RIGHT HOME. RIGHT RATE. RIGHT NOW.Limited Time 4.99% (5/1 ARM)* Available on select homes.

Find Your Home. Make Your Move. When the right home, the right rate and the right timing come together, there's a reason to make your move.

Find an available home with the floor plan, features, and location that work for you, plus, for a limited time, take advantage of a 4.99% 5/1 ARM (6.636% APR) on select homes.*

With many homes available now or already underway, you may even have the opportunity to make your move before the end of the year. Now is a great time to get started.

Limited Time 4.99% (5/1 ARM)* Available on select homes.

RIDGELAND MORTGAGEFinancing Made Simple.

Ready to take the next step? Our preferred lender, Ridgeland Mortgage, can help you explore
financing options and understand which loan programs may be right for you.


From pre-qualification through closing, their team works closely with Smith Douglas Homes to
help create a smooth homebuying experience.


Whether you're considering FHA, VA, Conventional, or USDA financing, experienced loan
officers are available to guide you through the process and answer your questions.


*Special financing opportunities may be available. Contact Ridgeland Mortgage for
details and eligibility requirements.

*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.

*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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