We help homeowners and buyers 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.

"Loan Officer" or Certified Mortgage Planner?  Why are so many people in trouble with their mortgages?  Over the past several years, many people were looking for the wrong things when they were shopping for a mortgage.  Consider the average American's checkbook register. Most likely the largest check written each month is the mortgage payment or rent check.  For most homeowners, the largest asset they own is their home. 

Other Loan Officers only get sales training to sell you a loan from their company.  They don't get taught 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 will most likely succeed financially.

 Should you work with a Mortgage Planner? A Mortgage Planner is trained and understands how to integrate the loan program you select into your overall financial plans to help you increase your financial safety, enhance your net worth, and reach your financial goals. 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, faster and with greater clarity and understanding of the power of using your mortgage as a financial instrument. 

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 enhance your net worth, increase your financial safety and give you the lowest overall cost of financing.  This outlook on mortgage planning helps our clients achieve their financial goals.  We will do the same for you.  At Fairway Independent Mortgage, we have an exclusive framework that we construct with you to help you understand how to make your mortgage and your home equity work for you.

We don't stop at closing.  In fact, we consider the loan application and approval process as our job interview.  We want to be your mortgage planners, not just someone who got a loan for you.  After closing, you will be updated regularly about how your mortgage is performing relative to the rates available in the marketplace, and, when rates drop, we'll call you before you even realize it.  This way, you will always have the lowest cost of financing available to you.  We also will want to have an in-depth discussion with you at least annually to ensure that your mortgage is always working for you.  You work hard for your money - your money needs to work hard for you.




Start with the House:
 
7 Ways To Protect Your Credit Score For Better Mortgage Rates
2/5/2010 7:48 AM
Credit scores not only make the difference between a mortgage approval and mortgage turn-down, but they also play a large role in determining your actual mortgage note rate. In the 3-minute piece, the NBC Today Show talks about 7 ways that homebuyers ruin their credit -- often by accident...Read More
 
Credit Cards’ Ugly History
2/4/2010 7:53 AM
Credit Card interest can eat your financial lunch, if you let it.  The average interest rate on credit cards over 12%, and there is almost $1 Trillion in outstanding credit card balances. Some quick math yields over $120 Billion spent annually on credit card interest.  Since Interest on Credit Cards are not tax deductible, Americans have ...Read More
 
Improve your credit score – too much credit?
2/4/2010 7:26 AM
When you got a copy of your credit report (www.annualcreditreport.com) last week, I asked you to count your tradelines.  If you didn’t get your credit report yet, read this post first on how & why.  If you have been using credit for more than 10 years and have no late payments, you are at a [......Read More
 
Improving your Credit Score – Step One
2/3/2010 7:26 AM
Know what you are working with! Image via Wikipedia If you haven’t seen your credit report in a while, get a copy now.  There is only one place for a truly ‘Free’ report – but it comes with a catch – www.AnnualCreditReport.com will give you a copy, but the catch is you have to pay for your [......Read More
 
February is Credit Score Improvement Month
2/2/2010 8:25 AM
I’ve decided that February is going to be Credit Score Improvement Month here at StartwiththeHouse.com and in Charlotte, NC. All this month, I am going to be posting tips and articles on specific things you can do to improve your credit score. Why work on improving your credit score? Your credit score impacts so many areas of your [......Read More
 
What is a Short Sale?
2/2/2010 7:48 AM
A "Short Sale" is when a home seller sells his home for a lesser amount than what is owed on his mortgage, and the mortgage lender agrees to accept the lesser amount in lieu of a full payoff...Read More
 
Understand how your credit score is determined
2/2/2010 7:38 AM
1.       Do you pay your bills on time? The answer to this question is very important. If you have paid bills late, have had an account referred to a collection agency, or have ever declared bankruptcy, this history will show up in your credit report. 2.       What is your outstanding debt...Read More
 
Are House Values increasing? FHFA say plus 0.7 Percent in November
1/29/2010 7:49 AM
Reporting on a two-month lag, the government said home values rose 0.7 percent in November. National home prices are at their highest point since February 2009. But before we look too much into the FHFA's Home Price Index, it's important that we're cognizant of its shortcomings; the most important of which is its lack of real-time reporting....Read More
 
A Simple Explanation Of The Federal Reserve Statement (January 27, 2010 Edition)
1/27/2010 1:33 PM
The Federal Open Market Committee voted to leave the Fed Funds Rate within its target range of 0.000-0.250 percent. In its press release, the FOMC noted that the U.S. economy “has continued to strengthen”, that the jobs markets is getting better, and that financial markets are supportive of growth...Read More
 
What to do about PMI
1/26/2010 8:35 AM
So, you have a mortgage with PMI, or Private Mortgage Insurance.  How can you get rid of it?  There are a few ways, and you find, you are actually better off paying PMI than the alternatives. In general, if you have a mortgage loan with PMI, you have to pay it until you get to 20%-22% [......Read More




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