4.99% FHA FIXED RATE*

ON HOMES THRU 01/31*

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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 Offer applies to a limited number of homes and may expire or be withdrawn at any time. 5/1 ARM + offer available exclusively through our preferred lender, Ridgeland Mortgage, on select quick move-in inventory homes that contract on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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