©2026 Davidson Homes, Inc. | All Rights Reserved | Davidson Homes is a leading builder of quality new homes in Alabama, Arizona, Georgia, North Carolina, Tennessee and Texas. Davidson Homes reserves the right to adjust items listed without prior notice or obligation. Such items may include, but are not limited to, options, included features and community information, pricing, amenities, terms or availability. Features, options, floor plans, elevations, colors, sizes and photographs are for illustration purposes and will vary from homes built. Please see your community specialist for details.
©2026 Davidson Homes, Inc. | All Rights Reserved | Davidson Homes is a leading builder of quality new homes in Alabama, Arizona, Georgia, North Carolina, Tennessee and Texas. Davidson Homes reserves the right to adjust items listed without prior notice or obligation. Such items may include, but are not limited to, options, included features and community information, pricing, amenities, terms or availability. Features, options, floor plans, elevations, colors, sizes and photographs are for illustration purposes and will vary from homes built. Please see your community specialist for details.
*FINANCING OFFER DETAILS: The 4.875% interest rate is available on FHA and VA 30-year fixed-rate purchase loans secured by owner-occupied primary residence on select new homes in Houston, TX, through forward commitments funded by Davidson Homes, LLC and purchased from NorthStar Mortgage Advisors sold 8/24-31/26. The borrower pays no discount points to obtain this rate; the cost of obtaining this rate is paid by Davidson Homes, LLC as a seller-paid contribution. The rate is offered on two commitment types: a 45-day commitment on completed quick move-in homes and a 180-day commitment on select quick move-ins. Other loan terms and programs are available at different rates, points, and Annual Percentage Rates. Rate accurate as of 8/21/2026 and subject to change without notice until locked. You are not required to use NorthStar Mortgage Advisors to purchase a home, and you may obtain financing from any lender you choose; however, this promotional rate and the up to $12,000 closing cost contribution from Davidson Homes are available only in connection with financing through NorthStar Mortgage Advisors. The up to $12,000 contribution may be applied toward closing costs and prepaid items, subject to loan program limits on seller contributions. See New Home Consultant for details.
FHA REPRESENTATIVE EXAMPLE: $400,000 sales price; $14,000 down payment (3.5%, satisfying FHA's minimum required investment); $386,000 base loan amount; 96.50% loan-to-value; 30-year fixed rate; 680 or higher representative credit score; owner-occupied primary residence purchase. A financed upfront FHA mortgage insurance premium of 1.75% ($6,755) produces a total loan amount of $392,755. Interest rate 4.875% — 5.618% Annual Percentage Rate. Terms of repayment: 360 monthly payments. Each payment includes $2,078.49 in principal and interest for all 360 months, plus FHA annual mortgage insurance of 0.55% of the average outstanding balance, recalculated once each year. The total monthly payment is $2,257.27 in year 1 and declines each year as the balance amortizes — approximately $2,245.30 in year 5, $2,226.66 in year 10, $2,202.88 in year 15, $2,172.56 in year 20, $2,133.89 in year 25, and $2,084.57 in year 30. Because the loan-to-value exceeds 90%, FHA mortgage insurance is required for the life of the loan and is included in all 360 payments; total mortgage insurance paid over the full term is approximately $40,107.60. The payment amounts shown do not include property taxes, homeowners insurance, flood insurance, municipal utility district assessments, or homeowners association dues; your actual monthly obligation will be substantially greater.
VA REPRESENTATIVE EXAMPLE: $400,000 sales price; $0 down payment; $400,000 base loan amount; 100% loan-to-value; 30-year fixed rate; 680 or higher representative credit score; owner-occupied primary residence purchase by an eligible Veteran with full entitlement using the VA home loan benefit for the first time. A financed VA funding fee of 2.15% ($8,600) produces a total loan amount of $408,600. Interest rate 4.875% — 5.092% Annual Percentage Rate. Terms of repayment: 360 monthly payments of $2,162.34 in principal and interest. No monthly mortgage insurance is required. The payment amounts shown do not include property taxes, homeowners insurance, flood insurance, municipal utility district assessments, or homeowners association dues; your actual monthly obligation will be substantially greater. VA funding fee percentages vary by down payment, service category, and prior use of the benefit; Veterans receiving VA compensation for a service-connected disability and certain other borrowers are exempt from the funding fee, which would change the loan amount, payment, and Annual Percentage Rate shown.
TEXAS PROPERTY TAXES AND THE PAYMENT SHOWN: The payments above are principal, interest, and mortgage insurance only. In the Houston area, property taxes and insurance typically add a substantial amount to the monthly obligation, and many new-construction communities lie within a Municipal Utility District that levies an additional tax. Combined tax rates in MUD communities commonly run well above non-MUD rates. On a $400,000 home this difference alone can exceed $400 per month. Ask your advisor for a complete payment estimate that includes taxes, insurance, and any MUD assessment for the specific community before relying on the figures above.
HOW THESE APRS WERE CALCULATED: The Annual Percentage Rates shown assume a $1,395 lender origination and underwriting fee, together with the financed FHA upfront mortgage insurance premium or VA funding fee described above. No discount points are included because none are charged to the borrower. "No points" means no discount points are charged to the borrower; it does not mean the loan has no closing costs. Your Annual Percentage Rate will differ based on the actual fees and prepaid finance charges applicable to your transaction, your closing date, and your final loan amount.
RATE LOCK: The 4.875% rate may be locked for up to 45 days on a quick move-in home, or up to 180 days on a to-be-built home. A lock requires a fully executed purchase agreement on select new homes in Houston, TX, a completed mortgage application, and NorthStar Mortgage Advisors' approval of the lock request; the lock period runs from August 21st, 2026. If your loan does not close on or before the lock expiration date, the lock will expire and an extension fee or a re-lock at then-current market pricing may apply, which may result in a higher rate and payment than shown. The lock applies to the specific property, loan program, loan amount, occupancy, and borrowers identified at the time of lock; a change to any of them may void the lock. Forward commitment funds are limited, are allocated on a first-come, first-served basis, and this offer is available only while committed funds remain. The offer may be withdrawn or modified at any time.
ELIGIBILITY AND CONDITIONS: Available on new purchase transactions only, on select new homes in Houston, TX sold by Davidson Homes, LLC under purchase agreements executed on or after 8/24/26 and by 8/31/26. Not available for refinances, second homes, investment properties, manufactured housing, or homes outside the participating communities. Requires a representative credit score of 680 or higher, a base loan amount within the applicable FHA county loan limit (the 2026 FHA one-unit limit is $541,287 in Harris County) or within available VA entitlement, an approve/eligible automated underwriting decision, acceptable debt-to-income ratio, full income and asset documentation, and an appraisal supporting the contract price. VA loans additionally require a valid Certificate of Eligibility. This is not a commitment to lend. All loans are subject to credit approval, property approval, and program availability. Not all applicants will qualify. Rates, terms, fees, and program availability are subject to change without notice. This offer may not be combined with any other rate promotion or lender-funded incentive unless expressly stated in writing.
GOVERNMENT AGENCY NOTICE: NorthStar Mortgage Advisors is not acting on behalf of, or at the direction of, the U.S. Department of Housing and Urban Development, the Federal Housing Administration, the U.S. Department of Veterans Affairs, or any other federal or state government agency. This offer is not sponsored, endorsed, or approved by any government agency. VA-guaranteed loans are made by private lenders; the U.S. Department of Veterans Affairs guarantees a portion of the loan and does not set the interest rate. NorthStar Mortgage Advisors does not have, and does not claim, any exclusive right to make loans guaranteed or insured by the U.S. Department of Veterans Affairs.
YOUR RIGHT TO CHOOSE A LENDER: Davidson Homes, LLC and NorthStar Mortgage Advisors are separate, unaffiliated companies with no common ownership, and neither pays the other for the referral of settlement service business. You are not required to use NorthStar Mortgage Advisors to purchase a select new home in Houston, TX, and you may obtain financing from any lender you choose. Because the forward commitment was purchased from NorthStar Mortgage Advisors, the 4.875% rate described here is available only on loans originated by NorthStar Mortgage Advisors; financing obtained elsewhere may carry a different rate, and other builder incentives may or may not apply. NorthStar Mortgage Advisors, NMLS ID #1359687.1000 Broadway, Columbus, GA 31901. https://northstarlending.com/. Originator: Drew Lingo, NMLS #2075184.
Texas Consumer Complaint and Recovery Fund Notice: TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV. Verify licensing at nmlsconsumeraccess.org. Equal Housing Lender.
**Offer available on full-price contracts written by August 31, 2026 in Houston, TX. Buyer must complete a UTour self-guided tour between August 20, 2026 and August 31, 2026 and personally register for the tour. Realtor registrations do not qualify. Contract must close within 30 days and use DHM Mortgage or NorthStar Mortgage Advisors for financing and Safe Harbor Title to receive the additional $1,000 incentive. Prices, plans, features, options and availability are subject to change without notice. Additional restrictions may apply. See New Home Consultant for complete details. ©2026 Davidson Homes, LLC.
