Chattanooga Homes with FHA Financing available

Chattanooga Homes with FHA Financing available

Welcome to Chattanooga, Tennessee, a vibrant city nestled in the scenic foothills of the Appalachian Mountains. Known for its breathtaking views and rich history, Chattanooga is a charming blend of outdoor adventure, cultural experiences, and southern hospitality. With its picturesque riverfront, bustling downtown, and myriad parks, this city offers a perfect backdrop for families and individuals alike.

Chattanooga is not just a feast for the eyes; it's also a hub of economic growth and opportunity. The city boasts a diverse job market, with thriving sectors in healthcare, technology, and education. Residents enjoy a low cost of living compared to national averages, making it an attractive destination for homebuyers seeking both value and quality of life.

For those looking to invest in their dream home, Chattanooga offers a variety of properties eligible for FHA financing. This means that first-time homebuyers and those with limited financial resources can access affordable housing options with lower down payment requirements. Whether you’re searching for a charming historic home in the North Shore neighborhood or a modern townhouse near the bustling Southside, you'll find a range of choices that fit your lifestyle and budget.

As you explore the diverse neighborhoods of Chattanooga, you’ll discover not only beautiful homes but also a community that celebrates art, music, and the great outdoors. From the iconic Lookout Mountain to the vibrant Riverwalk, there’s always something new to experience. Embrace the opportunity to call Chattanooga home and enjoy all the warmth and charm this remarkable city has to offer!

Newest Chattanooga Homes with FHA Financing available

2706 Long Street 132, Chattanooga
$314,900
2 Beds ⋅ 3 Baths ⋅ 1543773 MLS
Welcome to Parkside Terraces, a thoughtfully designed townhome community tucked just off South Broad Street in the heart of Chattanooga. Just minutes from the Southside, Saint Elmo, the Riverwalk and the new stadium! This is a place where modern living meets every day ease, offering a comfortable retreat while keeping you close to the energy of the city. Parkside Terraces features a collection of beautifully designed one- and two-bedroom townhomes, a great fit for either a first home, a low-maintenance lifestyle, or a smart long-term investment. Each home features modern interiors with timeless exterior design. Residents will enjoy shared outdoor spaces, landscaped green spaces, and walkable sidewalks. Our two bedrooms homes feature two level open concept living with the kitchen/living area, along with a half bath, on the first level and the bedrooms/bathroom/laundry on the second level. Each home features a porch and balcony. Modern finishes include stainless steel appliances, quartz counter tops, high end LVP flooring, tile, and much more. These homes are great for first time home buyers, urban professionals, empty nesters, and investors. HOA does not restrict long term rentals or mid-term vacation rentals, but short-term vacation rentals (STVR) are not permitted. Owner/agent. HOA closing fee of $550. Buyers to verify school zones. HOA fees cover common area and landscape maintenance, exterior pest control, HOA mgmt fee, trash removal.

2706 Long Street 132, Chattanooga
1818 Madison Street, Chattanooga
$765,000
4 Beds ⋅ 4 Baths ⋅ 1543795 MLS
Southside living at its finest! Directly across from Jefferson Heights Park, this beautiful home enjoys wonderful views of the park, community gardens, and Lookout Mountain--all while being just a short walk from the restaurants, shops, coffee spots, and everything Main Street has to offer. Built by Waters-Holland, this unique 4-bedroom, 3.5-bath home offers something especially hard to find in Jefferson Heights--an attached two-car garage AND private driveway. Inside, the main level features an open floor plan with beautiful hardwood floors, a great room with a gas-log fireplace, and a spacious kitchen centered around an impressive 9-foot island. The kitchen flows into a generous dining area overlooking the park--perfect for entertaining friends or enjoying a quiet dinner at home. Upstairs are four generously sized bedrooms, including a spacious primary suite with access to a covered porch--the perfect spot to take in the view. A full hall bath serves one bedroom, while the two additional bedrooms share a roomy Jack-and-Jill bath. Thoughtful upgrades include a tankless water heater and an EV charging outlet in the garage. With four bedrooms, park-front living, mountain views, an attached two-car garage, a private driveway, and the walkability that makes Southside living so desirable, this home truly offers the best of both worlds--neighborhood living with Main Street just steps away.

1818 Madison Street, Chattanooga
2954 River Gorge Drive 940, Chattanooga
$1,095,000
4 Beds ⋅ 4 Baths ⋅ 1543792 MLS
Welcome to 2954 River Gorge Drive, an exceptional new luxury home situated atop Black Creek Mountain in the highly sought-after Black Creek Community. Prominently positioned along the Boulevard, this beautiful 4-bedroom, 3.5-bath residence offers an impressive combination of sophisticated design, thoughtful functionality, and comfortable everyday living--all just minutes from downtown Chattanooga. Step inside to a welcoming open foyer, where the thoughtfully designed floor plan immediately unfolds. To one side is a Private Guest Ensuite with a walk-in Closet, providing an ideal retreat for family or overnight guests. On the opposite side, a Private Study creates a quiet and elegant space for a home office, library, or sitting room. Continue through the foyer into the Heart of the home, where the Dining area, Great Room, and Gourmet Kitchen flow beautifully together while maintaining their own distinct spaces. Designed for both entertaining and everyday living, the Kitchen features an oversized Island, Quartz Countertops, Built-in Refrigerator and Microwave, oversized Gas Range with Custom Hood, Stainless Steel Monogram Appliances, and a spacious walk-in Pantry. Beyond the Great Room, the home transitions effortlessly to the Covered Outdoor Living area, creating a wonderful extension of the interior living space. A conveniently located Powder Room completes this portion of the main level. Privately situated toward the rear of the home, the Primary Suite is spacious and serene. The luxurious Primary Bath features Dual Vanities, a Garden Tub, large Tiled Shower with frameless glass enclosure, private Water Closet, and an oversized Walk-in Closet--creating a true owner's retreat. The rear of the home also features a Three-Car Garage. Entering from the garage, you'll find a dedicated Mudroom and generously sized Laundry Room, providing the practical spaces today's homeowners appreciate. Upstairs, you'll discover two additional Bedrooms, a Full bath, and a large Bonus/Media Room offering endless possibilities for movie nights, a game room, playroom, or additional gathering space. A convenient walk-in attic area provides valuable storage. And then there is the location; Black Creek offers the beauty and atmosphere of mountain living while placing you approximately 10 minutes from downtown Chattanooga. Twice recognized by *Outside Magazine* as the **"Best Town Ever,"** Chattanooga is celebrated for its incredible outdoor recreation, Tennessee Riverfront, outstanding restaurants, boutique shopping, museums, entertainment, and live music. Whether you're heading downtown for dinner, spending the day outdoors, or simply enjoying the privacy and beauty of Black Creek Mountain, 2954 River Gorge Drive offers the opportunity to enjoy an exceptional home in an exceptional setting. Your new home is waiting. Schedule your private showing today!

2954 River Gorge Drive 940, Chattanooga
120 Pathfinder Place 41, Chattanooga
$534,900
3 Beds ⋅ 3 Baths ⋅ 1543788 MLS
LAST 2 REMAINING LINDSEY SKY TOWNHOMES | $25,000 FLEX CASH! Seller is offering $25,000 Flex Cash incentive on contracts written in October when working with our Preferred Lenders. Ask the onsite agent for details. Experience maintenance-free living in the Lindsey SKY, an exceptionally limited townhome plan in Chattanooga's highly desirable and walkable Northshore. Only six Lindsey SKY homes will ever be built--four are already sold, making this one of the final opportunities to own this distinctive floorplan. Ideally positioned directly on the community amenity area and just steps from Whole Foods, Coolidge Park, Frazier Five & Dime, Bento Ya, and Clumpies, this east-facing, three-level home combines thoughtful design with an unbeatable urban lifestyle. The Lindsey SKY features 3 bedrooms, 3 full bathrooms, a 2-car side-by-side garage, and a partially covered third-floor rooftop deck--the perfect setting for morning coffee, entertaining, or taking in the surrounding views. Inside, the open-concept kitchen and family room are anchored by a spacious island, creating an inviting space for everyday living and entertaining. The owner's suite is a true retreat, highlighted by 12'+ maximum ceiling height and transom windows that bring in abundant natural light. Rarely available and highly limited, the Lindsey SKY delivers the best of Northshore urban living--location, design, views, and maintenance-free convenience. Don't miss this final opportunity.

120 Pathfinder Place 41, Chattanooga
106 Arlington Terrace, Chattanooga
$225,000
4 Beds ⋅ 2 Baths ⋅ 1543775 MLS
Welcome home to this beautifully remodeled 4 bedroom, 2 bath home. Extensively renovated from top to bottom, this home offers the feel and peace of mind of a nearly new home at an affordable price point, making it an excellent opportunity for first time buyers. The renovation goes far beyond cosmetic updates. Improvements include rebuilt subflooring, all new walls, new flooring throughout, fresh interior and exterior paint, a brand new kitchen and updated bathrooms, a new HVAC system, and completely updated electrical wiring. With so much of the home rebuilt and replaced, you can move in and enjoy without taking on a long list of projects. Outside, you'll find a large backyard with plenty of room to relax, entertain, garden, or play. Tucked away on a quiet dead end street while still offering convenient access to everyday necessities, this move in ready home combines affordability, extensive upgrades, and a great location. A rare opportunity to own a completely refreshed home without the new construction price tag!

106 Arlington Terrace, Chattanooga
412 Isbill Road, Chattanooga
$389,900
4 Beds ⋅ 2 Baths ⋅ 1543740 MLS
Welcome to Lookout Valley- one of Chattanooga's up-and-coming areas, where a peaceful, country-like setting meets the convenience of being just minutes from downtown! Situated at the base of Elder Mountain, this beautifully remodeled ranch offers the best of both worlds with a spacious yard, mountain surroundings, and easy access to all that Chattanooga has to offer. Remodeled in 2023, this 4-bedroom, 2-bath home has been thoughtfully updated and continues to show beautifully. Updates include LVP flooring throughout, new siding and windows, updated lighting, remodeled bathrooms, and a stylish kitchen featuring updated cabinetry, granite countertops, backsplash, and appliances. The roof and HVAC were replaced in 2020, providing additional peace of mind. The spacious layout offers plenty of room for everyday living, with four bedrooms and two full baths. Step outside to the large backyard and deck, where there's plenty of space for children, pets, gardening, entertaining, or simply enjoying the peaceful setting. If you're looking for a home that gives you that country feel without giving up the convenience of the city, this one is worth a look. Just minutes from downtown Chattanooga and nestled at the base of Lookout Mountain, 412 Isbill Rd offers space, updates, and a location that continues to grow in popularity. Check out the virtual tour!

412 Isbill Road, Chattanooga
1048 Flynn Street, Chattanooga
$325,000
2 Beds ⋅ 2 Baths ⋅ 1543735 MLS
Location, location, location! Listed for sale, this two-bedroom, one and a half-bath home just a few blocks south of the Fort Wood Historic District is in close proximity to the UT Chattanooga campus and all that downtown Chattanooga living has to offer. This property is approved, and currently used, as a short-term vacation rental (per seller, a new owner must re-apply to continue that status). This home, built in 2004, is ideal as an owner occupied dwelling, a rental, or as an AirBnB. Enjoy morning coffee or an evening breeze on the covered front porch. Stroll down the sidewalk to Champy's or Uncle Larry's for dinner; there are numerous amenities nearby. The bedrooms and laundry are upstairs with a living room and dining area (with hardwood flooring) and kitchen on the main level. The house is wired for EPB fiber internet, which boasts the fastest gig internet in the entire United States. The exterior is preferred cement fiber siding. Convenient off-street parking is behind the house on a concrete pad. For ease of transportation, there are multiple paths to and from Flynn St. The backyard has ample space for storage needs, hobbies, or perhaps a future detached garage. Kitchen appliances, washer and dryer will remain. The existing furniture, décor, and assorted contents are negotiable. All HVAC units are serviced twice per year and recent service invoices as well as other necessary disclosures and forms are available for showing agents to download and print. The main level unit was replaced in 2022. Call your real estate professional and schedule a showing today!

1048 Flynn Street, Chattanooga
123 Lead Lane Homesite 34, Chattanooga
$476,866
2 Beds ⋅ 3 Baths ⋅ 1543731 MLS
$25,000 FLEX CASH INCENTIVE Welcome to BELLEWETHER--where modern design meets the charm and natural beauty of Chattanooga's vibrant Northshore. For a limited time, receive $25,000 in Flex Cash when you finance through a preferred lender. This thoughtfully designed home offers versatile, multi-level living, including a spacious first-floor flex room ideal for a home office, gym, or den. The open-concept main level seamlessly connects the designer kitchen, dining, family room and porch--perfect for everyday living and entertaining. Retreat to a beautiful owner's suite, while guests enjoy their own private space with a full bath. The 2-car garage adds everyday convenience. Enjoy morning coffee or evening relaxation from your covered front porch, with direct access to a grassy amenity area--perfect for taking in the views and connecting with the community. Located in the heart of Northshore, BelleWether offers walkable access to scenic trails, local dining, and downtown Chattanooga. **DISCLAIMER: Kindly note, the provided photos offer a glimpse into the forthcoming home.

123 Lead Lane Homesite 34, Chattanooga
306 Signal View Street, Chattanooga
$250,000
2 Beds ⋅ 2 Baths ⋅ 1543724 MLS
A charming Red Bank bungalow in a walkable location, with two full bathrooms, a large fenced yard and a 1,200-square-foot garage, all for $250,000! Plus, up to $10,000 in down payment assistance may be available to qualifying first-time buyers. Welcome to 306 Signal View St in Chattanooga, TN. This 1940 bungalow offers 2 bedrooms, 2 full bathrooms and approximately 1,093 square feet on a 0.35-acre lot, combining original character with updates and outdoor space, approximately 10 minutes from Downtown Chattanooga. A spacious front porch welcomes you inside, where a full wall of built-ins and abundant natural light give the living room warmth and character. LVP flooring continues through the living and dining rooms, leading to a kitchen with white cabinets, stainless steel appliances, granite and butcher block countertops, and new tile flooring. Both bedrooms offer LVP flooring and custom built-in closet systems. The primary bedroom features an en suite bathroom with a skylight, beadboard detailing, a granite-topped vanity, mosaic tile flooring, a linen closet and a tub/shower combination with a chrome dual showerhead. Off the hallway, the second full bathroom includes beadboard detailing, a granite-topped vanity and a tub/shower combination. A laundry area with a utility sink and cabinetry adds convenient storage. Outside, a covered back porch with a metal roof overlooks the level backyard, fully enclosed by a privacy fence. The driveway leads to rear parking and a detached two-car garage. At approximately 1,200 square feet, the garage offers plenty of room for parking, storage, a workshop or a home gym. Recent updates include a new roof, a French drain and crawlspace with a dehumidifier and vapor barrier. Enjoy a walkable Red Bank location close to local shops, coffee, bakeries and restaurants. Nearby favorites include The Mustard Seed, Haley Reynolds Home, Bud Floral, (Be)Caffeinated, Morning Bee Bakery, Bread & Butter, The Spritzeria, Clever Ale House, Pizzeria Cortile and Dub's Place, with Food City nearby for groceries. The Red Bank Community Center, Red Bank Pool and pickleball courts at Red Bank City Park offer recreation close to home, while Stringer's Ridge, Renaissance Park, White Oak Park and the Tennessee River are just minutes away. Buyer to verify all information.

306 Signal View Street, Chattanooga
9302 Rockshire Lane, Chattanooga
$449,000
4 Beds ⋅ 3 Baths ⋅ 1543722 MLS
Fall in love with 9302 Rockshire Lane and make your move in time to enjoy the 2026 holiday season! Cooler evenings by the wood-burning fireplace, gatherings around the dining table, and a welcoming covered front porch make this Mountain Shadows home a wonderful setting for your next chapter. Seller is offering a $9,000 credit toward an interest-rate buydown or buyer closing costs with an acceptable offer--an opportunity to potentially lower your monthly payment or reduce cash needed at closing. Located off East Brainerd and Banks Road on nearly half an acre near a cul-de-sac, this beautifully maintained home offers 4 bedrooms, 3 full bathrooms, more than 2,200 square feet, and numerous improvements completed from 2020-2026. Step inside to a spacious foyer and bright great room with soaring cathedral ceilings, a skylight, and a cozy fireplace. The separate dining room is ready for holiday meals, while the updated kitchen features upgraded countertops, modern appliances, updated flooring, a skylight, and an adjoining breakfast area. Three generously sized bedrooms and two full bathrooms occupy the main level, including one bedroom with a private en-suite bath. Upstairs, the impressive primary retreat offers more than 600 square feet with vaulted ceilings and space for a sitting area or home office. Its beautifully renovated bathroom features dual vanities, an oversized walk-in shower with dual rain showerheads and body sprayers, a skylight, and a spacious walk-in closet. Enjoy crisp fall afternoons on the large backyard patio, complete with exterior lighting, a wall-mounted television, and generous seating space. A storage shed, attached two-car garage, convenient laundry room, and additional side driveway for extra vehicles, a boat, or a trailer add everyday practicality. Major improvements include a new roof and four new skylights installed in 2020. Mountain Shadows amenities include a community pool, clubhouse, tennis/basketball court, and playground. Nearby shopping, dining, and major commuter routes make this East Brainerd location especially convenient. A $450 Choice one-year home warranty is available if requested with an acceptable offer. *SOME FURNITURE AND APPLIANCES ARE NEGOTIABLE! Schedule your private showing, explore the online 360-degree virtual tour, and start planning your holiday homecoming!

9302 Rockshire Lane, Chattanooga
1908 Cleveland Avenue, Chattanooga
$195,000
3 Beds ⋅ 2 Baths ⋅ 1543712 MLS
Move-in ready and priced below market value! This 3-bedroom, 2-bath Chattanooga home offers a functional layout, low-maintenance finishes, and excellent potential for both an owner-occupant or investor. Inside, you'll find engineered hardwood and tile flooring throughout, a separate living room, and a spacious kitchen with plenty of room for an eat-in dining area. The home is truly turnkey and ready for its next owner. Outside, enjoy a fenced yard along with a separate storage unit for added convenience. Investors will appreciate the property's proven rental history, with the home most recently renting for $1,700 per month. Whether you're looking for an affordable primary residence or a rental property that's ready to go, 1908 Cleveland Ave offers a compelling opportunity at a price positioned below market value. Seller is also open to considering creative financing options with an acceptable offer, providing additional flexibility for qualified buyers.

1908 Cleveland Avenue, Chattanooga
4007 Sunset Avenue, Chattanooga
$298,000
4 Beds ⋅ 2 Baths ⋅ 1543704 MLS
Beautiful duplex offering two bedrooms and one bath on each side, with a private garage for each unit. The property features an oversized side yard and spacious backyard, providing plenty of outdoor space for relaxing or entertaining. Conveniently located in the heart of Chattanooga, approximately 10 minutes from downtown and 13 minutes from Hamilton Place Mall, with easy access to shopping, dining, and everyday conveniences. One side is currently occupied by a long-term tenant, offering an excellent opportunity for an owner-occupant looking to live in one unit while generating rental income from the other, or for an investor looking to add to their portfolio. A versatile property with options to fit a variety of real estate goals.

4007 Sunset Avenue, Chattanooga
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