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Auburn

3.75%  5/1 ARM — VA & FHA 6 homes
Auburn / Opelika — your Davidson team
Division President
Tammy Zink
no direct line on file
Email
Area Sales Manager
Lora Gonzales
678-520-7163
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Contracts & Closing
Lisa Watson
678-890-2995
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VP Operational Strategy
Sarah Banks
770-712-6269
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Sales meetingRuns with the Atlanta division cadence
Rate specialsNot established yet — 3.75% 5/1 ARM has been floated
Assumptions
Market placeholder — pick a community for its actual rate
Veteran with a disability rating? Adjusting MI? — two fields to change
Set the VA funding fee to 0% for a veteran with a service-connected disability rating — about $8,600 off a $400,000 loan, $40–$46 off the payment. Conventional MI moves with credit score, LTV and AUS findings — the 0.35% default is a planning figure, not a quote. Buyer putting more down on FHA? Raise the FHA down field — 3.5% is the program minimum, and a bigger down payment lowers both the loan and the monthly MIP.
How cash to close is figured
Down payment, plus closing costs and prepaids built from this state’s actual fee stack — tap how on any program card for the line-by-line math — less whatever the seller pays. Seller credit is capped at the program limit (VA and FHA 6%, conventional 3% above 90% LTV) and at actual costs — extra credit can’t reduce the down payment, and the tool says so when it hits the cap. The Loan Estimate issues the real figure.
How these payments are built

Every payment includes principal, interest, property taxes and homeowners insurance, plus mortgage insurance where it applies. Until you pick a community the tax box shows a market placeholder (0.54%) — it is not any one community’s rate. Choose a community or a home and the box switches to that community’s actual rate (Drew, 9/7: the placeholder read as if it were the real number).

Verified against the Alabama Department of Revenue October 2025 schedule. Auburn and Opelika both total 54.0 mills → 0.54% of market value. Lee County also charges a flat $50/year fire fee rather than fire millage — add it to escrow. Owner-occupied must claim homestead to get the 10% Class III assessment; unclaimed is Class II at 20%, double the tax.
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The rate specials live in Auburn

These are the programs this division's forward commitment covers. Confirm eligibility on a specific home with Drew before you quote it to a buyer.

Rate special
3.75%
5/1 ARM — VA & FHA
Lowest paymentQMI & to-be-built
  • Fixed 5 years, then adjusts annually
  • VA: $0 down, no monthly MI
  • FHA: 3.5% down, UFMIP financed, annual MIP applies
  • Temporary buydowns not available on the ARM
The VA/FHA 4.99% 30-year fixed is no longer being offered in Auburn. The division rate live right now is the 3.75% 5/1 ARM for VA and FHA. Do not quote a 4.99% VA or FHA fixed on an Auburn home. If a buyer needs a 30-year fixed on VA or FHA, or any conventional loan, price it at the rate your advisor quotes today using Build your own in the tool below.
Rates confirmed September 19, 2026. Forward commitments move. If this page is more than a few days old, confirm with your mortgage advisor before you quote it to a buyer.

Specials can be limited to specific homes — pick a home in the payment tool below to see exactly what applies to it, and confirm with your advisor before quoting. Where Davidson has published a per-home promotion list, the tool enforces it.

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Advisors & licensing — Alabama

Every NorthStar advisor working Auburn, with NMLS and licence status. Community assignments live in the payment tool — pick a community and the advisor comes with it.

Drew Lingo
Drew Lingo
Branch Manager · Davidson relationship owner
(706) 343-3430Drew.Lingo@northstarlending.com
NMLS #2075184
Apply with Drew →
Rachel Benton
Rachel Benton
Sr. Mortgage Loan Originator · East Atlanta
(470) 206-5658rachel.benton@northstarlending.com
NMLS #1749533
Apply with Rachel →
TW
Taylor Whritenour
Production Partner · supports Rachel Benton’s buyers
taylor.whritenour@northstarlending.com
Lee Brown
Lee Brown
Mortgage Loan Originator · West Atlanta
(404) 334-3336lee.brown@northstarlending.com
NMLS #1647826
Apply with Lee →
Travis Fredrick
Travis Fredrick
Mortgage Loan Originator
(706) 620-3770travis.fredrick@northstarlending.com
NMLS #2767651
Macie Baglin
Macie Baglin
Mortgage Loan Originator
(706) 349-1173macie.baglin@northstarlending.com
NMLS #2132433
Apply with Macie →
Chris Stacy
Chris Stacy
Mortgage Loan Originator
(678) 825-8298teamstacy@northstarlending.com
NMLS #1659829
Apply with Chris →
Kennedy Thornton
Kennedy Thornton
Operations Manager · files to closing, updates to your TCs
kennedy.thornton@northstarlending.com
AdvisorAlabamaAll active licences
Drew Lingo #2075184Licensed in ALAL, FL, GA, LA, MS, TN, TX-SML (7 active of 15)
Macie Baglin #2132433Licensed in ALAL, FL, GA, TX-SML (4 active of 6)
Lee Brown #1647826Licensed in ALAL, FL, GA, NC, TN (5 active of 9)
Rachel Benton #1749533Licensed in ALAL, FL, GA, SC-BFI, TN (5 active of 5)
Travis Fredrick #2767651Licensed in ALAL, GA (2 active of 2)
Chris Stacy #1659829Licensed in ALAL, FL, GA, OK, SC-BFI, TN, VA (7 active of 7)
Verified against NMLS Consumer Access on August 20, 2026 — active licences only. Canopy Mortgage LLC (NMLS #1359687) is licensed in all fifty states, so the company is never the constraint; the individual originator is. Michael Stallings does not originate loans and is not listed as an advisor — he is the final escalation contact.