Chattanooga Homes with Conventional Financing available

Chattanooga Homes with Conventional Financing available

Welcome to Chattanooga, Tennessee – a vibrant city nestled in the heart of Hamilton County, where breathtaking natural beauty meets a rich tapestry of culture and history. Known for its stunning mountain vistas and the picturesque Tennessee River, Chattanooga is a haven for outdoor enthusiasts and city dwellers alike. With a mild climate and an abundance of parks, hiking trails, and waterways, it’s no wonder that this charming city has been recognized as one of the best places to live in the United States.

Chattanooga boasts a thriving arts scene, with galleries, theaters, and live music venues that showcase local talent. The city is also home to the acclaimed Tennessee Aquarium, the Creative Discovery Museum, and the historic Lookout Mountain, offering endless opportunities for family fun and exploration. The bustling downtown area features an array of dining options, boutique shops, and a lively nightlife, making it a perfect place for both relaxation and entertainment.

For those looking to make Chattanooga their home, there’s an array of beautiful properties available, with conventional financing options accessible to prospective buyers. Whether you’re seeking a charming bungalow in a historic neighborhood or a modern condo with river views, the real estate market here offers something for everyone. With competitive pricing and a variety of financing options, owning a piece of this enchanting city is within reach.

Discover the warmth and welcoming spirit of Chattanooga, where your dream home awaits amidst breathtaking landscapes and a vibrant community. Come explore the possibilities and find your perfect slice of Tennessee paradise!

Newest Chattanooga Homes with Conventional Financing available

Taylor Street, Chattanooga
$49,500
1545274 MLS
Discover the possibilities with this unique 0.37-acre property on Taylor Street in East Chattanooga! Featuring three combined lots nestled in a cul-de-sac, this property offers an excellent opportunity to build the home of your choice. Zoned R-1 Residential, it provides a great starting point to bring your vision to life in a quiet residential setting.

Taylor Street, Chattanooga
1191 Norfolk Green Circle, Chattanooga
$485,000
4 Beds ⋅ 3 Baths ⋅ 1545265 MLS
Fantastic opportunity in the established Heritage Green neighborhood in the heart of East Brainerd close to schools, parks, medical facilities and the shopping and restaurants of the Hamilton Place area. This 3 or 4 bedroom, 2.5 bath home boasts a great floor plan and tons of potential with many coveted features including hardwood floors, specialty ceilings, crown moldings, plantation shutters, the primary on the main, a 3-car garage, a rear deck and patio area, and it is positioned on a corner lot across the street from the community pool and school bus stop. Your tour of the home begins with entry to the dedicated foyer that opens to the dining room on your left and leads to the 2-story great room. The great room is spacious and has a cozy gas fireplace, access to the rear deck and an enlarged doorway to the kitchen and breakfast area. The kitchen has granite countertops, tile backsplash, stainless appliances, a hall pantry and is open to the sunny breakfast which in turn opens to the keeping room. The powder room, mud area with lockers, and the garage are just steps away which is perfect for easy loading and unloading. The primary bedroom is on the opposite side of this level and has a double trey ceiling, recessed lighting and plantation shutters, as well as the primary bath with a dual vanity, soaking tub, separate shower and a walk-in closet. Head upstairs where you will find two additional bedrooms, a shared bath with separate vanities, plus a bonus room or very large 4th bedroom. The landscaping includes a variety of perennials and with a little work could be returned to its former glory. In addition to the community pool, the neighborhood offers great walkability and has a central park with a gazebo and is only about 20 minutes from downtown Chattanooga, 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.

1191 Norfolk Green Circle, Chattanooga
222 Oliver Street, Chattanooga
$419,000
2 Beds ⋅ 3 Baths ⋅ 1545258 MLS
Experience the charm of North Shore living in this beautifully designed custom townhome, ideally situated just one block from the pedestrian bridge and within walking distance of Chattanooga's beloved North Shore restaurants, boutique shopping, parks, and Tennessee River waterfront. With its inviting character, thoughtful upgrades, and exceptional location, this home offers an ideal blend of comfort, convenience, and sophisticated urban living. The main level welcomes you with 9-foot ceilings, elegant crown molding, hardwood floors, and a cozy propane gas fireplace that creates a warm and inviting atmosphere. The thoughtfully designed eat-in kitchen features custom cabinetry, a tile backsplash, under-cabinet lighting, and appliances. A convenient half bath and single-car garage add to the home's everyday functionality. Upstairs, both bedrooms offer private en-suite bathrooms and walk-in closets, creating comfortable and private retreats. The conveniently located laundry room includes a washer and dryer for added ease. The primary suite is especially inviting, featuring a private balcony and an upgraded bathroom complete with a separate his-and-hers vanity, linen tower, five-foot soaking tub, and a separate shower with body sprays. Outdoor living is just as appealing, with a welcoming front porch, side deck, and private balcony providing lovely spaces to enjoy a quiet morning or unwind at the end of the day. For those relocating to Chattanooga or simply looking to enjoy a more connected lifestyle, this custom townhome offers a wonderful opportunity to experience the best of North Shore living. Enjoy the ease of walking to local favorites, spending time along the riverfront, and exploring the vibrant character of one of Chattanooga's most desirable neighborhoods--all while coming home to a space that feels both refined and welcoming.

222 Oliver Street, Chattanooga
4399 Lost River Lane, Chattanooga
$949,000
3 Beds ⋅ 3 Baths ⋅ 1545256 MLS
Under construction in Black Creek - estimated completion January 2027. Selections are made, and the photos are renderings for illustration only; final finishes may vary. The Orchard Hill plan is a one-level home with 3 bedrooms, 3 full baths and 2,021 sq ft on a crawl space, with 10-ft ceilings, 2x6 walls and coffered ceilings in the great room and foyer. The great room centers on a wood-burning fireplace with stone to the ceiling. The kitchen has a farmhouse sink, a pot filler over the 36-in gas range, quartz counters with a full quartz backsplash wall, an island, a pantry and a desk. It also has a GE Cafe appliance package (refrigerator, range, wall hood, built-in microwave and dishwasher), soft-close cabinets with a trash pull-out, and LED under-cabinet lighting. The primary suite offers a freestanding tub, a walk-in tile shower tiled to the ceiling with frameless glass, a quartz double vanity and a walk-in closet with a shelving system. A second bedroom suite, a study/third bedroom and a third full bath with a walk-in shower complete the plan, along with a gallery, a mud room with built-ins and a laundry room. Throughout: LVP flooring, tile baths, Delta fixtures, comfort-height toilets, Kichler lighting with chandeliers and island pendants, and smooth walls. Systems include a gas tankless water heater, a dual-fuel HVAC system, 200-amp service and Cat 6 wiring. The exterior has fiber-cement board-and-batten and lap siding with brick and herringbone brick-paver porches, architectural shingles with standing-seam metal accents, copper half-round gutters, aluminum-clad windows and a mahogany front door. Outside are a screened porch, a 26-ft front porch with pine ceilings, a 2-car garage, a concrete driveway and sod. Black Creek amenities include golf, a clubhouse, a pool, tennis and pickleball, about 20 minutes from downtown Chattanooga.

4399 Lost River Lane, Chattanooga
4387 Lost River Lane, Chattanooga
$1,089,000
4 Beds ⋅ 4 Baths ⋅ 1545254 MLS
Under construction in Black Creek - estimated completion February 2027. Selections are made, and the photos are renderings for illustration only; final finishes may vary. The Beaumont plan offers 4 bedrooms, 4 full baths and 2,741 sq ft. Three bedrooms are on the main level, including the primary suite, and the upstairs holds a bedroom, a full bath, a flex room and storage. The home sits on a crawl space with 10-ft main-level ceilings and 2x6 walls. The living room has a wood-burning fireplace with brick to the ceiling, and the dining room features post-and-beam detail. The kitchen has quartz counters and backsplash with waterfall ends, a two-tone island and range hood, a pot filler and a pantry. It also has a GE Cafe appliance package (refrigerator, 36-in gas range, wall hood, built-in microwave and dishwasher), soft-close cabinets with a trash pull-out, and LED under-cabinet lighting. The primary suite offers a wood-detailed tray ceiling, a freestanding tub, a walk-in shower tiled to the ceiling with frameless glass, a quartz double vanity and a walk-in closet with a shelving system. Each secondary bath has its own tile design. Throughout: LVP flooring, a checkerboard foyer, a mud room, a laundry room with cabinets, Delta fixtures, Kichler lighting and smooth walls. Systems include a gas tankless water heater, a dual-fuel HVAC system, 200-amp service and Cat 6 wiring. The exterior has fiber-cement siding, a brick front with cast-stone lintels, shutters, architectural shingles with standing-seam metal accents, black aluminum-clad windows and a mahogany front door with sidelights. Outside are a screened porch, a 32-ft front porch with pine ceilings, a 2-car garage, a concrete driveway and sod. Black Creek amenities include golf, a clubhouse, a pool, tennis and pickleball, about 20 minutes from downtown Chattanooga.

4387 Lost River Lane, Chattanooga
214 Houser Street, Chattanooga
$410,000
4 Beds ⋅ 2 Baths ⋅ 1545247 MLS
-- Offering 2% lender credits when using preferred lender -- Welcome to 214 Houser Street, a beautifully renovated duplex in the heart of North Chattanooga--offering the perfect blend of modern living and income-producing potential. Each unit has been thoughtfully updated with fresh finishes, upgraded kitchens, and contemporary bathrooms, creating a move-in-ready opportunity for both homeowners and investors alike. Whether you're looking to house-hack--live in one unit and rent out the other--or expand your portfolio with a turnkey investment, this property checks every box. With strong rental demand in the area, you'll enjoy steady income potential and long-term appreciation. Located just minutes from Downtown Chattanooga, this home puts you steps away from the city's best restaurants, coffee shops, and nightlife along Frazier Avenue and the Riverfront District. Walk or bike to Coolidge Park, enjoy local events at the Walnut Street Bridge, and take in all the energy of one of Tennessee's fastest-growing urban neighborhoods. With its unbeatable location, dual-unit flexibility, and stylish renovations, 214 Houser Street represents an exceptional opportunity to live, invest, and grow in the heart of Chattanooga.

214 Houser Street, Chattanooga
8258 Chula Creek Road, Chattanooga
$450,000
3 Beds ⋅ 2 Baths ⋅ 1545240 MLS
If you've been searching for a one-level property with all the bells and whistles you've found it! 8258 Chula Creek offers updated kitchen and (2) full baths. You'll enjoy hardwood floors, details such as built in bookcases, TWO gas log fireplaces and a spacious Primary Suite complete with extra large walk in closet. The cherry on top is the dedicated space for a Sunroom! The home is situated at the end of a cul de sac and is wide rather than narrow! With a fenced in yard, large patio with pergola and more than ample guest parking this home won't be available long! Call for your appointment today!

8258 Chula Creek Road, Chattanooga
207 W Daytona Drive W, Chattanooga
$310,000
2 Beds ⋅ 1 Baths ⋅ 1545231 MLS
*Red Bank charmer with room to grow!* Welcome to this adorable 2-bedroom, 1-bath brick home in the heart of Red Bank! Whether you're a car enthusiast, someone needing extra storage, or a buyer looking for a home with incredible potential, this property has so much to offer! One of the standout features is the abundance of parking! With both an attached garage and a carport, plus plenty of additional parking space, there's room for your vehicles, hobbies, and projects! Step inside and discover beautiful hardwood floors, charming built-in cabinetry, and timeless character throughout. A newer roof and HVAC system provide added peace of mind, while the home offers a fantastic opportunity to make a few cosmetic updates and truly make it your own! Need more space? The basement offers exciting possibilities for future expansion! Imagine converting a portion into an additional bedroom, bathroom, home office, or flex space. There's plenty of room to get creative! Outside, you'll find a generously sized yard with a private backyard setting and no immediate rear neighbors overlooking your space. Although the property sits on a hillside, the driveway offers a surprisingly level parking area! The backyard has plenty of potential for an outdoor entertaining area, garden, or even a future pool! Don't forget the screened-in porch, perfect for enjoying your morning coffee, relaxing after a long day, or spending weekends entertaining friends and family! Located just minutes from shopping, dining, parks, and downtown Chattanooga, you'll love the convenience of living in Red Bank, a community that continues to grow and become increasingly desirable! With its charming character, newer major systems, generous parking, and endless possibilities, this home is ready for its next chapter! Schedule your private showing today and come see the potential for yourself!

207 W Daytona Drive W, Chattanooga
2707 Saint Lawrence Road, Chattanooga
$354,900
3 Beds ⋅ 2 Baths ⋅ 1545222 MLS
One-Level Ranch Home - Move-In Ready! Look no further! This beautifully renovated one-level ranch home is located in a highly desirable, family-friendly neighborhood and offers the perfect combination of comfort, style, and convenience. The open-concept floor plan features a stunning new kitchen with granite countertops, an impressive 8.5-foot center island with bar-top seating, and a spacious living area enhanced by crown molding. Recent updates include renovated bathrooms, new flooring, a new HVAC unit, water heater, roof, electrical panel, grounding rod, and much more. Enjoy year-round versatility in the all-purpose sunroom, while the encapsulated crawlspace with humidity control and fan provides added peace of mind. Storage is abundant throughout the home, with generous closets and custom-built storage cabinets and workshop space in the garage that convey with the property. Situated in a quiet subdivision with county taxes only, this well-maintained home is within walking distance of Standifer Gap Park and playground. With so many major improvements already completed, you can move in and enjoy worry-free living for years to come. This truly is a turnkey home you won't want to miss!

2707 Saint Lawrence Road, Chattanooga
3863 Bonny Oaks Drive, Chattanooga
$180,000
3 Beds ⋅ 2 Baths ⋅ 1545215 MLS
Convenient Location with Plenty of Potential! Welcome to 3863 Bonnie Oaks Drive! This 3-bedroom, 2-bath home is situated on a generously sized lot and offers a great opportunity for someone looking to make a home their own. With room for improvements and personal touches, this property offers plenty of possibilities! Outside, you'll find a large storage building, perfect for tools, lawn equipment, or additional storage, along with a playset that will also remain with the property. One of the biggest highlights is the location! Conveniently situated with easy access to Hixson, Hamilton Place, and downtown Chattanooga, you'll enjoy being close to shopping, dining, entertainment, and everyday conveniences. Whether you're looking for a place to call home or a property with possibilities, 3863 Bonnie Oaks Drive is worth a look! Come take a look, imagine the possibilities, and see how you could make this house your own

3863 Bonny Oaks Drive, Chattanooga
7468 Noah Reid Road, Chattanooga
$3,500,000
7 Beds ⋅ 10 Baths ⋅ 1545200 MLS
Welcome to 7468 Noah Reid Rd, a truly special property that boasts a custom modern farmhouse with meticulous attention to detail that is situated on 12.06 +/- acres with scenic views, its own field house, a full-sized soccer field with pavilion, a 4-bay garage and your own gated entry. All of this, and it is only 20 minutes to downtown Chattanooga and convenient to schools, shopping, restaurants, hospitals, and the Chattanooga Airport. The home boasts wonderful amenities, including 7 bedrooms, 6 full and 3 half baths, a 1 bedroom/1 bath guest apartment with separate entry, a wrap-around covered porch, a rear patio with built-in grill, an upper level deck, an open floor plan, spacious rooms, vaulted and beamed ceilings, hardwood and tile floors, quartz countertops, shiplap accents, decorative lighting, the primary suite on the main, 2 laundry rooms, and great storage - just to name a few. Your tour of the home begins with the double door entry into the dedicated foyer which opens then to the enormous great room and dining room. The great room has space for 2 conversation areas if desired and has a mountain stone gas fireplace, an adjoining powder room, French doors to the side covered porch on one side and the rear patio area on the other. This comfortable living area opens to the dining room which has a gas fireplace with brick surround and a soapstone hearth, French doors to the rear patio, a built-in desk area leading to the primary suite, a delightful slide from the second floor family/bonus room, and it opens to the gourmet kitchen providing a great flow for both gathering and entertaining. The kitchen's centerpiece is the oversized island which is perfect for casual meals or visiting with the home chef in a warm and inviting setting. It also boasts quartz countertops, tile backsplash, custom soft-close cabinetry, Wolf gas range with double oven, pot-filler, 2 dishwashers, a separate ice maker, 2 refrigerators and a walk-in pantry. The primary suite is a retreat unto itself and has a seating alcove, French doors to the patio, and a barn door to the primary bath with dual vanity, free standing soaking tub, double shower with tile and glass surround and a walk-in closet that has a pocket door to the laundry room. The laundry room has a stainless farm sink, plenty of counter space and is also accessible from the hallway. There are 2 additional bedrooms with walk-in closets that are adjoined by a shared bath, plus another bedroom suite with private bath that would also make a nice study. A mud area with lockers, another half bath and the 4-bay garage round out this level. The second floor living space mirrors the first floor with a large open "L" shaped area that is perfect for a bonus room and a rec room and has access to the rear deck. There is also a convenient half bath, a hobby or storage room for toys and games, an office, a wrapping room, and 2nd laundry room in addition to 3 bedroom suites and the guest apartment. 2 of the bedrooms have built-in bunks, sitting areas, walk-in closets and private baths with one of the baths having a triple vanity, private water closet and 2 separate showers - perfect for sharing. The guest apartment is at the end of the hall by the second set of stairs, and it also has a private set of stairs to the garage. It boasts a kitchen that is open to the living room, a shared bath and a large bedroom. The 3rd level provides another bonus room, walk-out storage and a special room with windows on 2 sides to take advantage of the scenic setting. This room would make a wonderful light-filled room for meditation or studio space with views of our local mountains. Head outside to the field house where you will find an indoor turfed facility with speakers, 2 half baths, a gym area, a storage area, and a covered patio overlooking the half-court sized basketball pad. Next stop, the covered pavilion with half bath that is perfectly positioned on the hillside overlooking the soccer field providing a shady spot to watch all of the fun and games. Please call about this unique opportunity to own this very special property and to schedule your private showing today. Pre-qualification or proof of funds is required at the time of showing request plus 24-48 hours' notice. Information is deemed reliable but not guaranteed. Buyer to verify any and all information they deem important.

7468 Noah Reid Road, Chattanooga
9004 Wilma Drive, Chattanooga
$375,000
3 Beds ⋅ 2 Baths ⋅ 1545193 MLS
Welcome to 9004 Wilma Drive in convenient East Brainerd! This lovingly maintained 3 bedroom, 2 bath home sits at the end of a cul-de-sac. 1-LEVEL LIVING, private back deck and spacious side yard, with easy access to some of Chattanooga's most popular areas. This charming home offers a comfortable and functional layout with an attached 2-CAR GARAGE. A welcoming COVERED FRONT PORCH leads inside to the living room with VAULTED CEILING and a stone WOOD-BURNING FIREPLACE, creating an inviting space to gather and relax. Step out onto the BACK DECK overlooking a PRIVATE YARD with plenty of room to garden, entertain, or enjoy time outside. Established blueberry bushes add a unique touch, producing approximately 6 gallons of blueberries last year! Thoughtfully cared for over time, the home also features an ENCAPSULATED CRAWL SPACE, AFS-stabilized driveway, underground sprinkler system, Cooks Pest Control termite stations, and major systems that have been updated throughout the years and diligently serviced regularly. East Brainerd offers convenient access to Hamilton Place's wide selection of shopping and dining, I-75, Chattanooga Airport, Enterprise South, and Downtown Chattanooga. This home offers the best of established living with easy access to everything Chattanooga has to offer. Schedule your private showing today! (Buyer to verify square footage. Some images may be virtually staged. Buyer is responsible for doing their due diligence to verify that all information is correct, accurate, and for obtaining any and all restrictions for the property deemed important to Buyer.)

9004 Wilma Drive, Chattanooga
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