24 Wendall LaneConcord, NC 28025 | Lot# 22 | MLS# 4319966Floor Plan: The CaldwellCommunity: Green Acres

Disclaimer

• *For a limited time, receive up to $20,000 in closing costs on presale homes or up to $20,000 in closing costs for inventory homes! Must be Under Contract by 12.14.25 to receive incentive. Buyer must work with our preferred lender to receive closing cost assistance. Additional restrictions may apply. All offers subject to approval by preferred lender. Price, payment, rate, term, and conditions subject to credit approval, availability, and other lender terms and conditions. Must comply with all terms, including the financing, purchasing, and closing with a preferred lender partner, title company, and closing attorney. Not valid on previously written contracts or with any other offer. Additional restrictions may apply. See New Home Specialist for complete details. All information is believed to be accurate but is not guaranteed or warranted and subject to change without notice. Smith Douglas Homes®
  
  
  
  
  *Special Rate offer valid only on featured home contracts that close by 12/31/25 with financing through SDH Charlotte's LLC’s Preferred Lender Partner LoanDepot/Ridgeland Mortgage and use of SDH Charlotte, LLC’s preferred closing attorney and title company. Not valid for previously written contracts and cannot be combined with any other offer. Transaction must close on initial agreed upon closing date per the original written and signed contract paperwork to be valid. Advertised rate is 2.99% for year 1, 3.99% for year 2, and years 3-30 at 4.99% (5.395% APR) on a 30-year FHA/VA owner occupied purchase money loan, with a down payment of 3.5% for qualified applicants meeting approval criteria, including at least a 660-credit score for FHA/VA. Rates, terms, and conditions are subject to change without notice. Subject to credit approval. Down payment assistance not offered for advertised rate. Additional closing costs will apply in connection with the advertised rate. Rate as of 11/26/2025. This is not a commitment to lend. Smith Douglas Homes is not a lender or mortgage broker. All information is believed to be accurate but is not guaranteed or warranted and subject to change without notice. See New Home Sales Specialist or LoanDepot/Ridgeland Mortgage Advisor for further details.
  
  
  

• *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 10/31/2025 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.