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Prescott

3.99%  5/1 ARM — VA & FHA5.50%  30-Year Fixed — VA & FHA 21 homes
Prescott / Arizona — your Davidson team
Division President
Graham Epperson
no direct line on file
Email
Director of Sales & Marketing
Steve Snoddy
602-297-7663
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Sales & Closing Coordinator
Emily Pierce
928-642-4404
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VP Operational Strategy
Sarah Banks
770-712-6269
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Title & closing · Safe Harbor Title
Christine House
480-790-9097
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DH closing coordinator
Emily Pierce
928-642-4404
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Sales meetingCadence not confirmed — site introduced to the AZ team 9/5
Rate specialsQuoted-rate market — no forward commitment. Gage Dollar (NMLS #2359894, AZ-licensed 9/10/2026) is the NorthStar advisor for Arizona
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 (0.47%) — 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).

Arizona taxes off the Limited Property Value, not the sale price. Owner-occupied homes are Class 3, assessed at 10% of LPV, and the LPV of an existing home can only grow 5% a year — which is why published effective rates look low. Preliminary set (city-level medians, 9/3/2026): 0.34% Prescott, 0.47% Cottonwood, 0.50% Prescott Valley. Two cautions until the parcel-level audit lands: those medians lean on long-held homes with capped LPVs, so a new build’s first full bill can run higher than the median suggests; and new construction is commonly billed land-only in year one with the full bill arriving in year two — escrow off the finished value, not the first tax certificate. Rates will be re-verified against Yavapai County parcel records the way every other market was.
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Rates in Prescott

These are Davidson’s Arizona rate promotions, not a NorthStar division forward — Davidson advertises them and NorthStar delivers them. The 3.99% 5/1 ARM runs on quick move-in homes and the buyer must close by November 30, 2026; the 5.50% 30-year fixed is the to-be-built program on a 180-day lock. Anything outside those two prices off Build your own with the rate Gage quotes. Special-priced homes from Davidson’s 9/1 list are marked on the home picker and also qualify for the spec closing-cost incentive below. Disclosures for both programs are in the disclosure generator under Market: Prescott, AZ.

Rate special
3.99%
5/1 ARM — VA & FHA
Move-in ready homesQMI — quick move-in homes
  • Fixed 5 years, then adjusts annually
  • VA: $0 down, no monthly MI
  • FHA: 3.5% down, UFMIP financed, annual MIP applies
  • Quick move-in homes only — the buyer must close by November 30, 2026
Rate special
5.50%
30-Year Fixed — VA & FHA
To be built · 180-day lock
  • Fixed for the full 30-year term — no adjustment, ever
  • 180-day lock — built for pre-sales on a lot where the home takes months to finish
  • VA: $0 down, no monthly MI · FHA: 3.5% down
  • Quote it in the tool: pick the community, choose “To be built”, type the plan price plus lot premium
Arizona runs on Davidson’s own rate promotions, not a NorthStar division forward. The two programs above are the ones Davidson advertises in this market — the 3.99% 5/1 ARM on quick move-in homes (close by November 30, 2026) and the 5.50% 30-year fixed to-be-built on a 180-day lock. Everything else prices off Build your own with the rate Gage quotes — VA, FHA and conventional on any home below. Confirm a specific home’s incentive with the Davidson sales manager before you quote it.
Rates confirmed September 18, 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.
Davidson Arizona incentives (Pricing Plan 7.1.26 — confirm current amounts with your sales manager): new builds carry a “Use Your Way” credit and specs carry closing-cost assistance, by community — Hidden Hills, North Ridge and South Ranch Destination: $7,500 Use Your Way / $10,000 closing assistance · South Ranch Southern: $5,000 / $7,500 · South Ranch Western: $7,500 / $12,500 · Vineyards at Cottonwood: $5,000 / $7,500. Special-priced homes also qualify for the spec closing-cost incentive. Incentives cannot be stacked — determine the best value for each customer — and are tied to the buyer’s election to finance through Davidson’s designated lender program. EMD: 5% of base + lot premium, plus 30% of options for structural changes; all-contingency EMD $10K ($15K at Hidden Hills). Hometown Hero’s: $1,000 toward options for police, fire and military.

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 — Arizona

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

Kennedy Thornton
Kennedy Thornton
Operations Manager · files to closing, updates to your TCs
kennedy.thornton@northstarlending.com
Gage Dollar
Gage Dollar
Mortgage Loan Originator · Arizona
(706) 620-0673gage.dollar@northstarlending.com
NMLS #2359894
Apply with Gage →
BP
Bailey Pelkey
Production Partner · Team Lingo — supports Gage Dollar’s Arizona buyers
(706) 343-3430bailey.pelkey@northstarlending.com
AdvisorArizonaAll active licences
Gage Dollar #2359894Licensed in AZAL, AZ, GA, MI, SC (5 active of 13)
Drew Lingo #2075184Not licensed in AZAL, FL, GA, LA, MS, TN, TX-SML (7 active of 15)
Macie Baglin #2132433Not licensed in AZAL, FL, GA, TX-SML (4 active of 6)
Lee Brown #1647826Not licensed in AZAL, FL, GA, NC, TN (5 active of 9)
Rachel Benton #1749533Not licensed in AZAL, FL, GA, SC-BFI, TN (5 active of 5)
Travis Fredrick #2767651Not licensed in AZAL, GA (2 active of 2)
Chris Stacy #1659829Not licensed in AZAL, FL, GA, OK, SC-BFI, TN, VA (7 active of 7)
Arizona is served directly by NorthStar. Gage Dollar (NMLS #2359894) holds an active Arizona license and is the mortgage advisor for Prescott, Prescott Valley and Cottonwood; loan processing stays with the NorthStar team. Reach Gage at (706) 620-0673 or gage.dollar@northstarlending.com. Applications should use Gage’s direct link (the Apply button on his card in the payment tool) so the file lands with this team. Arizona license verified in NorthStar’s LOS on September 12, 2026 (issued September 10, 2026; expires January 7, 2027).
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.