Right Home. Right Rate. Right Now.
Your Choice of Incredible Financing Options!
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 with two incredible Rate options to fit your needs:
A 3.99% (4.323%APR) 5/1 FHA ARM + $0 Closing Costs on select Quick Move-In Homes.* Get into your new home for the holidays and enjoy this low rate for the first FIVE years. Save thousands up front with no cash needed to close – we’ll cover closing costs for you! It’s the perfect option for those who want to move quickly and lock in a great initial rate.
A 4.99% FHA 30-Yr. Fixed Rate on a New Home Built Your Way!* You've been dreaming of a home designed just for you. This is your chance. Now, in select communities and homesites, build your new home to your specifications and 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!
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 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 11/14/25. 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 09/19/2025 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 accurate but not warranted and subject to change without notice. Smith Douglas Homes® 9/19/25.
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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