Aaron Giarrana

Branch Manager

NMLS #266225

Aaron Giarrana has spent more than 20 years at the intersection of mortgage lending, real estate and finance. A former U.S. Naval Officer, active real estate developer and investor, Aaron brings a perspective to mortgage lending that extends well beyond the loan itself. A graduate of The Ohio State University, where he studied finance and real estate, Aaron has been a leader in the Hampton Roads mortgage industry since leaving active duty in 2005. He specializes in VA loans and purchase transactions, with a straightforward approach: give clear advice, anticipate problems and make complicated transactions feel simple. As Branch Manager for Veterans United in Hampton Roads, Aaron leads an experienced team serving Veterans, active-duty service members and homebuyers throughout the region.

Billy Chard

Senior Loan Officer

NMLS #1496817

After 14 years of active-duty service in the U.S. Navy, Billy Chard brought his commitment to serving others into the mortgage industry. Billy understands military homeownership from both sides of the table. He experienced frequent moves during his Navy career and was a Veterans United borrower himself before becoming a Loan Officer. That firsthand perspective helps him anticipate the questions and challenges military families face when buying a home. Today, Billy specializes in helping Veterans and active-duty service members understand and confidently use their VA home loan benefit. Outside of work, he enjoys spending time with his family and following his favorite sports teams.

Dave Michaud

Senior Loan Officer

NMLS #69775

With more than 30 years in the mortgage industry, Dave Michaud brings extensive lending experience and financial perspective to every transaction. Dave focuses on understanding the complete financial picture behind a home purchase—not simply getting a loan to closing. His experience allows him to help borrowers evaluate their financing options, navigate complicated situations and make informed decisions throughout the homebuying process. Dave also serves on the Tidewater Mortgage Bankers Association Board of Directors. A longtime Hampton Roads resident, he enjoys boating, spending time on the water and time with his wife and three children.

Harry Basnight

Loan Officer

NMLS #1428692

Harry Basnight spent 21 years serving in the U.S. Navy's Explosive Ordnance Disposal community and is a combat Veteran and Purple Heart recipient. That career demanded attention to detail, clear communication and the ability to make good decisions in complicated situations—skills Harry now brings to helping Veterans navigate homeownership. Harry is particularly focused on helping service members understand the VA home loan benefit they earned but may never have been fully taught how to use. His goal is to take a complicated mortgage process, make it understandable and help his borrowers make confident decisions. Outside of work, Harry enjoys golf, snowboarding, spending time with his wife and two daughters, and occasionally jumping out of perfectly good airplanes.

James Walrod

Senior Loan Officer

NMLS #260324

James Walrod has been serving homebuyers in Hampton Roads since 2006. A graduate of Virginia Tech’s Pamplin College of Business, James studied management, finance, marketing and economics before building his career in mortgage lending. Nearly two decades of experience have given him a deep understanding of both the financial side of homeownership and the realities of getting a purchase transaction successfully to the closing table. James places a strong emphasis on relationships with his borrowers, real estate partners and the Hampton Roads community. He lives in Virginia Beach with his wife and two children.

Justin Miller

Senior Loan Officer

NMLS #2102284

Before entering mortgage lending, Justin Miller spent 20 years serving in the U.S. Navy SEAL Teams. His military career gave Justin firsthand experience with deployments, PCS moves, unpredictable schedules and many of the challenges active-duty families encounter when buying a home. Today, he combines that perspective with mortgage expertise to help Veterans and service members navigate the homebuying process with clarity and confidence. Justin believes exceptional service comes down to preparation, communication and taking ownership of the details—principles that have followed him throughout both of his careers. Outside of work, Justin enjoys sailing the Chesapeake Bay and spending time with his wife and two sons.

Karson Hill

Senior Loan Officer

NMLS #1997207

A lifelong Hampton Roads resident, Karson Hill combines mortgage expertise with a genuine understanding of the communities his borrowers call home. Karson works closely with both first-time and experienced homebuyers, helping them understand their financing options and navigate the purchase process from initial planning through closing. His local roots and approachable style make him a valuable resource for borrowers and real estate partners throughout Hampton Roads. When he isn’t working with homebuyers, Karson enjoys golf, camping, hiking, spending time with family and getting to the beach whenever possible.

Kevin Warren

Senior Loan Officer

NMLS #261072

A Virginia Beach native and U.S. Air Force Veteran, Kevin Warren has built his mortgage career around long-term relationships rather than one-time transactions. Kevin takes the time to understand each borrower’s financial situation, goals and priorities before helping them evaluate their mortgage options. His objective is simple: provide knowledgeable, responsive guidance during the purchase and become the mortgage resource his clients can rely on long after closing. For Kevin, great service means treating every borrower like a client for life.

Melissa Kunkel

Senior Loan Officer

NMLS #1318473

Melissa Kunkel brings more than 16 years of financial services experience to helping Veterans and military families achieve homeownership. The daughter of a Navy Chief Warrant Officer and a lifelong Hampton Roads resident, Melissa grew up understanding both the military community and the area she now serves. She combines that perspective with extensive financial experience to help borrowers understand their options and move through the mortgage process with confidence. Melissa has also spent years giving back to her community, including serving as a youth soccer coach and as treasurer for her son’s Boy Scout troop. Outside of work, she enjoys personal development and spending time with family and friends—especially near the water.

Nina Paddock

Loan Officer

NMLS #2167201

Nina Paddock served 23 years in the U.S. Navy Medical Service Corps, retiring as a Lieutenant Commander before beginning her career helping Veterans achieve homeownership. As both a Veteran and military spouse, Nina understands military life from multiple perspectives—including the moves, transitions and uncertainty that can accompany buying a home while serving. She also holds a Master of Public Health from Virginia Commonwealth University and brings the same thoughtful, service-oriented approach from her military career into mortgage lending. Nina is passionate about making sure Veterans understand the home loan benefit they earned and have someone they trust guiding them through the process. Outside of work, she is the proud mother—and frequent sports chauffeur—of two boys.

Austin Butler

Loan Officer

NMLS #2703745

Austin Butler's relationship with Veterans United began as a customer. After experiencing the Veterans United homebuying process himself, he decided he wanted to provide that same level of guidance to other military families. Austin now combines that firsthand borrower perspective with five years of service in the U.S. Marine Corps as a CH-53 helicopter crewman. His approach centers on education: helping Veterans understand the benefits they've earned, their financing options and what to expect at every stage of the homebuying process. Outside of work, Austin enjoys chess, presidential biographies, the outdoors and spending time with his two sons.

Mike Rosa

Loan Officer

NMLS #2643006

Mike Rosa spent more than 20 years serving in the U.S. Navy, ultimately reaching the rank of Master Chief Petty Officer. Throughout his Navy career, Mike developed a reputation for mentoring, educating and guiding service members through important career decisions. Today, he brings that same leadership mentality to mortgage lending. Mike focuses on helping Veterans and active-duty service members understand the full value of their VA home loan benefit and make informed decisions about homeownership—whether they are buying their first home or their fifth. A longtime Virginia Beach resident, Mike enjoys spending time with family and friends and is an avid motorcycle enthusiast.