4.99% FHA FIXED RATE*

ON HOMES THRU 01/31*

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Right Home. Right Rate. Right Now.

Your Home with of Incredible Financing!

Move forward with confidence. With a great rate you can feel certain of, take advantage of our Right Home. Right Rate. Right Now. Sales Event!

Finding your perfect home is a big decision, and it’s one you should make with confidence. That's why we're making it easier to buy now and feel certain about your future with our Right Home. Right Rate. Right Now. Sales Event!

We're offering your choice of a Quick Move-In Home or a New Home Built Your Way at an incredible Rate for the life of the loan:

4.99% FHA 30-Yr. Fixed Rate!* On a Quick Move-In Home you can start the new year off right in, or a home designed just for you to be completed in 2026. Now, in select communities and homesites, you have the opportunity to lock in an incredible 4.99% Rate for the life of the loan. Speak to your new home specialist about availability and deposit. 

Both of these options are designed to give you the confidence you need to make your move. You can lock in an incredible rate and feel certain about your monthly payments. Ready to find your right home with the right rate? See homes in your area now!

Your Home with of Incredible Financing!

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, 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

*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® 12/08/2025.

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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*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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