SmartRatesUSA
Mortgage Lender Review🛠️ Widest Loan Menu

Fairway Independent Mortgage

Online Lender

30-yr fixed APR around 6.69%. Borrowers who want access to niche loan programs like renovation or reverse mortgages.

At a Glance

30-Yr Fixed APR

6.69%

15-Yr Fixed APR

6.05%

Min. Credit Score

600

Min. Down Payment

3%

Lender Type

Online Lender

Avg. Closing Time

30 days

Key Features

One of the largest independent mortgage lenders in the U.S. by volume

Broad specialty menu including renovation, USDA, and reverse mortgages

Local loan officers in nearly every state alongside a digital application

Pros & Cons

Pros

  • Very wide loan program selection, including niche products
  • Strong reputation for loan officer responsiveness
  • Options for lower-credit and first-time buyers

Tradeoffs

  • Rates aren't published online; must contact a loan officer for a quote
  • Service quality can vary by local branch/loan officer

Best for: Borrowers who want access to niche loan programs like renovation or reverse mortgages

Frequently Asked Questions

What credit score do I need for a mortgage with Fairway Independent Mortgage Corp.?

Fairway Independent Mortgage Corp. generally works with borrowers around 600+, though the exact rate and approval odds depend on your full credit profile, down payment, and loan program.

What loan types does Fairway Independent Mortgage Corp. offer?

Fairway Independent Mortgage Corp. offers Conventional, FHA, VA, USDA, Jumbo, Renovation, Reverse Mortgage. Availability can vary by state and property type, so confirm your specific loan program directly with the lender.

Does Fairway Independent Mortgage Corp. charge lender fees?

Fairway Independent Mortgage Corp. charges standard lender fees as part of closing costs — ask for a full Loan Estimate to see the exact breakdown before committing.

Other Mortgage Lenders

Rocket Mortgage

6.75% 30-yr fixed APR

Better Mortgage

6.49% 30-yr fixed APR

Navy Federal Credit Union

6.35% 30-yr fixed APR

Rates shown are illustrative national averages for 2026 and change daily based on market conditions, loan amount, credit score, and property type — always confirm current rates directly with the lender.

← Compare all mortgage lenders