Chattanooga Homes with FHA Financing available

Chattanooga Homes with FHA Financing available

Welcome to Chattanooga, Tennessee – a vibrant city nestled in the scenic foothills of the Appalachian Mountains. Known for its stunning natural beauty, rich history, and a thriving arts scene, Chattanooga offers a unique blend of southern charm and modern amenities. With the Tennessee River winding through the heart of the city, residents and visitors alike can enjoy outdoor activities such as hiking, biking, and kayaking, all while taking in breathtaking views.

Chattanooga is not just about nature; it boasts an eclectic downtown area filled with trendy restaurants, boutique shops, and cultural attractions, including the renowned Tennessee Aquarium and the Hunter Museum of American Art. The city is also home to a burgeoning tech industry and a strong educational presence, making it an ideal location for families, professionals, and retirees.

For those looking to make Chattanooga their home, the real estate market is thriving, with a diverse range of properties available to suit every lifestyle. Whether you're seeking a charming historic bungalow or a modern downtown loft, you'll find it here. Plus, many homes in the area qualify for FHA financing, making it easier for first-time buyers to step into homeownership. This financing option allows for lower down payments and more flexible credit requirements, ensuring that your dream home is within reach.

Embrace the warmth and hospitality of Chattanooga, where you can enjoy a high quality of life amidst stunning landscapes and a welcoming community. Your new adventure awaits in this enchanting city!

Newest Chattanooga Homes with FHA Financing available

3 Beds ⋅ 4 Baths ⋅ 1541219 MLS

1800 S Holtzclaw Avenue, Unit 1853 - New Construction Townhome Across from Sculpture Fields at Montague Park, Chattanooga, TN BUYER BONUS! Go Binding on Unit 1853 by August 31, 2026, and receive a $2,000 Lowe's Gift Card to personalize your new home after closing. Discover modern, low-maintenance living at The 1800's at Park Place. Unit 1853 pairs both city and mountain views with the quiet, insulated feel of an interior unit - brand-new, 3-bedroom, 3.5-bath, 1,576 SF, with 10' ceilings, an open-concept layout, designer finishes, stone countertops, stainless appliances, a spacious pantry, and upgraded lighting throughout. Built for comfort and efficiency: ENERGY STAR construction, spray foam insulation, whole-house water filtration, UV air purification, and low-VOC materials. The flexible first-floor suite with a full bath suits guests, a home office, or multi-generational living. Upstairs, the primary suite offers a walk-in closet, double vanity, and tiled shower, while the secondary bedroom adds its own private bath, vaulted ceilings, and a balcony framing both city lights and Lookout Mountain. Enjoy an oversized two-car garage, extra storage, a covered patio, and an unbeatable location directly across from Sculpture Fields at Montague Park - minutes to Southside, downtown Chattanooga, UTC, hospitals, restaurants, shopping, and entertainment. Schedule your private tour today! Preferred Lender list availaable upon request. $5,000 in closing cost offered on contracts written by end of month with preferred lender only. Disclaimer: Photos represent both Plan A and Plan B floor plans and may not reflect the actual unit (for illustrative purposes only. - Buyer to verify, square ft, school zones, and HOA. Owner is a licensed real estate agent.

1800 S Holtzclaw Avenue 1853, Chattanooga

3 Beds ⋅ 2 Baths ⋅ 1541216 MLS

Beautifully updated 1920 home just off the MLK Arts District, with the big-ticket items already handled: new roof (2025), HVAC (2024), and a water heater replaced within the last five years. Hardwood floors, high ceilings, and tall windows keep the historic character intact while the finishes stay clean and neutral throughout. Open kitchen and dining area flow into generous living and family rooms, giving you genuine flexibility for a home office, guest space, or second living area. Primary suite includes a walk-in closet and private bath. Dedicated laundry room off the entry. UTC is a 15 minute walk. Erlanger Baroness is a mile away, five minutes by car with no interstate. Restaurants, coffee, breweries, and galleries sit within a few blocks along MLK and Main Street, and downtown is minutes out.

816 E Martin Luther King Boulevard, Chattanooga

3 Beds ⋅ 3 Baths ⋅ 1541212 MLS

Welcome to Southside Square, one of Chattanooga's most sought-after gated communities, ideally positioned just steps from Main Street's best shops, restaurants, and entertainment, plus the newly completed Erlanger Park. This 1,720-square-foot townhome offers one of the largest and most versatile layouts in the community, with 3 spacious bedrooms, 2.5 baths, and an open-concept main level designed for easy everyday living and effortless entertaining. Inside, you'll find a stylish kitchen with stainless steel appliances, quartz counters, and abundant cabinetry, opening seamlessly to a bright living area filled with natural light. A private balcony extends your living space outdoors, perfect for morning coffee or evening unwinding. Upstairs, the primary suite offers a peaceful retreat, while two additional bedrooms provide flexibility for guests, a home office, or extra storage. A convenient half bath completes the main level for guests. Like the rest of Southside Square, this home is low-maintenance and practically new, with an attached garage. Residents also enjoy a community dog park and a shared outdoor gathering space complete with a gas grill and fire pit, ideal for connecting with neighbors and friends (four-legged ones included). From your doorstep, you're minutes from State of Confusion, Niedlov's Bakery & Café, The Common House, and everything else that makes Southside one of Chattanooga's most vibrant neighborhoods. Hop on your bike and explore Southside, Downtown, and the Northshore with ease! With more square footage and bedrooms than nearly any other floor plan in the community, this Southside Square townhome is a rare opportunity to enjoy room to grow in one of the city's best walkable locations. Seller is a licensed real estate agent.

178 E 19th Street, Chattanooga

3 Beds ⋅ 2 Baths ⋅ 1541208 MLS

Welcome to 2604 12th Avenue, a refreshed one-level home located in the historic East Lake community, conveniently positioned between East Ridge and Downtown Chattanooga. This 3-bedroom, 2-bathroom residence offers approximately 1,000 square feet of comfortable living space and is ready for its next chapter. Behind the charming exterior is a home that has undergone many of the most important updates a buyer can ask for. Completed in early August 2026, significant improvements include a complete foundation repair, installation of a new water mitigation system around the entire structure, updated bathrooms, new appliances, fresh interior paint, refinished floors, new exterior siding, and new gutters. These major renovations provide peace of mind and help ensure this home is ready to serve its next owners for many years to come. The property sits on a tree free level city lot with additional flexibility thanks to rear alley access. Whether you envision outdoor entertaining, gardening, play space, or expanding your usable footprint, this property offers room to make the space your own. This home may also qualify for City of Chattanooga homeownership assistance programs, creating an excellent opportunity for buyers looking to invest in their future right now. East Lake was established in the late 19th century and is home to Chattanooga's first public park. Today, East Lake Park remains a gathering place for neighbors and families, hosting community events, outdoor activities, and seasonal movie nights under the stars. With its convenient location, extensive recent renovations, generous lot, and the opportunity to become part of a growing community come see this adorable affordable home today.

2604 12th Avenue, Chattanooga

3 Beds ⋅ 3 Baths ⋅ 1540990 MLS

$10,000 Flex Cash offered on contracts written in May, when working our Preferred Lenders! The Welkin floor plan features our exclusive TOP-FLOOR LIVING™ concept, with soaring ceilings and oversized casement windows that fill the home with natural light and showcase stunning downtown views. The gourmet kitchen includes an oversized island and quartz countertops, opening seamlessly to spacious living and dining areas that extend to a covered loggia--perfect for entertaining or everyday outdoor living. Interior Highlights: 3 Bedrooms, 3 Full Bathrooms, including a versatile first-floor bedroom with a full bath-perfect for guests, a home office, or gym. Durable LVP stair treads and hard surface flooring extend across all main living areas for a cohesive, low-maintenance finish. Attached garage provides added convenience and storage. Located in Chattanooga's vibrant Northshore community--just minutes from parks, riverfront trails, shopping, dining, and entertainment. Enjoy true walkable, urban living with scenic charm. Note: Photos are virtually staged or of a staged model for representational purposes.

574 Pacesetter Place Homesite 3, Chattanooga

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

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 ⋅ 5 Baths ⋅ 1541151 MLS

Welcome home to luxury lake view living at 6805 Lake Shore Drive in Chattanooga, Tennessee. This stunning home offers breathtaking lake views and direct lake access, all on nearly one full acre of land. With just under 3,500 square feet of beautifully finished living space, plus a massive 6,500 square foot partially finished basement, the possibilities here are truly endless. The chef's dream kitchen features a wine cooler, two dishwashers, a double gas oven, a six-burner 48-inch cooktop, and a massive stainless sink. Upstairs, the second master or guest suite includes a wet bar and a huge sitting area with sweeping lake views. The enormous basement is ready for your vision--finish it into a mother-in-law suite, add bedrooms for a growing family, or create whatever your heart desires. Outside, enjoy a huge yard, a spacious driveway, and a covered porch where you can relax and watch deer, eagles, ducks, and geese. Or head down to the neighborhood dock for peaceful, tranquil moments on the water. This well-built home is filled with custom upgrades and thoughtful details throughout. You don't want to miss this rare opportunity for luxury lake view living.

6805 Lakeshore Drive, Chattanooga

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