Customer service: 800-201-7544
NMLS #2289

4.9

4.9

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Get started with a local loan officer

A Fairway Loan Officer reviews your answers and reaches out to talk through your loan options and next steps.

  • Takes about 3 minutes

  • No credit pull yet

  • Private and secure

  • We will never share your details

Statistics

30+ years in business

Helping borrowers since 1996

Nationally Licensed

NMLS #2289

500+ locations

Local loan officers serving communities

4.98 from 90,600 reviews

Everything you need to know

Documents, requirements, loan options, and timelines, all in one place. Open any section below, or skip ahead and start your application whenever you're ready.

Tell us whether you’re buying or refinancing, then share a few basics: the property type, how you’ll use the home, the loan amount you have in mind, your estimated credit score, and how to reach you. A Fairway loan officer then contacts you to talk through your options and start the application.

Start with guidance, not guesswork. A Fairway loan officer can review your situation, help you explore loan options that may fit and let you know what documents you’ll need. You can start online through this page or connect directly with a loan officer you already know.

Common documents that most loans require include:

  • A government-issued photo ID
  • Recent pay stubs and W-2s
  • Federal tax returns, especially if you’re self-employed
  • Recent bank and investment statements
  • Details on debts such as car loans and credit cards
  • Current mortgage statement and homeowners insurance details if you’re refinancing

Your loan officer will tell you exactly what you need.

Getting started on this page takes just a few minutes. Having your documents ready can help keep the full application process moving smoothly. Your Fairway loan officer can walk you through what you’ll need and discuss the timeline for your specific loan and property.

Yes. Choose “Purchase a home” or “Refinance a home” at the start of the form.

"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

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.

Buying your first home?

Congratulations! Start by connecting with your local mortgage expert.

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

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

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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.

Ready for your next home?

Whether you're upgrading or relocating, find the right mortgage for your next move.

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.

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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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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.

Ready to invest in property?

Build your portfolio with financing designed for real estate investors.

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.

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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.

Thank you for your service

Explore the mortgage benefits you’ve earned.

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.

Time to refinance?

See how new terms could help you save money or access your home's equity.

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.

Ready to renovate?

Finance your next home improvement project with the right loan option.

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.

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.