Fairway Home Mortgage · Lender
Fairway Home Mortgage
Review published mortgage options and requirements, then request a personalized quote from the lender.
Key borrower, credit, property-use and reserve requirements have not been verified for this selection.
Availability: All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Other restrictions and limitations may apply.
Our take: Pros & Cons
What we like
- Qualifying conventional programs allow down payments as low as 3%; published range is 3%–20%.
- Conventional mortgages offer flexible loan terms and mortgage-insurance options.
- Seller concessions, lender credits through a higher rate, eligible gift funds or local assistance may help cover closing costs, subject to conditions.
What to consider
- Product FAQ states PMI applies below 20% down; confirm cancellation rules with your loan advisor.
- Product page states an IRS tax lien prevents conventional eligibility through Fannie Mae; owing taxes is distinguished from a lien.
- Reviewed product page does not state a numerical minimum credit score, visa/ITIN rules, foreign-credit pathways, income acceptance or reserves.
AI-generated lender-level assessment based on published information. Not a verified assessment of Conventional Loan; confirm program-specific conditions below.
Newcomer requirements
Conventional Loan
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Minimum down payment
- 3%
View full lender requirements
- Minimum down payment
- 3%
- Other conditions
- The 3% down option is conditional on programme eligibility. Product FAQ states PMI applies below 20% down. IRS liens nullify conventional eligibility through Fannie Mae; tax debt and tax liens are distinguished. Gift funds, seller concessions, higher-rate lender credits and assistance programmes depend on circumstances.
Questions to confirm with the lender (15)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum credit score
- Income documentation
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Property restrictions
- Occupancy
Requirements last reviewed: Oct 26, 2026 · Official requirements source
Rates and costs
Conventional Loan
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
Conventional Loan
Document requirements are not confirmed. Ask the lender for its program-specific checklist.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Conventional purchase and refinance mortgages from Fairway Independent Mortgage Corporation. Qualifying programs allow down payments as low as 3%; loan terms, mortgage insurance and approval depend on the chosen program.
Legal lender: Fairway Independent Mortgage Corporation
Lending channel: Direct lending
Provider type: Mortgage company
Lending channels: Direct lending. Origination status: Active.
NMLS identifier: 2289
More lender directory information
Direct application information ↗
All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Other restrictions and limitations may apply.
Directory verified: 2026-10-26 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 26, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.