TBG Homes Launches Special 4.99% Financing for Qualified Buyers

Take Advantage of This Rare Homebuying Opportunity

North and Central Alabama homebuyers, this is your moment. TBG Homes is excited to announce an incredible new financing offer — starting as low as 4.99% on a 30-year conventional loan, locked for qualified buyers through Down Home Mortgage. This limited-time program is designed to make your dream of homeownership more affordable and attainable than ever.

Whether you’re a first-time buyer or looking to move into a new construction home with more space, this rate could significantly lower your monthly payment — meaning you get more home for your budget. With interest rates having been a challenge for so many buyers over the past few years, this offer opens the door for families who may have been waiting on the sidelines. It’s also a chance to secure a home before prices climb higher in Alabama’s fast-growing markets. Acting now means you can step into a brand-new home with a rate you’ll feel good about for years to come.

Why This 4.99% Offer Matters Now

Mortgage rates have been one of the hottest topics in 2025, and for good reason. Rates have fluctuated, and affordability has been a challenge for many homebuyers. With market uncertainty continuing in 2025, securing a locked rate now can give buyers a major advantage and peace of mind. Acting early can also position you ahead of future demand as more buyers re-enter the market this year.

Locking in a competitive rate now can help you:

• Reduce your monthly mortgage payments
• Afford a higher-value home while staying within your budget
• Gain predictability with a 30-year fixed rate
• Protect yourself from future interest rate increases

This program is available while funds last, so timing is everything. By locking in today, you could save thousands over the life of your mortgage. It’s a rare opportunity for Alabama buyers to get both a beautiful new home and a historically competitive rate at the same time. Don’t wait — the sooner you act, the better your chance of securing this deal before funds run out.

What Homebuyers Are Asking Right Now

We hear from homebuyers every day who have questions about financing in today’s market. Here are the top questions — and answers — to help you feel confident moving forward:

1. What does “starting as low as 4.99%” mean?

This means that qualified buyers — based on credit, income, and other lending factors — can secure a mortgage interest rate beginning at 4.99%. Your exact rate will depend on your personal situation and the loan program that best fits your needs.

2. How does a locked rate protect me?

A rate lock guarantees that your interest rate won’t change between the time you’re approved and the time you close, even if rates rise in the market. This helps you plan your budget with confidence.

3. Do I have to use Down Home Mortgage to get this rate?

Yes, this offer is exclusively available through Down Home Mortgage, our trusted lending partner. Their team specializes in guiding buyers through the process quickly and clearly.

4. Is this offer available for all TBG Homes communities?

Yes — as long as funds remain available, this program can be applied to homes across our North and Central Alabama communities.

5. How long will this promotion last?

The offer is available while funds last. That means acting quickly is the best way to take advantage of this limited-time opportunity.

Why Buy a New Construction Home Now

Pairing a competitive interest rate with a new construction home is a powerful combination. Buying new means:

• Lower Maintenance Costs – Brand-new systems and appliances reduce repair worries.
• Energy Efficiency – Modern homes are built to current codes, saving you money every month.
• Personalization Options – Depending on construction stage, you may still be able to choose finishes and upgrades.
• Community Amenities – Many TBG Homes neighborhoods include parks, trails, and shared spaces.

How to Take the Next Step

Ready to make the move? Here’s how to get started:

1. Browse Our Available Inventory – Explore homes ready for quick move-in.
   
2. Get Pre-Qualified Through Down Home Mortgage – Learn what you can afford and secure your rate.
   
3. Schedule a Tour – Walk through homes that match your style and budget.
   
4. Act Quickly – Remember, this is a limited-time offer.

Local Market Insight

As a local home builder serving Huntsville, Athens, Elkmont, Tuscaloosa, and the surrounding areas, we know affordability is top of mind for families. Programs like this make homeownership more accessible and can help more residents stay rooted in both North and Central Alabama.

Whether you’re relocating to Huntsville for work at Redstone Arsenal, transferring to Tuscaloosa for a new opportunity, or simply upgrading your space for a growing family, this program gives you a rare chance to pair competitive financing with a brand-new home — a win-win for today’s market. Families in Elkmont and the smaller surrounding towns can also take advantage of this offer, making it easier to stay close to schools, workplaces, and extended family. In Central Alabama, this program is ideal for buyers looking for a smarter alternative to rising rents. TBG Homes communities are built with long-term value in mind, so locking in a great rate today means building equity right away. This is more than just a mortgage offer — it’s an opportunity to plant roots in the place you want to call home.