Special Offers
Build Your Home and Start with a 5-Year Introductory Rate as Low as 5.875% (6.641% APR)!*
For a limited time, take advantage of a 5.875% (6.641% APR) interest rate with a 5/1 ARM on eligible to-be-built homes from Smith Family Homes. Enjoy a lower initial rate while choosing your homesite, floor plan, and available design selections to create a new home that fits your needs.
Explore our communities and available floor plans to start building your new home.
Limited-time offer available on eligible to-be-built homes. Restrictions apply. Rate is fixed for the first five years and may adjust annually thereafter. See disclaimer for complete details.
*FHA financing: 5.875% initial interest rate, 6.641% Annual Percentage Rate. 5/1 ARM: rate fixed for 5 years, then adjusts annually based on the 30-day Average SOFR index plus a 2.25% margin (caps 1/1/5; maximum rate 10.875%). The Annual Percentage Rate may increase after consummation. Example: sales price $400,000, 3.5% down ($14,000), 680 credit score, owner-occupied primary residence; total loan $392,755 including financed FHA upfront mortgage insurance premium; 360 monthly principal and interest payments: $2,323.29 for the first 5 years; based on the current index the payment would adjust to $2,327.73 thereafter, and could be higher or lower at each adjustment (maximum rate 10.875%; final-year payment on the current-index path $2,327.73). Payment includes principal and interest only — property taxes, homeowners insurance, and FHA annual mortgage insurance premium (life of loan) are additional, so the actual payment obligation will be greater.
VA financing: 5.875% initial interest rate, 6.360% Annual Percentage Rate. 5/1 ARM: rate fixed for 5 years, then adjusts annually based on the weekly 1-year Treasury (CMT) index plus a 2.25% margin (caps 1/1/5; maximum rate 10.875%). The Annual Percentage Rate may increase after consummation. Example: sales price $400,000, 0% down ($0), 680 credit score, owner-occupied primary residence; total loan $408,600 including financed VA funding fee; 360 monthly payments: $2,417.02 for the first 5 years; based on the current index the payment would adjust to $2,513.68 thereafter, and could be higher or lower at each adjustment (maximum rate 10.875%; final-year payment on the current-index path $2,513.68). Payment includes principal and interest only — property taxes and homeowners insurance are additional, so the actual payment obligation will be greater.
Special financing made available through a forward commitment funded by Smith Family Homes on select new homes. Borrower pays no discount points; other closing costs apply. Seller to pay up to $10,000 toward buyer's closing costs and prepaids when financing through NorthStar Mortgage Advisors; subject to program interested-party contribution limits; credit cannot exceed actual costs. Figures assume a 680 credit score and an owner-occupied primary residence. Rate accurate as of 10/01/2026, subject to change without notice, and available only while commitment funds remain. Not a commitment to lend. All loans subject to credit and property approval. Not all applicants will qualify. NorthStar Mortgage Advisors, a division of Canopy Mortgage, LLC is not acting on behalf of or at the direction of HUD, FHA, VA, or any other government agency, and this offer is not endorsed or sponsored by any government agency. Canopy Mortgage is not sponsored by, affiliated with or acting on behalf of Smith Family Homes. You may obtain financing from any lender you choose. Canopy Mortgage, LLC NMLS #1359687 (www.nmlsconsumeraccess.org), 2414 Dallas Hwy, Bldg. 100, Ste. 200, Marietta, GA 30064, (404) 409-0300, www.northstarlending.com; Zachary William Creasia, Mortgage Loan Originator, NMLS #1724572, Georgia MLO License #61509, South Carolina MLO License #MLO-1724572. Georgia Residential Mortgage Licensee #47332. South Carolina Mortgage Lender/Servicer License MLS-1359687, S.C. Board of Financial Institutions. Equal Housing Lender.