IT'S HERE!!!!  100% Alabama Housing Bond Money:  Released Today!  (08-27-08)

The First Step Bond Program through Alabama Housing Finance Authority has just been released.  Colonial Bank is happy to be a participating lender for this zero down payment program.  $30,000,000 has been allocated at a rate of 5.875% fixed for 30 years.  There are sales price limits of $289,705 for Target Areas, and $237,031 for Non-Target areas.  It's not just for first time home buyers!  Search the entire Huntsville, Madison, and Athens MLS to find a property then contact me and I will help you negotiate the best price on your next home!

Pre-qualification simply means you haven't been ruled out for any particular loan program.  But a pre-approval means your credit, income and assets appear to satisfy all of the requirements for the loan of your choice.  Today, credit scores are more important than ever!  No one wants to waste time.  Allow myself and your choice of a mortgage professional help you with your Huntsville and North  Alabama Real Estate needs.   Our real estate market in North Alabama is still as strong as anywhere in the country, and it will continue to grow stronger as the BRAC relocation brings more opportunity to the Huntsville and North Alabama area.