At Fairway Independent Mortgage in Charlotte, we help Homeowners and Homebuyers succeed financially by teaching them how to:

  1. Use their home and their mortgage in a way that will increase their financial safety
  2. Keep more of what they earn and have by spending less on interest and income taxes
  3. Protect their finances against unexpected financial challenges, and
  4. Maximize their wealth by making smart decisions regarding where they store their wealth.

Our branch exists to back up this purpose with the highest levels of service, shown by consistent, informative communication with clients and their advisors, along with accurate paperwork delivered with the best technology available. We make the mortgage process stress free for our clients. Our commitment is to close on time, under budget, with no surprises.

Are you looking for a "Loan Officer" or "Mortgage Planner"? Many people look for the wrong things when shopping for a mortgage. By focusing on the wrong things, or missing the really important things, home owners can end up with a home loan that hurts rather than helps them. Typical Loan Officers only get sales training to sell you a loan from their company. They aren't trained to help you make better financial decisions. They don't typically understand how to help a home buyer integrate their mortgage into the rest of financial world.

As Mortgage Planners, we recognize that if you manage your largest expense (Mortgage Payment), and strategically plan for how to use your large asset (Your House), you have a much better chance of succeeding financially.

A Mortgage Planner is trained and understands how to integrate the loan program you select into your overall financial plans to help you:

  1. Increase your financial safety
  2. Enhance your net worth
  3. Reach your financial goals faster.

By working with a mortgage planning professional, you will gain confidence that the mortgage planning advice your are offered will help you reach your financial goals safer and faster. You will understand the power of using your mortgage as a financial tool, not just a loan.

Your mortgage, and your home equity are too important to trust to just anyone. Choose a specialist that is trained and understands how mortgages work and how using a mortgage properly can help you succeed.

Your Mortgage Strategy is the Key. When you decide to buy a home or refinance a mortgage, it's a big step. We are different from other lenders because, as Mortgage Planners, we focus on helping you discover a mortgage strategy that will save you money, increase your net worth, and improve your financial safety. This focus on mortgage planning helps our clients achieve their financial goals. At Fairway Independent Mortgage, we will do the same for you.




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15 Year Mortgages
8/30/2010 9:33 AM
Since the start of 2010, the 15 year mortgage has become more popular in Charlotte, North Carolina.  A recent article in the Wall Street Journal gave some reasons why this is happening. With the low mortgage interest rates, many homeowners are finding that a 15 year mortgage is more affordable than previously.  In addition, for [......Read More
 
Who to Call for a refinance?
8/30/2010 6:31 AM
For many homeowners, their monthly mortgage statement for their mortgage includes a sales pitch to call in to refinance.  Too many people do this to their own harm.  Right now, if you are paying over 6%, does your current lender really want you to refinance?  Short answer: No, but if you are going to they [......Read More
 
Life insurance and your home loan
8/11/2010 7:25 AM
Many home owners in Charlotte are conditioned to hate whole life insurance, however, I think it deserves a second look in terms of your home ownership and mortgage strategy. As a rule of thumb, consider a whole life policy equal to your mortgage balance. Here’s why: 1. You mortgage will always be protected. 2. You [......Read More
 
A Better Strategy
8/10/2010 5:32 AM
Since the Great Depression, conventional wisdom said you should buy a house for both shelter and investment and pay off your mortgage as fast as you can.  No wonder many Americans store a large portion of their wealth within the walls of their homes. Unfortunately, many of those people have seen their wealth disappear. It’s [......Read More
 
Using Life insurance in your Mortgage Plan
8/6/2010 8:57 AM
...Read More
 
Should prospective home buyers wait any longer?
8/3/2010 5:25 AM
Thanks to Rick Melville, a Sr. Mortgage Planner at Fairway Independent Mortgage in Charlotte for this guest blog post: Winston Churchill once said that “a pessimist sees the difficulties associated with every opportunity and that an optimist sees the opportunities associated with every difficulty.” Just for fun I decided to do a little math problem...Read More
 
Understanding Amortization
7/29/2010 6:26 AM
Last month, Fannie Mae and Freddie Mac all but ended Interest Only Mortgage loans, so the only loans left are Amortizing Mortgages.  (Some borrowers can still get an Interest-Only style mortgage, but they are very restricted now). If you have ever closed on a mortgage, you probably remember the large stack of paperwork you needed [......Read More
 
Mortgage Rates and Inflation
7/6/2010 7:49 AM
Mortgage rates move in response to hundreds of factors. Among the biggest influences on mortgage rates? Inflation....Read More
 
It’s a Great Time to Refinance
7/5/2010 5:34 PM
Many home owners in Charlotte and North Carolina are discovering it’s a great time to refinance their home loan.  With the unusually low rates of the past few weeks, we’ve helped homeowners: Shorten their mortgage term to 10 or 15 years without increasing their payment Save several hundred dollars each month in interest Convert fro...Read More
 
What the Fed meant to say was…
6/23/2010 2:31 PM
Today, in its first meeting in 5 weeks, the Federal Open Market Committee voted 9-to-1 to leave the Fed Funds Rate unchanged. The Fed Fund Rate remains within its target range of 0.000-0.250 percent...Read More




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Fairway Independent Mortgage Corp 8430 Rea Road, Suite E Charlotte, NC 28277
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