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Contact your local Veterans United office in Hampton Roads, Virginia

Whether you have questions about your loan options, need help with your account, or are ready to start your home ownership journey, we’re here to serve you. (757) 340-0013

Contact Information

  • Phone (757) 340-0013
  • E-Mail
  • Location 564 Lynnhaven Parkway
    Virginia Beach, VA 23452
  • Hours Mon. -- Fri.: 9 a.m. -- 5 p.m.
    Closed Saturday and Sunday
  • Community Facebook

Meet the Team at Veterans United in Hampton Roads, Virginia

Aaron Giarrana

Branch Manager

NMLS #266225

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Aaron 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.

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Alex Brown

Sr. Loan Officer

NMLS #245587

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Alex is a graduate of the University of Missouri where she attained her bachelor of arts in Spanish. After growing up in Wisconsin, Alex relocated to Virginia Beach in 2009 and has been working with Veterans United for the past 11 years. As a team leader, she is extremely well educated about the loan process, and her attention to detail is what gives her clients a great homebuying experience. Alex resides in Virginia Beach with her husband, Ryan, and their two sons.

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James Walrod

Sr. Loan Officer

NMLS #260324

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James is a graduate of Virginia Tech’s 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 clients 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.

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Kevin Warren

Sr. Loan Officer

NMLS #261072

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As a 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 customer’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!

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Billy Chard

Loan Officer

NMLS #1496817

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Billy Chard is new to the mortgage industry after serving 14 years of active duty in the Navy. He is currently transitioning to the Navy Reserve. With his military experience – he’s moved 10 times in the past 12 years – Billy truly understands the stress involved in purchasing a home as a service member. Billy’s also a past client of Veterans United, so he helps his homebuyers with first-hand knowledge. When he’s not helping veterans become homeowners, Billy is spending time with his family or rooting for his favorite sports team.

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Dave Michaud

Loan Officer

NMLS #69775

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Dave Michaud is a loan officer at Veterans United Home Loans of Hampton Roads. He’s 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 customers’ 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.

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Melissa Kunkel

Loan Officer

NMLS #1318473

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Loan Officer Melissa Kunkel is proud to bring her 16 years of experience in the financial services industry to her clients at Veterans United. She found a home with VU in 2015 after holding many roles from marketing to coaching financial advisors, and she is passionate about helping people reach their goals of home ownership. 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, but 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.

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Adora Breeden

Office Manager

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Torie Smith

Loan Specialist

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Karson Hill

Marketing Specialist

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Ashley Royea

Transaction Coordinator

NMLS #1099925

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Gloria Davey

Transaction Coordinator

NMLS #1215109

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Rachel Tompkins

Transaction Coordinator

NMLS #1854858

Email Rachel

Samantha Lennox

Transaction Coordinator

NMLS #1453118

Email Samantha

Tasha Dockery

Transaction Coordinator

NMLS #837564

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Laura Payne

Loan Specialist

NMLS #1658036

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Amanda Williams

Loan Specialist

NMLS #1941033

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Spencer Cole

Loan Specialist

NMLS #1940743

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Alexander Brooks

Branch Coordinator

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Speak with a Home Loan Specialist today
- or visit us at -
564 Lynnhaven Parkway, Virginia Beach, VA 23452
A VA approved lender; Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.