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*Year 1 at 2.99%, Year 2 at 3.99%, then 4.99% beginning Year 3 for the remaining term of the loan, with a 6.219% APR. Available on select homes in participating communities in GA, NC, SC, TX, AL, and TN with contracts executed by 3/15/26 and closing by 3/31/26. Promotion available on FHA and VA loans. Must finance through Ridgeland Mortgage. Subject to borrower qualification, credit approval, loan guidelines, and rate lock. Not valid on prior contracts or with other offers. Taxes, insurance, and fees not included. Offer subject to change. See sales consultant for complete details. 2/26/26.

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® 2026.

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