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Soft vs. Hard Credit Pulls: How Fairway Protects Your Credit and Privacy
When starting the home loan process, one of the most common concerns among buyers is how a mortgage preapproval will impact their credit score. At Fairway Independent Mortgage Corporation, we prioritize your financial well-being and privacy. That’s why we use a...
How to Make Your Home Offer Stand Out in a Competitive Market with a Strong Preapproval
If you're thinking about buying a home, you've probably heard that the real estate market can be competitive. In many areas, desirable homes receive multiple offers within days—or even hours—of hitting the market. When sellers have multiple offers to choose from, how...
Why Timing the Price, Not the Rate, Is the Key to Smart Home Buying
One of the biggest misconceptions in home buying is focusing solely on interest rates. Here’s the truth: you only get one chance to lock in a lower home price. Interest rates, on the other hand, can always be improved through a refinance when they drop in the future....
What to Expect from the Housing Market in 2025: A Consumer’s Guide
As we step into 2025, the housing market remains a hot topic. While last year brought some major challenges, many of those trends are expected to carry over into the new year. Here’s a simple breakdown of Fannie Mae’s key predictions for the housing market in 2025—and...
Mortgage Rates: A Mixed Bag This Week
Looking at this month’s trends, it’s clear this past week has been challenging for mortgage rates, which have ticked up slightly each day. As you can see from the graph, rates had improved over the last 30 days, and the news cycle has been buzzing with optimism about...
Homeownership: Your Path to Wealth
Why Buying a Home Can Help Build Wealth Over Time For many, buying a home is the largest financial decision they’ll ever make—and it’s also one of the most effective ways to build wealth. While renting is simply an expense, homeownership offers an opportunity to grow...
Conforming Loan Limits Raised!
More Buying Power for Homebuyers in 2025: Conforming Loan Limits Raised to $806,500! Big news for homebuyers—your purchasing power just got a boost! The Federal Housing Finance Agency (FHFA) has announced an increase in the conforming loan limit for...
Why Buying Real Estate Young is the Ultimate Wealth-Building Move
Investing in real estate as early as possible is one of the smartest financial decisions you can make, especially if you’re in California, where programs like bond initiatives can help you purchase a home with no down payment. These opportunities make entering the...
How Do 20-Something Investors Own 20 Properties? Here’s Their Secret
Ever wondered how some investors in their 20s manage to own 20 (or more!) properties before they even hit 30? It’s not because they’ve won the lottery or inherited millions. Their secret? DSCR Loans (Debt Service Coverage Ratio Loans). At Fairway, we specialize in...
Why Aren’t Mortgage Rates Dropping Even When the Fed Cuts Rates?
With all the news about the Federal Reserve lowering rates, you’d think mortgage rates would be plummeting. Unfortunately, it hasn’t quite played out that way—mortgage rates have actually been inching up! So, what gives? Fed Cuts vs. Mortgage Rates: A Misunderstood...
