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Nashville

8 homes
Nashville — your Davidson team
VP of Sales
Zach Custer
615-587-2000
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VP Operational Strategy
Sarah Banks
770-712-6269
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Closing attorney · McMichael & Gray
Emily Reed
no direct line on file
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DH closing coordinator
Lauryn Shappie
725-244-8015
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Sales meetingCadence not confirmed
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 (0.49%) — 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).

Tennessee assesses residential at 25% of appraised value, so effective rates are low. Wilson County reappraised January 2026 and cut its rate from $1.91 to $1.17 — Benders Cove is now 0.36% (Mt. Juliet’s city rate tripled to $0.29 for fire service, already included). 0.49% Gallatin (Sumner’s 2025 reappraisal rates confirmed), 0.67% Calista Farms — parcel-confirmed on the Robertson side of White House, the higher-tax side. No general TN homestead exemption — these are the owner-occupant rates. Re-check Mt. Juliet when its post-reappraisal city rate publishes (could shave Benders Cove to ~0.34%).
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Rates in Nashville

No division rate specials are running in Nashville right now. The payment tool still works: use Build your own with the rate your mortgage advisor quotes you — VA, FHA and conventional on any home below.

There is no division forward commitment here yet. No rate specials are running in Nashville right now — use the payment tool with the rate your mortgage advisor quotes you, and it will price VA, FHA and conventional side by side on any home below. If you want a rate special in this market, tell us and we will go get one.

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 — Tennessee

Every NorthStar advisor working Nashville, 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 →
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
AdvisorTennesseeAll active licences
Drew Lingo #2075184Licensed in TNAL, FL, GA, LA, MS, TN, TX-SML (7 active of 15)
Lee Brown #1647826Licensed in TNAL, FL, GA, NC, TN (5 active of 9)
Rachel Benton #1749533Licensed in TNAL, FL, GA, SC-BFI, TN (5 active of 5)
Chris Stacy #1659829Licensed in TNAL, FL, GA, OK, SC-BFI, TN, VA (7 active of 7)
Macie Baglin #2132433Not licensed in TNAL, FL, GA, TX-SML (4 active of 6)
Travis Fredrick #2767651Not licensed in TNAL, GA (2 active of 2)
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.