Chattanooga Homes with FHA Financing available

Chattanooga Homes with FHA Financing available

Welcome to Chattanooga, Tennessee – a vibrant city nestled in the heart of Hamilton County, where Southern charm meets modern living. Known for its stunning natural beauty, Chattanooga is surrounded by the majestic Appalachian Mountains and the sparkling Tennessee River, offering residents an abundance of outdoor activities, from hiking and biking to fishing and boating. With a rich history and a thriving arts scene, the city boasts a unique blend of cultural attractions, including the renowned Tennessee Aquarium, the Hunter Museum of American Art, and the historic Walnut Street Bridge.

For those considering making Chattanooga their home, the real estate market offers a variety of options, including beautiful homes eligible for FHA financing. This means that first-time homebuyers and those looking to invest in the area can take advantage of lower down payment options and more flexible credit requirements, making homeownership more accessible than ever.

Chattanooga's neighborhoods are as diverse as its residents, with charming bungalows in the North Shore, family-friendly communities in Hixson, and modern townhomes in the bustling downtown area. Each neighborhood has its own unique character, providing a warm and inviting atmosphere for families, young professionals, and retirees alike.

Whether you're drawn to the city's rich history, its vibrant arts and culture, or the breathtaking outdoor landscapes, Chattanooga offers a welcoming environment that feels like home. With FHA financing options available, now is the perfect time to explore the wonderful homes that this enchanting city has to offer. Embrace the lifestyle you've always dreamed of in Chattanooga, where adventure and community await!

Newest Chattanooga Homes with FHA Financing available

900 Vine Street 9, Chattanooga
$230,000
1 Beds ⋅ 1 Baths ⋅ 1544580 MLS
Step into Chattanooga's history with this charming 1-bedroom, 1-bath condo in the Samuel Read House, nestled in the heart of the historic Fort Wood neighborhood! Rich in character and architectural charm, this unique residence offers the perfect blend of timeless details and modern conveniences. Unit 9 features its own private entrance overlooking the beautiful rear courtyard, providing a welcoming retreat just minutes from downtown Chattanooga. Inside, you'll find original architectural details, a spacious living area, and a generously sized bedroom. The kitchen features a new electric range and dishwasher, along with a cozy breakfast nook that could easily double as a home office. Recent improvements include fresh paint throughout, a new bathroom mirror, toilet, and ventilation, as well as cleaned ductwork in 2025 with new registers installed. A convenient laundry closet offers washer/dryer hookups and additional storage space. Beyond the condo itself, residents enjoy beautiful common areas that showcase the building's historic charm, a call box entry system for welcoming guests, and a dedicated basement storage unit for each residence. The HOA fee covers building insurance, grounds and structural maintenance, pest control, security, sewer, trash, and water. This condo offers an unbeatable location within walking distance of the University of Tennessee at Chattanooga and Erlanger Hospital, with convenient access to downtown dining, shopping, and entertainment. Whether you're looking for a charming primary residence or a low-maintenance Chattanooga retreat, Unit 9 at 900 Vine Street offers a rare opportunity to own a piece of Chattanooga history!

900 Vine Street 9, Chattanooga
1006 E 30th Street, Chattanooga
$250,000
3 Beds ⋅ 2 Baths ⋅ 1544579 MLS
Welcome to 1006 E 30th Street! This beautifully updated 3-bedroom, 2-full-bath home offers modern finishes, comfortable living spaces, and inviting outdoor areas. Step inside to find a bright and welcoming living room featuring attractive flooring, fresh neutral tones, and updated lighting throughout. The kitchen showcases white shaker-style cabinetry, granite countertops, subway tile backsplash, stainless steel appliances, and sleek black hardware, creating a stylish and functional space with plenty of cabinet and counter space. The primary bedroom offers a private full bathroom, while two additional bedrooms provide flexible space for guests, a home office, or other needs. Both bathrooms feature updated vanities, modern fixtures, and stylish finishes. A dedicated laundry room adds convenience to everyday living. Outside, enjoy a spacious covered front porch, perfect for relaxing, along with a covered rear porch overlooking the backyard. The property also offers off-street parking and outdoor space with room to make it your own. Conveniently located in Chattanooga with access to shopping, dining, and local amenities, this thoughtfully updated home combines modern style with everyday functionality. Schedule your private showing today and discover all this home has to offer!

1006 E 30th Street, Chattanooga
805 Poindexter Avenue, Chattanooga
$249,900
2 Beds ⋅ 1 Baths ⋅ 1544575 MLS
Location, location, location meets NEW, NEW, NEW! Welcome home to 805 Poindexter Avenue, conveniently located just through the tunnels in East Ridge. Sitting on a charming, elevated knoll, this turnkey bungalow has been completely overhauled with permitted updates including a brand-new roof, gutters, windows, HVAC, electrical, and plumbing system! From the moment you step onto the expansive front porch, you'll appreciate the detail. Inside, beautifully restored original hardwood floors pair with large new windows to create a light-filled, open living space. The oversized living area flows effortlessly into a formal dining room, perfect for hosting family and friends. The fully updated kitchen features custom cabinets, new stainless steel appliances (refrigerator included), and a main-floor laundry room with washer and dryer included! Custom, high-end lighting adds warmth and personality throughout the entire home. Both bedrooms offer generous double-hung closets for maximum storage, sharing a sparkling, brand-new full bath with custom tile surround. Out back, enjoy an oversized patio and a deep backyard that stretches into the woods, featuring a bonus outbuilding. With every detail already completed, all that's left to do is move in! owner/agent

805 Poindexter Avenue, Chattanooga
3614 Lerch Street, Chattanooga
$350,000
2 Beds ⋅ 1 Baths ⋅ 1544574 MLS
Welcome to 3614 Lerch Street, a charming 1930s Belvoir home that blends timeless character with thoughtful updates. This beautifully renovated home features an open-concept layout, original hardwood floors, and classic arched entryways that add to its character. The spacious kitchen is equipped with stainless steel appliances and opens to the inviting living room, where a functional gas fireplace creates a cozy focal point. A generous sunroom provides additional living space and plenty of natural light. The home offers two bedrooms and one full bath and has been meticulously maintained, including a new roof installed in 2023. Need additional space? The large detached garage and basement offer excellent potential for a workshop, home gym, studio, hobby space, or additional storage. Conveniently located in Belvoir and just minutes from Downtown Chattanooga, this home offers character, flexibility, and an ideal location. Schedule your private showing today!

3614 Lerch Street, Chattanooga
1809 Richmond Lane, Chattanooga
$385,333
3 Beds ⋅ 2 Baths ⋅ 1544568 MLS
Super convenient, one-level living in the heart of East Brainerd close to schools, parks, the shopping and restaurants and medical facilities of the Hamilton Place area and only 20 minutes to downtown Chattanooga. This 3 bedroom, 2 bath home with a double garage is situated on a cul-de-sac lot with a fenced back yard and is wooded in back for a nice privacy buffer. Recent updates and desirable features include new paint, new lighting, LVP and tile throughout, new appliances, vaulted ceilings, vinyl windows, an open floor plan, screened porch and more! Your tour begins with entry from a covered front porch to the great room which has a gas fireplace, French doors to the screened porch, access to the laundry room and garage, and is open to the kitchen and dining area. The kitchen has wood countertops, contrasting painted cabinetry, stainless appliances, a level dining bar, and a nice walk-in pantry. All of the bedrooms are spacious, including the primary which has a double tray ceiling, a walk-in closet and primary bath with dual vanity, jetted tub, and separate shower. The 2 additional bedrooms share the use of the hall guest bath which boasts an elongated vanity and a tub/shower combo. Simply a fantastic opportunity for the buyer seeking an updated one-level home in a convenient East Brainerd locale, so please call for more information and to schedule your private showing today. Information is deemed reliable but not guaranteed. Buyer to verify any and all information they deem important.

1809 Richmond Lane, Chattanooga
7801 Laurelton Drive, Chattanooga
$439,500
3 Beds ⋅ 3 Baths ⋅ 1544563 MLS
Location, location, location! 7801 Laurelton Drives best feature is that it is located in a great 1 street neighborhood, on a cul-de-sac, in the heart of East Brainerd & is only 5 minutes to the 100s of shops and restaurants that Hamilton Place has to offer. Not to mention you have convenient interstate access from Bonny Oaks too. Your main level features a spacious living room with high ceilings, kitchen with updated countertops, an eat-in kitchen, a separate dining room, and the primary suite that features an oversized sitting area, and lots of storage and closet space. Upstairs you have 2 bedrooms that are attached by a jack and jill bathroom. Both offer good closet space. And then you also have a spacious bonus room. Upstairs has a large storage closet and there is also attic storage at the top of the stairs. This well-maintained 3 bedroom, 2.5 bath home is move in ready. The owners not only took excellent care of the home while living there, but they did a great job getting it ready for the next owner. That pride of ownership shines just as brightly outside. The outstanding curb appeal greets you the moment you turn onto Laurelton Drive. No detail was missed in maintaining this property, including a spacious storage shed in the backyard that stays with the home!

7801 Laurelton Drive, Chattanooga
3612 Altamira Drive, Chattanooga
$285,900
3 Beds ⋅ 1 Baths ⋅ 1544562 MLS
Adorable Cottage in East Ridge! Discover the charm of this inviting 3-bedroom, 1-bath cottage nestled on the side of Missionary Ridge. Conveniently located near downtown shopping, dining, and everyday amenities, this home offers a wonderful combination of character, comfort, and convenience. Inside, you'll find a welcoming living room, a separate dining room, and a functional updated kitchen with stainless appliances, granite counters, providing a comfortable layout for everyday living and entertaining. With three bedrooms, there is plenty of flexibility for family, guests, or a home office. Outside, enjoy the level yard, a convenient carport, and two outbuildings offering additional storage for tools, equipment, hobbies, and more. Whether you're a first-time homebuyer, looking to downsize, or searching for an investment opportunity, this charming cottage is full of possibilities. Come see all the potential this East Ridge home has to offer!

3612 Altamira Drive, Chattanooga
4919 Carolyn Lane, Chattanooga
$199,000
2 Beds ⋅ 1 Baths ⋅ 1544536 MLS
Welcome to 4919 Carolyn Lane, a charming 2 bedroom, 1 bathroom home that's perfect for a first-time buyer or anyone looking to downsize. Inside, you'll find a comfortable layout with a bright living area and an eat-in kitchen that makes everyday living simple and convenient. The level yard offers plenty of room for pets, gardening, or outdoor gatherings, while the attached carport provides easy parking. Located just minutes from Brainerd, I-24, and downtown Chattanooga, this home combines comfort and convenience. Come see it today before it's too late!

4919 Carolyn Lane, Chattanooga
1637 Keeble Street, Chattanooga
$174,900
2 Beds ⋅ 1 Baths ⋅ 1544530 MLS
STOP SCROLLING! UNDER $175,000 IN EAST RIDGE -- MOVE-IN READY & NOT A FIXER-UPPER! FINALLY! An affordable home that doesn't come with a long list of expensive projects! Welcome to 1637 Keeble Street, priced at just $174,900 and offering MORE than you'd expect at this price! This charming 2-bedroom, 1-bath home features BEAUTIFUL WOOD FLOORS, a spacious kitchen with abundant cabinetry, a clean bathroom, METAL ROOF, NEWER HVAC, and a welcoming covered front porch. PLUS, something you rarely find in homes this size -- a DEDICATED INDOOR LAUNDRY ROOM! Washer, dryer, refrigerator, stove, and dishwasher are ALL INCLUDED! AND THE BACKYARD? WOW! Enjoy a spacious, mostly level, FENCED YARD with mature shade trees, plenty of room for pets, gardening, and entertaining, PLUS a HUGE DETACHED STORAGE BUILDING for tools, hobbies, equipment, or extra storage! LOCATION! LOCATION! LOCATION! Right in the heart of East Ridge, minutes from downtown Chattanooga, the airport, restaurants, shopping, and Costco in nearby Georgia! First-time buyer? Downsizing? Investor? This home delivers exceptional functionality and affordability WITHOUT the major renovation projects often found at this price! SPECIAL FINANCING INCENTIVE! Qualified buyers may receive a lender credit of up to 1% of the loan amount toward eligible rate buydown and/or closing costs through the owner's preferred lender, HomeRate Mortgage. Visit 423applynow.com for details. Subject to loan approval, program eligibility, and lending guidelines. $174,900! MOVE-IN READY! FENCED YARD! INDOOR LAUNDRY! DON'T MISS IT! Property is in a designated flood zone. Buyer to verify flood insurance requirements, square footage, schools, and all information deemed important. Schedule your showing TODAY!

1637 Keeble Street, Chattanooga
638 Ladd Avenue 82, Chattanooga
$589,000
4 Beds ⋅ 4 Baths ⋅ 1544529 MLS
Experience spacious luxury new construction at 638 Ladd Avenue conveniently located just minutes from downtown and North Shore. This 4 bed, 3.5 bath daily home has stunning westerly views of the mountains, a gourmet kitchen opening to a large living area with fireplace and built-in cabinetry. Upstairs has a large primary suite with vaulted ceiling, walk in closet and spa like bath. Two more spacious bedrooms upstairs with bath and don't miss the secret area off of the landing. Home also has an entry level guest suite with full bath that is perfect for parents or as an office. Finally, house has large laundry with built ins and a large two car garage. Don't miss the large deck in back for grilling and enjoying the outdoors. Fantastic financing incentives available!!! 3/2/1 rate buy down with preferred lender makes this house affordable for buyers!

638 Ladd Avenue 82, Chattanooga
1438 N Smith Street, Chattanooga
$499,900
6 Beds ⋅ 4 Baths ⋅ 1544518 MLS
Welcome home to this beautifully crafted 2 unit townhome that is constructed just like a duplex offering modern style, quality finishes, and an unbeatable location just minutes from Downtown Chattanooga. Each side has 3 bedrooms and 2 full baths. Step inside to discover an open-concept floor plan filled with natural light, featuring warm, contemporary finishes, 9 ft ceilings, and a stunning kitchen complete with white shaker cabinetry, quartz countertops, stainless steel appliances, a large island with seating, and a sleek vent hood. The spacious primary suite offers dual vanities and a walk-in closet, creating the perfect retreat after a long day. Outside, enjoy low-maintenance living with private parking and a stylish exterior with timeless curb appeal. Conveniently located just minutes from Downtown Chattanooga, you'll have quick access to some of the area's most popular destinations including Champy's, Topgolf Chattanooga, and Camp Jordan, along with shopping, dining, entertainment, and major highways for an easy commute. With high-end finishes and move-in-ready comfort, this is a smart choice for homeownership or investment.

1438 N Smith Street, Chattanooga
3475 Lockwood Circle, Chattanooga
$335,000
3 Beds ⋅ 2 Baths ⋅ 1544505 MLS
Welcome home to 3475 Lockwood Circle! This beautifully updated home is full of charm and ready for its next owner. Upstairs, you'll find three spacious bedrooms and a bright, inviting kitchen. Step out from the kitchen onto the screened porch for a relaxing evening retreat, or continue to the expansive deck to soak up the sun. The lower level adds even more versatility with a flex room perfect for entertaining, a convenient laundry area, and a one-car garage. Bonus: this home sits on a double lot, offering generous yard space and endless possibilities. Buyer to verify all information they deem important.

3475 Lockwood Circle, Chattanooga
Start Your Search