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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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
 
Do you need to consider Credit Repair?
6/17/2010 7:35 AM
For some folks, it’s not as easy as simply paying down the balances on a few credit cards to improve their score to where they need it to be. Sometimes, a person needs professional help to get credit scores back to where they should be.  If you have some of the following on your report, [......Read More
 
How much of a Downpayment do you need?
6/15/2010 7:45 AM
I got two funny phone calls today from Charlotte Real Estate Agents, both asking about down payments.  Since the mortgage crisis started three years ago, the biggest mis-information in the media has been concerning down-payments, with most news articles saying you need 25% or more for a down payment. The first call went like this: [......Read More
 
Should you carry debt in today’s economy?
6/14/2010 4:51 PM
I’ve been saying for years – Mortgage debt along with other savings is far better than no debt with no savings. In other words, build up your savings and form the habit of saving money, then pay off your mortgage.  apparently, the Wall Street Journal thinks so also: By JANE J. KIM And JEFF D. [......Read More
 
FHA Mortgages: Payments are Going up
6/14/2010 7:48 AM
In a near-unanimous vote, the House of Representatives gave the FHA power to raise the monthly mortgage insurance premiums it charges to its borrowers...Read More
 
Why are rates dropping, and what to do about it
6/7/2010 6:04 AM
Last week’s jobs report, and the continuing financial woes in Europe, are keeping mortgage rates low in Charlotte and throughout the US. On Friday, after the weak Employment Report, mortgage rates fell to their lowest level on 2010. When rates eventually go back up, it will happen quick.  It could be this weeks $70 Billion [......Read More
 
Mortgage Rates This Week
6/1/2010 7:55 AM
Conforming and FHA mortgage rates rose for the first time in 5 weeks last week, pulling mortgage pricing off its best levels of the year...Read More




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