What We Offer

We offer a wide array of loan products to fit out clients individual needs. We also offer various down payment assistance programs to help you get into a home of your choice with little to no money down. If you are looking to purchase a home in California or Arizona, check out the loan programs available to you.

Purchase a Home

With interest rates still at historically low levels, now couldn’t be a better time to consider a home purchase.

Refinance Your Home

Saving money is always a good thing. Refinancing is a great way to keep money in your pocket. By refinancing your current mortgage into one with a lower interest rate, you can save $10-100’s of dollars per month.

Learn About Financing

We offer several loan options such as VA, FHA and Conventional loans. We also offer several down payment assistance grants to cover all or some of your down payment.

ABOUT LONNIE

Lonnie operates with a strong focus on customer service, transparency and a commitment to create a phenomenal experience for his clients and their families. He takes pride in getting to know his clients and their individual needs. With that in mind, he finds the best loan product that fits their unique needs.

Frequently Asked Questions

There are a lot of questions you may have when it comes to getting qualified for a home loan and purchasing a home. Here are some of the most popular. If you have a question that you’d like to ask, feel free to send it to lonnie.wilborn@fairwaymc.com

Can I Purchase a Home With 0% Down?

With the various down payment assistance programs available to consumers, it’s possible to purchase a home with no money out of pocket at closing. Many of these programs provide the homebuyer with grant money that isn’t paid back. Fairwway Independent Mortgage has down payment assistance program that gives the borrower up to 3.5% of grant money towards the purchase of a home. The borrow must have at least a 640 FICO score to qualify.

What Is a Good Credit Score to Qualify For a Mortgage?

The minimum credit score to obtain a home loan is a 580. With a 580 FICO there are many other things that are required of you in order to be able to qualify with a score this low. The lowest score to be able to qualify for one of the down payment assistance programs is a 640.

How Long Does it Take to Close on a Home?

Time frames to closing depend on a lot of different components. The average is 30-45 days with some lenders able to close in as little as 15 days.

What States Can I Get a Loan In?

I am currently licensed in California, Texas and Arizona. If you are looking to purchase a home in these states, I would love to assist you.

Why Choose Us?

Knowledgeable

With over 15 years of collective industry experience on my team, we have the knowledge it takes to serve you to the best of our ability.

Trusted

.When it comes to the largest purchase of your life, you can rest assure that we will remain honest and transparent while acting in your best interest.