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Loan Programs

Below is a partial list of programs offered by Fair Way Lending. It's good to understand some of the basic information about the available loan types, but our experienced loan officers will make recommendations based on your individual status. For a complete list of all we offer, please contact us.

Conventional Loan

Conventional loans are home loan programs that are not backed by a government agency but have many of the benefits that government loans have to offer and more. Conventional home loans come in several different varieties; whether you are a first-time homebuyer, looking for an investment property, or wanting to refinance your current home, there is a conventional option for you.

FHA Loan

FHA loans offer the opportunity for a lower down payment and can finance allowable closing costs. Purchase a home with as little as 3.5% down (primary home). The seller can also contribute up to 6% of the purchase price to the buyer towards closing costs. FHA Loans are Backed by the Department of Housing and Urban Development. All terms are available with fixed rates. Credit scores as low as 580 may qualify

VA Loan

Backed by the Veterans Administration and the federal government. You have to be a qualified Veteran or military personnel.

VA loan goes up to 100% market value.

No Mortgage Insurance required.


USDA Rural Development Guaranteed Housing Loan Program is a mortgage loan offered to rural property owners. USDA loans require no down payment and you may finance up to 100% of the property value. The property must meet USDA guidelines to be eligible to qualify. 

USDA Streamline Refinance is available with no appraisal

Jumbo Loan

The Jumbo Loan Program offers multiple options for those looking to finance higher-value properties.  Purchase, Refinance and Cash-out Refinance. 

Renovation Loan

The program provides a convenient and economical way for borrowers considering moderate home improvements to make repairs and renovations with a single-close mortgage. Renovation loans enable you to purchase a home that needs repairs, or refinance their existing home and includes the necessary funds for renovation in the loan balance.

Investor Loan

Program financing available for  1-4 family properties that will be for investment. Whether you are looking to fix and flip properties or hold properties for rental income, We have flexible options that are suited to your needs.

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