Chattanooga Homes with USDA Loan Financing available

Chattanooga Homes with USDA Loan Financing available

Welcome to Chattanooga, Tennessee—an enchanting city nestled in the picturesque foothills of the Appalachian Mountains. Known for its stunning natural beauty and vibrant cultural scene, Chattanooga offers residents a unique blend of outdoor adventures and urban conveniences. With the Tennessee River winding gracefully through the city, opportunities for kayaking, hiking, and exploring the scenic Lookout Mountain await you at every turn.

Chattanooga is not just a haven for nature lovers; it boasts a rich history and a thriving arts community. The city's revitalized downtown area features an array of shops, galleries, and restaurants, making it a delightful destination for both locals and visitors. The famous Tennessee Aquarium and the iconic Walnut Street Bridge are just a couple of highlights that showcase the city's charm and character.

For those considering making Chattanooga their home, you'll be pleased to know that many properties in the area qualify for USDA loan financing. This means you can potentially secure a home without a down payment, making it an ideal option for first-time homebuyers or those looking to relocate. The USDA loan program is designed to promote homeownership in rural and suburban areas, and Chattanooga fits the bill perfectly with its friendly neighborhoods and affordable housing options.

Whether you’re drawn to the breathtaking landscapes, the warm community spirit, or the financial advantages of USDA financing, Chattanooga is a place where you can truly thrive. Discover your dream home in this vibrant city and embrace all the wonders it has to offer!

Newest Chattanooga Homes with USDA Loan Financing available

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

3 Beds ⋅ 3 Baths ⋅ 1539796 MLS

Welcome to 1616 Cotton Way, a nearly new home in Chattanooga's desirable Mill Town community. Built in 2025, this thoughtfully designed home offers approximately 1,794 square feet with three bedrooms, two-and-a-half bathrooms, and a spacious upstairs bonus room that provides flexibility for a home office, media room, or additional living space. The open-concept main level features a well-appointed kitchen with generous cabinet space and a custom pantry designed for additional storage and organization. This home also comes with custom window treatments, adding a refined finishing touch throughout the interior. Upstairs, the spacious bedrooms provide comfortable retreats, including a private primary suite. The two-car, alley-loaded garage has been upgraded with a durable epoxy floor and built-in shelving, creating a clean and functional space for parking, storage, hobbies, or a home workshop. Located directly across from a beautifully landscaped community green space, this home offers a welcoming view and easy access to outdoor space. Enjoy a convenient Chattanooga location near downtown, dining, shopping, entertainment, and the ongoing redevelopment of the historic Coosa Mill. The seller is offering **$5,000 toward the buyer's closing costs with an acceptable offer**, making this an opportunity you will not want to miss!

1616 Cotton Way, Chattanooga

4 Beds ⋅ 3 Baths ⋅ 1539766 MLS

Finding true acreage in the heart of East Brainerd is almost unheard of--and finding it paired with seamless one-level living makes this property an absolute gem! Enjoy the perfect blend of privacy, room to roam, and day-to-day convenience, all just minutes from top-rated schools, shopping, and dining. Step inside to discover soaring 10-foot ceilings, warm solid wood floors, and gorgeous transom windows that flood the space with natural light and timeless character. The inviting living room serves as the heart of the home, featuring recessed lighting and a classic brick gas fireplace. Designed for easy, comfortable living, the single-level layout offers three generous bedrooms, two-and-a-half baths, and a bright bonus room right off the living area--ideal for a fourth bedroom, home office, playroom, or cozy sitting space. The kitchen is a chef's dream, outfitted with rich cherry cabinets, a spacious walk-in pantry, tile flooring, and storage galore. Nearby, the oversized laundry room is a functional power house that easily doubles as a craft or hobby room, complete with a built-in sink, a work table, and a dedicated sewing machine table. Storage is truly endless here, boasting ample closet space throughout, an encapsulated basement, and a massive attic ready for all your seasonal items. Outside, the private grounds continue to impress. Unwind on the charming screened front porch or relax on the covered back porch overlooking your peaceful acreage. The property is fully equipped for hobbies, storage, and projects with an established garden, two storage sheds, and a full barn equipped with electricity. An extended driveway and dedicated parking pad ensure plenty of room for guests, vehicles, or equipment. Rare single-level gems on acreage like this in East Brainerd don't stay on the market long--schedule your private tour today! **$10,000 seller-paid allowance at closing-perfect for personalizing flooring, paint, or custom finishes to fit your taste. **

1104 Morris Lane, Chattanooga

5 Beds ⋅ 3 Baths ⋅ 1539742 MLS

Investor special with major head start! This 5-bedroom 1920s home is the perfect opportunity for your next flip or rental project. Renovations have already begun, saving you time and money--featuring new electrical, new HVAC, and new drywall already in place. With its classic charm and generous layout, this property is ready for your finishing touches. Endless potential for investors or contractors looking for a project with strong upside. Being sold as-is--bring your vision and turn this property into something special! Has 2 storage sheds in the back as well! Agent has an ownership interest in Owner/Entity. All information deemed reliable but not guaranteed. Buyer/Buyers Agent to verify. The property was purchased via tax sale. Buyer will receive a WARRANTY DEED.

4615 Old Mission Road, Chattanooga

4 Beds ⋅ 3 Baths ⋅ 1539225 MLS

Don't miss this beautifully renovated 4-bedroom, 3-bath home that's been completely remodeled from top to bottom. Every detail has been thoughtfully updated, including a new roof, brand-new granite countertops, new appliances, new luxury vinyl plank flooring, new carpet, fresh paint throughout, and all-new lighting and plumbing fixtures. Step outside to enjoy the spacious new deck overlooking the backyard--perfect for entertaining or relaxing. With modern finishes and generous living space, this move-in-ready home offers the perfect blend of style, comfort, and convenience. For added peace of mind, the sellers are including a one-year home warranty through First American Home Warranty. Schedule your showing today!

4703 Ranger Lane, Chattanooga

4 Beds ⋅ 2 Baths ⋅ 1539213 MLS

Whether you're looking to grow your investment portfolio or offset your mortgage by living in one side and renting the other, this turnkey single level duplex is full of opportunity. Situated on a spacious ¼-acre lot, this well-maintained property offers major mechanical updates already completed, allowing you to enjoy peace of mind while adding your own cosmetic touches over time. Each single-level unit includes a refrigerator, and one unit already has a washer and dryer in place, and NO carpet, making it move-in or rent-ready from day one. The spacious basement provides abundant storage, while the large deck- rebuilt approximately six years ago-overlooks the expansive backyard, creating a great space to relax or entertain. A new extended parking pad, sidewalk, privacy fence, and updated porch railings enhance both curb appeal and functionality. Extensive improvements include HVAC updates on both units, including a brand-new HVAC system on the left side in 2026 and rebuilt air handlers with new ductwork on both sides in recent years. The basement has also been professionally encapsulated and features a commercial-grade sump pump and dehumidifier for added protection. County taxes only (no city taxes). Conveniently located just minutes from shopping, restaurants, and everyday amenities, this duplex is an excellent opportunity for investors or buyers looking to live in one unit while generating rental income from the other.

6270 Teletha Lane, Chattanooga

4 Beds ⋅ 3 Baths ⋅ 1539018 MLS

There's something special about 3503 Lockwood Circle! Tucked away in the highly sought after Stuart Heights area, this home offers comfortable living with a backyard that's ready to be enjoyed all summer long. The highlight of the property is the beautiful in-ground pool, creating the perfect space for weekend cookouts, relaxing afternoons, or making memories with family and friends. Whether you're hosting guests or simply unwinding after a long day, this backyard is designed for enjoying life. Inside, you'll find warm, inviting living spaces that feel like home from the moment you walk through the door. Featuring 4 bedrooms and 2.5 bathrooms, which provides a comfortable atmosphere that's perfect for everyday living. This home was renovated just a few short years ago, making it even easier to move right in! Conveniently located just minutes from shopping, restaurants, parks, and downtown Chattanooga, you'll love having everything you need close by while still enjoying the peace of an established, walkable neighborhood. If you've been looking for a home with character, a fantastic outdoor space, and a pool that's ready for summer, 3503 Lockwood Circle is one you won't want to miss. Schedule your private showing today!

3503 Lockwood Circle, Chattanooga

3 Beds ⋅ 2 Baths ⋅ 1538874 MLS

Move-in ready home on a secluded lot in desirable East Brainerd! This 3 bedroom, 2 bath home has been updated with all new luxury vinyl tile in the main living area and new carpet in all three bedrooms. It also features fresh paint and new fixtures, countertops and stove. The bonus room off the kitchen could be the perfect home office or gym, or a large pantry with room for additional counter space. Primary bedroom has a large closet and ensuite bathroom. The second bath is accessed through the hall or from Bedroom 3. Storage space is plentiful with an attic and a two-car garage with a closet and overhead storage room. Enjoy complete privacy on your front or back patio! Convenient to all that East Brainerd has to offer!

2250 Morris Hill Road, Chattanooga

4 Beds ⋅ 2 Baths ⋅ 1538731 MLS

Welcome to 1442 Marijon Drive, Chattanooga, TN 37421! Nestled in a quiet, established neighborhood, this beautifully updated 4-bedroom, 2-bath home on an acre lot offers the perfect blend of modern updates and everyday comfort. Step inside to an inviting open-concept floor plan that's ideal for entertaining and making memories. • 4 spacious bedrooms • 2 fully renovated bathrooms, including a luxurious master bath with a large freestanding soaking tub • 1.02 acre lot • Updated kitchen with modern appliances • Bright, open concept living spaces • Complete mud room with plenty of storage space • Expansive backyard with privacy fence • Large deck perfect for grilling, entertaining, or simply relaxing • 2 storage sheds; 1 attached to home and 1 in backyard • 2 raised garden beds ready for your favorite flowers, herbs, or vegetables Enjoy the peace of a quiet neighborhood while being just 5 minutes from Hamilton Place Mall, with easy access to shopping, dining, entertainment, and everything Chattanooga has to offer. This home truly offers the best of both worlds. A peaceful setting with modern updates, generous outdoor space, and an unbeatable location. Schedule your private showing today!

1442 Marijon Drive, Chattanooga

4 Beds ⋅ 2 Baths ⋅ 1538598 MLS

Looking for a conveniently located one-level all brick home on large corner lot with fenced in yard? You are in luck! The exterior boast a large outbuilding and the roof was installed in 2021. Schedule your tour today.

3701 Juandale Drive, Chattanooga

3 Beds ⋅ 1 Baths ⋅ 1538525 MLS

FHA and VA Buyers Welcome!...Turn the key and move right into this fully updated 3-bedroom, 1-bathroom residence featuring structural and cosmetic upgrades. Designed for effortless single-level living, the home welcomes you with fresh interior and exterior paint, elegant crown molding, and brand-new luxury vinyl flooring throughout. The bright kitchen has been beautifully renovated with new cabinetry, stylish countertops, and updated light fixture. Enjoy ultimate peace of mind with major mechanical overhauls already completed, including a brand-new roof, fully updated plumbing, a new HVAC system, and durable security doors. Outside, the level city lot features a spacious backyard perfect for relaxing and entertaining, plus a convenient covered carport. Situated in an established neighborhood with sidewalks and streetlights, you are just minutes away from downtown Chattanooga, local dining, and public transit. Schedule your tour today!

2004 Milne Street, Chattanooga

3 Beds ⋅ 3 Baths ⋅ 1538486 MLS

*Main Level Master!* Welcome to 2408 Columbine Trail, a beautifully updated 3-bedroom, 2.5-bath townhome tucked away on a quiet cul-de-sac in The Trails community. Thoughtfully enhanced with custom features, this home stands out from others in the neighborhood. The spacious main-level primary suite offers a beautifully renovated bath with an updated walk-in shower, creating a comfortable private retreat. The kitchen showcases custom open shelving along with a new gas range and microwave, blending style and functionality. A dedicated office space features custom built-in bookcases, providing an inviting work-from-home setup. The flexible floor plan also includes a separate dining room that can easily serve as a second living area or bonus space to suit your needs. Step from the living room into the enclosed back patio, creating a seamless transition to outdoor living and a fenced backyard that is ideal for relaxing, entertaining, or spending time outdoors. Additional features include a two-car garage and numerous thoughtful updates throughout. Conveniently located just minutes from Hamilton Place shopping, dining, and the Chattanooga Airport, this move-in-ready home offers an exceptional combination of comfort, character, and convenience. Schedule your private showing today!

2408 Columbine Trail, Chattanooga

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