A fenced yard, $30K in flex cash and a 2-1 buydown on a new Meridianville home
Erika came to me with a clear list. She knew what she wanted in a home and where her numbers needed to land, and she wasn't willing to give up either one.
So we started with her guidelines, not with listings. Once I knew what mattered to her, I brought her options that could actually hit those goals, and one stood out: a brand-new 3-bed, 2-bath, 1,537 sq ft home in Meridianville, just up Hwy 231 from Huntsville, for $260,900.
The challenge was timing. New-construction incentives can change at the drop of a hat.
Erika made that easy. She was prepared and thorough at every step, and that's how we locked in all of it: a builder-paid fence around a great-size yard, $30,000 in seller flex cash, no closing costs, and a 2-1 buydown at 2.875% in year one, 3.875% in year two, then 4.875% (5.879% APR) for years three through thirty. That's $5,436 less in payments over her first two years.
Erika got an awesome new home for her and her family, on her terms.
Erika, 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 the Huntsville area? 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 | Monthly payment | |
|---|---|---|
| Year 1 | 2.875% | $1,326.55 |
| Year 2 | 3.875% | $1,482.64 |
| Years 3–30 | 4.875% (5.879% APR) | $1,631.11 |
Price $260,900 · 3 bed / 2 bath · 1,537 sq ft · $30K seller flex cash · no closing costs · builder-paid fence
Actual client-specific closed transaction in Meridianville, AL 35759. FHA financing with 3.5% down through DHI Mortgage using a seller-funded temporary 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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