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Houston

4.875%  30-Year Fixed — VA & FHA 37 homes
Houston — your Davidson team
Division President
Mark Eubanks
no direct line on file
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Director of Sales
Brittany Wilcox
no direct line on file
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Selling Sales Manager
Ashley Chapa
no direct line on file
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VP Operational Strategy
Sarah Banks
770-712-6269
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Closing attorney · Safe Harbor Title
Safe Harbor Title
832-295-1116
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DH closing coordinator
Mauricio Juarez
no direct line on file
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Sales meetingCadence not confirmed
Rate specials4.875% fixed — QMI homes only, 45-day lock (no TBB; corrected per Michael 9/5)
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 (2.59%) — 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).

Homestead is now built in — full exemption audit 9/5/2026 (per Drew’s flag). Every payment assumes a primary residence: the tool nets the $140,000 school exemption (SB 4 / Prop 13) plus every local percentage exemption actually granted — Harris County’s five entities each 20%, City of Houston 20%, HISD’s 20% local option and HCC’s 17% (Robins Landing’s effective rate drops to ~1.26%, the market’s best), Montgomery Co 10% + hospital 20% + Lone Star College 8%, Waller Co 20%, Brazoria entities 20% + Iowa Colony 10%, Galveston entities + Texas City + College of the Mainland all 20%. MUDs and ESDs grant nothing, and neither do Fort Bend or Liberty counties. Gross corrections from the county-sourced audit: Spring Branch Crossing drops to 1.58% (unincorporated — no Conroe city tax), Hill & Dale to 2.81%; Sierra Vista rises to 3.14% (City of Iowa Colony, Alvin College and Drainage 5 were missing) and Emberly to 3.07% (Fort Bend MUD 250 at 1.50 — the builder publishes 3.19). Set: 1.58 Spring Branch, 1.89 Liberty Estates, 2.08 Dayton, 2.13 Robins Landing, 2.14 Windmill, 2.61 Enclave at Newport, 2.67 Caney Creek (an in-community listing shows 2.93 — verifying the MUD), 2.81 Hill & Dale, 3.07 Emberly, 3.08 River Ranch, 3.14 Sierra Vista, 3.19 Lago Mar (MUD 56 sections; MUD 59 runs 3.24), 3.27 Sunterra, 3.37 Sundance Cove. File the homestead after closing; escrow may start at gross; investors quote gross; year-two bills on mid-year builds run 2–4× the land-only first bill.
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The rate specials live in Houston

The 4.875% 30-year fixed — VA and FHA — is live on quick move-in homes with a 45-day lock. Conventional buyers price through Build your own in the tool below. Confirm eligibility on a specific home with Drew before you quote it.

Rate special
4.875%
30-Year Fixed — VA & FHA
QMI · 45-day lock
  • Fixed for the full 30-year term — no adjustment, ever
  • VA: $0 down, no monthly MI
  • FHA: 3.5% down, UFMIP financed, annual MIP applies
  • Quick move-in homes only, on a 45-day lock — the home closes inside it
Rates confirmed August 26, 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 — Texas

Every NorthStar advisor working Houston, 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 →
Macie Baglin
Macie Baglin
Mortgage Loan Originator
(706) 349-1173macie.baglin@northstarlending.com
NMLS #2132433
Apply with Macie →
Kennedy Thornton
Kennedy Thornton
Operations Manager · files to closing, updates to your TCs
kennedy.thornton@northstarlending.com
AdvisorTexasAll active licences
Drew Lingo #2075184Licensed in TXAL, FL, GA, LA, MS, TN, TX-SML (7 active of 15)
Macie Baglin #2132433Licensed in TXAL, FL, GA, TX-SML (4 active of 6)
Lee Brown #1647826Not licensed in TXAL, FL, GA, NC, TN (5 active of 9)
Rachel Benton #1749533Not licensed in TXAL, FL, GA, SC-BFI, TN (5 active of 5)
Travis Fredrick #2767651Not licensed in TXAL, GA (2 active of 2)
Chris Stacy #1659829Not licensed in TXAL, 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.