Charlotte-based mortgage lender & broker — lending nationwide.

I’m Trevor Higgins (NMLS 1410557), a mortgage advisor with 12+ years of experience helping homebuyers and real estate investors move from application to on-time closing with clear options, honest numbers, and responsive communication.

I lead a small, dedicated team at Fairway Home Mortgage (formerly Fairway Independent Mortgage Corporation). We’re local to Charlotte, NC and serve clients across the U.S. I’m also a father of three girls, which keeps me focused on what families really need: clarity, timelines that stick, and no last-minute surprises. That mindset shapes every step of our process.

What we do

• Fast, clean pre-approvals so you can write stronger offers

• Investor financing: DSCR loans, conventional 1–10 units, short-term rental (Airbnb/VRBO), PadSplit/room-by-room strategies, and cash-out refinances to scale

• Homebuyer programs: Conventional, FHA, VA, USDA, Jumbo

• Self-employed/1099 solutions and straightforward doc checklists

Our promise

Transparent costs. Plain-English comparisons. Proactive updates. You’ll see side-by-side scenarios (e.g., DSCR vs. full-doc, points vs. 2-1 buydown, cash-out vs. HELOC) and realistic timelines so you can decide with confidence—and close on time.

How we work (4 simple steps)

1. 15-minute Mortgage Game Plan: goals, budget, strategy (purchase or refi)

2. Pre-approval & paperwork: clean file, clear expectations

3. Underwriting & appraisal: weekly milestones, fast answers

4. Closing day: coordinated details so you sign with confidence

For investors

We understand cash-flow qualification and the documentation underwriters expect for PadSplit/room-by-room and STR models—payout history, rent rolls, expenses, reserves, and valuation context. The goal: keep your deals moving and your portfolio growing.

For homebuyers

First-time? We’ll map payment ranges, down-payment options, and closing costs upfront—then keep you updated from application to clear-to-close. If you’re moving up or relocating, we’ll coordinate timelines so your sale and purchase stay aligned.

Why clients choose us

• Speed: pre-approvals often same/next business day (with docs)

• Clarity: numbers you can trust, no hidden fees

• Communication: you won’t have to chase updates

• Execution: contract dates met and closings that run on schedule

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The Fairway Story

Fairway Independent Mortgage Corporation was founded in 1996 by Steve Jacobson. Just five years after opening its doors, Fairway reached the $1 billion funded mark. With a strong focus on purchase business, we continue to grow each year, funding $17.5 billion in 2016.

Customer service is a way of life at Fairway. Not only are we dedicated to finding the best rates for our customers, we also offer some of the fastest turn times in the industry. Our goal is to act as your trusted advisor, providing highly personalized service and guiding you through every step of the loan process. It’s all designed to exceed your expectations, guarantee your satisfaction, and earn your trust.

Fairway is dedicated to the highest level of service, demonstrated through consistent, informative communication with clients and their real estate partners. Our main priority is ensuring that the trust we are given is backed by accurate, on-time paperwork delivered with the best technology available. We strive to streamline the mortgage process for our clients and make it stress free for all parties involved.

Fairway Independent Mortgage Corporation is licensed in all 50 states and has headquarters in Madison, WI, and Carrollton, TX.

At Fairway, we strongly believe that the way we do things is just as important as what we do. Every employee is guided by our Core Values, which form the foundation on which we work and conduct ourselves. These values are not descriptions of the work we do as a company or the strategies we employ to accomplish our mission; they underlie our work, how we interact with each other, and guide us in determining how to best serve our customers, employees, and local communities.