Home Buyer Pre-Approval

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Closing loans as promised, as scheduled, guaranteed
717-431-9299
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Closing Loans As Promised, As Scheduled, GUARANTEED

Closing loans as promised, as scheduled, guaranteed

Introducing Fairway's Guaranteed to Close Program

$500 Guarantee to Buyers if we don't close as promised and as scheduled.

$500 Guarantee to Sellers if we don't close, as promised and as scheduled.

Here’s how it works:

own your home

How it helps you!

*Up to $1,000.00 in expenses guaranteed. Guarantee Requirements: The borrower’s personal financial qualifications stay the same or improve: Personal financial qualifications includes but is not limited to employment, income, assets, credit scores, and debt. The agreed upon loan parameters stay the same or improve: Agreed upon loan parameters includes, but is not limited to maximum loan amount, maximum total monthly payment, maximum interest rate, interest rate market conditions, down payment requirements, property insurance requirements and mortgage insurance requirements. The property meets all necessary loan requirements: Necessary loan requirements of the property includes but is not limited to, appraised value, insurability, property condition, inspection condition, legal title conditions, HOA conditions and housing project conditions. Guarantee not applicable to delays outside lender control. © 2014 A Division of Fairway Independent Mortgage Corporation, FIMC ID #2289 (www.nmlsconsumeraccess.org). EQUAL HOUSING LENDER. This guarantee expires on 8/30/2014 and is only applicable for those buyers that have completed a full mortgage application with the Lancaster Branch of FIMC on/before that date.

What to Expect

A Pre-Approval is often the key to seeing homes for sale. In today's market a Pre-Qual just isn't enough anymore. You need a Pre-Purchase Consultation, which includes a real Pre-Approval, before shopping. A Pre-Approval tells the Selling Agent that we have looked at your financial situation, in depth, and are confident we can provide you with a mortgage.

  • Schedule a Pre-Purchase Consultation with us to discuss your goals and options (30-45 minutes).
  • We create a MAP (Mortgage Analysis Plan) designed around your specific goals and needs.
  • We provide a Pre-Approval to you and your Realtor.

What We Need From You

In order to pull a credit report, we will need:

    Full Names
    Social Security Numbers
    Home Address & Phone Number
Copy of W2s and tax returns for the last 2 years.
Copy of 2 months most recent bank statements (all pages please, even if blank).
Copy of 1 month most recent pay stubs.
One way to provide us with information we need to start your file is to fill out our secure Online Application.

Do

  • Provide all pages of bank and asset statements, even if blank. If your statements indicate large deposits we will need to have a paper trail showing where the deposits came from and why.
  • Stay current on your existing accounts.
  • Opt out from the credit bureau lists at www.optoutprescreen.com to protect yourself from potential identity theft and so you aren't bombarded with unsolicited offers after settlement.

Don't

  • Don't worry about rates yet. When you have a home selected and are at the Application stage, then together we can begin watching for the best time to lock a rate.
  • Don't provide teller or internet print-outs for bank statements - we cannot use them.
  • Don't apply for new credit when applying for a mortgage. A new debt could change everything.
  • Don't close credit card accounts or consolidate your debts onto one card.


Buying a Home:
  • Home Buying Tips
  • Purchase Documentation Checklist
  • Pre-Approval
  • Home Search
  • Application
  • Processing
  • Underwriting
  • Clear to Close
  • Protect Your Purchase
  •  

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    FAIRWAY Independent Mortgage Corp.
    801 Estelle Drive
    Lancaster, PA 17601

    717-431-9299
    Fax: 866-580-9204
    Contact