Two women laughing and embracing in front of their new home
first-time buyers

your first front door

Couple walking their dog past shops and porches in Avondale
01/04

The 20% down payment is a myth, and it's the myth that keeps good people renting. Alabama has its own programs stacked on top of the federal ones, and most first-time buyers here qualify for more help than they expect. We'll figure out which ones fit you — and no question is a dumb one, ever.

what you actually need down:
3.5% with an FHA loan
nothing down with VA or USDA, if you qualify
as little as 3% on some conventional
alabama help that really exists:
AHFA step up and first step —
4% of the price, up to $10,000
needs a 640 score and a homebuyer class
the part nobody warns you about:
the seller's tax bill won't be yours.
alabama resets the assessment the year
after a house changes hands.
selling your home

sold, minus the stress

Kids riding bikes down a friendly neighborhood street
02/04

Alabama is a caveat emptor state — "buyer beware." You aren't required by state law to hand over a disclosure form about your home's condition. That is not the same as being free to say nothing, and the difference is where sellers get sued. We'll show you exactly where that line sits, then price and market the house against what's genuinely selling near you.

what state law asks of you:
no disclosure form is required
on a previously lived-in home
what you must disclose anyway:
anything affecting health or safety
anything a buyer asks you directly
lead paint, if it was built before 1978
what we do before it goes live:
pricing against real closed comps
photography and a staging plan
a repair list you're allowed to say no to
relocating to alabama

new here? welcome home

Rolling Alabama farmland with peach orchards and a farmhouse
03/04

Buying in a state you've never lived in is mostly a question of what nobody thinks to tell you. Alabama's rules really are different: sellers here aren't required to hand you a disclosure form about the house, and the property tax bill on the listing is not the bill you'll get. We'll tour on video, tell you which streets flood, and get you to the closing table without a plane ticket.

before you book a flight:
video walk-throughs, unedited
drive-arounds of the whole street
commute times at the hour you'd drive it
the tax bill nobody explains:
buying resets the assessed value
the seller's number won't be yours
taxes are due october 1, late after december 31
the week after you close:
file your homestead exemption at the
county office — it isn't automatic,
and it lowers the bill for good
investing

grow something good

Busy main street with shops and pedestrians
04/04

The numbers here are friendlier than most of the country, but there's a catch almost nobody mentions out loud: the day a house stops being someone's home and becomes a rental, Alabama assesses it at twice the rate. That one line can swallow a year of cash flow. We run it before you write the offer, not after.

the math on your tax bill:
owner-occupied is assessed at 10% of value
a rental is class II — assessed at 20%
and it loses the 7% annual increase cap
the math on your down payment:
usually 20–25% down on a straight rental
or 3.5% with FHA if you'll live in one unit
of a two- to four-unit building
what we bring to the table:
rent comps and honest vacancy
contractor bids, not guesses
a walk-away number we hold you to

we're proud realty group — we help folks across central alabama buy, sell, and settle in with honest guidance, zero pressure, and a welcome that means everyone.

respect, guaranteed

Every client, every showing, every closing table. No exceptions, no asterisks.

community-vetted

Honest insight on neighborhoods, schools, and services — from people who actually live there.

a trusted network

Affirming lenders, inspectors, and attorneys — so the whole transaction feels like the first showing did.

what's your home worth?

Get a real answer from a real local expert — not an algorithm's guess. Personalized valuation within 24 hours, no strings attached.

No spam, no pressure. Just your number.

moving somewhere else?

Tell us where you're headed. We'll match you with an agent we'd trust with our own family — almost anywhere in the country.

our corner of alabama

Birmingham and the counties around it. Honest guides to where you'll feel at home — from people with opinions.

Birmingham skyline seen from a historic hillside neighborhood
jefferson county

birmingham metro

Avondale, Crestwood, Forest Park, Homewood — walkable neighborhoods with real character.

explore birmingham
Montevallo's brick main street with shops and the university clock tower
shelby county · ★ our hometown

montevallo

Brick streets, big porches, a great little university, and one of the friendliest downtowns in the state.

explore montevallo
Quiet suburban street with kids riding bikes
shelby county

alabaster · calera · helena

Room to grow, strong schools, minutes from everything.

explore shelby county
Rolling Chilton County farmland with peach orchards
chilton county

clanton & beyond

Acreage, orchards, and small-town living — peaches included.

explore chilton county

people we've brought home

Reviews from Brandelyn's Google Business Profile. Worked with us? We'd love to hear from you.

the insider's guide to calling central alabama home

What it costs, where people actually land, the 30-day deadlines nobody warns you about, and how to find your people once you get here.

Goes straight to the guide — no waiting on an email. We'll only reach out if you'd like us to. Or skip the form and just read it.

questions folks actually ask

Straight answers, no hedging. If yours isn't here, just ask us.

is there an lgbtq+ friendly realtor in birmingham, alabama?

yes. proud realty group is an openly lgbtq+ friendly team based in montevallo, serving the birmingham metro, shelby county, and chilton county. brandelyn nelson (alabama license #108053) works with buyers and sellers across central alabama.

we also keep a referral network of affirming lenders, inspectors, and closing attorneys — so the whole transaction feels the way the first showing did, not just the parts we're in the room for.

which towns in alabama are most welcoming to lgbtq+ residents?

montevallo is one of a small handful of alabama cities with a comprehensive lgbtq-inclusive non-discrimination ordinance. the city council passed it in april 2018, after a campaign led by the montevallo acceptance project, adding sexual orientation and gender identity to the city's protected classes in housing, employment, and public accommodations. birmingham adopted similar protections in 2017.

montevallo is also a university town, which gives it a walkable downtown and a mix of people unusual for a city its size. more on montevallo here.

does alabama law protect against housing discrimination based on sexual orientation or gender identity?

It's complicated, and it changed recently. The federal Fair Housing Act covers race, color, national origin, religion, sex, familial status, and disability. In 2021 HUD began reading the Act's sex protections to include sexual orientation and gender identity, following the Supreme Court's Bostock decision.

That precedent still stands. But as of 2026, HUD has stopped investigating sexual orientation and gender identity complaints — so the protection exists on paper without federal enforcement behind it. Alabama has no statewide law either, which leaves local ordinances doing most of the work: Birmingham adopted comprehensive protections in 2017, Montevallo in 2018.

Private lawsuits under the Fair Housing Act are still possible. We wrote up where things actually stand here — and this is general information, not legal advice.

what areas do you serve?

central alabama — mainly jefferson county (birmingham, avondale, crestwood, forest park, homewood), shelby county (montevallo, alabaster, calera, helena), and chilton county (clanton and out toward the orchards).

can you help me find an agent in another state?

yes, and it costs you nothing. tell us where you're headed and we'll match you with a vetted affirming agent almost anywhere in the country — someone we'd trust with our own family.

how much does it cost to work with a buyer's agent?

buyer agent compensation is negotiable and gets agreed to in writing before we tour anything. we'll walk you through exactly what the agreement says, what's being charged, and who pays it, before you sign a thing. no surprises at the closing table.

come on home

Tell us a little about what you're looking for. Brandelyn reads every one of these herself, and you'll hear back within one business day — no call center, no drip campaign.

hello@proud.realty

No spam, no pressure, no selling your info. Ever.