Special Offers

FHA financing: 5.99% interest rate, 6.746% Annual Percentage Rate. 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 payments starting at $2,531.25 in year 1, declining as mortgage insurance recalculates annually to $2,359.09 in the final year. Payment includes principal, interest, and mortgage insurance (life of loan) only — property taxes and homeowners insurance are additional, so the actual payment obligation will be greater. VA financing: 5.99% interest rate, 6.222% Annual Percentage Rate. 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 equal monthly payments of $2,447.14. Payment includes principal and interest only — property taxes and homeowners insurance are additional, so the actual payment obligation will be greater. Fixed rate. Rate lock up to 60 days available. Special financing made available through a forward commitment funded by Smith Family Homes on select new homes in Smith Family Homes communities in Georgia and South Carolina. Borrower pays no discount points; other closing costs apply. Figures assume a 680 credit score and an owner-occupied primary residence. Rate accurate as of 10/1/2026, 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. Full terms, representative examples, and disclosures: 



Canopy Mortgage, LLC NMLS #1359687 (www.nmlsconsumeraccess.org), 2414 Dallas Hwy, Bldg. 100, Ste. 200, Marietta, GA 30064, (404) 409-0300, www.northstarlending.com. Georgia Residential Mortgage Licensee #47332. South Carolina Mortgage Lender/Servicer License MLS-1359687, S.C. Board of Financial Institutions. Zachary William Creasia, Branch Manager, NMLS #1724572, Georgia MLO License #61509, South Carolina MLO License #MLO-1724572. Equal Housing Lender.