A year of planning, then 4.5% locked for 30 years on a new Huntsville home

Hunter and Maggie first reached out about a year ago with one question: where do we stand?

I gave them a straight answer: where they were today, what they could qualify for, and, if they wanted more options, exactly what they'd need to do to get there.

A year later, Hunter reached back out with updated numbers. This time I could tell them exactly where they stood, then go find the best deal available: a brand-new 4-bed, 3-bath, 2,019 sq ft home in Huntsville for $337,900, with no closing costs and a builder-funded permanent buydown that locks their rate at 4.5% (5.202% APR) for all thirty years. Their payment is $1,993.98 a month with taxes and insurance included.

The hard part was the loan itself. Every loan program has its own requirements. Every time a hurdle came up, I worked it with the lender until it was cleared.

That's how I work. There's no question I can't answer or find the answer to, and until I say it can't be done, it can be done.

Hunter and Maggie, thank you for trusting me to lead you through one of the biggest financial decisions of your life. I'll always take care of you, and you can count on me to put you in your best position.

Thinking about a new home in Huntsville? Start at the affordability page, then text me at (256) 222-5828 and let's go find your deal.

The deal, by the numbers

Price $337,900 · 4 bed / 3 bath · 2,019 sq ft · no closing costs · permanent rate buydown

Actual client-specific closed transaction in Huntsville, AL 35811. USDA financing with 0% down through DHI Mortgage using a seller-funded permanent rate buydown. Payments shown are based on final lender figures and include [P&I, mortgage insurance/funding fee if applicable, estimated property taxes and homeowners insurance]; [HOA excluded]. Client-specific result; terms are not represented as currently available to other buyers.

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