Hamilton County Homes with FHA Financing available

Hamilton County Homes with FHA Financing available

Welcome to Hamilton County, Tennessee—a picturesque gem nestled in the heart of the Volunteer State. Known for its stunning landscapes, rich history, and vibrant communities, Hamilton County offers an inviting atmosphere that appeals to families, young professionals, and retirees alike.

With its close proximity to the bustling city of Chattanooga, residents enjoy the perfect blend of urban amenities and serene suburban living. The county boasts an array of recreational opportunities, from the breathtaking views at Lookout Mountain to the tranquil waters of the Tennessee River. Nature enthusiasts can explore numerous parks and trails, while culture lovers can indulge in local art galleries, theaters, and music festivals that celebrate the area’s diverse heritage.

For those looking to settle down in this enchanting region, Hamilton County presents an array of housing options, including homes that qualify for FHA financing. This financing option makes homeownership more accessible for first-time buyers and those with lower to moderate incomes. With FHA loans, you can enjoy lower down payment requirements and competitive interest rates, allowing you to find your dream home without breaking the bank.

Whether you’re drawn to the charming neighborhoods of East Ridge, the vibrant community of Ooltewah, or the historic charm of Chattanooga, Hamilton County offers a welcoming environment to call home. Explore the possibilities today and discover why so many are choosing to make Hamilton County their forever home. Your dream home awaits in this thriving community!

Newest Hamilton County Homes with FHA Financing available

7118 Blossom Circle, Chattanooga
$324,450
3 Beds ⋅ 3 Baths ⋅ 1545141 MLS
Welcome to 7118 Blossom Circle in Dogwood Village! Come discover the possibilities in this inviting 3-bedroom, 2.5-bathroom home nestled in Dogwood Village subdivision in Chattanooga, TN. Built in 2005 and offering 1,656 square feet of living space, this home is ready for its next chapter with a new homeowner to love and enjoy. With room to make it your own and spaces to create lasting memories, this home is full of opportunity. Whether you're looking for a place to settle in, grow, or simply enjoy the comforts of home, 7118 Blossom Circle is ready to welcome you. Don't miss your opportunity to make this home your own!

7118 Blossom Circle, Chattanooga
5902 Yellow Rose Lane, Ooltewah
$615,730
3 Beds ⋅ 2 Baths ⋅ 1545134 MLS
Welcome to a home that feels like a retreat, where thoughtful design, timeless details, and beautiful natural surroundings come together in Nature's Cove. This MOVE-IN READY Beckham plan offers 3 bedrooms, 2 bathrooms, and the ease of single level living, complete with engineered hardwood floors throughout, no carpet! From the moment you enter, an extra wide hallway accented with elegant picture frame molding sets the tone. Two spacious guest bedrooms and a full bath are thoughtfully tucked away from the private primary suite. At the heart of the home, a chef-inspired kitchen features Café appliances, double ovens, gas cooking, and an oversized island made for gathering. Airy 9 foot ceilings and abundant natural light create an inviting atmosphere, while the vaulted living room steals the show with a warm wood beam, gas fireplace, and charming arched alcove ready for your personal touch. A tray ceiling dining room leads to the dreamy primary retreat, featuring a second tray ceiling, custom accent wall, and spa inspired ensuite with a freestanding soaking tub, beautifully tiled walk-in shower, and generous closet with direct laundry room access. But the true showstopper? The covered back porch overlooking peaceful, protected preserve space. Imagine slow mornings with coffee, evenings unwinding beneath the wood-accented ceiling, and a view you'll never tire of. With a pond across the way, added breathing room between neighbors, and charming exterior gas lanterns, this home offers a rare sense of serenity. Life at Nature's Cove is just as special! Enjoy pickleball, a community lawn with cornhole and ping pong, garden beds, live music and food truck gatherings, a neighborhood park, pup park, half-mile walking trail, and sidewalks throughout. A rare combination of privacy, character, and community all wrapped into one extraordinary place to call home. *Builder is offering up to $35k in flex cash incentive for closing costs or rate buy down! *

5902 Yellow Rose Lane, Ooltewah
1858 Clear Brook Court, Chattanooga
$434,900
4 Beds ⋅ 3 Baths ⋅ 1545129 MLS
Conveniently located near Hamilton Place shopping, restaurants, and everyday amenities, this 4-bedroom, 2.5-bath home offers a desirable location and several recent updates. Interior features include new hardwood flooring and an updated kitchen. Additional improvements include spray foam insulation, and a roof replaced approximately 5 years ago. Enjoy outdoor living and entertaining on the deck. With convenient access to shopping, dining, and major roadways, this home offers space, updates, and a convenient location.

1858 Clear Brook Court, Chattanooga
6119 Cashmere Lane, Harrison
$575,000
4 Beds ⋅ 3 Baths ⋅ 1545128 MLS
Welcome home to this beautifully designed 4-bedroom, 2.5-bath home offering stylish finishes, generous living space, and room to grow. The open-concept main level is filled with natural light and features beautiful trim details, specialty ceilings, and a seamless flow between the living, dining, and kitchen areas. The kitchen is a standout with an oversized island, quartz countertops, tile backsplash, abundant cabinetry, and modern finishes--perfect for everyday living and entertaining. The spacious primary suite provides a relaxing retreat with a well-appointed en-suite bath featuring separate vanities and ample closet space. Three additional bedrooms offer plenty of flexibility for family, guests, or a home office. A 3-car garage provides even more room for vehicles, lake gear, and hobbies. Step outside to the covered deck ... It's the perfect setting to enjoy your morning coffee, unwind at the end of the day, or entertain family and friends. Conveniently located just minutes from the lake, you'll have easy access to boating, fishing, and outdoor recreation--all while enjoying the comfort and peaceful surroundings of a beautifully finished home.Please schedule showings through the Broker Bay.

6119 Cashmere Lane, Harrison
1061 Wynnwood Road, Chattanooga
$349,900
3 Beds ⋅ 1 Baths ⋅ 1545123 MLS
MORE ROOM TO LIVE. MORE WAYS TO RELAX. A LOCATION YOU'LL LOVE! FIRST TOURS AT THE OPEN HOUSE SUNDAY, OCTOBER 25, FROM 1-3 PM! Welcome to 1061 Wynnwood Road, where comfortable living, inviting spaces, and a convenient East Ridge location come together beautifully! Offered at $349,900, this home has more to offer than you might expect. Step inside and discover beautiful hardwood floors, welcoming gathering spaces, and an updated kitchen featuring white cabinetry, subway tile backsplash, stainless steel appliances, and open shelving. Imagine preparing your favorite meals, entertaining friends, and enjoying evenings around the table. One of this home's standout features is TWO separate living areas! Picture movie nights, game-day gatherings, a cozy retreat, or simply having extra room to spread out. Whether you're hosting friends or enjoying a quiet evening, you'll appreciate the flexibility these spaces provide. The experience continues outdoors! Enjoy morning coffee on the deck, spend evenings relaxing in the covered hot tub area, or create your favorite outdoor gathering space. A spacious covered carport and additional storage add everyday convenience. And let's talk LOCATION! Enjoy convenient access to East Ridge shopping and dining, major commuter routes, downtown Chattanooga, and North Georgia. Everything you need is within easy reach, while home remains your favorite place to unwind. With inviting interiors, flexible living spaces, enjoyable outdoor areas, and a location that makes everyday life easier, 1061 Wynnwood Road deserves a spot at the top of your list! FIRST SHOWINGS BEGIN AT THE OPEN HOUSE SUNDAY, OCTOBER 25, FROM 1-3 PM! Come explore everything this home has to offer and imagine making it yours!

1061 Wynnwood Road, Chattanooga
7321 Majestic Hill Drive, Chattanooga
$468,000
5 Beds ⋅ 3 Baths ⋅ 1545117 MLS
This beautifully situated home offers mountain views with stunning sunsets and prime location with quick and easy interstate access. Perched atop a hill at the highest point of the neighborhood, this fabulous home feels like it's own private oasis. If you love quiet seclusion but also convenience and proximity to town, this is the house for you! 7321 Majestic Hill Dr is a 5 bedroom, 3 bathroom home making it the perfect home for just about anyone. Are you a large family that needs space? CHECK! Are your a multi-generational family that needs bedrooms/bathrooms on both floors for easy access and privacy? CHECK! Do you need space to entertain and host? CHECK! This home offers 2 bedrooms and 2 full bathrooms on the main level, one of which is a spacious primary suite, and 3 additional bedrooms and one full bathroom on the second floor. With real and original hardwoods throughout, abundant natural light, and modern kitchen and bathroom finishes, this house requires little to no effort to make this your very own dream home. Updates include: New water heater (May 2026), new HVAC units with transferrable warranties (upstairs replaced 2025, downstairs Jan. 2026), osmosis air purifier systems added to both HAVC units, new refrigerator in 2024, and new interior paint and kitchen updates in 2022. The seller has maintained a regular ongoing maintenance contract with Patriot Services that has covered plumbing and HVAC, so you can have peace of mind that this home has been well cared for. Schedule a tour and come see for yourself!

7321 Majestic Hill Drive, Chattanooga
8439 Fair Oaks Road, Hixson
$789,000
3 Beds ⋅ 3 Baths ⋅ 1545113 MLS
RARE OPPORTUNITY to own a HIDDEN GEM in Middle Valley! Are you looking for the feel and privacy of a rural setting, acreage with no restrictions, perhaps a home for your horses, but still want to be within 5 minutes of groceries and 20 minutes to downtown Chattanooga? This meticulously maintained home offers exactly that! Come and see the peacefulness of almost 6 acres, 3 fenced pastures, barn, outbuilding, and a beautiful 1837 square foot one-level home just waiting for you. The home itself features 3 large bedrooms, 2.5 baths, and pristine hardwood floors. The kitchen offers everything a chef needs, from the gas cooktop, to the granite countertops, double-ovens, and new refrigerator. The pantry/laundry room is located just off the kitchen and adds even more cabinet space to an already spacious layout. The primary suite is located in the back of the home, complete with an en-suite bathroom and separate dressing room/walk-in closet. If needed, this room could be converted back to the 4th bedroom, but left alone it is indeed the dream closet! The half bath is located just off the 2 car attached garage, making it a perfect location for a needed pit stop while working or playing outdoors! Off your back patio you will find a pathway to one of the things that makes this property truly unique, a second building with approximately 1500 square feet of space for you to do as you please! This space is currently divided into 2 sections and is equipped with electrical, water, heating/cooling unit, and water heater. Use part for storage, a huge workshop, or look into building it out as a second dwelling on your property! There are so many possibilities! Past this building, you will find a fairytale red barn, the perfect home for your horses. Complete with stalls and watering pump, the barn opens up onto a large fenced pasture, as well as 2 separate fenced corrals located on the back of the property. Continuing to roam through the acres, you will find several other surprises, including a small donkey barn, tire swing, wood grill, basketball goal and more. This is one of those homes you must see in person to fully appreciate, so schedule your private showing today!

8439 Fair Oaks Road, Hixson
3938 Azalean Drive, Chattanooga
$325,000
3 Beds ⋅ 2 Baths ⋅ 1545100 MLS
Welcome to this Move-in ready, One Level home in desirable Fairfax Heights! Features include Beautiful hardwood floors, 2 large picture windows in the living room, Oversized eat-in kitchen with loads of cabinets/countertop space and New refrigerator, range, microwave, washer/ dryer and dishwasher remaining plus a newly added laundry area/pantry. 3 spacious bedrooms and 1 1/2 updated bathrooms. You'll love to relax on your recently painted and newly screened back porch overlooking the gorgeous, park-like backyard, full of blooming trees and native flowers. The fully fenced back yard with side gate and huge covered patio area is great for entertaining, pets and kids. There is also a storage area under the kitchen for lawn equipment, etc. Great curb appeal with a covered front porch, level yard, circular driveway, one car garage, and attached carport. The homes exterior was painted in 2024 and interior in 2023 plus Double pane insulated windows throughout. A solar energy system was installed allowing power to be fed into the EPB grid allowing for little or no electric bills and get paid for surplus energy not used! Perfect location and just a few minutes to Downtown Chattanooga, Hixson, Red Bank, shopping, restaurants, hospitals, airport and interstate!

3938 Azalean Drive, Chattanooga
2841 Fernleaf Lane, Chattanooga
$439,900
4 Beds ⋅ 3 Baths ⋅ 1545099 MLS
Character you can feel, with room to settle in. Located in The Arbors, 2841 Fernleaf Lane pairs inviting architectural details with thoughtful improvements. Dining room paneling adds texture and charm, while a beautiful brick fireplace with substantial mantel creates a welcoming focal point for cozy evenings and everyday gatherings. With four bedrooms and three full bathrooms, the home offers flexibility for guests, a home office, or simply a little more space to spread out. Completed in July 2026, the permitted upstairs renovation adds a bedroom, full bathroom, and dedicated heating and cooling, bringing fresh versatility to the layout. Fresh interior paint gives the home a clean, current feel while preserving its distinctive personality. Additional improvements include a new main-level HVAC unit installed in November 2024 and a crawlspace sump pump installed in 2024. The washer and dryer remain, including a washer purchased in August 2026. Conveniently located in Chattanooga and zoned for Bess T. Shepherd Elementary, Tyner Middle Academy, and Tyner Academy, this home brings together generous space, thoughtful updates, and the warm details that make a house memorable.

2841 Fernleaf Lane, Chattanooga
6 St Ives Way, Signal Mountain
$249,000
1545098 MLS
RARE OPPORTUNITY IN THE HEART OF SIGNAL MOUNTAIN - ST. IVES! Location, location, location! Discover an exceptional opportunity to build your custom dream home in St. Ives, one of Signal Mountain's most desirable established neighborhoods. Surrounded by beautiful custom-built homes, this approximately 0.8-acre homesite presents something increasingly difficult to find: the opportunity to build new in a premier, established community in the heart of Signal Mountain. What truly sets this property apart is its LOCATION. Enjoy the charm, character, and lifestyle of Signal Mountain while being just minutes from local grocery stores, shopping, restaurants, parks, and community amenities. Ideally situated on the Chattanooga-facing side of Signal Mountain, St. Ives combines the tranquility of mountain living with convenient access to downtown Chattanooga. It's a location that truly sets this neighborhood apart! Adding to its appeal, this property is zoned for highly regarded Thrasher Elementary, conveniently located within walking or biking distance. It's the kind of everyday convenience and neighborhood lifestyle that's increasingly hard to find. The generously sized, gently sloping homesite presents excellent potential for a custom home with a walkout basement, with a pond bordering the rear of the property. Approved public sewer access, underground utilities, and neighborhood amenities including a community pool, clubhouse, sidewalks, and streetlights further enhance this exceptional opportunity. Vacant homesites in established neighborhoods of this caliber are increasingly rare, especially with this combination of location, space, convenience, and lifestyle. Build your dream home where location, lifestyle, and lasting value come together!

6 St Ives Way, Signal Mountain
3122 River Gorge Drive 959, Chattanooga
$1,095,000
4 Beds ⋅ 4 Baths ⋅ 1545094 MLS
Luxury Mountain Living in Black Creek Golf Community!! Experience elevated luxury living at the top of the mountain in Chattanooga's highly sought-after Black Creek Golf Community! Surrounded by gorgeous mountain views and breathtaking natural beauty, this exceptional 4-bedroom home with a spacious bonus room offers a remarkable combination of timeless architecture, sophisticated finishes, and thoughtfully designed living spaces. From the moment you enter the welcoming foyer, you'll appreciate the attention to detail, beautiful hardwood flooring, and abundance of natural light that fills this stunning home. Expansive windows create a bright, inviting atmosphere while bringing the beauty of the surrounding mountain setting indoors. Designed for both elegant entertaining and comfortable everyday living, the heart of the home features a magnificent Great Room that flows seamlessly into the gourmet kitchen and dining areas. The chef-inspired kitchen is a true showpiece, featuring luxurious quartz countertops, an oversized island, premium Monogram stainless steel gas appliances, a farmhouse sink, pot filler, custom cabinetry, and beautiful designer finishes. Whether preparing a quiet family dinner or entertaining guests, this exceptional kitchen is sure to impress. The main-level Primary Suite offers a private retreat designed for relaxation and comfort. The spacious bedroom is complemented by a luxurious spa-inspired bathroom featuring a freestanding soaking tub, beautifully tiled shower, dual vanities, elegant finishes, and a generous walk-in closet. Every detail has been thoughtfully selected to create a peaceful sanctuary. Also on the main level, you'll discover a private study, perfect for a home office or quiet retreat, along with a spacious dining room, convenient powder room, laundry room, walk-in pantry, and mudroom. Beautiful hardwood flooring extends throughout the main living areas, adding warmth and sophistication to the home's elegant interior. Upstairs, three additional bedrooms provide comfortable accommodations for family and guests, while the spacious bonus room offers endless possibilities for a media room, game room, second family room, or private entertainment space. Hardwood flooring continues throughout the upstairs hallway and bonus room, creating a beautiful transition between living spaces. Outdoor living is equally impressive! Enjoy the covered outdoor living area, ideal for relaxing, entertaining, or simply enjoying the peaceful mountain surroundings. An additional covered upper-level porch provides another inviting space to take in the beautiful setting and fresh mountain air. Completing this exceptional home is a spacious three-car garage, offering generous room for vehicles, storage, and everyday convenience. Located within the prestigious Black Creek Golf Community, this home offers the perfect balance of luxury, natural beauty, and an extraordinary mountain lifestyle. Enjoy the charm of this beautiful community while remaining conveniently located to downtown Chattanooga, shopping, dining, and entertainment. This is more than just a beautiful home -- it's an opportunity to experience luxury mountain living at its finest. From the exquisite interior finishes to the gorgeous views and exceptional setting, every detail creates a home you'll be proud to call your own.** Welcome home to Black Creek, where luxury meets mountain living!

3122 River Gorge Drive 959, Chattanooga
1140 Cityscape View, Chattanooga
$530,000
3 Beds ⋅ 3 Baths ⋅ 1544890 MLS
Welcome to Northwind, one of North Chattanooga's most desirable scenic communities, where natural beauty meets convenience! Nestled along a peaceful ridgeline just minutes from downtown Chattanooga, this beautiful River floor plan offers wooded views, privacy, and a spacious open-concept design perfect for everyday living and entertaining. The main living area flows seamlessly into the kitchen and dining spaces, creating an inviting atmosphere for gathering with family and friends. The kitchen also includes a refrigerator added by the current owner. Upstairs, you'll find a versatile flex/bonus room, two generously sized guest bedrooms, a full guest bathroom, and a conveniently located full-size laundry room. The spacious primary suite is tucked away at the rear of the home, offering peaceful morning views, a private bath, and a walk-in closet. Step outside and enjoy the upgraded back patio featuring an adjustable cover that opens and closes, allowing you to enjoy the outdoor space with the flexibility of sun or shade. The current owner has also made garage upgrades for additional storage, adding even more functionality to the home. Northwind offers charming lamp-lit sidewalks, community gathering spaces, and a wooded ridgeline trail, all while being just minutes from North Chattanooga's popular restaurants, shopping, and downtown attractions. Enjoy the perfect combination of modern comfort, natural surroundings, and an unbeatable location. Schedule your private showing today!

1140 Cityscape View, Chattanooga
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