Huntsville, AL Real Estate Agent · Capstone RealtyThe right house. The best deal on it.
I'm Teré Calloway. I find the right house for you — resale, new construction or land — then negotiate the price, repairs, closing costs and rate that show up in your payment every month for thirty years.
Numbers first. Then the house. Then the deal.
Most buyers start by touring. That's how people fall in love at the wrong price. Here's the order that gets you the best deal.
Know your numbers
Start with the affordability calculator and get preapproved. I estimate real buying power from income, debt and credit — so we shop the right price range from day one. Preapproval comes before showings, always.
Find the right house
Resale, new construction or land — anywhere across Huntsville, Madison and the communities around them. I match the house to your budget and your life, not the other way around.
Negotiate the deal
Price, repairs, seller-paid closing costs, rate buydowns, upgrades, warranties. That negotiation is the product — and you'll know exactly what's going on at every step.
Reach out before you buy — that's where the money is.
Rates are hard to picture. Payments aren't. Here's what this month's best builder rate, as low as 4.99%, looks like in real monthly dollars at three price points, next to the same loan at a 7.5% market rate.
As low as 4.99% on new construction
Huntsville-area builders are paying to bring rates down right now. The best offers this month are a full 30-year rate, not a temporary buydown:
That difference is hundreds of dollars a month, every month. See every current deal.
Rates and APRs are quoted by each builder's preferred lender, require qualification, and can change or end at any time. Not a rate quote or offer of credit.
Monthly payment vs. market rate
$300,000 home · FHA, 3.5% down · full monthly payment incl. est. taxes, insurance & mortgage insurance
$400,000 home · FHA, 3.5% down · full monthly payment incl. est. taxes, insurance & mortgage insurance
$500,000 home · FHA, 3.5% down · full monthly payment incl. est. taxes, insurance & mortgage insurance
| Home price | Market 7.5% | Builder rate 4.99% | Saved per month | Saved per year | Saved, first 5 years |
|---|---|---|---|---|---|
| $300,000 | $2,454 | $1,890 | $564 | $6,766 | $33,832 |
| $400,000 | $3,222 | $2,498 | $724 | $8,688 | $43,442 |
| $500,000 | $3,991 | $3,106 | $884 | $10,611 | $53,054 |
Estimates for a 30-year fixed FHA loan with 3.5% down and the 1.75% upfront mortgage insurance premium financed. Every payment shown includes principal, interest, monthly FHA mortgage insurance, and estimated property taxes and homeowners insurance; HOA dues are not included. Market comparison at 7.5%. Builder rate 4.99% (5.299% to 5.502% APR depending on builder and loan program, as quoted by the builders' preferred lenders). *30-year total assumes the loan is kept for its full term with no refinance. Incentives and rates change and depend on the builder, lender, loan program and your qualifications. Not a rate quote or offer of credit.
- Seller- and builder-paid closing costs
- Temporary and permanent rate buydowns, explained in full
- Upgrades, fences, appliances and warranties
- Repair credits and price reductions on resale homes
Full-service representation across North Alabama
Buying a home
Resale, new construction or land. I find the right house, then negotiate price, repairs, closing costs and terms.
Learn more →New construction
Builder incentives — rate buydowns, closing costs, upgrades — negotiated by someone who represents you, not the builder.
Learn more →First-time buyers
Know your real range before you tour, and know exactly what's going on at every step.
Learn more →Moving to Huntsville
Relocating for Redstone, NASA, aerospace or tech? I'll help you choose where to live and buy from anywhere.
Learn more →Military relocation
PCSing to Redstone Arsenal? VA loan know-how, remote video tours and a tight timeline.
Learn more →Selling your home
Pricing built on numbers, professional photos and video walk-throughs that people actually watch.
Learn more →250+ closings. Real buyers. Real keys.
First-time buyers, move-up buyers, relocations and sellers — keys in hand. 5.0 ★ on Google.
“Tere was so thorough through this entire process! I had so many questions and he has always made sure to give answers! He met every need that I asked of him and went out of his way to ensure this process was as smooth as possible. He was also there for me through every step of the process, even if it was encouragement! Thank you so much for being apart of this milestone Tere!”
“Huntsville, if you want top-tier service, unmatched hustle, and results that speak for themselves, call Teré Calloway. He’s hands down the BEST realtor in Huntsville, AL.”
“It was an absolute pleasure to work with you. I will definitely recommend you to anyone looking for a new house. Thank you again for being real lol and getting me into this beautiful house.”
From Falcons camp to 250+ Huntsville closings
I played college football at the University of Nevada and Alabama A&M, then went to camp with the Atlanta Falcons. That's why this business runs on preparation and numbers instead of vibes.
Seven years and 250+ homes later, the job is the same every time: find the right house, then go win the best deal on it.
More about meHome tours and straight answers
New Construction Home Walk Through — Huntsville, Alabama
Custom Home Video Walk-Through — 12350 Laxmi St, Madison, AL
Huntsville — and everything around it
Huntsville, Madison, and the communities ringing them: Meridianville, Hazel Green, Harvest, Toney, New Market, plus Athens and Decatur. Same budget, very different houses depending on where you look.
Let's go find your deal.
Start with your numbers, then text me about the house you want. Preapproved buyers move fast — and negotiate from strength.