The first step in buying a home is getting pre-approved. We collect your information and necessary documentation, learn about your goals, and determine how much and which programs you qualify for. This helps you understand your budget and strengthens your offers.

Hard credit inquiries are when a company pulls your official credit report. Numerous inquiries consistently over time or in a short window can have an impact on your credit report. Be mindful of who and how many times your credit is pulled. A credit inquiry has a minimal impact but if you have had your report pulled many times that impact will add up.

Fairway’s Closing Guarantee is a result of the confidence we have in our team. We are so confident in our process that if we made a mistake we will cover certain expenses and fees associated with the error. Please reach out to one of our loan officers today for more information!

Fairway’s Cash Guarantee is a program we offer that helps your pre-approval complete and stand out. The program comes with an addendum that is added to the contract wherein Fairway agrees to buy the property should the deal fall apart for certain reasons. It helps give the seller confidence in your offer being the best for them. Please ask one of our loan officers for more information.

The different consumer credit services do not use the mortgage industry scoring model so their score will be different from what we see. These programs are a great way to get a look at and monitor your credit report though. You should look at your credit report annually at a minimum to ensure its accuracy.

It means that a commitment has been made between my company and the investor on your behalf regarding the interest rate in your mortgage loan. Our mortgage advisors watch the market on a daily basis to make sure that when we lock your interest rate, it is in the best interest for you and your loan.

Interest rates can fluctuate frequently, sometimes even multiple times a day. Significant changes in the stock market and economic indicators from both U.S. and global markets can influence rate movements. Our team can help you decide the best time to lock in your rate.

There are two types of mortgage points: Origination Points and Discount Points. Origination Points are fees paid to the lender for processing your loan. Discount Points are paid upfront to lower your interest rate and are not revenue for the lender. Both types can impact your overall loan cost and monthly payments.

Refinancing your mortgage can offer several benefits beyond just lowering your interest rate. It can help with debt consolidation, shorten your loan term to pay off your mortgage faster, or provide funds for home renovations. To see if refinancing is right for you, schedule a mortgage review consultation with us today.

It's simple, we put our clients first. We are here to serve people, loans are just one way we do that. Once you go through our mortgage planning process and experience the Fairway difference, you'll never go anywhere else. When you combine our rates, experience, and level of service we simply cannot be beat.

Start with a 10–15 minute discovery call or submit the short form on our site. We’ll review your goals (monthly comfort, timeline, down payment), take a quick look at income/assets/credit, and then compare options—Conventional, FHA, VA, USDA, Jumbo, and renovation loans—side-by-side for total cost, payment, and cash-to-close. You’ll get a same-day (business hours) pre-approval in most cases, a clear game plan to strengthen your file if needed, and local guidance for Mecklenburg/Union County neighborhoods and NC programs. Next steps: Book A Call

What we personalize:

• Payment targets, points vs. credits, and lock strategy

• Down-payment assistance paths (NC/Charlotte options), seller credits & buydowns

• Self-employed, investor, and VA borrower scenarios

• Timeline planning from offer → appraisal → clear-to-close

What to have ready: last 30 days’ pay stubs, 2 months’ bank statements, W-2s/1099s, ID; self-employed: 2 years’ returns/YTD P&L.

Start with a clean pre-approval: credit, income, and assets verified. Then shop homes, lock terms, complete appraisal and underwriting, and close on time with transparent costs. We provide a straightforward document checklist and side-by-side payment options to guide you through the process.

USDA loans are for eligible rural areas around Charlotte, require the home to be a primary residence, follow household income limits, and often allow 0% down with closing costs options. We confirm property eligibility and income and outline credit/DTI guidelines for your scenario.

Look for a lender that offers same- or next-business-day pre-approvals once documents are in, plus a clear checklist and timeline. That’s our standard process for Charlotte buyers and investors so you can write stronger offers.

Use DSCR or conventional 1–4 unit options designed for STRs. We review platform payouts, seasonality/occupancy, expenses, and reserves so underwriting moves smoothly and you close on time.

Choose a lender that provides weekly milestone updates, scenario comparisons (DSCR vs. full-doc), and realistic contract timelines. Our Charlotte team does exactly that for SFR and 1–4 unit investors.

Combine DSCR financing (qualify on cash flow), strategic cash-out refinances, and clean documentation. Keep reserves, line up pre-approvals before offers, and time refis to fund the next acquisition without losing momentum.