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

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
6600 Monarch Circle 68, Hixson
$312,164
3 Beds ⋅ 3 Baths ⋅ 1545084 MLS
This home is ready NOW!!! Designed for modern living, this Lilly plan, a 1,473 square foot townhome blends style, function, and comfort across two thoughtfully planned levels. The open-concept main floor creates an inviting flow for everyday life and entertaining, anchored by a spacious island kitchen that offers generous prep space, seating, and a natural gathering point. Just beyond, the fireside family room adds warmth and character, opening directly to a private patio--perfect for morning coffee, evening unwinding, or effortless indoor-outdoor entertaining. Upstairs, the home is intentionally laid out for privacy and convenience. The primary suite provides a peaceful retreat, while two secondary bedrooms offer flexibility for guests, home office space, or growing needs. A hall laundry closet keeps daily routines efficient and out of sight, making upstairs living both practical and streamlined. Additional highlights include 2½ baths, a two-car garage for secure parking and storage, and a layout that maximizes every square foot without sacrificing comfort. With its open design, modern flow, and smart separation of living and sleeping spaces, this townhome delivers the perfect balance of low-maintenance living and everyday luxury. CURRENTLY OFFERING FOR A LIMITED TIME A RATE BUYDOWN AND CLOSING COST INCENTIVES using our Preferred Lender! CALL FOR DETAILS!!!s OR choose a 0% Down Financing Program through our preferred lenders! Buyer qualifications apply.

6600 Monarch Circle 68, Hixson
135 Everly Drive, Chattanooga
$469,000
3 Beds ⋅ 3 Baths ⋅ 1545083 MLS
Welcome to 135 Everly Dr. A beautifully finished newer construction home located within walking distance to your favorite Red Bank restaurants and shopping! This home has many upgrades including beautiful plantation shutters, hardwood floors in primary suite, Kitchenaid refrigerator, a bar center in the mudroom perfect for a wine or beverage fridge, a large walk-in pantry, a deck extension for grilling, a paver patio in the yard for an extra play space and recently refreshed interior paint throughout. This dead-end street is a blast! Enjoy the evenings with neighbors hosting trivia nights, bonfires and outdoor movies!

135 Everly Drive, Chattanooga
3906 Sells Drive, Chattanooga
$349,000
3 Beds ⋅ 2 Baths ⋅ 1545074 MLS
Centrally located to downtown or East Brainerd, this adorable single-level cottage is move in ready! Natural light floods into the home where you find specialty accent walls, built-in features, and a living room as well as a den with a wood burning fireplace to snuggle on those cold winter nights. The kitchen features stainless appliances, stone countertops, soft close cabinets and room for a coffee bar or breakfast nook. Just off the kitchen is a wonderful deck for grilling or just relaxing - providing a calming treehouse feeling. The formal dining room just off the kitchen is just perfect for hosting friends and family. The home is updated throughout with luxury vinyl plank, fixtures, a beautiful walk in tile shower in the primary suite and a guest bath with stunning tile surrounding the tub. The exterior features a second deck and side entrance, low maintenance siding, a fenced backyard and a shed for extra storage, garden equipment or tools. Make your appointment today to see this one! Buyers to verify all information they deem important including square footage and school zones.

3906 Sells Drive, Chattanooga
7603 Pfizer Drive, Ooltewah
$385,000
4 Beds ⋅ 3 Baths ⋅ 1545070 MLS
Modern split foyer home with a finished daylight basement and great outdoor living spaces, including an above-ground pool in the established Hamilton on Hunter neighborhood close to schools, the shopping and restaurants of both Ooltewah and Hwy 58 and more! Some notable features of this 4 or 5 bedroom, 3 bath home include hardwoods and tile, tall ceilings, heavy crown moldings, specialty ceilings, decorative lighting, an open floor plan, split bedrooms, new outside HVAC unit, new mini splits in the basement and a fenced back yard with wooded privacy buffer. Your tour begins with entry to the foyer with an appealing extra wide staircase to the main level. The great room has a gas fireplace, a pass-through window to the kitchen, an enlarged doorway to the breakfast area, and it has access to the rear deck overlooking the pool, which is perfect for everyday living and entertaining. The kitchen has a tile floor, vaulted ceiling, stainless appliances and is open to the breakfast area with a bay window and built-in bench seat. The dining room is just across the hall and provides a lovely spot for both formal and informal meals. The primary bedroom suite is on the right side of the great room and has a double tray ceiling, single French door to the rear deck, as well as the primary bath with a dual vanity, jetted tub, separate shower and a walk-in closet. Two additional bedrooms are on the opposite side of this level and share the use of the hall guest bath with a tub/shower combo. Head downstairs where you will find a versatile space with an ensuite bedroom, a laundry room and a den with a closet that could easily be used as a 5th bedroom or you could utilize the entire level as an in-law suite if desired. The garage is spacious and has a workshop area, storage closet and access to the fenced back yard and pool area where you will find a firepit, covered deck area and steps up to the main level deck. Simply a fantastic opportunity for the buyer seeking a great house in a super convenient Ooltewah neighborhood, 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.

7603 Pfizer Drive, Ooltewah
2456 Waterhaven Drive, Chattanooga
$520,000
4 Beds ⋅ 3 Baths ⋅ 1545067 MLS
A Little Slice of Mayberry-Welcome Home! Imagine a neighborhood where life feels a little simpler, friendships run deep, and childhood looks just like it did in the good old days. Kids ride their bicycles through the streets, shoot hoops with their friends, and spend afternoons fishing in the neighborhood stock pond. When Halloween rolls around, the kids don't want to trick or treat anywhere else because there's simply no place like HOME! Tucked inside a gated community that offers privacy, security, and a true sense of belonging, this is the kind of neighborhood where friends and memories are made to last a lifetime. The lifestyle doesn't stop there either! Enjoy a community packed with amenities, including a playground, swimming pool, hiking trails, a walking track, RV and camper storage, a boat launch and a dock for enjoying all kinds of water activities. Whether you're looking for outdoor adventures, family fun or a peaceful place to unwind, there's something here for everyone. Step inside this beautiful home and discover an inviting open floor plan that brings the main living and kitchen together creating the perfect space for family or entertaining. High ceilings add an airy, spacious feel, while four bedrooms and three full bathrooms provide plenty of room for all. A huge bonus room upstairs offers endless possibilities. Enjoy your mornings on the covered porch or relax in the evening on the screened in back porch. The fenced backyard offers a wonderful space for kids and pets to play, while the two-car garage provides convenient parking, ease for carrying in groceries and ample storage. This place is way more than a house...this is the place to put down roots and enjoy the kind of community people dream about. If you've been searching for that old fashioned Mayberry feeling, where kids can be kids and a neighborhood that is a community then this may very well be the place you'll be proud to call HOME!

2456 Waterhaven Drive, Chattanooga
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