NSH Hometown Hero 9/20/2026 | Smith Douglas Homes

*To receive the Commitment to Service $1,000 buyer incentive in our Clarksville, TN communities, the buyer must provide documentation for “proof of service” as a teacher, hospital staff, military, veteran, firefighter, EMT or Police Officer at time of initial written contract for incentive to be valid. “Commitment to Service” incentive MUST be mentioned at time of initial written contract and all paperwork included with INITIAL and FINAL contract to be valid. Not valid for previously written contracts. Valid only on full priced home(s). Subject to buyer credit approval. Offer valid only when using one of our preferred lenders. Transaction must close on initial agreed upon closing date per the original written and signed contract paperwork to be valid. Buyer incentive to be applied upon successful closing on original agreed upon closing date. Should any party require an extension or cause a delay from original closing date, with exception to any extensions filed, buyer incentive will be forfeited; no exceptions made. Offer may not be combined with other offers. All information is believed to be accurate but is not guaranteed or warranted and subject to change without notice. See New Home Specialist for further details. 9/30/26

*5/1 ARM offer available exclusively through our preferred lender, Ridgeland Mortgage, on select homes. FHA or VA, 5-year adjustable-rate mortgage has an initial rate of 4.99% (6.636% 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. Subject to qualification. Loan limits may apply. Interest rates and APRs are current as of 9/3/26 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. 9/8/26.

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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