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

3 Beds ⋅ 3 Baths ⋅ 1539930 MLS

Welcome to your private retreat just minutes from Downtown Chattanooga! Nestled on a peaceful cul-de-sac street surrounded by the beauty of the hills, this home offers the perfect blend of convenience, comfort, and privacy. The desirable master suite is located on the main level and features a spacious walk-in closet. The main floor showcases beautiful hardwood and tile flooring, creating a warm and inviting atmosphere throughout. The open-concept design features a stunning cathedral ceiling in the great room with a balcony overlook, adding to the home's spacious feel. Enjoy the peaceful outdoors from the heated & cooled sunroom, complete with built-in bookcases and access to the custom-built deck overlooking a private wooded backyard. The outdoor living space is Maintenance Free & perfect for entertaining or relaxing, featuring a custom built-in firepit with swings where you can gather with friends and family and stay cozy on cool evenings. From the welcoming front porch, take in peaceful western views toward Signal Mountain. Located only 6.5 miles from Downtown Chattanooga, this home offers the rare combination of quiet hillside living with easy access to dining, shopping, entertainment, and all the city has to offer. Roof is only 4-5 yrs old!

4510 Pink Heather Trail, Chattanooga

3 Beds ⋅ 2 Baths ⋅ 1539923 MLS

Wonderful location offering the perfect blend of convenience and privacy. Ideally situated near popular restaurants, shopping and everyday amenities, This charming one-level home features three bedrooms and two bathrooms in a peaceful setting. The beautifully remodeled den is the heart of the home, showcasing a fireplace along with an electric insert that creates a warm and inviting space for relaxing or entertaining. Double-pane insulated vinyl windows were installed approximately 5-6 years enhance the home's energy efficiency and year-round comfort. The spacious eat-in kitchen features a double oven and French doors that open onto the back deck, providing the perfect setup for grilling, outdoor dining, or entertaining guests. Just off the kitchen, the conveniently located laundry room offers additional storage and pantry space. Step outside to enjoy the large fenced backyard and expansive deck-ideal for outdoor activities, gatherings, or simply unwinding in your own private retreat. A storage building provides space for lawn equipment, tools and other items that need protection from the elements. The sellers have also added a new drive-through driveway along with concrete steps leading down to the home, enhancing both accessibility and curb appeal. This home is currently zoned for highly rated Apison Elementary School, East Hamilton Middle School, and East Hamilton High School. Enjoy the convenience of nearby shopping, dining and everyday amenities while being tucked away from the hustle and bustle in a private setting. You'll also appreciate the benefit of low county taxes. Don't miss the opportunity to make this wonderful home your own. Schedule your private showing today!

2520 Standifer Hills Drive, Chattanooga

4 Beds ⋅ 2 Baths ⋅ 1539919 MLS

* MOTIVATED SELLER * NEW CONSTRUCTION * SELLER OFFERING FENCING INSTALLED WITH ACCEPTABLE OFFER -- Welcome to 918 Shallowford Rd--where modern comfort meets everyday convenience! This brand-new 4-bedroom, 2-bath ranch-style home offers 1,350 square feet of thoughtfully designed living space with a bright, open-concept layout perfect for both relaxing and entertaining. The seamless flow between the living, dining, and kitchen areas creates an inviting atmosphere with all new stainless-steel appliances and granite countertops, while the bedroom design and layout provides privacy and flexibility for families, guests, or even a home office. Step outside to enjoy the screened-in back porch--ideal for morning coffee or unwinding in the evenings without the bugs. There is also convenient parking in the back as well as the front. Conveniently located in Chattanooga, you'll love being just minutes from shopping, dining, and everyday essentials, making this home as practical as it is beautiful. Don't miss your opportunity to own a low-maintenance, move-in ready new construction in a prime location! **Buyer is responsible to verify any and all information deemed important. **House has been Virtually Staged and some items in pictures do not convey**

918 Shallowford Road, Chattanooga

2 Beds ⋅ 2 Baths ⋅ 1539915 MLS

Freshly updated, beautifully distinctive, and impossible to duplicate, this is the kind of home that immediately stands apart. Recent improvements include a brand-new, 400-square-foot deck, new flooring in the two upstairs bedrooms, fresh interior paint in select areas, freshly painted patio, new garage-door lock, and the refrigerator, range, and dishwasher were purchased in 2025 as well as a recently renewed, transferable Choice Home Warranty that doesn't expire until next July 2027. The sun-filled main level feels remarkably open and inviting, pairing sleek mid-century modern influence with inspiring pops of color and architectural personality. It is a refreshing departure from the ordinary, stylish without sacrificing comfort and perfectly suited for both everyday living and entertaining. Step outside to the expansive new deck overlooking just over 0.4 acres, offering uncommon breathing room in a location celebrated for its exceptional convenience. Downstairs, a finished studio apartment with its own private entrance and separate driveway adds an entirely different level of flexibility. Create a secluded home office, primary or guest suite, multigenerational living space, creative studio, private retreat, or explore the potential for supplemental rental income. Homes with this combination of individuality, usable land, versatile living space, recent updates, and everyday accessibility rarely come together in one property. For the buyer unwilling to settle for everyday average, this one is a true original.

742 S Germantown Circle, Chattanooga

3 Beds ⋅ 4 Baths ⋅ 1539899 MLS

Breathtaking Mountain Views, Oversized Garage & Everything's Included® in Asbury Oaks! Special Financing Incentives Available! Qualified buyers may receive $7,500 toward closing costs plus an interest rate buy-down opportunity that could lower monthly payments by hundreds of dollars. Ask for details! Welcome home to The Asbury at Asbury Oaks by Lennar, where modern comfort meets scenic mountain views and effortless one-level living. This thoughtfully designed home offers the perfect blend of style, functionality, and convenience--all in a beautiful setting you'll love coming home to. The popular Asbury floor plan features an inviting open-concept layout with spacious living areas, a well-appointed kitchen with a MASSIVE island, and a seamless flow that makes everyday living and entertaining easy. Enjoy your morning coffee while taking in the fabulous mountain views, or unwind in the evening surrounded by the peaceful beauty of your new neighborhood. A true standout feature is the oversized garage, providing exceptional space for larger vehicles, extra storage, hobbies, a workshop area, or all of your recreational gear. It's the kind of feature that makes daily life easier and adds long-term value to your home. And with Lennar's signature Everything's Included® package, you get the upgrades you want without the upgrade costs. Your new home comes complete with quartz countertops, stainless steel appliances including the refrigerator, washer and dryer, 2-inch blinds, smart home technology, and stylish designer finishes--all included from day one. Located in the desirable Asbury Oaks community, this home offers the perfect combination of peaceful mountain views and convenient access to shopping, dining, entertainment, and everything Chattanooga has to offer.

118 Asbury Oak Lane 118, Chattanooga

3 Beds ⋅ 2 Baths ⋅ 1539896 MLS

Now pre-selling, ready January 1! New Construction located in Lookout Valley, just minutes from downtown Chattanooga and conveniently close to I-24. Loads of upgrades, carpet free. This 1 level floor plan is perfect for entertaining family & friends. Loads of upgrades, carpet free, stainless steel appliances, fireplace, quartz countertops, 9' ceilings, 2 car garage, private backyard, oversized free standing tub and tile shower. Buyer to verify anything of concern, including but not limited to schools, sf, and taxes. Personal Interest applies as listing agent has ownership interest.

1218 Judys Lot 17 Lane, Chattanooga

2 Beds ⋅ 2 Baths ⋅ 1539886 MLS

Looking for the perfect place to call home? This charming two-bedroom, two-bathroom, one-level home is an excellent choice for first-time buyers, retirees, or anyone looking to downsize without sacrificing comfort or style. The thoughtfully designed layout maximizes space and functionality, making everyday living both easy and enjoyable. With its single-level floor plan, this home offers easy accessibility, ideal for those who prefer to avoid stairs or are planning for the future. Imagine starting your next chapter in a space that feels just right--where every room invites you to relax, entertain, and envision your future. The bright and airy living areas provide a welcoming atmosphere, while the well-appointed kitchen is perfect for preparing meals and gathering with loved ones. Both bedrooms offer ample closet space, and the two bathrooms are designed with convenience and comfort in mind. Located in a neighborhood with nearby amenities, this home provides the perfect balance of tranquility and accessibility. Call to schedule a private tour. Your perfect home is waiting!

1108 Everett Drive, Chattanooga

6 Beds ⋅ 3 Baths ⋅ 1539884 MLS

Welcome to 9100 Tennga Lane, a rare opportunity to own a spacious 6-bedroom home in the highly sought after Hurricane Creek community. With 6 bedrooms, 3 full baths, a dedicated office, and a large bonus room, this home offers the flexibility today's buyers are looking for whether that's working from home, hosting guests, or creating room for a growing family to spread out. Inside, you'll find a freshly updated interior featuring hardwood floors, new paint throughout, stylish barn-style sliding doors, and an open, functional layout built for everyday living and entertaining. The main-level primary suite adds everyday convenience, while oversized windows fill the home with natural light. The kitchen serves as the true centerpiece, with custom cabinetry, generous storage, and elevated finishes that flow seamlessly into the living area, anchored by a striking stacked-stone fireplace. Located just minutes from Gunbarrel Road, you'll have quick access to shopping, dining, and everyday conveniences, all while being zoned for West View Elementary and East Hamilton schools. Hurricane Creek also offers optional access to a neighborhood pool, tennis courts, and clubhouse, adding even more lifestyle value.

9100 Tennga Lane, Chattanooga

3 Beds ⋅ 3 Baths ⋅ 1539881 MLS

Welcome to 409 Lowell St, a beautifully maintained 3-bedroom, 2.5-bath home offering 1,884 square feet of comfortable living space in the highly convenient Red Bank area of Chattanooga. This move-in ready home features fresh interior paint, a functional floor plan, and numerous recent updates that provide peace of mind for years to come. The inviting living room features a cozy fireplace, creating the perfect space to relax or gather with family and friends. The home also offers a 2-car attached garage and a fenced-in backyard ideal for pets, entertaining, or enjoying the outdoors. Major improvements include a new roof installed in 2022, HVAC system replaced in 2024, septic tank replaced in 2025, and siding around the chimney updated in 2026. The retaining wall has also been professionally secured by AFS and includes a lifetime of the structure transferable warranty, providing added confidence for the next homeowner. Conveniently located just minutes from the popular North Shore area, downtown Chattanooga, shopping, dining, and outdoor recreation, this home offers the perfect combination of comfort, updates, and location. Whether you are looking for your first home, a place to grow, or a low-maintenance property close to everything Chattanooga has to offer, 409 Lowell St is a must-see!

409 Lowell Street, Chattanooga

3 Beds ⋅ 2 Baths ⋅ 1539876 MLS

Welcome to your beautifully renovated, move in ready home in Chattanooga! This charming one level rancher offers the perfect blend of classic character and modern updates. Thoughtfully remodeled from top to bottom, you'll enjoy peace of mind with major improvements already completed, including updated electrical, plumbing, HVAC, windows, roof, and more, all done with proper permits. Step inside to a spacious living room that flows seamlessly into a cozy, knotty pine den that is perfect for relaxing evenings or entertaining guests. The adjoining dining area creates a warm and inviting space for gatherings, while the bright kitchen features granite countertops, a stylish tile backsplash, and plenty of charm. The home offers generously sized bedrooms and updated bathrooms with modern vanities, providing comfort and functionality for everyday living. Outside, you'll love the welcoming curb appeal and fenced backyard, ideal for pets, play, or outdoor entertaining. Conveniently located near St. Elmo and just minutes from downtown Chattanooga, this home combines location, updates, and easy one level living all in one. Don't miss your opportunity to own a fully updated home with timeless charm! Schedule your showing today!

4116 Grand Avenue, Chattanooga

4 Beds ⋅ 3 Baths ⋅ 1539866 MLS

Beautifully updated 4-bedroom, 2.5-bath brick home in the highly desirable Brandermill Estates! Conveniently located just minutes from Hamilton Place, shopping, restaurants, and interstate access, this move-in-ready home offers 2,279 square feet of thoughtfully updated living space. A dramatic two-story foyer welcomes you inside, where you'll find a home office, formal dining room, spacious living area, and a bright sunroom. The updated kitchen features granite countertops, newer stainless steel appliances, and a breakfast nook. The oversized fourth bedroom/bonus room offers two separate living spaces, providing endless flexibility for a playroom, media room, home gym, or guest suite. The primary suite includes a large garden tub and separate tiled shower. Recent updates include replacement windows, both HVAC units, attic insulation, a new 12' x 18' deck, LED lighting throughout, two beautiful bay windows, and extensive built-in shelving in the garage and pantry. Enjoy the level, private backyard complete with an outbuilding for additional storage. This well-maintained home combines quality updates, flexible living space, and an outstanding location--ready for its next owner!

8324 Grinder Creek Place, Chattanooga

3 Beds ⋅ 3 Baths ⋅ 1539813 MLS

Come see the spacious Decorated model Henley floorplan by Parkside Builders featuring beautiful designer finishes and Spray foam insulation! Enjoy beautiful views of Lookout Mountain and historical Coosa Mill also known as Mill Town. Home may qualify for Incentive. Ask agent for details. Decorated model hours are Wednesday -Saturday 10-5 Sunday 12-5.

2431 Twill Place, Chattanooga

Start Your Search