4 ba · 3,009 sqft
9863 Haven Port Lane, Ooltewah, TN 37363 — $549,900 · 4 bd · 4 ba · 3,248 sqft
1201 Regency Court, Chattanooga, TN 37421 — $274,400 · 3 bd · 2 ba · 1,665 sqft
2203 Regency Court, Chattanooga, TN 37421 — $274,900 · 2 bd · 2 ba · 1,756 sqft
8557 Flowerdale Drive, Chattanooga, TN 37421 — $420,300 · 4 bd · 3 ba · 1,886 sqft

Rentals listed by Varma Vegesna

2203 Regency Court, Chattanooga, TN 37421 — $1,900/mo · 2 bd · 2 ba · 1,756 sqft
2580 Blue Skies Drive, Ooltewah, TN 37363 — $2,950/mo · 4 bd · 4 ba · 3,009 sqft
11029 Valmont Way, Collegedale, TN 37302 — $3,150/mo · 5 bd · 4 ba · 3,100 sqft
1201 Regency Court, Chattanooga, TN 37421 — $1,800/mo · 3 bd · 2 ba · 1,665 sqft

Experienced Real Estate Professional

I'm here to help you navigate your real estate journey in Tennessee and Georgia with confidence and ease. Whether you're buying your first home, growing your investment portfolio, or ready to sell, I'll provide the personalized guidance and support you need every step of the way.
My commitment is simple: to deliver exceptional service with honesty, expertise, and genuine care for your unique goals. Everyone deserves outstanding real estate service, and that's exactly what you'll receive when working with me.

My Specialties & Services

Working with

Zach Taylor TN

101 W 21st Street Suite C
Chattanooga, TN 37408

Professional Standards

Licensed REALTOR®

REALTOR® Code of Ethics

Fair Housing Advocate

Equal Opportunity Service

E&O Insurance Coverage

Continuing Education

Awards & Recognition

Honored by Zach Taylor Chattanooga for outstanding performance in 2025

Varma Vegesna's 2025 Gold Bar Awards from Zach Taylor Chattanooga

2025 Gold Bar Awards — Zach Taylor Chattanooga

Awards in 2025

$5M+

Sales Volume

Top 10

Volume Sold

Top 10

Units Sold

Golden Horizon Award

2025 Achievement Recognition

Golden Elite — $5 Million Club

Elite Sales Volume Achievement

Golden Crown — Top 10 Volume Sold

Highest Total Sales Volume

Golden Closer — Top 10 Units Sold

Most Properties Successfully Closed

Professional Services

Sales & Rentals

Expert guidance through buying, selling, and renting residential properties with personalized service and market expertise.

First-Time Buyers

Comprehensive support for first-time homebuyers through every step of the process with educational guidance.

Click to download Buyers Guide!

Market Analysis

Professional market analysis and property valuations to help you make informed real estate decisions.

Relocation Services

Smooth relocation assistance for clients moving to Tennessee or Georgia with local market expertise.

Accessible Housing

Specialized assistance finding accessible properties and reasonable accommodations for clients with disabilities.

Fair Housing Advocacy

Committed to equal housing opportunity and fighting discrimination in all real estate transactions.

Chattanooga

Tennessee — Citywide

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East Brainerd

Chattanooga, TN (37421)

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Ooltewah & Collegedale

TN (37363 · 37315 · 37302)

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Signal Mountain

TN (37377) — Top Schools

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Brainerd & Shallowford

Chattanooga (37411)

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More Chattanooga neighborhoods

Hixson

TN (37343)

Lookout Mountain

TN (37350) — Luxury

North Shore / Riverview

Chattanooga (37405)

Southside

Chattanooga (37408)

St Elmo

Chattanooga (37409)

Red Bank

TN (37415)

Missionary Ridge

Chattanooga (37404)

Call Me Direct

(423) 653-0812

Email & Schedule

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Visit Our Office

101 W 21st Street Suite C
Chattanooga, TN 37408

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Send Me a Message

Tell me about your real estate goals and I'll get back to you promptly. All inquiries welcome regardless of background or circumstances.

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Legal Information & Compliance

Professional Standards & Disclaimers

Licensed REALTOR®: Varma Vegesna is a licensed real estate professional in Tennessee and Georgia, adhering to the REALTOR® Code of Ethics and all applicable licensing requirements.

Fair Housing Commitment: We are committed to equal housing opportunity and do not discriminate based on race, color, religion, sex, national origin, disability, familial status, sexual orientation, gender identity, or any other protected class.

Professional Liability: This practice is covered by Errors & Omissions (E&O) professional liability insurance to protect clients and ensure professional standards.

Market Information Disclaimer: All market data, property valuations, and market analyses are provided for informational purposes only and should be independently verified. They do not constitute formal appraisals or guarantees of property values.

Your Trusted Realtor®

My Listings

Rentals

Success Stories

Explore More Properties

About Your REALTOR®

Experienced Real Estate Professional

My Specialties & Services

Working with

Zach Taylor TN

Professional Standards

Awards & Recognition

Golden Horizon Award

Golden Elite — $5 Million Club

Golden Crown — Top 10 Volume Sold

Golden Closer — Top 10 Units Sold

Professional Services

Sales & Rentals

First-Time Buyers

Market Analysis

Relocation Services

Accessible Housing

Fair Housing Advocacy

What Clients Say About Varma

Housing Market Snapshot

Serving Tennessee & Georgia

Chattanooga

East Brainerd

Ooltewah & Collegedale

Signal Mountain

Brainerd & Shallowford

Hixson

Lookout Mountain

North Shore / Riverview

Southside

St Elmo

Red Bank

Missionary Ridge

Ready to Find Your Perfect Place?

Call Me Direct

Email & Schedule

Visit Our Office

Share My Info

Send Me a Message

Legal Information & Compliance

Professional Standards & Disclaimers

Legal Documents & Policies