HOME LOANS

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OUR HOME LOAN PROGRAMS

Fairway Independent Mortgage Corporation in Grand Junction and Durango offers a variety of home loan programs to help you purchase your dream home.

Learn more about the home loans we have to offer and contact one of our loan officers for more information today! We’re here to help.

Home Ownership

First Time Homeowners

Ready to stop paying someone else’s mortgage on rental properties? Our loan officers and loan programs help first-time homebuyers know what options they have when it comes to investing in your first home.

It is best to pre-qualify for a loan to see what you’re eligible for financing before you visit with a realtor. Speak with one of our loan officers today.

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For Move-Up Buyers

If you’re a property owner who has owned a residential or commercial property for several years and you’re looking to purchase a larger estate or building, the move-up buyer program may be for you.

Our loan team can build an estimate based on what factors are most important to you for move-up purchases. No matter if you’re looking for a bigger property or nicer neighborhood, our move-up buyer program can help.

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Second Home Investments

Are you wanting to know what kind of loan you qualify for in order to invest in a second home? Owning a second home has many benefits. It could potentially yield a vacation spot for any time of the year, it could also provide a second income as a rental property.

Whatever your reason is for wanting to invest in a second home, our loan officers can provide the experience and loan qualification estimates you need to begin your search

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Loan Programs

Mortgage Loan Qualifying

The best thing to do before you start shopping for a house is to qualify for a mortgage loan. Doing this first lets you know what kind of market and home you’ll be able to comfortably afford. It will also help you find the right loan to fit your home investment needs.

Fairway Mortgage has the answers to all your questions when it comes to qualifying for a mortgage loan.

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qualifying for a mortgage in grand junciton co

Veterans Administration (VA) Loans

Once you have a certificate of eligibility or a COE, veterans are able to apply for a VA home loan. Veteran Affair’s loans are great for individuals who are looking to invest in a home with lower rates than traditional financing.

The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses. To see if you qualify, speak with one of our loan officers today.

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Reverse Mortgage Loans

A reverse mortgage is a home loan that was designed for senior homeowners who are 62 years or older. This type of loan allows senior seniors to access a portion of their home’s equity, with the home set as collateral.

Speak with one of our loan officers today and learn how you can qualify for a reverse mortgage loan and turn some of the equity of your home into cash!

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Reverse Mortgage Loans in Grand Junction CO

Conventional Loans

If you’re looking to purchase a home and you have a great credit score, a conventional loan may be for you. Conventional loans give borrowers more flexibility in financing a home. For example, FHA loans can max out around $290,000, whereas a conventional loan can qualify you for amounts of $600,000 to $1.3million depending on which state you live in.

Speak with a loan officer today to learn what kind of conventional loan would work best with your budget.

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FHA Loans

If you’ve never owned a home or you have not owned a home in three or more years, the Federal Housing Administration loan (FHA loan) is a great home loan option. This home loan program provides home buyer’s opportunity to buy a home with a smaller down payment.

These loans were created to help first time home buyers, individuals who are ready to stop throwing money away with rentals, and buyer’s who are ready for a fresh start.

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Jumbo Loans

A jumbo loan or a Jumbo mortgage is a type of financing that exceeds traditional limits set by the Federal Housing Finance Agency (FHFA). This type of loan is designed to help buyers finance luxury properties and homes in competitive real estate markets.

Speak with one of our loan officers today to learn about the underwriting and tax requirements before you qualify for one of these loans.

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Renovation Loans

Already have a home loan, but want to make repairs or upgrades? With a renovation loan, you can roll the cost of financing or refinancing a home and repairs into one loan. Get the funds you need to turn a house into your home.

Speak with a loan officer at Fairway Independent Mortgage Corporation to find out what kind of renovation loan works best for your project.

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USDA & Rural Development Loan

USDA loans are mortgages backed by the United States Department of Agriculture. These loans are designed to offer 100% financing with reduced mortgage insurance premiums in areas that need developing.

Home loans guaranteed by the USDA provide affordable financing options small town properties.

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Refinancing

Guide to Refinancing

Refinancing your mortgage generally means to replace the original mortgage with a new one. Refinancing is typically done to get a better interest rate and change the terms.

Speak with a loan officer today to learn more about refinancing your current mortgage.

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Managing Your Mortgage

Want to learn more about different types of mortgage loans and which plan is best for you. Speak with one of our loan officers today and we’ll guide you through the process and see what you qualify for.

Our mortgage planners will examine your credit report and discuss the best options for you.

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Mortgage management services