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

4 Beds ⋅ 2 Baths ⋅ 1541010 MLS

Welcome to this well-located duplex offering two 2-bedroom, 1-bathroom units, each featuring the same functional layout and approximately 776 square feet of living space, for a total of 1,552 square feet. Built in 1959, this property offers classic character combined with practical updates. Both units feature a front porch, side and back yards, and a storage shed, providing comfortable outdoor space and additional storage. The left-side unit features LVT flooring and is currently leased through next summer, providing immediate rental income. The right-side unit has brand-new carpet and fresh paint and is vacant, offering the flexibility to move in yourself or place a new tenant. Located within walking distance of UTC and Erlanger Hospital and just a short distance from the historic Fort Wood neighborhood, this duplex is ideally positioned for students, medical professionals, and long-term renters. Whether you're looking to add an income-producing property to your portfolio, house-hack by living in one side while renting the other, or secure a conveniently located home with rental potential, this duplex is an excellent opportunity in a desirable area.

953 E 5th Street, Chattanooga

3 Beds ⋅ 2 Baths ⋅ 1541007 MLS

Welcome to 1619 S Seminole Drive! This well-maintained three-bedroom, one-and-a-half-bath home sits upon just under a half-acre lot and is ready for its new owner. The main level features a spacious living room, dining area with built-in cabinetry, and a generously sized kitchen with direct access to the deck. Three comfortable bedrooms and a full bathroom complete the main level. Downstairs, the lower level offers a versatile den area with a bar and built-in seating, along with a half bath. Outside, enjoy the inviting front porch, open grilling deck, and one-car garage with additional storage. Don't miss the opportunity to make this charming home your own! Seller improvements include: regrading of dirt in back of home to create a positive grade and improve water drainage away from house. New water heater, newer roof with leaf guard gutter guards (gutter guards have a lifetime transferrable warranty) and newer HVAC. Call or text today to schedule your private tour. *Home being sold in as-is condition - seller will make no repairs.*

1619 S Seminole Drive, Chattanooga

2 Beds ⋅ 3 Baths ⋅ 1541000 MLS

MODERN SOUTHSIDE LIVING WITH A TRANSFERABLE STVR PERMIT! Welcome to 3113 Riverwalk Way, Chattanooga, TN! Discover an exceptional opportunity to own a beautifully maintained, modern-concept 2 BD/2.5BA townhome in one of Chattanooga's most exciting and rapidly transforming urban corridors: Chattanooga's Broad Street Southside. Built in 2023, this three-story residence perfectly bridges modern architectural efficiency, high-end contemporary finishes, and low-maintenance urban living. Even more compelling, the property features a coveted and transferable Short-Term Vacation Rental (STVR) permit--a rare asset that creates unparalleled flexibility for an owner seeking a high-yield investment, an executive primary residence, a sophisticated second home, or a dynamic hybrid of personal getaway and income-producing asset. In a real estate market where location and regulatory flexibility dictate long-term value, this turn-key townhome stands in a league of its own. It provides immediate entry into Chattanooga's thriving hospitality and residential landscape without the delays, zoning hurdles, or renovation demands of older construction. Positioned within easy reach of Chattanooga's Southside, historic St. Elmo, Downtown and Lookout Mountain, this home puts an incredible variety of dining, entertainment, recreation and cultural experiences close to home. Chattanooga Lookouts and the Tennessee Riverwalk only steps away from home. Outdoor enthusiasts will enjoy the miles of opportunities for walking, running, cycling and enjoying Chattanooga's scenic riverfront. The area also offers convenient access to parks, trails and some of the city's most recognizable outdoor destinations. Explore the charm of historic St. Elmo, enjoy the iconic Lookout Mountain Incline Railway, or make your way downtown for the Tennessee Aquarium, Riverfront attractions, shopping, dining and Chattanooga's vibrant entertainment scene. Quick access to I-24/Hwy27. Buyer to verify all information.

3113 Riverwalk Way, Chattanooga

2 Beds ⋅ 3 Baths ⋅ 1540988 MLS

In 1926 this Historic Charmer started its journey. This one of a kind home has been mutinously cared for by its current owner and the eclectic feel radiates throughout the entire home. The welcoming & oversized covered front porch invites you in to a home with extensive hardwood floors, a timeless great room with built in book shelves, a gas log fire place and an open view of the oversized dining room & recently updated gourmet kitchen. This is no ordinary kitchen..... Stainless steel abounds, beautiful granite countertops are everywhere as well as a large tile back splash. A cozy eat-in area resides in the corner & a multitude of cabinets offer all the room you need for storage. There a two well placed & cozy bedrooms upstairs & 2 full baths. The primary suite has a gorgeous white claw foot tub & access to a private fenced in back yard. The lot offers amazing privacy, abundant landscaping with a courtyard area & serious curb appeal, a covered carport, a large private deck off rear of home and a covered stone structure at street level. To finish out the inside, the home offers a partially finished basement with a rec room ( currently being used as a 3rd bedroom ), another full bath and a large expansion area for future growth. Don't miss your opportunity to put your own heart & energy into the future of this amazing home.

821 Summit Avenue, Chattanooga

3 Beds ⋅ 2 Baths ⋅ 1540986 MLS

Full of character and set in the heart of historic St. Elmo, this beautifully updated three-bedroom home has been cared for with thoughtful attention to detail while preserving the original features that make it so special. A rocking-chair front porch wraps around the entry, while a shingled gable and stained-glass accent add to its timeless charm. The living room centers around a rustic brick fireplace with an arched opening and wood mantel, with a spacious dining area just around the corner for gathering and entertaining. The roomy kitchen features a classic checkered tile floor, stainless steel appliances, white cabinetry, and brass hardware. A dedicated laundry room adds everyday convenience. Natural light fills all three bedrooms, which are connected in a row and offer a flexible layout that can adapt to your needs. The center room works beautifully as a sitting room, playroom, or work-from-home space, creating added separation between the primary and guest bedroom. Original decorative fireplaces in the center room and guest bedroom add even more historic character. The primary bedroom provides direct access to the laundry room and an updated full bath featuring a stand-alone tub and classic subway tile. Outdoor living is just as inviting, with an upper deck for grilling and dining and a lower deck offering even more room to relax. The level, fully fenced backyard has lush, low-maintenance grass with plenty of space for pets, play, or a raised-bed garden. Located at the foot of Lookout Mountain and approximately four miles from downtown Chattanooga, 4602 Alabama Avenue puts the best of St. Elmo close by. Walk or bike to neighborhood restaurants, shops, the Virginia Avenue Greenway, playgrounds, and nearby trails, including Guild-Hardy and Glen Falls. From quiet mornings on the porch to afternoons exploring the neighborhood, this is a home and location that make everyday life feel a little more special. Local lenders preferred. Schedule your showing today!

Chattanooga

3 Beds ⋅ 3 Baths ⋅ 1540981 MLS

This centrally located East Brainerd townhome needs some TLC and is priced to sell FAST to a cash or conventional buyer! Offering nearly 1,600 square feet, this distinctive 3-bedroom, 2.5-bath townhome is full of character and ready for someone with the vision to make it shine once again. The open-concept main level features a welcoming fireplace, cozy kitchen, a dining area, and a screened in porch overlooking the private backyard-- providing an inviting place to relax or entertain. Upstairs, the oversized primary suite includes a walk-in closet and private bath. Two additional bedrooms offer flexibility for guests, a home office, or additional living space. Residents also enjoy access to the community saltwater pool. Conveniently located just minutes from I-75, Hamilton Place, Volkswagen, Amazon, Food City, and downtown Chattanooga, this property offers easy access to shopping, dining, major employers, and entertainment. Bring your ideas, make your updates, and unlock this home's potential--schedule your showing today! Other townhomes in this community with the same floorplan have sold recently and significantly higher! Buyer to verify square footage, school zones, financing eligibility, and all information deemed important.

2151 Vaden Village Drive, Chattanooga

4 Beds ⋅ 6 Baths ⋅ 1540978 MLS

Perched on a scenic plateau above the woods and lake, this exceptional residence offers splendid views of shimmering water, dramatic limestone cliffs, and lush woodlands, blending natural beauty with refined living. Located in the highly sought-after Eagle Bluff community, it is surrounded by large, well-maintained lots, mature landscaping, and beautifully established homes that reflect true pride of ownership.Designed for comfort and elegance, this spacious home features a newly built deck overlooking the lake and forest, creating an ideal setting for relaxing or entertaining. Exotic hardwood floors run throughout the main living areas, adding warmth and timeless character, while abundant natural light pours in through many new windows, skylights, and a recently installed front door, enhancing the home's bright, welcoming feel.The main living spaces are anchored by two fireplaces--one located in the family room next to the kitchen, forming the inviting heart of the home, and another in the lower level that adds warmth and ambiance below. A modern natural-gas HVAC system serves both levels for efficient year-round comfort, while a whole-home backup generator provides automatic power during outages.The upper level includes three well-appointed bedrooms, offering comfortable private spaces for family or guests. In addition, a large bonus room filled with abundant natural light provides exceptional versatility and would make an ideal playroom, craft room, or creative studio.The expansive primary suite is a private retreat with a spacious en suite bath, walk-in closets, and direct access to the deck. The luxurious bath includes a shower, whirlpool tub, double vanity, and skylights that fill the space with natural light.The lower level offers exceptional flexibility with generous space for living, recreation, or entertaining. A large dedicated room is ideal for a gym, hobby area, or workshop, and the basement fireplace adds comfort throughout. A walkout flagstone patio extends the living space outdoors, providing a shaded retreat beneath the deck above. An additional uncovered flagstone patio is located on the side of the home.Outdoor living is further elevated by the main deck's automatic retractable awning, offering shade and weather protection for year-round enjoyment of the views. The serene setting is enhanced by frequent sightings of deer, wild turkeys, and eagles reinforcing the property's peaceful, wooded atmosphere.Additional highlights include plantation shutters in key rooms for privacy and light control, gutter guards on the rain gutters, as well as a circular driveway and second driveway providing easy access to garages and ample parking for residents and guests. Note: Golf course and clubhouse are not in operation. Improvements to the property include: 4/25 - Electrical Repairs New LG refrigerator with ice maker 8/25 Aluminum windows - front double doors, frame, etc. 9/25 Painted walls & ceilings on 1st & 2nd floors 10/25 New electric range/oven " Bosch dishwasher Range hood LG microwave oven 10/25 Dining room window treatments New carpet on stairs & kitchen in lower level 11/25 Painted lower-level walls & all-white exterior trim/doors Replaced 14 windows & 2 skylights Rebuilt rear deck with Trex, including all supports & railings 7/26 New 5-ton Tempstar HVAC system serving heat & AC to main & lower levels " 10-year warranty 8/26 Installed new tension spring on garage door opener

5709 Laurel Ridge Road, Chattanooga

1 Beds ⋅ 1 Baths ⋅ 1540977 MLS

Welcome to Bridgeview, where low-maintenance living puts some of Chattanooga's best amenities right outside your door. This 1 bedroom, 1 bath condo at 4 Cherokee Boulevard offers an ideal opportunity for professionals, downsizers, frequent travelers, those seeking a Chattanooga pied-à-terre, or anyone who values a walkable lifestyle in the heart of the Northshore. Thoughtfully designed to make the most of its space, the condo features an open living area with a gas fireplace, updated flooring, abundant natural light, and water views that create a relaxing backdrop for everyday living. Step outside to the private patio for morning coffee, evening drinks, or simply a little outdoor space without the upkeep of a yard. Garage parking adds another layer of convenience for lock-and-leave living. The location is where this home truly stands apart. Walk to Renaissance Park, Coolidge Park, Whole Foods, local gyms, coffee shops, restaurants, boutiques, and Northshore favorites. From Bridgeview, you can easily access Chattanooga's Riverwalk, cross the Market Street Bridge into downtown, enjoy the riverfront, attend festivals and events, or head out for dinner--all without getting in the car. For those ready to trade home maintenance for more freedom, this condo offers an easy transition without giving up the lifestyle that makes Chattanooga special. It is equally well suited as a full-time residence, an in-town home base for frequent travelers, or a convenient Chattanooga retreat for those who divide their time between multiple locations. With secure, low-maintenance living, private outdoor space, water views, garage parking, and one of Chattanooga's most connected locations, this Bridgeview condo offers something increasingly valuable: the ability to spend less time maintaining where you live and more time enjoying where you live. Buyer to verify all information.

4 Cherokee Boulevard 321, Chattanooga

1 Beds ⋅ 1 Baths ⋅ 1540976 MLS

Here is your Opportunity to own a One Bedroom/One Bath Condominium at One Northshore! This immaculate unit has fresh paint, new carpet in bedroom and everything that you would expect for resort style living. Your new home will provide you with secure building access plus access to all amenities available at One Northshore including the Fitness Center and Absolutely the best pool area in Chattanooga. Walking distance to everything! Includes One Parking Space in the Gated/Secured Parking Garage. Schedule your showing today!

200 Manufacturers Road Apt 246, Chattanooga

3 Beds ⋅ 1 Baths ⋅ 1540965 MLS

One-Level Chattanooga Home on .43 Acre with a Private Backyard! Welcome to 1731 Jeanaga Trail in Chattanooga, Tennessee, a charming 3-bedroom, 1-bath, one-level home offering approximately 1,080 square feet of comfortable living space on a private lot. Step inside to a bright, inviting living area where large windows provide abundant natural light and an open floor plan creates an easy flow through the main living spaces. The kitchen offers generous cabinet and countertop space, a tile backsplash, and a large window overlooking the backyard. One of the property's standout features is the large, private backyard. With nearly a half acre of property, there's plenty of outdoor space for gardening, pets, recreation, entertaining, or simply enjoying a little extra privacy at home. The one-level floor plan makes everyday living convenient, while three bedrooms provide flexibility for family, guests, a home office, or hobby space. A one-car garage adds additional convenience for storage. Located in Chattanooga's 37406 area, the home provides convenient access to Wilcox Boulevard and connections to downtown Chattanooga, shopping, dining, medical facilities, employment centers, and recreation. Call today for additional info!

1731 Jeanaga Trail, Chattanooga

2 Beds ⋅ 3 Baths ⋅ 1540954 MLS

Beautifully remodeled 2 bedroom, 2.5 bath end-unit townhouse in the convenient Hickory Valley Manor Community. This home has been freshly updated with new paint throughout, , updated ceiling (popcorn texture removed) and features LVP flooring on both the main level and upstairs, creating a clean, modern and cohesive feel. Located just minutes from Hamilton Place Mall, Chattanooga Airport, Hwy 153 and I-75, this home offers easy access to shopping , dining, and mayor roadways. The main level features a welcoming foyer, spacious living area, dining area, kitchen, and a versatile family room with access to the rear vinyl-fenced yard. Upstairs, you'll find two generously sized bedrooms, each with its own full bathroom and plenty closets, plus a convenient laundry area. As a desirable corner/end unit, the property offers paved parking for up to three vehicles. The roof was replaced in 2023. The HOA does not allow rentals. Please note that the fireplace has been capped and should not be used. Schedule your private showing today and come see all this beautiful townhouse has to offer!

1817 Georgetown Lane, Chattanooga

3 Beds ⋅ 4 Baths ⋅ 1540962 MLS

Beautiful and spacious townhome in the highly desirable gated community of Hill Pointe, offering thoughtfully designed living spaces and stunning views of Signal Mountain and Stringers Ridge. This exceptional home features two primary suites, one conveniently located on the main level and another upstairs, each offering generous space and a private ensuite. A third bedroom with its own private ensuite provides an ideal setup for family members, guests, or a private retreat. The home also offers a large bonus room with endless possibilities--perfect for a home office, media room, playroom, or additional living space. Abundant storage, two cozy fireplaces, and elegant finishes add to the home's warmth and functionality. Step outside to the private, gated backyard, where the updated composite deck provides a wonderful space for relaxing or entertaining. Recent improvements include exterior paint completed within the last couple of years, interior walls freshly painted within the last month, and a brand-new range and dishwasher installed within the last year. The composite deck was completely renovated a few years ago, along with additional updates throughout the home. Located in a desirable area with scenic surroundings and low-maintenance living, this beautiful Hill Pointe townhome offers the perfect combination of comfort, space, privacy, and convenience. Information deemed reliable but not guaranteed. Buyer and/or Buyer's Agent is responsible for verifying all information deemed important to Buyer.

1685 Westover Lane, Chattanooga

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