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Charlotte

3.99%  5/1 ARM — VA & FHA 9 homes
Charlotte / North Carolina — your Davidson team
Division Presidentunconfirmed
Brad Nelson
no direct line on file
Email
VP Sales & Marketing
Marisa Leigh-Laba
919-475-4299
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Area Sales Manager
Kim Mulder
919-255-2602
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VP Operational Strategy
Sarah Banks
770-712-6269
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Closing attorney · Moore & Alphin
Casey Heim, Partner
919-787-8812
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DH closing coordinator
Nancy Marihew
984-217-8560
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Sales meetingNC sales team meets Wednesdays — virtual, Teams
Rate specialsNot established yet
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 (1.06%) — 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).

The Mooresville question is now settled: all 32 Windgate parcels were checked against Iredell County’s tax database on 8/23/2026 — Windgate is NOT in the Mooresville Graded School District. Correct stack is Iredell County 0.50 + Town of Mooresville 0.4836 = 0.98%. Enclave at Belmont confirmed at 1.05% (Gaston 0.599 + Belmont 0.455). Both counties revalued January 2023 and revalue again January 2027 — assessed values on existing homes run ~75–80% of today’s sale prices until then, so these estimates are conservative for escrow.
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The rate specials live in Charlotte

The 3.99% 5/1 ARM is the live special in this division, on a 45-day lock — and Davidson runs it on specific homes only. The payment tool below shows the 3.99% on exactly the homes Davidson has confirmed (list from Kim Mulder, updated 9/11/2026); every other home prices at today’s quoted rate. Conventional is not offered here. For a 30-year fixed VA or FHA quote, use Build your own with today’s quoted rate.

Rate special
3.99%
5/1 ARM — VA & FHA
45-day lockQMI & to-be-built
  • Fixed 5 years, then adjusts annually
  • VA: $0 down, no monthly MI
  • FHA: 3.5% down, UFMIP financed, annual MIP applies
  • 45-day lock — the home needs to close inside it
Rates confirmed September 11, 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.
The conventional option is gone in North Carolina. The division is running the 3.99% 5/1 ARM special — VA and FHA only — with a 45-day lock, so it fits homes that can close inside 45 days. It is a per-home incentive: if a home does not show the 3.99% card in the payment tool, it is not on Davidson’s list — do not quote it. If you are unsure of an incentive on a specific home, email the NHC and copy Marisa Laba and Kim Mulder before communicating anything to the buyer. Buyers who need a 30-year fixed can still be priced through Build your own with today’s quoted rate; conventional buyers go to your mortgage advisor for options outside this program set.

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 — North Carolina

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

Lee Brown
Lee Brown
Mortgage Loan Originator · West Atlanta
(404) 334-3336lee.brown@northstarlending.com
NMLS #1647826
Apply with Lee →
Kennedy Thornton
Kennedy Thornton
Operations Manager · files to closing, updates to your TCs
kennedy.thornton@northstarlending.com
AdvisorNorth CarolinaAll active licences
Lee Brown #1647826Licensed in NCAL, FL, GA, NC, TN (5 active of 9)
Drew Lingo #2075184Not licensed in NCAL, FL, GA, LA, MS, TN, TX-SML (7 active of 15)
Macie Baglin #2132433Not licensed in NCAL, FL, GA, TX-SML (4 active of 6)
Rachel Benton #1749533Not licensed in NCAL, FL, GA, SC-BFI, TN (5 active of 5)
Travis Fredrick #2767651Not licensed in NCAL, GA (2 active of 2)
Chris Stacy #1659829Not licensed in NCAL, FL, GA, OK, SC-BFI, TN, VA (7 active of 7)
Lee Brown is the only advisor licensed in North Carolina. That is a single point of failure for a market with 9 homes in it. A second licence here should come before anything else on this page.
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.