Chattanooga Homes with FHA Terms

Chattanooga Homes with FHA Terms

Welcome to Chattanooga, Tennessee—a vibrant city nestled in the scenic foothills of the Appalachian Mountains. Known for its stunning natural beauty, rich history, and thriving cultural scene, Chattanooga has become a sought-after destination for homebuyers looking for both charm and convenience. With the Tennessee River winding through the heart of the city, residents can enjoy a plethora of outdoor activities, from hiking and biking to kayaking and fishing.

Chattanooga boasts a diverse array of neighborhoods, each with its own unique character. Whether you prefer the bustling energy of downtown, the historic charm of St. Elmo, or the family-friendly atmosphere of Hixson, there’s a perfect home waiting for you. The city is also home to top-rated schools, a growing job market, and an array of dining and entertainment options, making it an ideal place for families, young professionals, and retirees alike.

For those looking to purchase a home, many properties in Chattanooga qualify for FHA financing. This means you can take advantage of lower down payment options and more flexible credit requirements, making homeownership more accessible than ever. With a variety of homes available—ranging from cozy bungalows to modern townhouses—you’ll find something that fits your lifestyle and budget.

Explore the beauty and warmth of Chattanooga, where Southern hospitality meets urban sophistication. Discover your dream home in this enchanting city, and let the adventure begin!

Newest Chattanooga Homes with FHA Terms

$250,000
4 Beds ⋅ 2 Baths ⋅ 1540094 MLS
Move-in ready and packed with updates, this spacious home is ready for its next owner or a smart investor looking to get in the game. Several improvements have already been taken care of, including new flooring, new appliances, new cabinets, new kitchen backsplash, new countertop, fresh paint, and a new double vanity in the downstairs bathroom. Out front, added gravel creates easy off-street parking and low-maintenance access. Whether you're looking for a primary residence or a solid investment opportunity, this one checks the boxes. Don't miss your chance to make it yours.

3100 N Chamberlain Avenue, Chattanooga

Listing courtesy of Keller Williams Realty.

$1,300,000
3 Beds ⋅ 4 Baths ⋅ 1540093 MLS
Perched in Hill City, one of Chattanooga's most walkable and sought-after North Shore neighborhoods, this 2023 custom-built showplace redefines indoor-outdoor living a short distance from Frazier Avenue's shops and restaurants, Coolidge Park, and the Walnut Street Bridge. Spanning 4,087 square feet with 3 bedrooms, 2 full and 2 half baths, the sun-drenched open floor plan lives large beneath soaring 9-foot ceilings on the main level. Hardwood and tile floors run throughout while thoughtful finishes pair with an effortless flow to set the stage for easy everyday living and unforgettable gatherings alike. A convenient main-level primary suite with a private en-suite bath keeps the everyday essentials right on the first floor. Step outside to your own private resort: a series of terraced living areas cascades down to a heated in-ground pool, a full outdoor kitchen, and a fire-pit sitting area built for gathering under the stars. A separate outdoor half bath with an outdoor shower keeps pool days carefree. Built to an exceptional standard, the home is engineered for year-round comfort and efficiency with premium closed-cell spray-foam insulation in the walls and ceilings and two-zone heating and air. A spacious garage workshop with utility sink and a secure safe room with half bath makes weekend projects feel like a breeze. Custom top-down/bottom-up blinds and generous storage throughout are the finishing touches on a home that delivers true craftsmanship, security, and lifestyle in the heart of Hill City. The consummate entertainer's home- this one won't last. Information is deemed reliable but not guaranteed. Buyer to verify all information they deem important.

625 Snow Street, Chattanooga

Listing courtesy of Flat Fee Real Estate. LLC.

$349,000
4 Beds ⋅ 2 Baths ⋅ 1540080 MLS
Welcome to 1610 Heather St in East Ridge, Tennessee--a fully renovated home offering 1,773 square feet of beautifully updated living space designed for modern comfort and versatility. Step inside to discover a bright, open layout featuring brand-new finishes, fresh paint, stylish flooring, and a updated kitchen equipped with crisp cabinetry and contemporary appliances. The main residence offers functional living areas bathed in natural light, creating an inviting backdrop for both daily relaxing and entertaining guests. The stand-out highlight of this property is the expansive, partially finished detached garage, complete with its own dedicated HVAC system and private bathroom. Whether you envision an ultimate workshop, home gym, private office, climate-controlled studio, or future guest suite, this versatile bonus space provides endless potential to tailor to your lifestyle needs. Situated on a manageable parcel in a convenient East Ridge neighborhood, this move-in-ready property delivers turnkey craftsmanship paired with extraordinary multi-use flexibility just minutes from downtown Chattanooga, local dining, and major commuter routes.

1610 Heather Street, Chattanooga

Listing courtesy of Total Real Estate Services,LLC.

$425,000
3 Beds ⋅ 3 Baths ⋅ 1540073 MLS
Stunning new construction featuring 3 spacious bedrooms and 2.5 beautifully appointed baths. This home showcases high-end luxury finishes throughout, including a designer kitchen with quartz countertops, premium cabinetry, and an expansive open floor plan perfect for modern living and entertaining. Thoughtfully designed with elegance and functionality in mind-move-in ready and built to impress. LEASE PURCHASE AVAIABLE !!

8521 Ari Lane, Chattanooga

Listing courtesy of Weathersbee Realty.

$740,000
4 Beds ⋅ 4 Baths ⋅ 1540066 MLS
**Currently under construction. Inquire with the listing agent about completion date.** Welcome to 4309 Michigan Avenue, a thoughtfully designed brand-new construction home with four bedrooms and three-and-a-half bathrooms, tucked against the foot of Lookout Mountain in St. Elmo. Ideally situated within walking distance of St. Elmo's top restaurants and the scenic Guild Trail, this home offers two spacious primary suites, one on the main level and another upstairs. The flexible layout is complemented by beautiful finishes, including real hardwood floors and marble tile in the impressive primary bathrooms. A rich green exterior, warm wood front door, and inviting curb appeal create a memorable first impression, while the convenient location keeps you close to neighborhood favorites and downtown Chattanooga. Inside, the open-concept main level is designed for comfortable everyday living and easy entertaining. The spacious living room opens directly to the back patio, extending the gathering space outdoors. The adjoining dining area flows naturally into the beautifully arranged kitchen, where a large island provides plenty of room for meal preparation, casual dining, and conversation. The main-level primary suite offers privacy and convenience, complete with a roomy en suite bathroom featuring marble tile, a walk-in shower, and an exceptionally large walk-in closet. Upstairs, a generous landing creates flexible space for a sitting area, playroom, or home office. The second primary suite includes its own spacious bathroom with marble tile and a walk-in shower, along with another large walk-in closet. Two additional guest bedrooms share a full bathroom, while the conveniently located laundry room completes this level. With two primary suites, an open and functional layout, inviting outdoor space, and a desirable St. Elmo setting near Lookout Mountain, 4309 Michigan Avenue offers the flexibility and comfort to complement a variety of lifestyles. The land bordering the property on the left is owned by the City and will remain undeveloped, preserving the forested surroundings beside the home. Local lenders are preferred. Schedule your private showing today!

4309 Michigan Avenue, Chattanooga

Listing courtesy of Real Estate Partners Chattanooga LLC.

$369,900
2 Beds ⋅ 2 Baths ⋅ 1540049 MLS
Welcome to 8255 Chula Creek, where comfort, convenience, and peaceful surroundings come together! This charming 2-bedroom, free-standing townhome offers the perfect blend of low-maintenance living and spacious design. Step inside to an inviting open floor plan featuring prefinished hardwood floors, newer appliances, and abundant natural light. The bright sunroom is sure to become your favorite spot--ideal for a home office, morning coffee, or curling up with a good book. Love spending time outdoors? You'll appreciate the oversized screened porch, where you can relax while overlooking your private backyard and the beautifully maintained HOA common area. With no home directly behind you, you'll enjoy peaceful views, abundant birdlife, and the beauty of nature right outside your door. Located in one of the area's most desirable townhome communities, this home offers easy, simplified living without sacrificing comfort or privacy. Schedule your private showing today and discover why 8255 Chula Creek is the perfect place to call home. Homes like this don't stay available for long!

8255 Chula Creek Road, Chattanooga

Listing courtesy of Horizon Sotheby's International Realty.

$275,000
3 Beds ⋅ 2 Baths ⋅ 1540042 MLS
Nestled on a large, private lot, this spacious 3 bedroom, 2 bath tri-level home offers 1,764 square feet of comfortable living space and endless potential to make it your own. The combination brick and siding exterior is complemented by a covered front porch, while the open concrete patio provide great spaces for outdoor entertaining or relaxing. Inside, the generous living room is filled with natural light from a large picture window overlooking the front yard. Hardwood flooring is beneath the carpet throughout the main living areas, offering an excellent opportunity to restore its original charm. The oversized eat-in kitchen features ample cabinet space, linoleum flooring, and includes all appliances--electric range, dishwasher, and refrigerator. Upstairs are three bedrooms, including a spacious primary suite with a roomy closet and private bath featuring a tiled walk-in shower. A second full bath offers a tub/shower combination and convenient linen closet. The laundry closet includes the stackable washer and dryer which remain. The lower level provides abundant storage with built-in closets, a versatile bonus room perfect for a home office, hobby room, or flex space, and access to the single-car garage. Major updates include a roof and HVAC system that are approximately five years old and a water heater that is only three years old. With solid bones, valuable updates already completed, and plenty of room to personalize, this home presents an excellent opportunity for buyers looking to add their own style while enjoying a convenient East Ridge location.

1127 Hillsboro Drive, Chattanooga

Listing courtesy of Zach Taylor - Chattanooga.

$350,000
4 Beds ⋅ 3 Baths ⋅ 1540038 MLS
Welcome to 3440 Cagle Rd, where space, privacy, and value come together on a beautiful 1.3-acre lot in the heart of Lookout Valley. This mostly brick home offers 4 bedrooms and 3 full bathrooms. Inside, you'll find a spacious layout with plenty of room for family, guests, or a home office. Step outside and enjoy the privacy of the large, fenced backyard--ideal for kids, pets, gardening, or entertaining. Major updates provide peace of mind, including a roof and HVAC system replaced within the last 7-8 years, a 1-year-old water heater, and a new garage door and opener for the oversized two-car garage. The home's exterior has also been freshly painted, giving it outstanding curb appeal and making it move-in ready. Conveniently located just minutes from downtown Chattanooga, shopping, dining, and outdoor recreation, this property offers the best of peaceful country living with easy access to city conveniences. If you've been searching for a well-maintained home with acreage, privacy, and exceptional value, 3440 Cagle Rd is one you won't want to miss. Priced to sell-schedule your private showing today!

3440 Cagle Road, Chattanooga

Listing courtesy of RE/MAX Properties.

$379,000
4 Beds ⋅ 2 Baths ⋅ 1540021 MLS
Beautifully renovated and move-in ready, this 4-bedroom, 3-bath bungalow offers 1,741 square feet of thoughtfully designed living space in Highland Park. Just minutes from Main Street, the Historic Southside, and Downtown Chattanooga, you'll enjoy convenient access to local favorites like Lo Main, Scottie's on the River, Sleepyhead Coffee, and so much more, all while coming home to a quiet neighborhood you will love. The open-concept living area centers around a elegantly updated kitchen featuring a large island, new cabinetry, and generous workspace for both everyday living and entertaining. A generously sized mudroom provides abundant storage and organization, while all three bathrooms have been thoughtfully renovated with stylish tile, quality fixtures, and timeless finishes. The flexible floor plan includes four bedrooms, offering options for guest accommodations, a home office, creative space, or other evolving needs. Outside, the level lot provides low-maintenance outdoor living with plenty of usable space to enjoy. Unwind on the covered front porch, gather in the backyard, or take advantage of the detached garage and accessory building for storage, a workshop, studio, or additional workspace accessible via the rear alley. Blending classic bungalow charm with thoughtful modern updates and an exceptional Highland Park location, this home offers the best of city living with neighborhood appeal. Come see what makes 1511 E 13th Street so special!

1511 E 13th Street, Chattanooga

Listing courtesy of Lifestyles Realty Tennessee, Inc.

$425,000
5 Beds ⋅ 3 Baths ⋅ 1540018 MLS
Welcome to 7014 Rocky Trail, a truly unique property offering incredible flexibility for investors, house hackers, multigenerational households, or large blended families. The home features five bedrooms plus three additional rooms currently being used as bedrooms, providing an exceptional amount of space and versatility. The finished lower level includes its own kitchen with abundant cabinetry, a spacious living area, and a fireplace, making it possible to comfortably live on either level or create separate living spaces. A second living room and fireplace upstairs add even more room to relax and entertain. Three laundry areas, including one upstairs, one downstairs, and one in the garage, make the layout especially functional for multiple occupants. A chair lift on the interior stairs also provides added accessibility between levels. Outside, two separate driveways offer plenty of parking. One leads to the attached two-car garage, while the second is ideal for additional vehicles, an RV, or a camper. The expansive back deck and gazebo overlook a partially fenced backyard and provide an excellent space for outdoor dining and entertaining. Two storage buildings offer additional room for tools, equipment, and seasonal items. With flexible living spaces, a second kitchen, multiple laundry areas, abundant parking, and outstanding investment potential, this home is a rare opportunity. Schedule your private showing today.

7014 Rocky Trail, Chattanooga

Listing courtesy of EXP Realty, LLC.

$399,000
4 Beds ⋅ 3 Baths ⋅ 1540012 MLS
MOVE-IN READY - KINGSTON WOODS IN EAST BRAINERD! Builder Incentive: 1% Rate Buydown OR 1% Toward Closing Costs with Preferred Lender Introductory Pricing Available - Don't miss this opportunity to purchase in East Brainerd's newest community before pricing increases. Welcome to Kingston Woods, East Brainerd's newest community, conveniently located just minutes from Hamilton Place. This thoughtfully designed home features an open-concept layout with 2 bedrooms on the main level, making it ideal for both everyday living and entertaining. Features include: • White Shaker Cabinets • Quartz Countertops with Waterfall Island • Electric Fireplace • Stainless Steel Samsung Appliances • Two-Car Garage • Freestanding Tub + Tile Shower in Primary Suite • Approx. 170 SF Unfinished Bonus Room • Covered Back Porch • Privacy Fence • Low-Maintenance New Construction Kingston Woods offers true low-maintenance living, with the HOA providing lawn care and landscaping maintenance throughout the community, allowing homeowners to spend less time on upkeep and more time enjoying their home. Buyer to verify all information including schools, square footage, taxes, and HOA information. Personal Interest Applies. Agent is related to Seller

1777 Millie Lot 3 Lane, Chattanooga

Listing courtesy of Local Roots Realty.

$265,000
3 Beds ⋅ 2 Baths ⋅ 1539978 MLS
Welcome to 3612 5th Avenue, a thoughtfully renovated 1925 home that blends classic character with modern updates. Taken down to the studs and completely redone, this three-bedroom, two full bathroom property offers peace of mind and a fresh start for its next owner. Whether you are a first-time home buyer or searching for a solid rental opportunity, this home checks all the right boxes. Inside, you will find a great layout with a spacious living room and a separate dining area that feels both functional and inviting. Wood flooring pairs beautifully with luxury vinyl, adding warmth and durability throughout the home. The kitchen is bright and clean with white cabinetry and stainless-steel appliances, making it easy to imagine everyday meals or hosting friends. The main level features one bedroom and a full bathroom, while upstairs offers two additional bedrooms and another full bathroom. Both bathrooms are shared and include tub shower combinations, creating a practical setup for everyday living. Step outside to enjoy a covered front deck overlooking a private, fenced yard that is perfect for relaxing, entertaining, or letting pets roam. Off-street parking adds extra convenience. Located close to I-24, this home offers an easy drive to downtown Chattanooga restaurants, attractions, and all the outdoor adventures the area is known for, including hiking and rock climbing. Previously used as a rental, this property has proven versatility. Be sure to review the floor plans to fully appreciate the layout. Schedule your showing today. Local lenders are preferred. Owner-Agent.

3612 5th Avenue, Chattanooga

Listing courtesy of Real Estate Partners Chattanooga LLC.

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