The Mortgage
Method
Our process makes applying for a home loan easier than ever by listening to and understanding the needs of the client and recommending loan options based on those needs.
Mortgage Calculator
Use our easy mortgage calculator to see how payments for principal, interest, tax, insurance and PMI will breakdown over the life of your loan.
Loans & Programs
New Home Buyers
Experienced Home Buyers
Veterans USDA Loans
USDA loans can be an excellent option in lending. There are a variety of reasons why this loan may be good for you, but the bottom line may be its affordability. Since this loan is one of the few that require no money down, it is a popular choice for first-time homebuyers.
VA Loans
We are proud to offer and specialize in VA home loans. VA-guaranteed home mortgage loans are made by Fairway Independent Mortgage Corporation and guaranteed by the U.S. Department of Veterans Affairs (VA) to eligible veterans for the purchase or refinance of a home.
Jumbo Loans (R, EHB)
A jumbo loan is your best (or only) option if you need to borrow between $453,101 and $3,000,000 for a home purchase or refinance, and are looking for higher but flexible rates and terms and no pre-payment penalties.
Refinancing
Interest rates have been quite low for the past few years, but if you didn’t take advantage, there is still time before rates go up. Our Mortgage Planners discuss your financial goals to analyze the best loan product to meet your refinancing needs.
203(k) Home Loans
An FHA 203(k) loan is designed for houses that are damaged or in need of rehabilitation. This loan covers not only the cost of the property, but also the cost of necessary home repairs.
Conventional Loans
If you are planning to borrow $647,200 or less for a single-family home, you should be looking at a conforming conventional loan. Conventional conforming loans are not made by a government entity, like FHA and VA loans, but instead follow the terms and conditions that follow the guidelines set forth by Fannie Mae and Freddie Mac.
FHA Loans
Fairway Independent Mortgage specializes in FHA mortgage loans, especially for first-time homebuyers or those without a 20% down payment. For those with a lower credit score or credit issues, our underwriters can explain some variances in payment and put your loan on the road to success.
Fixed or ARM
There is nothing wrong with a fixed-rate mortgage – it’s just that for some people, they can save a lot more money by strategically choosing an adjustable-rate mortgage (ARM). However, not all ARMs are the same.
First-Time Homebuyer
Work with a Mortgage Planner to ensure that you are aware of the entire loan process, and have all of your questions answered