Just closed · Owens Cross Roads, Alabama · June 2026

A last-day builder incentive and a new home under contract in 24 hours

Amy saw one of my Facebook ads and reached out. She was thinking about buying a home, so we started with her numbers: how much she could afford, what kind of homes fit, which areas made sense based on the builder incentives available, and the monthly payment she wanted to stay in.

That same day, a builder called me. It was the last day for an amazing incentive: a 3.99% rate (4.687% APR) for all thirty years.

I told Amy straight. The deal was amazing, but it ended the next day, and that can be too fast for some people. Her answer: "Not a problem. I'm ready to go whenever you are."

I told her I could be at the houses in 30 minutes, and we were off. Within 24 hours of our first conversation, she was under contract on a brand-new 4-bed, 2-bath, 1,774 sq ft home just southeast of Huntsville for $295,900. No closing costs and no down payment, so she paid nothing out of pocket.

Amy, 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 buying 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

Rate
Years 1–303.99% (4.687% APR)

Price $295,900 · 4 bed / 2 bath · 1,774 sq ft · no closing costs · no down payment · under contract within 24 hours

Actual client-specific closed transaction in Owens Cross Roads, AL 35763. USDA financing with 0% down through DHI Mortgage at a 3.99% rate for all 30 years (4.687% APR). Client-specific result; terms are not represented as currently available to other buyers.

More about buying in the Huntsville area · new construction in Huntsville · more client closings

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Start with your numbers, then text me about the house you want. Preapproved buyers move fast — and negotiate from strength.