• VA
  • FHA
  • USDA

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52% of mortgage rejections are due to a person’s debt-to-income ratio and credit history.
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Why you need an experienced mortgage originator.

Submitting your paperwork and hoping for the best isn’t enough.

A qualified, experienced mortgage originator at Fair Way Lending guides you through the process and mitigates any red flags that may arise.

For every eight applicants who seek a mortgage, one is rejected.

If you have student loan debt, poor credit history or sharp fluctuations in income, don’t let the unknowns of applying for a mortgage scare you away from taking the first step. Our experienced mortgage originators at Fair Way Lending are committed to providing you with industry tools that give you the keys which open the door to home ownership.

There are countless myths about applying for a mortgage and what you need.

Don’t let the common mortgage myths stop you from embarking on your home buying journey. Whether it’s your first home or fifth, or you’re looking to renovate, we have loan programs that meet the needs for the well qualified and for those who have had a credit and employment challenges in the past.

What you don’t know can prevent you from qualifying. Mortgage loan officers hold a position to give trust upfront, and underwriters are there to take it away if necessary, in order to protect you.

At Fair Way Lending we know a thing or two, because we’ve been in the industry long enough to see what works and what doesn’t. Our team of seasoned mortgage loan officers, highly trained processors and in-house delegated underwriters, work as a team to deliver on-time competitive financing options.

How a mortgage originator at Fair Way Lending works with you to ensure you secure your dream home.

  • 1
    We’re there at the very beginning.

    Financial preparation is the first and perhaps the most important step in the home buying process. One of the first questions you’ll need to answer is how much you can afford. Your Fair Way Lending mortgage loan officer can tell you how much financing you can qualify for and help you decide what’s comfortable for your budget.

  • 2
    We’ll walk you through step-by-step.

    We understand that buying a home can feel overwhelming, which is why at Fair Way Lending we’ve dedicated ourselves to making home financing clear and easy to understand. With personal attention and expert guidance at every step, you can move forward with clarity and confidence.

  • 3
    We stay in contact while you work with your licensed real estate agent.

    A licensed real estate agent will work with you to review your home search parameters, shop for your dream home, make offers, negotiate on your behalf to achieve an accepted purchase contract. We work hand-in-hand with you and your agent to ensure a five-star service as you embark on the American dream of homeownership.

  • 4
    We check-in.

    Our experienced loan officers will check in with you during key steps of the buying process, ensuring things are on-track and meeting your expectations. A licensed real estate agent will help you find a qualified inspector, and we are here to ensure a smooth process and make sure everything is running on-time.

  • 5
    We order appraisal.

    We order an appraisal that identifies the total value of your future home.

  • 6
    You seek homeowner’s insurance and provide a written quote for coverages.

    It’s your home and you’ll need to protect it. Getting a homeowner’s insurance quote is one of the first steps you take after you enter into a contract. Many first-time home buyers call their existing insurance company to bundle their homeowner’s policy with their automobile.

  • 7
    We provide conditional mortgage commitment and closing documents.

    We work tirelessly to get you a conditional mortgage commitment well before the contract closing date. Your licensed loan officer will review closing figures with you before the closing date answering any questions you have.

  • 8
    We celebrate and stay with you well past your closing date.

    We attend the closing with you to ensure a smooth process and congratulate you on your new home!

Business Woman

No matter if you’re a first-time home buyer or fifth-time home buyer, you’ll need an experienced mortgage professional who is engaged and focused on your goals and expectations to ensure you receive the best loan options with your loan approval.

More than just rates and terms we offer a wide range of home financing options

We believe in speed, service, satisfaction and winning. We are dedicated to delivering an experience that’s enjoyable and fulfilling. Our commitment to stay with you to help you overcome complexities that may come with securing a mortgage. We don’t quit until we can say “welcome home”.

Competitive resources

We provide cutting-edge resources to make the mortgage application process fast and efficient. With years of experience in the industry, we have relationships with leading real estate agents, inspectors, CPAs and more that we can connect you with to ensure a successful and rewarding home buying experience. Ask you loan officer for details!

Lifelong Service

Helping homeowners secure their dream home is our pleasure. As your mortgage loan originator, we stay with you well past your closing date and are always here to answer any future questions you have regarding refinancing, renovating, or when it’s time to make your next move.

Trusted by industry partners and homeowners across Indiana, Florida and Kentucky


Start your FREE application for pre-qualification and pre-approval through our secure portal.


Pre-qualifying is the first step. It gives you an idea of how much of a loan you’ll likely qualify for. Provide your mortgage originator at Fair Way Lending what your goals and needs are regarding your mortgage and we will offer various mortgage options based on your needs.

  • Pre-qualifying can be done over the phone or online
  • A fast process that takes one to three days

Start Application



Pre-approval is the second step, a conditional commitment to grant you the mortgage. Complete your official mortgage application online and talk with your mortgage originator is about any questions you have. Providing your necessary documentation allows us to perform an extensive check on your financial background, current credit rating and discuss your financial history with you.

  • Pre-approval allows you to shop confidently and gives you an advantage when working with a seller
  • Fair Way Lending works with you to lock in a competitive interest rate and navigate the paperwork process

Start Application


Ready to make your homeownership dreams come true?

Call a mortgage loan originator at 317-440-0004