Mortgage lending powered by local experts

Fairway Home Mortgage combines national lending strength with local loan officers who help you understand your options from application through closing.

Statistics

30+ years in business

Helping borrowers since 1996

Over 1,500,000 families served

First-time buyers to fifth homes

500+ branches nationwide

Local loan officers serving communities

Mortgage options for every stage of homeownership

From buying your first home to refinancing your current one, Fairway offers mortgage options designed to support different goals and stages of homeownership.

I want to buy with less down

Flexible credit and low down payment options that make homeownership more accessible.

I want flexible financing options

Financing options for a variety of homebuying needs.

I’m buying my first home

New to buying? See the loans and guidance built for first-time buyers, from your first question to closing day.

I’m looking to buy in a rural area

Zero down payment for buyers in eligible rural areas.

I want predictable monthly payments

One predictable principal and interest payment for the life of your loan.

All Featured Mortgage Products

Explore Fairway’s full range of mortgage products and find options that fit your homeownership goals.

Helpful articles on buying your first home

Funding Date vs Closing Date: When Do I Get the Keys to My House?

Understanding the difference between your funding date vs closing date can keep your home purchase on track.

House with a For Sale sign in the front yard

What Happens After You Make an Offer on a House? 7 Steps Before You Get to Closing

7 things that happen after you make an offer to buy a home, in the order they happen.

Smiling woman holding up house keys

How To Make a Cash Offer on a House — Even When You Don't Have Cash

Knowing how to make a cash offer on a house could be the difference between winning a bid and starting over. Here are your options.

I want flexible financing options

Financing options for a variety of homebuying needs.

I want to buy with less down

Flexible credit and low down payment options that make homeownership more accessible.

I’m looking to buy in a rural area

Zero down payment for buyers in eligible rural areas.

I’m looking at higher-priced homes

Financing options for homes above conforming loan limits.

Lower initial monthly payments

Start with a lower rate that adjusts over time, can suit buyers who plan to move or refinance within a few years.

All Featured Mortgage Products

Explore Fairway’s full range of mortgage products and find options that fit your homeownership goals.

Helpful articles on buying your first home

Funding Date vs Closing Date: When Do I Get the Keys to My House?

Understanding the difference between your funding date vs closing date can keep your home purchase on track.

House with a For Sale sign in the front yard

What Happens After You Make an Offer on a House? 7 Steps Before You Get to Closing

7 things that happen after you make an offer to buy a home, in the order they happen.

Smiling woman holding up house keys

How To Make a Cash Offer on a House — Even When You Don't Have Cash

Knowing how to make a cash offer on a house could be the difference between winning a bid and starting over. Here are your options.

I want to grow my property portfolio

Financing options for buying, refinancing, or growing your real estate portfolio.

I’m looking to buy and rent it out

Financing that qualifies you using the property’s projected rental income instead of traditional income documentation.

I’m self-employed

Flexible loan options for self-employed borrowers.

All Featured Mortgage Products

Explore Fairway’s full range of mortgage products and find options that fit your homeownership goals.

Helpful articles on buying your first home

Funding Date vs Closing Date: When Do I Get the Keys to My House?

Understanding the difference between your funding date vs closing date can keep your home purchase on track.

House with a For Sale sign in the front yard

What Happens After You Make an Offer on a House? 7 Steps Before You Get to Closing

7 things that happen after you make an offer to buy a home, in the order they happen.

Smiling woman holding up house keys

How To Make a Cash Offer on a House — Even When You Don't Have Cash

Knowing how to make a cash offer on a house could be the difference between winning a bid and starting over. Here are your options.

I want to buy a new home using my VA benefits

Zero down payment home loan options for eligible veterans, service members, and surviving spouses.

All Featured Mortgage Products

Explore Fairway’s full range of mortgage products and find options that fit your homeownership goals.

Helpful articles on buying your first home

Funding Date vs Closing Date: When Do I Get the Keys to My House?

Understanding the difference between your funding date vs closing date can keep your home purchase on track.

House with a For Sale sign in the front yard

What Happens After You Make an Offer on a House? 7 Steps Before You Get to Closing

7 things that happen after you make an offer to buy a home, in the order they happen.

Smiling woman holding up house keys

How To Make a Cash Offer on a House — Even When You Don't Have Cash

Knowing how to make a cash offer on a house could be the difference between winning a bid and starting over. Here are your options.

I’m looking to lower my monthly payment

Replace your current loan to change your rate, term or payment.

I want to use the equity I’ve built in my home to cover major expenses or consolidate debt

Tap into your home’s equity while keeping your first mortgage and its rate in place.

All Featured Mortgage Products

Explore Fairway’s full range of mortgage products and find options that fit your homeownership goals.

Helpful articles on buying your first home

Funding Date vs Closing Date: When Do I Get the Keys to My House?

Understanding the difference between your funding date vs closing date can keep your home purchase on track.

House with a For Sale sign in the front yard

What Happens After You Make an Offer on a House? 7 Steps Before You Get to Closing

7 things that happen after you make an offer to buy a home, in the order they happen.

Smiling woman holding up house keys

How To Make a Cash Offer on a House — Even When You Don't Have Cash

Knowing how to make a cash offer on a house could be the difference between winning a bid and starting over. Here are your options.

I want to build a new home

One loan. One closing. A simpler path from construction to move-in.

I want to renovate my home

Financing for home improvements, from kitchen upgrades to additions.

All Featured Mortgage Products

Explore Fairway’s full range of mortgage products and find options that fit your homeownership goals.

Helpful articles on buying your first home

Funding Date vs Closing Date: When Do I Get the Keys to My House?

Understanding the difference between your funding date vs closing date can keep your home purchase on track.

House with a For Sale sign in the front yard

What Happens After You Make an Offer on a House? 7 Steps Before You Get to Closing

7 things that happen after you make an offer to buy a home, in the order they happen.

Smiling woman holding up house keys

How To Make a Cash Offer on a House — Even When You Don't Have Cash

Knowing how to make a cash offer on a house could be the difference between winning a bid and starting over. Here are your options.

Tools & Calculators

Use our mortgage calculators to estimate payments, compare options, and make a more informed decision before your next move.

Bar chart showing the remaining balance under Loan Option A is $29,166 lower than Loan Option B after 7 years

HELOC Payment Calculator

Enter your line amount to see your minimum payment.

Estimated $2,744 monthly payment on a $400K home, 20% down, 30 years: $2,023 principal & interest, $617 taxes, $105 insurance

Monthly Payment Calculator

Estimate your monthly payment, including taxes and insurance.

Line chart showing buying costs less after 6 years 8 months, with 10-year costs of $345,800 renting and $280,000 buying

Rent vs. Buy Calculator

Compare your rent with the true cost of buying.

Current loan at $2,513 per month with 25 years left beside a refinanced loan at $2,038 per month on a new 30-year term

Refinance Calculator

Your loan now vs a new one — see what changes.

Home price estimate of $385,000 using $85,000 annual income, $300 monthly debts and $40,000 down

Home Affordability Calculator

A few numbers about you, and you’ll see a comfortable price range.

Still owed after 7 years: $360,134 on 30-year Loan A and $255,118 on 15-year Loan B

Mortgage Compare Calculator

Two loans in, and you’ll see the difference that matters.

Bar chart showing the remaining balance under Loan Option A is $29,166 lower than Loan Option B after 7 years

"I had no idea what 'cash to close' even meant. Our loan officer explained every number until it actually made sense. Nothing felt rushed."

Name of person
Location
July 9, 2026
Replied with:
Sarah Dorn
Loan officer headshot

"I had no idea what 'cash to close' even meant. Our loan officer explained every number until it actually made sense. Nothing felt rushed."

July 9, 2026

Real recent reviews from Fairway clients

4.9 from 90,600 reviews

I had an incredible experience working with Mr. Hedgepeth he made the process run very smoothly.

Dominique

Matt did an excellent job with our refi. He was always readily available to provide needed encouragement and proper advice to us on the many steps required to complete our refi in a timely manner.

Michael

Great to work with

Dave

5.0 Stars!

Macaire

We had a great experience working with our lender, Raedean at Fairway throughout the entire home-buying process! She was incredibly helpful, responsive, and always quick to make adjustments whenever we requested changes. She took the time to explain everything clearly, making what can be a stressful process feel easy and manageable. Her professionalism, patience, and willingness to go above and beyond were truly appreciated. We highly recommend her to anyone looking for a smooth and positive lending experience!

Angela

5.0 Stars!

Matthew

5.0 Stars!

Keith

5.0 Stars!

Derrick

Find your local loan officer

Every home loan has a local story. Search by city, state, or name to connect with a Fairway loan officer who understands your market and can help guide your next step.

Mortgage questions? We’re here to help

Whether you’re exploring your options, already have a loan with Fairway, or need help finding the right place to go, connect with a loan officer to point you in the right direction.

Loan Servicing

Disaster Relief Hotline

Fairway is a direct mortgage lender. Fairway Independent Mortgage Corporation (NMLS #2289) is based in Madison, Wisconsin. Its loan officers take your loan from application through closing instead of sending it out to other lenders.

A mortgage lender lends you the money to buy or refinance a home. At Fairway, a loan officer reviews your income, credit and savings, explains the loans that fit, and works with you through underwriting and closing.

Fairway has been helping clients buy and refinance homes since 1996.

There’s no one-size-fits-all interest rate. The rate you qualify for depends on factors such as your credit, down payment, property and loan type. Your Fairway loan officer can review your situation and provide a personalized rate quote based on current rates.

You’ll work with one loan officer and you’ll know them by name. From your first question through closing, you’ll work directly with a dedicated Fairway loan officer, with their contact information and client reviews right at your fingertips.

Search by city, state, or name in the loan officer finder. Each profile shows the loan officer’s contact details and client reviews, so you can choose someone before you reach out.

Your loan officer remains your point of contact throughout your entire homeownership journey, potentially including when you refinance, renovate, or buy your next home. We offer many products and programs that not only help with financing, but maintaining and protecting your home as well.

Ready to start your mortgage journey?

Apply today or connect with a local Fairway loan officer who can help you understand your options, your numbers, and what comes next.