LOANS CAN
BE FUN
By making your mortgage experience FUN, I will do my best
to ensure you have a positive experience and that you'll want
to share the FUN with your family and friends.
WHAT WE DO
When you think about applying for a home mortgage, what is one of the first words you think of? FUN…right!? Probably Not, but that’s what I want you to think of! Let’s face it, you talk to a lender because you have to and not because you want to. My whole goal with my Loans Can Be FUN system is to make a somewhat stressful process into a more enjoyable, even FUN Process.
Conventional
A Conventional mortgage refers to any loan that is not insured or guaranteed by the federal government. Conventional mortgages typically have a slightly higher down payment than government loans, however, some conventional programs allow a 3% down payment, whereas FHA required 3.5%. Normally these will provide home buyers with more flexibility and fewer restrictions . If you have good credit with a steady income, a Conventional loan may be the right option!
FHA
Home loans provided by the Federal Housing Administration (FHA) can make it easier for you to buy or refinance a home. FHA loans usually have lower credit score and down payment options, but have higher safety requirements the homes need to meet.
VA
Home loans provided by the Federal Housing Administration (FHA) can make it easier for you to buy or refinance a home. FHA loans usually have lower credit score and down payment options, but have higher safety requirements the homes need to meet.
USDA
Owning a home outside the city limits may be easier with USDA-Guaranteed home financing from Fairway Independent Mortgage Corporation.
Utah Housing
UHC utilizes a wide array of financing resources in its programs including tax-exempt and taxable bonds, federal and state income tax shelters, conventional lending, federal and state grants, low-interest loans, and other forms of debt and equity.
REVERSE
If you’re 62 and older, you can use a reverse mortgage loan to purchase a new home, or turn your current home’s equity into cash. A reverse mortgage loan gives retirees the opportunity to potentially increase their purchase power or cash flow while eliminating monthly mortgage payments. You are still required to pay property taxes, homeowners insurance, and maintain the home. Here are just a few reasons why you should consider a reverse mortgage.
Why Choose Us?
All we do are home loans, and we’re great at it! Our hope is that by the time your transaction is over we will be friends.
EFFICIENT
FUN
COMMUNICATION
How It Works
Because I think surprises are some of the most exciting and fun things, I won’t be telling you exactly what to expect throughout the process. However, I will tell you that you will enjoy many perks as you reach certain home loan milestones in the loan process.
By making your mortgage experience FUN, I will do my best to ensure you have a positive experience and that you’ll want to share the FUN with your family and friends.
Apply
Give us a call to get pre-qualified, or fill out an application online
Documentation
Send income and asset documents** to the Loans Can Be FUN Team at loanscanbefun@fairwaymc.com
Review
We review your application, documentation, and credit. If everything looks good, we will send you a pre-qualification letter and you can go look at homes!
*A pre-qualification is not an approval of credit and does not signify that underwriting requirements have been met.
**In most cases we need 30 days of paystubs and 2 months of bank statements. Reach out to us for specific documentation needed from you.
