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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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Use our mortgage calculators to estimate payments, compare options, and make a more informed decision before your next move.
CULTURE AND PEOPLE
More than a mortgage company...
Fairway was built on more than mortgages. We’re a company of people who believe homeownership can change lives, and that care should show up in every conversation, every closing, and every community we serve.
That’s why our work goes beyond helping borrowers find the right home loan. Through programs like the American Warrior Initiative and Fairway Cares, our teams support our communities and neighbors when it matters most.
USA Today Top Workplace - 6 years running
Every team member is guided by our core values, which define how we best serve our customers, team members and local communities.
* through Q3 2026
American Warrior Initiative (AWI) is a nonprofit whose mission is to educate, encourage, and inspire Americans to give back to our military.
482
Service dogs
1,000+
Financial grants
$10.5 M
Reported total since 2016
* through Q3 2026
Supported by Fairway’s nationwide employee network, Fairway Cares is a nonprofit bringing hope to people facing critical illness, loss, or trauma.
16,516
Care packages
2,322
Approved financial grants
36
HBR Healing Visits
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
Hours of Operation:
Monday–Friday | 8:30 a.m. – 5:00 p.m. Central
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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.