Dare to Compare Offer
3.99% Rate (4.232% APR) 5/1 ARM Rate Rollback + $0 Closing Costs!*
For a limited time, you can secure a 3.99% (4.323% APR) 5/1 ARM with $0 closing costs on select Smith Douglas Homes for Quick Move-In. This 5/1 adjustable-rate mortgage remains fixed at 3.99% (4.323% APR) for the first FIVE years of your loan. Year SIX through TEN the rate can adjust every twelve months based on index changes with a 1% cap. PLUS, we’ll cover your closing costs!
This incredible offer makes homeownership more affordable than you ever imagined! We’re so confident that Smith Douglas Homes can offer you a superior value to your second choice, we dare you to compare us. Now is the time to get the home you love at a value you’ll be proud of.
Browse our Quick Move-Ins in the location of your choice to see applicable homes that are move-in ready. Act now for the best selection! With Smith Douglas Homes, it's Your Home. Your Choice. Within Reach!
Ridgeland Mortgage
Ready to take the next step toward your new home? This special offer is provided exclusively through our preferred lender, Ridgeland Mortgage. Act quickly by getting pre-qualified today! Visit our Preferred Lender page to learn more about loan officers in your location. These skilled loan officers are familiar with this offer and a variety of loan programs (FHA, VA, Conventional, USDA), and our new home construction process. They can help make financing your new home a smooth experience, from contract to closing with Smith Douglas Homes.
Hurry to take advantage of this limited-time special offer.* Get pre-qualified now to get the home you love at a value you’ll be proud of.
Special Offer Details Apply
*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 9/9/25. 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. 7/18/25.
About Us
Smith Douglas Homes was founded in 2008 by a core team of new home building professionals, including recognized experts with nearly 50 years of experience. Our team is known for constructing quality homes at affordable prices in the places where you want to live.
We are committed to building homes crafted with quality, built with integrity, and that will have enduring value. How do we deliver on that promise? Through our proven, schedule-driven process and disciplined operations, we reduce costs and wasted resources while delivering quality craftsmanship. This process allows us to build a well-constructed home with the choices buyers want, at an affordable price that represents tremendous value.
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