Chattanooga Homes with Conventional Financing available

Chattanooga Homes with Conventional Financing available

Welcome to Chattanooga, Tennessee—an enchanting city nestled along the banks of the Tennessee River and surrounded by the breathtaking beauty of the Appalachian Mountains. Known for its vibrant arts scene, rich history, and outdoor adventures, Chattanooga is a hidden gem in Hamilton County that offers a perfect blend of urban sophistication and natural charm.

As you explore the neighborhoods of Chattanooga, you’ll discover a diverse array of homes that cater to various lifestyles and budgets. From historic Victorian houses in the North Shore to modern townhomes in the revitalized downtown area, the city boasts an impressive selection of properties. One of the most appealing aspects of buying a home in Chattanooga is the availability of conventional financing options, making it easier for prospective homeowners to secure their dream residence.

Chattanooga is not just about stunning homes; it’s a city that embraces community and connection. With a lively downtown filled with local boutiques, art galleries, and delectable dining options, there’s always something to explore. For outdoor enthusiasts, the nearby Lookout Mountain offers hiking trails, rock climbing, and panoramic views that will take your breath away.

Whether you’re a first-time homebuyer or looking to relocate, Chattanooga’s welcoming atmosphere and affordable housing market make it an ideal choice. With conventional financing available, your journey to homeownership in this vibrant city is within reach. Come and discover why so many are falling in love with Chattanooga—where every day feels like an adventure!

Newest Chattanooga Homes with Conventional Financing available

2 Beds ⋅ 3 Baths ⋅ 1541171 MLS

Wake up to fabulous Elder Mountain views and fall asleep to the quiet rhythm of mountain country living -- all from a brand-new, lock-and-leave townhome ready for you in October 2026. Nestled in Chattanooga's most scenic new address, Asbury Oak places you just minutes from Downtown while immersing you in the natural beauty of Lookout Valley. This thoughtfully designed three-story Bluffview plan features a first-floor flex/office, an open-concept second-floor living area with deck access perfect for soaking in those Elder Mountain sunsets, and two private en-suite bedroom suites on the top floor. Available in 3BD/3.5BA (1,463 sq ft) and 4BD/3.5BA (1,796 sq ft) configurations. With 3+ miles of world-class hiking on Lookout Mountain, Ruby Falls, and Warner Park practically at your doorstep, this is a nature lover's dream -- and a savvy investor's goldmine. Lennar's HOA covers lawn maintenance, making it the ultimate lock-and-leave mountain retreat. Best of all -- every home comes loaded with Lennar's signature Everything's Included® package: stainless steel appliances, quartz or granite countertops, 7'' engineered vinyl plank flooring, 2'' blinds and designer finishes throughout -- all at no extra cost! No upgrade packages. No surprises. Just move in and enjoy. Don't miss this rare chance to own a turnkey mountain escape in one of Chattanooga's most coveted new communities.

4263 Tillie Circle 38, Chattanooga

3 Beds ⋅ 3 Baths ⋅ 1541169 MLS

** Enjoy 3.99% buy down and closing cost assistance with Lennar!**Welcome to Pinewood Townhomes by Lennar, a brand-new community featuring just 31 townhomes in a charming, intimate setting. This limited enclave offers the perfect balance of low-maintenance living, modern style, and everyday convenience. Step inside and experience open-concept floorplans filled with fabulous natural light, creating bright and inviting spaces that feel welcoming from the moment you enter. Expansive windows throughout the home enhance every room, providing an airy atmosphere ideal for both entertaining and relaxing. At Pinewood Townhomes, Lennar's signature Everything's Included® program delivers outstanding value with many of today's most desired features already built into the price. Enjoy beautiful quartz countertops, a complete suite of stainless steel kitchen appliances--including the refrigerator--plus a washer and dryer, 2-inch window blinds throughout, and smart home technology, all included so you can move in and start enjoying your new home from day one. Each townhome showcases contemporary layouts that maximize both comfort and functionality, offering flexible living spaces that adapt to your lifestyle. Whether you're purchasing your first home, simplifying your living space, or seeking a low-maintenance lifestyle, Pinewood Townhomes delivers exceptional value and quality. With only 31 homes available, residents will enjoy a close-knit neighborhood feel while benefiting from the craftsmanship, innovation, and peace of mind that come with owning a new Lennar home. Discover the perfect combination of natural light, modern comfort, and Everything's Included® at Pinewood Townhomes--where stylish, low-maintenance living feels right at home.

2568 Henson Court 6, Chattanooga

3 Beds ⋅ 3 Baths ⋅ 1541168 MLS

** Enjoy 3.99% buy down and closing cost assistance with Lennar!** Welcome to Pinewood Townhomes by Lennar, a brand-new community featuring just 31 townhomes in a charming, intimate setting. This limited enclave offers the perfect balance of low-maintenance living, modern style, and everyday convenience. Step inside and experience open-concept floorplans filled with fabulous natural light, creating bright and inviting spaces that feel welcoming from the moment you enter. Expansive windows throughout the home enhance every room, providing an airy atmosphere ideal for both entertaining and relaxing. At Pinewood Townhomes, Lennar's signature Everything's Included® program delivers outstanding value with many of today's most desired features already built into the price. Enjoy beautiful quartz countertops, a complete suite of stainless steel kitchen appliances--including the refrigerator--plus a washer and dryer, 2-inch window blinds throughout, and smart home technology, all included so you can move in and start enjoying your new home from day one. Each townhome showcases contemporary layouts that maximize both comfort and functionality, offering flexible living spaces that adapt to your lifestyle. Whether you're purchasing your first home, simplifying your living space, or seeking a low-maintenance lifestyle, Pinewood Townhomes delivers exceptional value and quality. With only 31 homes available, residents will enjoy a close-knit neighborhood feel while benefiting from the craftsmanship, innovation, and peace of mind that come with owning a new Lennar home. Discover the perfect combination of natural light, modern comfort, and Everything's Included® at Pinewood Townhomes--where stylish, low-maintenance living feels right at home.

2572 Henson Court 5, Chattanooga

3 Beds ⋅ 3 Baths ⋅ 1541167 MLS

In the heart of St. Elmo's historic district, one of Chattanooga's most iconic and sought-after neighborhoods, 5109 Tennessee Avenue offers a rare blend of preserved character, elevated craftsmanship, and an unmatched location at the base of Lookout Mountain. This is not just a home in St. Elmo; this is St. Elmo living at its best. Thoughtfully restored by Hope of Restoration, recently recognized as the 2025 winner of Preserve Chattanooga's Residential Preservation Award for its Alabama Avenue project, this 3-bedroom, 3-bath residence reflects a level of care and quality that is increasingly rare in historic renovation. Original oak and pine hardwoods have been meticulously restored throughout, with new hardwoods added where needed, preserving the home's authentic warmth and texture. Behind the walls, everything has been brought forward, a new roof, all-new electrical, plumbing and HVAC...delivering the confidence of modern systems within a historic shell. The custom kitchen features premium Café appliances, soft-close cabinetry and a Dutch-style door that blends charm with everyday function. Three fully renovated bathrooms, including tile showers and a main-level bath, provide exceptional livability for a home of this era and scale. Storage is a true standout in St. Elmo: generous closets throughout the home plus a large unfinished basement/garage offering workshop potential, studio space, gear storage and more. Set on a prominent corner lot, the exterior offers a strong sense of presence with exterior siding fully restored, refreshed, and painted to historic district specifications, a freshly painted fence, mature fig trees, a large covered front porch with attached deck, and ample off-street parking. The lot also presents potential for a future ADU, subject to zoning and approvals...adding rare long-term flexibility in this historic setting. From this address, you are truly in the center of it all. St. Elmo's beloved dining, coffee shops, trails, and local community music venue, The Woodshop, are all just minutes away. Lookout Mountain rises immediately beyond the neighborhood, while downtown Chattanooga, the Southside district, and the transformative South Broad redevelopment corridor are all within easy reach. This is the community everyone wants to be in...historic, walkable, vibrant, and deeply connected to both nature and city life. Historic charm, award-winning restoration quality, and one of Chattanooga's most desirable locations converge at 5109 Tennessee Avenue.

5109 Tennessee Avenue, Chattanooga

3 Beds ⋅ 3 Baths ⋅ 1541163 MLS

Located at High Grove, this stunning townhome offers a rare combination of modern finishes, generous living spaces, rooftop outdoor living, and a convenient Chattanooga location. Situated within walking distance of Erlanger Hospital and surrounding medical facilities, UTC, the historic Fortwood neighborhood, Museum Bluffs Art District, schools, and the Tennessee Riverwalk, the property also provides easy access to downtown Chattanooga. Offering 3 bedrooms and 2.5 baths, this townhome also includes two covered parking spaces, gated rear access, and a rooftop deck--the perfect spot to enjoy panoramic views of Missionary Ridge, Lookout Mountain, and beyond. The stone and Hardie exterior, fenced, landscaped front area, and thoughtfully designed interior create an attractive, low-maintenance setting for city living. Step inside to an open main level where lofty ceilings and engineered hardwood flooring connect the living, dining, and kitchen areas. The kitchen features white custom cabinetry with soft-close drawers, stainless Whirlpool appliances, quartz countertops, pendant lighting, and a large center island with contrasting black quartz. Additional storage beneath the stairs provides another practical touch. A powder room is located just off the hallway leading to the rear mudroom and secondary entrance. Built-in bench seating and cubbies make this space especially convenient for everyday arrivals, groceries, and additional storage. Upstairs, the primary suite includes a spacious walk-in closet with an organizer system and a private bath with a large tiled shower, built-in bench, overhead and wall-mounted shower heads, and glass enclosure. Two additional bedrooms each offer walk-in closets and share a hall bath with a double vanity and tub/shower with tile surround. A spacious laundry/utility room provides even more storage. Continue upstairs to one of the home's most distinctive features--the rooftop deck. The landing has an area for a future refreshment center, while the deck itself offers both covered and open-air areas. The covered portion includes a ceiling fan, creating a comfortable place to relax or entertain while enjoying views of Chattanooga and the surrounding mountains. Additional features include Andersen windows, Kohler plumbing fixtures, decorative and recessed lighting, beautiful tile selections, engineered hardwood flooring, custom cabinetry, and a gated rear parking area with two covered spaces. With its convenient location, quality finishes, flexible living spaces, and exceptional rooftop retreat, this High Grove townhome offers an appealing opportunity for a primary residence or Chattanooga getaway. Schedule your private showing today. Information is deemed reliable but not guaranteed. Buyer to verify all information deemed important.

1036 E 4th Street 103, Chattanooga

4 Beds ⋅ 5 Baths ⋅ 1541162 MLS

Enjoy upscale downtown living in this exceptional Brownstone townhome, 4-bedroom, 4.5-bath offering over 3,750 sq ft of finished living space. Ideally located just steps from restaurants, shopping, the Walnut Street walking bridge, Arts District, and Riverfront, this meticulously maintained and updated home offers an impressive combination of style, space, and convenience. Beautiful bamboo flooring runs throughout the home, including all bedrooms and the finished carriage house. A unique enclosed space behind the fireplace adds additional living area and creates a charming sitting room overlooking the private courtyard. The spacious kitchen features custom cabinetry, solid-surface countertops, and KitchenAid appliances, with a convenient breakfast bar and adjacent formal dining room overlooking the landscaped front yard and Cherry St. The large living room is highlighted by a beautiful fireplace with pre-cast stone surround. An elevator serves all three levels. The second level includes a guest bedroom with ensuite bath, workspace, laundry room, and private primary suite. The primary bath features double vanities, a large tiled shower, and a walk-in closet with custom built-ins. The third level offers a bright office with built-in cabinetry and abundant natural light, plus a third bedroom currently used as a den. This level also includes a full bath, large walk-in closet, and extensive storage. The private courtyard is perfect for relaxing, entertaining, or grilling and features a retractable electric awning. The rear-loading two-car garage has 14' ceilings and was designed to accommodate a car stacker. Above the garage, the finished carriage house includes a kitchenette, full bath, HVAC, and murphy bed and offering flexible additional space. With exceptional downtown access, versatile living spaces, an elevator, private outdoor area, extensive storage, and over 3,750 sq ft of finished space, this distinctive townhome is truly a must see!

224 Cherry Street, Chattanooga

4 Beds ⋅ 3 Baths ⋅ 1541156 MLS

Welcome to 8907 Potomac Drive, an exceptional residence in the highly desirable Shenandoah community of East Brainerd, where thoughtful design meets modern luxury. Offering approximately 2,744 square feet, this impressive tri-level home with a fully finished daylight basement is beautifully situated on a private 0.51-acre lot, providing an ideal setting for both relaxation and entertaining. This 4-bedroom, 3-bath home has been extensively updated to reflect today's standards of comfort and style. The light-filled, open-concept interior is enhanced by refined finishes and a seamless flow throughout. The kitchen serves as a true centerpiece, featuring granite countertops, stainless steel appliances, a spacious center island, and abundant cabinetry, perfectly suited for both everyday living and hosting. The lower level offers a fully equipped private living suite, complete with its own bedroom, full bath, and a beautifully appointed kitchen showcasing quartz countertops, soft-close cabinetry, a double-door refrigerator, and a combination air fryer/convection oven. With a separate exterior entrance, this space is ideal for extended family, guests, or potential income-producing opportunities. The lower level has also been enhanced with new flooring, including ceramic tile and hardwood, adding both durability and style. Additional upgrades include an encapsulated crawl space with brand new dehumidifier, all-new insulation, a tankless water heater, and a newly installed privacy fence. Outdoor features continue to impress with raised garden beds, a secondary driveway offering ample parking for vehicles, RV, or boat, and a dedicated storage building for added convenience. The home's inviting curb appeal is perfectly complemented by its prime location--just minutes from Interstate 75, Hamilton Place, shopping, dining, and entertainment, and approximately 35 minutes to downtown Chattanooga.

8907 Potomac Drive, Chattanooga

3 Beds ⋅ 2 Baths ⋅ 1541154 MLS

Brand New Construction in Phase 2 of Carnell Subdivision! Be among the first to own in the newly released second phase of Carnell Subdivision. This stunning one-level home offers 3 bedrooms, 2 baths, and a thoughtfully designed open floor plan loaded with upgrades. Step inside to a welcoming, spacious living space where beautiful engineered hardwood floors flow through the living room, kitchen, and primary suite. The kitchen features stylish cabinetry, quartz countertops, a pantry, and a dining area all opening seamlessly to the living room with a cozy electric fireplace. The split-bedroom layout provides added privacy, with a spacious primary suite showcasing a coffered ceiling and elegant finishes. The primary bath is a true retreat, complete with a soaking tub, separate tiled shower, double vanity, and a large walk-in closet with direct access to the laundry room. Three additional bedrooms and a full bath offer flexibility for guests, family, or a home office/den. Conveniently located in East Brainerd, just minutes from Hamilton Place, I-75, and Hwy 153, this home combines comfort, style, and location. Schedule your showing today!

6817 Carnell Way 31, Chattanooga

3 Beds ⋅ 2 Baths ⋅ 1541149 MLS

Rare opportunity to own a nearly new income-producing home PLUS an adjoining lot in Chattanooga! This package includes 1808 and 1810 Ocoee Street, offering immediate rental income today with exciting possibilities for tomorrow. Built in 2025, 1808 Ocoee Street features 3 bedrooms, 2 full baths and 1,280 square feet of comfortable one-level living. The thoughtfully designed interior includes an open living area, quartz countertops, stainless steel appliances, ample cabinetry and attractive finishes throughout. A covered front porch and spacious backyard add to the home's appeal. The home is currently tenant occupied at $1,500 per month, with the tenant paying utilities, providing income from day one. What makes this offering especially compelling is the adjoining 1810 Ocoee Street lot, included in the package. Whether you're an investor looking to expand your portfolio, a builder considering future development, or a buyer who simply values additional land and flexibility, this combination creates possibilities rarely found with a single-family purchase. Live, rent, hold, or explore the development potential of the adjoining lot--the choice is yours. Conveniently located in Chattanooga with easy access to downtown, major roadways and area amenities, 1808 & 1810 Ocoee Street offer a unique opportunity to own an income-producing property with room for future possibilities.

1808, 1810 Ocoee Street, Chattanooga

3 Beds ⋅ 2 Baths ⋅ 1541147 MLS

This newly renovated 3 bedroom, 2 bath home sits just minutes from downtown Chattanooga, tucked away on quiet and convenient S. Seminole Drive. Formerly a successful rental, the property has been thoughtfully transformed into a comfortable single-family residence with major system upgrades and modern finishes throughout. Step inside to find brand-new bathrooms, new plumbing, new sewer line, new electrical, new insulation, and new flooring--all designed to give the next owner peace of mind for years to come. An expanded wrap-around deck offers generous outdoor living space perfect for relaxing, grilling, or entertaining. The home features a large parking area in front with room for multiple vehicles, and the huge stand-up crawlspace provides exceptional storage or the potential to finish out a workshop or hobby space. Great location! Text agent with questions.

108 S Seminole Drive, Chattanooga

3 Beds ⋅ 3 Baths ⋅ 1541144 MLS

Welcome to this stunning brand new construction in the highly desirable Lookout Valley area, where thoughtful design, elevated finishes, and effortless living come together. Offering 2,000 square feet, this beautifully designed 3 bedroom, 2.5 bath home offers a floor plan that feels open and connected while still maintaining the distinction of each living space. At the heart of the home is the beautifully appointed kitchen, featuring gorgeous quartz countertops, a natural gas range, stainless steel appliances, and carefully selected hardware and lighting. The kitchen flows seamlessly into the inviting living room, where a cozy fireplace creates a warm and welcoming focal point. French doors open directly from the living space onto the back patio, creating an easy transition for outdoor entertaining and everyday enjoyment. Throughout the home, high ceilings, abundant natural light, and thoughtfully selected light fixtures and finishes create a sophisticated yet comfortable atmosphere. The main level primary suite offers both convenience and privacy, featuring a beautifully designed spa-inspired bathroom where no detail has been overlooked. Modern finishes, elevated fixtures, and a serene design make this space a true retreat. Upstairs, two additional bedrooms and a full bath provide flexibility and privacy for family, guests, or a home office. The secondary bathroom continues the home's modern aesthetic with stylish finishes and thoughtful details. A two car garage adds convenience, while the dedicated storage room provides valuable additional space. With its exceptional finishes, intentional design, abundant natural light, and sought-after Lookout Valley location, 331 Isbill Road offers the perfect blend of modern luxury and comfortable Chattanooga living. All information is deemed reliable but is not guaranteed. Buyers are to verify any and all information they deem important.

331 Isbill Road, Chattanooga

3 Beds ⋅ 3 Baths ⋅ 1541143 MLS

Welcome to this stunning brand new construction in the highly desirable Lookout Valley area! Offering approximately 1,850 square feet, this thoughtfully designed 3 bedroom, 2.5 bath home combines modern style, quality finishes, and comfortable living. The open-concept main level creates an effortless flow between the beautifully appointed kitchen and spacious living room. The kitchen is truly a showstopper, featuring elegant Taj Mahal quartzite countertops, a natural gas range, stainless steel appliances, and ample workspace for both everyday living and entertaining. Just beyond the kitchen, the inviting living room centers around a cozy fireplace, creating the perfect gathering space. The main level primary suite offers convenience and privacy, with a beautifully finished en-suite bath featuring modern fixtures and finishes. Upstairs, two additional bedrooms and a full bath provide plenty of space for family, guests, a home office, or flex space. The two-car garage provides convenient parking and includes an additional storage area for added functionality. With its brand new construction, desirable Lookout Valley location, stylish finishes, and versatile floor plan, 329 Isbill Road is a wonderful opportunity to call Chattanooga home. All information is deemed reliable but is not guaranteed. Buyers are to verify any and all information they deem important.

329 Isbill Road, Chattanooga

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