Aaron Giarrana

Branch Manager

NMLS #266225

Branch Manager Aaron Giarrana is a graduate of Ohio State University where he studied finance and real estate during his Navy ROTC training. Since leaving active duty in 2005, he has been a leader in the mortgage industry in the Hampton Roads area. He has specialized in purchase transactions and VA Loans. He and his team understand all of the details that make the loan process go smoothly for everyone involved, and they are here to serve you. Aaron resides in Virginia Beach with his wife and three children.

Billy Chard

Senior Loan Officer

NMLS #1496817

Loan Officer Billy Chard joined the mortgage industry after serving 14 years of active duty in the Navy and loves turning Veterans into homeowners. Billy moved many times whilst in the military, so he understands the stress involved in purchasing a home as a service member. Billy is also a past borrower of Veterans United and can help his homebuyers with his firsthand knowledge. When he’s not helping Veterans become homeowners, Billy is spending time with his family or rooting for his favorite sports team!

Dave Michaud

Senior Loan Officer

NMLS #69775

Senior Loan Officer Dave Michaud has been an active part of the mortgage industry for the past 23 years, and currently also serves on the Tidewater Mortgage Bankers Board of Directors. Dave is always looking for the best financial solution to his borrowers’ homebuying needs. He prides himself on providing his homebuyers with top-notch financial direction and guidance during the loan process. Outside of work, Dave enjoys spending time with his wife of 23 years and his three children, boating and hanging out by the water.

Harry Basnight

Loan Officer

NMLS #1428692

Loan Officer Harry Basnight is a United States Navy combat Veteran & Purple Heart recipient who spent 21 years in the Explosive Ordinance Disposal community. Harry's acute attention to detail and ability to distill complex information can make every encounter a personal experience with the goal of maximizing the commonly misunderstood VA benefit – a significant benefit most Veterans don’t get training on. Now partnered with the #1 provider of VA loans in purchase business both locally and nationally, Veterans United is lucky to have a military asset like Harry working for you. Outside of work, Harry enjoys spending time with his wife and two daughters, snowboarding, playing golf, and “falling” out of perfectly good airplanes!

JamesWalrod

Senior Loan Officer

NMLS #260324

Senior Loan Officer James Walrod is a graduate of Virginia Tech Pamplin College of Business, where he studied business management, finance, marketing and economics. He and his team have been leaders in the mortgage industry since 2006 and continue to serve Hampton Roads and surrounding areas. Dedication to his borrowers and partners, as well as a strong desire to serve his community, are a few of the catalysts behind the success of this mortgage team. James lives in Virginia Beach with his wife and two children.

Justin Miller

Senior Loan Officer

NMLS #2102284

Senior Loan Officer Justin Miller joined the Veterans United team after a 20-year career in the Navy SEAL Teams. Justin’s military experience gives him an intimate understanding of navigating the homebuying process while serving on active duty. He is passionate about using his Navy experience and mortgage knowledge in the service of fellow Veterans! Justin prides himself on providing the highest level of service while working with his borrowers’ unique circumstances and schedules. In his freetime, Justin enjoys sailing on the Chesapeake Bay and spending time with his wife and two boys.

Karson Hill

Senior Loan Officer

NMLS #1997207

Karson Hill is a lifetime resident of Hampton Roads. He enjoys helping active and prospective homebuyers navigate the home purchasing process. Outside of work, Karson loves spending time with family, golfing, camping, hiking, or hanging out on the beach!

Kevin Warren

Senior Loan Officer

NMLS #261072

Senior Loan Officer Kevin Warren’s main priority is to provide personalized and friendly customer service to all who walk through his door. He works to select the best loan option for his homebuyers and makes sure he understands each borrower’s individual needs. Kevin was born and raised in Virginia Beach and served in the U.S. Air Force prior to his role at Veterans United. Kevin’s goal is to be your personal mortgage consultant for life!

Melissa Kunkel

Senior Loan Officer

NMLS #1318473

Senior Loan Officer Melissa Kunkel is proud to bring her 16 years of experience in the financial services industry to her borrowers at Veterans United. She is passionate about helping people reach their goals of homeownership. The daughter of a Chief Warrant Officer in the Navy, Melissa is a lifelong Hampton Roads resident who loves helping Veterans and service members. Outside of work she served as soccer coach and treasurer for her son’s Boy Scout Troop for many years. Now that he has grown up, she appreciates her free time and spends it on personal development, time with family and friends and spending time near the water.

Nina Paddock

Loan Officer

NMLS #2167201

​Loan Officer Nina Paddock served in the Navy Medical Service Corps as a Lieutenant Commander for 23 years. While in the Navy, she received her Master of Public Health from Virginia Commonwealth University. As a Veteran and military spouse, Nina understands the unique challenges that Veterans and service members face when buying a home. She strives to help fellow Veterans achieve their dreams of homeownership. When she’s not serving those who served, Nina is a proud mom (and sports chauffeur) to her two boys!