3.99% (4.323%APR) FHA 5/1 ARM + $0 Closing Costs for a Limited Time on Select Homes*

3.99% (4.323%APR) FHA 5/1 ARM + $0 Closing Costs on Select Homes*

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Quick Move-In HomesNew Homes in Chattanooga, TN / Dalton, GA

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3.99% (4.323%APR) FHA 5/1 ARM + $0 Closing Costs for a Limited Time on Select Homes*


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30 Available Homes

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MOVE-IN READY - Special Rate Available - Self-Tour Anytime
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The Lawson 70 Willow Circle, Rock Spring GA / Lot# 15

Move-In Ready
Priced At$299,900
Est. Monthly Payment$1,874
  • 3Beds
  • 2 .5Baths
  • 1,650SQ. FT.
  • 2Garages
  • MLS #
    7629385
financial tagZERO Closing Costs + 3.99% (4.323% APR) 5/1 ARM Eligible*
LOCATED IN: Laurel Ridge
Open Concept Plan with Island Kitchen
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MOVE-IN READY - Special Rate Available

The Benson II 58 Willow Circle, Rock Spring GA / Lot# 13

Move-In Ready
Priced At$299,900
Est. Monthly Payment$1,874
  • 3Beds
  • 2 .5Baths
  • 1,813SQ. FT.
  • 2Garages
  • MLS #
    7629436
financial tagZERO Closing Costs + 3.99% (4.323% APR) 5/1 ARM Eligible*
LOCATED IN: Laurel Ridge
Island Kitchen with Upgraded Cabinetry
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MOVE-IN READY - Special Rate Available

The Piedmont 49 Willow Circle, Rock Spring GA / Lot# 56

Move-In Ready
Priced At$298,900
Est. Monthly Payment$1,871
  • 3Beds
  • 2 Baths
  • 1,501SQ. FT.
  • 2Garages
  • MLS #
    7573467
financial tagZERO Closing Costs + 3.99% (4.323% APR) 5/1 ARM Eligible*
LOCATED IN: Laurel Ridge
Covered Rear Patio Great for Entertaining
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MOVE-IN READY - Special Rate Available - Self-Tour Anytime
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The Caldwell 1192 Centerstone Lane, Apison TN / Lot# 6

Move-In Ready
Priced At$399,900
Est. Monthly Payment$2,498
  • 4Beds
  • 2 .5Baths
  • 2,231SQ. FT.
  • 2Garages
  • MLS #
    1517636
financial tagZERO Closing Costs + 3.99% (4.323% APR) 5/1 ARM Eligible*
LOCATED IN: Capstone Estates
Owner's Suite on Main Floor
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MOVE-IN READY - Special Rate Available - Self-Tour Anytime
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The Caldwell 1216 Centerstone Lane, Apison TN / Lot# 8

Move-In Ready
Priced At$397,900
Est. Monthly Payment$2,486
  • 3Beds
  • 2 .5Baths
  • 2,231SQ. FT.
  • 2Garages
  • MLS #
    1517741
financial tagZERO Closing Costs + 3.99% (4.323% APR) 5/1 ARM Eligible*
LOCATED IN: Capstone Estates
First Floor Owner's Suite
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MOVE-IN READY - Special Rate Available - Self-Tour Anytime
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The Harrington 1204 Centerstone Lane, Apison TN / Lot# 7

Move-In Ready
Priced At$414,900
Est. Monthly Payment$2,592
  • 4Beds
  • 2 .5Baths
  • 2,565SQ. FT.
  • 2Garages
  • MLS #
    1517276
financial tagZERO Closing Costs + 3.99% (4.323% APR) 5/1 ARM Eligible*
LOCATED IN: Capstone Estates
Generous Primary Suite - Self-Tour Anytime
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Special Limited-Time Rate Available

The McGinnis 1252 Centerstone Lane, Apison TN / Lot# 11

Move-In Ready
Priced At$394,900
Est. Monthly Payment$2,479
  • 4Beds
  • 2 .5Baths
  • 2,372SQ. FT.
  • 2Garages
  • MLS #
    1511767
financial tagZERO Closing Costs + 3.99% (4.323% APR) 5/1 ARM Eligible*
LOCATED IN: Capstone Estates
Upgraded Cabinets & Granite Counters
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Photo #001Photo #002
Special Limited-Time Rate Available

The McGinnis 1264 Centerstone Lane, Apison TN / Lot# 12

Move-In Ready
Priced At$397,900
Est. Monthly Payment$2,486
  • 4Beds
  • 2 .5Baths
  • 2,372SQ. FT.
  • 2Garages
  • MLS #
    1512192
financial tagZERO Closing Costs + 3.99% (4.323% APR) 5/1 ARM Eligible*
LOCATED IN: Capstone Estates
Covered Rear Patio Great for Entertaining
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Photo #001Photo #002
MOVE-IN READY - Special Rate Available

The Lawson 40 Willow Circle, Rock Spring GA / Lot# 10

Move-In Ready
Priced At$288,900
Est. Monthly Payment$1,809
  • 3Beds
  • 2 .5Baths
  • 1,650SQ. FT.
  • 2Garages
  • MLS #
    7631676
financial tagZERO Closing Costs + 3.99% (4.323% APR) 5/1 ARM Eligible*
LOCATED IN: Laurel Ridge
Great Backyard with Views
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Special Rate Available - Self-Tour Anytime
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The Harrington 8136 Harbour Chase Lp, Ooltewah TN / Lot# 9

Move-In Ready
Priced At$419,900
Est. Monthly Payment$2,623
  • 4Beds
  • 2 .5Baths
  • 2,565SQ. FT.
  • 2Garages
  • MLS #
    1516202
financial tagZERO Closing Costs + 3.99% (4.323% APR) 5/1 ARM Eligible*
LOCATED IN: Harbour Chase
Upgraded Cabinets & Granite Counters - Self-Tour Anytime with NterNow
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Photo #001Photo #002
Special Limited-Time Rate Available

The Ellison II 9474 Cavalier Trail 79, Collegedale TN / Lot# 79

Available September 2025
Priced At$332,900
Est. Monthly Payment$2,080
  • 3Beds
  • 2 .5Baths
  • 1,912SQ. FT.
  • 2Garages
  • MLS #
    1511910
financial tagZERO Closing Costs + 3.99% (4.323% APR) 5/1 ARM Eligible*
LOCATED IN: Dogwood Estates
Amazing Chef's Island Kitchen
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Photo #001Photo #002
Special Limited-Time Rate Available

The Benson II 197 Orion Drive, Dalton GA / Lot# 123

Available September 2025
Priced At$299,900
Est. Monthly Payment$1,874
  • 3Beds
  • 2 .5Baths
  • 1,813SQ. FT.
  • 2Garages
  • MLS #
    7620898
financial tagZERO Closing Costs + 3.99% (4.323% APR) 5/1 ARM Eligible*
LOCATED IN: Varnell Preserve
Island Kitchen with Upgraded Cabinetry
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*5/1 ARM offer available exclusively through our preferred lender, Ridgeland Mortgage, on select quick move-in inventory homes that contract on or after 7/18/25 and close by 10/10/25. FHA, 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 07/18/2025 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 Counselor for complete details. 8/21/25.

*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 are subject to change without notice. Please speak to a new home specialist to verify homesite fit based on plan and structural options selected. Before visiting a property, contact a new home specialist to verify all information. Sample monthly payment where presented, is an estimate based on lowest price base floorplan model in the community, and includes principal, interest, and estimated taxes, PMI, and insurance, 5% down payment, FHA 30-year fixed rate loan. Subject to approval by third party lender. Not an offer to lend. HOA and other fees not included. Price, payment, rate, term and other features are examples only and subject to change without notice. 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. All information is believed accurate but not warranted and subject to change without notice. Smith Douglas Homes® 2025.

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