4.99% FHA FIXED RATE*

ON HOMES THRU 12/31*

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Quick Move-In HomesNew Homes in Birmingham, AL

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4.99% FHA 30-Yr Fixed Rate + $0 Closing Costs — Act Now on Select Homes and Homesites!*

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39 Available Homes

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Special Limited-Time Rate Available
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The Caldwell 190 SANIE COVE LANE, MARGARET AL / Lot# 1097

Move-In Ready
Priced At$285,995
  • 4Beds
  • 2 .5Baths
  • 2,231SQ. FT.
  • 2Garages
  • MLS #
    21419272
financial tag4.99% FHA Fixed Rate Eligible*
LOCATED IN: The Pines at Ridgefield
$1,838/month | Based on 4.99% Limited Time Special Rate, includes principal, interest, taxes, and insurance.*
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Model Home for Sale!

The McGinnis 3296 PONDEROSA PARKWAY, MORRIS AL / Lot# 1

Move-In Ready
Priced At$339,995
  • 4Beds
  • 2 .5Baths
  • 2,372SQ. FT.
  • 2Garages
  • MLS #
    21435883
LOCATED IN: Ponderosa Highlands
Model Home for Sale!
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Special Limited-Time Rate Available
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The Braselton II 9312 BRUNSWICK AVENUE, KIMBERLY AL / Lot# 89

Move-In Ready
Priced At$284,995
  • 3Beds
  • 2 .5Baths
  • 1,933SQ. FT.
  • 2Garages
  • MLS #
    21430569
financial tag4.99% FHA Fixed Rate Eligible*
LOCATED IN: Jersey Park
$1,871/month | Based on 4.99% Limited Time Special Rate, includes principal, interest, taxes, and insurance.*
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Special Limited-Time Rate Available
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The Harrington 9316 BRUNSWICK AVENUE, KIMBERLY AL / Lot# 88

Move-In Ready
Priced At$314,995
  • 4Beds
  • 2 .5Baths
  • 2,565SQ. FT.
  • 2Garages
  • MLS #
    21430572
financial tag4.99% FHA Fixed Rate Eligible*
LOCATED IN: Jersey Park
$2,042/month | Based on 4.99% Limited Time Special Rate, includes principal, interest, taxes, and insurance.*
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Special Limited-Time Rate Available
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The Greenbrier II 9320 BRUNSWICK AVENUE, KIMBERLY AL / Lot# 87

Move-In Ready
Priced At$304,995
  • 3Beds
  • 2 .5Baths
  • 2,237SQ. FT.
  • 2Garages
  • MLS #
    21430577
financial tag4.99% FHA Fixed Rate Eligible*
LOCATED IN: Jersey Park
$1,985/month | Based on 4.99% Limited Time Special Rate, includes principal, interest, taxes, and insurance.*
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Special Limited-Time Rate Available
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The Caldwell 3160 PONDEROSA PARKWAY, MORRIS AL / Lot# 34

Move-In Ready
Priced At$314,995
  • 3Beds
  • 2 Baths
  • 2,231SQ. FT.
  • 2Garages
  • MLS #
    21431281
financial tag4.99% FHA Fixed Rate Eligible*
LOCATED IN: Ponderosa Highlands
$2,037/month | Based on 4.99% Limited Time Special Rate, includes principal, interest, taxes, and insurance.*
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Special Limited-Time Rate Available
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The McGinnis 3156 PONDEROSA PARKWAY, MORRIS AL / Lot# 35

Move-In Ready
Priced At$334,995
  • 4Beds
  • 2 .5Baths
  • 2,372SQ. FT.
  • 2Garages
  • MLS #
    21425692
financial tag4.99% FHA Fixed Rate Eligible*
LOCATED IN: Ponderosa Highlands
$2,160/month | Based on 4.99% Limited Time Special Rate, includes principal, interest, taxes, and insurance.*
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Special Limited-Time Rate Available
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The Ellison II 4577 VILLAGE SPRINGS SQUARE, FULTONDALE AL / Lot# 75

Available December 2025
Priced At$304,995
  • 3Beds
  • 2 .5Baths
  • 1,912SQ. FT.
  • 2Garages
  • MLS #
    21431276
financial tag4.99% FHA Fixed Rate Eligible*
LOCATED IN: The Village at Fulton Springs
$1,976/month | Based on 4.99% Limited Time Special Rate, includes principal, interest, taxes, and insurance.*
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Special Limited-Time Rate Available
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The Norwood II 4575 VILLAGE SPRINGS SQUARE, FULTONDALE AL / Lot# 74

Available December 2025
Priced At$274,995
  • 3Beds
  • 2 .5Baths
  • 1,806SQ. FT.
  • 2Garages
  • MLS #
    21431267
financial tag4.99% FHA Fixed Rate Eligible*
LOCATED IN: The Village at Fulton Springs
$1,794/month | Based on 4.99% Limited Time Special Rate, includes principal, interest, taxes, and insurance.*
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Special Limited-Time Rate Available
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The McGinnis 3292 PONDEROSA PARKWAY, MORRIS AL / Lot# 2

Available December 2025
Priced At$329,995
  • 4Beds
  • 2 .5Baths
  • 2,372SQ. FT.
  • 2Garages
  • MLS #
    21429126
financial tag4.99% FHA Fixed Rate Eligible*
LOCATED IN: Ponderosa Highlands
$2,191/month | Based on 4.99% Limited Time Special Rate, includes principal, interest, taxes, and insurance.*
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Special Limited-Time Rate Available
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The Ellison II 4571 VILLAGE SPRINGS SQUARE, FULTONDALE AL / Lot# 72

Available December 2025
Priced At$289,995
  • 3Beds
  • 2 .5Baths
  • 1,912SQ. FT.
  • 2Garages
  • MLS #
    21431274
financial tag4.99% FHA Fixed Rate Eligible*
LOCATED IN: The Village at Fulton Springs
$1,878/month | Based on 4.99% Limited Time Special Rate, includes principal, interest, taxes, and insurance.*
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Special Limited-Time Rate Available
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The Lawson 2037 VALLEY RUN, LEEDS AL / Lot# 58

Available December 2025
Priced At$299,995
  • 3Beds
  • 2 .5Baths
  • 1,650SQ. FT.
  • 2Garages
  • MLS #
    21427183
financial tag4.99% FHA Fixed Rate Eligible*
LOCATED IN: Dansby Valley
$1,956/month | Based on 4.99% Limited Time Special Rate, includes principal, interest, taxes, and insurance.*
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Canopy MLSRealTracs
Copyright 2025 Canopy MLS and RealTracs, Inc. All rights reserved

Listings courtesy of Canopy MLS and RealTracs as distributed by MLS GRID in accordance with these IDX Rules Based on information submitted to the MLS GRID as of Invalid date. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information

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*4.99% FHA Fixed Rate Offer is available for a limited time and only on select locations/homesites. Availability, pricing, homesite selection, and incentives are subject to change without notice and are not guaranteed until a purchase agreement is fully executed. Rate commitment is available exclusively through our preferred lender. Minimum 660 FICO score and a minimum 3.5% down payment are required. Interest rates and APRs are current as of 11/24/2025 and may change without notice. Actual rates vary based on credit rating, down payment amount, DTI, and other qualifying factors. Smith Douglas Homes is not a lender, and this is not an offer to lend. Equal Housing Opportunity. Additional restrictions may apply. See a New Home Specialist for complete details. Smith Douglas Homes® 11/24/25.

*4.99% FHA Fixed Rate Built Your Way Offer is available for a limited time and only in select locations/homesites. Availability, pricing, homesite selection, and incentives are subject to change without notice and are not guaranteed until a purchase agreement is fully executed. Mortgage rate commitment is available exclusively through our preferred lender, Ridgeland Mortgage. Minimum FICO score of 660 and a minimum down payment of 3.5% of the purchase price. Offer applies to a limited number of homes and may expire or be withdrawn at any time. 5/1 ARM + offer available exclusively through our preferred lender, Ridgeland Mortgage, on select quick move-in inventory homes that contract on or after 9/19/25 and close by 12/31/25. FHA, a 5-year adjustable-rate mortgage has an initial rate of 3.99% (4.323% APR) that may adjust after 60 months (5 years) and every 12 months thereafter through 120 months (10 years), at a maximum increase of 1% from the prior year's rate. The fully indexed rate is based on the daily 1-year. treasury index plus the margin of 1.75%. Minimum FICO of 660 and a maximum loan-to-value ratio of 96.5% on an owner-occupied single-family residence. Costs calculated in APR include lender fees, all 3rd-party fees, and prepaid items. Closing costs contribution capped at 4% of the loan amount. Subject to qualification. Loan limits may apply. Interest rates and APRs are current as of 10/22/2025 and subject to change without notice. Actual rates may vary based on several factors, including your credit rating, size of down payment, DTI, and other factors. Smith Douglas Homes is not a lender, and this is not an offer to lend. The purchaser must qualify through Ridgeland Mortgage. Equal Housing Opportunity. Additional restrictions may apply. See New Home Specialist for complete details. All information is believed to be accurate but not warranted and subject to change without notice. Smith Douglas Homes® 10/22/25

All elevations, floor plans, virtual tours, and other graphics shown are representations and may vary from the actual products. Pricing, availability, features, and all other website content is believed to be accurate and subject to change without notice. Contact a new home specialist to verify all information, including homesite fit based on plan and structural options selected. Where presented, unless denoted otherwise, the sample monthly payment, is an estimate based on lowest price base floorplan in the community, and includes principal, interest, estimated taxes, PMI, and insurance, 3.5% down payment, FHA 30-year fixed rate loan, and is for illustrative purposes only. Subject to approval by third party lender. Not an offer to lend. HOA and other fees not included. Incentives (including seller contributions) may require use of certain title companies or independent lenders. We require buyer's brokers and agents are present and registered with the home buyer at the first visit (virtual or onsite) to receive compensation. Equal Housing Opportunity. Smith Douglas Homes® 2025.


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