Dream It, Achieve It |  3.99% Rate (FHA 5/1 ARM)*

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Dream It, Achieve It —3.99% Rate (6.095APR)* Limited-time FHA 5/1 ARM available on select homes.

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4 Available Homes
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Private Backyard

The Trenton 5624 Ringneck Road, Charlotte NC / Lot# 10

Available April 2026
Priced At$289,445
  • 3Beds
  • 2 .5Baths
  • 1,287SQ. FT.
  • 1Garages
  • MLS #
    4333637
financial tagBuild a Better Future —Rates as low as 2.99%*
LOCATED IN: Hickory Glen
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MLS Number: 4333637Canopy MLS
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The Rutledge 5636 Ringneck Road, Charlotte NC

Priced At$300,845
  • 3Beds
  • 2 .5Baths
  • 1,443SQ. FT.
  • 1Garages
  • MLS #
    4362993
LOCATED IN: Hickory Glen
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MLS Number: 4362993Canopy MLS
Photo #001Photo #002

The Rutledge 5617 Ringneck Road, Charlotte NC

Priced At$301,960
  • 3Beds
  • 2 .5Baths
  • 1,443SQ. FT.
  • 1Garages
  • MLS #
    4363350
LOCATED IN: Hickory Glen
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Icon PlayDirectionslink to the community
MLS Number: 4363350Canopy MLS
Photo #001Photo #002

The Trenton 5628 Ringneck Road, Charlotte NC

Priced At$291,645
  • 3Beds
  • 2 .5Baths
  • 1,287SQ. FT.
  • 1Garages
  • MLS #
    4364073
LOCATED IN: Hickory Glen
Icon Play PhotosPhotos
Icon PlayDirectionslink to the community
MLS Number: 4364073Canopy MLS
Canopy MLSRealTracs
Copyright 2026 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 4/01/26. 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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*5/1 ARM offer available exclusively through our preferred lender, Ridgeland Mortgage, on select quick move-in homes with contracts written by 4/30/26 and closing by 5/31/26. FHA or VA, 5-year adjustable-rate mortgage has an initial rate of 3.99% (6.095% 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. Subject to qualification. Loan limits may apply. Interest rates and APRs are current as of 3/31/26 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 Counselor for complete details. 3/31/26.

*5/1 ARM offer available exclusively through our preferred lender, Ridgeland Mortgage, on select quick move-in homes with contracts written by 4/30/26 and closing by 5/31/26. FHA or VA, 5-year adjustable-rate mortgage has an initial rate of 3.99% (6.095% 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. Subject to qualification. Loan limits may apply. Interest rates and APRs are current as of 3/31/26 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 Counselor for complete details. 3/31/26.

*Year 1 at 2.99%, Year 2 at 3.99%, then 4.99% beginning Year 3 for the remaining term of the loan, with a 6.219% APR. Available on select homes in participating communities in GA, NC, SC, TX, AL, and TN with contracts executed by 3/31/26 and closing by 4/30/26. Promotion available on FHA and VA loans. Must finance through Ridgeland Mortgage. Subject to borrower qualification, credit approval, loan guidelines, and rate lock. Not valid on prior contracts or with other offers. Taxes, insurance, and fees not included. Offer subject to change. See sales consultant for complete details. 3/17/26.

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® 2026.

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