Who We Are

Fairway offers you the products, support and technology of a national service organization with the benefits of a local presence dedicated to providing you with legendary service, exceptional knowledge, and lasting relationships. Our blend of local expertise and underwriting combined with the power and clout of the Nations top 15 lenders, brings you the dedicated service and solutions you deserve!

Our Core Convictions

o Truth is the basis for everything we do and must not be compromised o Everyone knows their job and carries it out at the height of professional excellence o We treat all parties in the real estate transaction with the highest respect o Our can do culture emphasizes sharing and cooperation among all parties o When you work with Team Fairway, our entire team works on your behalf Established in 1996, Fairway Independent Mortgage was built on a foundation of customer service. We understand that the process of buying a home can be scary and nerve -wracking, especially for first time buyers says Fairway CEO, Steve Jacobson. Our teams work together to make sure that there are no surprises at closing. Fairway opened its first New England branch in 2006, and since then has rapidly grown to the 30th ranking lender in Massachusetts 2012. Today there are 10 New England locations to serve you! Fairway treats all customers as if they were our only customer. We dont strive to be the biggest we work each and every day to be the BEST!

2013 Fairway Independent Mortgage Corporation 18 Crawford St. Needham MA 02494 / NMLS ID#2289 / LICENSED MORTGAGE LENDER / EQUAL HOUSING LENDER Massachusetts Lender License # MC2840 / MA Broker License # MC2840 / Connecticut Lender License # ML-BCH-15751 / Licensed by theNew Hampshire Banking Department: NH Mortgage Banker Branch License # 15041-MB-BCH / Rhode Island Licensed Lender: RI Lender Branch Certificate # 20052004LLB 01 / RI Loan Broker Branch Certificate # 20052005LB B01

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Our Promise to the Real Estate Community

o Truth and Transparency are what matters most to us o No hidden costs or unpleasant surprises in the loan process o You will work with the same knowledgeable, deeply experienced Fairway Team members at each stage of the mortgage process o Detailed explanations of all documents and costs will be provided o All information will be kept private and treated with respect o We offer the most competitive programs, products, technology and service in the industry today

Certified Pre-Approval Guarantee: Closing Loans On Time, Under Budget, With No Surprises
Fairway issues and guarantees the accuracy of Fairway Certified pre-approvals as long as: o Your personal financial qualifications stay the same or improve1 o The agreed upon loan parameters stay the same or improve2 o The property meets all necessary loan requirements3 If we are wrong we will: o Reimburse documented short-term moving, relocating and/or storage expenses up to a maximum of $1500 o Reimburse any documented lost home inspection or appraisal expenses up to $1000 o Reimburse any forfeited earnest money expenses up to $5,000

The Closing and Beyond

o o o o The HUD will be available to review well in advance of the closing Funds will always be at the table ahead of the closing All parties will have the opportunity to review documents in advance Scheduling of closings will ensure maximum convenience for all parties involved

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Personal financial qualifications includes but is not limited to employment, income, assets, credit scores, and debt. Agreed upon loan parameters includes, but is not limited to maximum loan amount, maximum total monthly payment, maximum interest rate, interest rate market conditions, down payment requirements, property insurance requirements and mortgage insurance requirements. 3 Necessary loan requirements of the property includes but is not limited to, appraised value, insurability, property conditi on, inspection condition, legal title conditions, HOA conditions and housing project conditions.

First Step Pre-Approval Application Complete this application and fax to Fairway Independent Mortgage (NMLS # 2289) to receive your mortgage Pre Approval. Your new home could be a fax or call away! 18 Crawford St. Needham, MA. 02494 Fax to: 781.719.4684
Borrower: Current Street Address City/State/Zip Rent/Own Purchase Price Tel: No. Home Current Employer Address of Employer Total Annual Salary Co-Borrower Name Current Street Address City/State/Zip Rent/Own Tel. No. Home Current Employer Address of Employer Total Annual Salary How Long at Company Are you Self Employed? No. of Years Work Current Payment email:_________________________ cell: _____________________ position: How Long at company SS# Are you Self Employed? Date of Birth Work No. of Years Current Payment
P& I Taxes Ins.

SS#

Date of Birth

Amount you owe ______ email:__________________________ cell________________ position:

Institution Name Institution Name

Source of Down Payment - Asset Information savings/checking/money market/stocks/retirement/gift funds Balance Balance

Institution Name ___________________________________________________ Balance _________________________________________ Institution Name ___________________________________________________ Balance _________________________________________

Declarations
Have you had a property foreclosed upon or given title or deed in lieu therefore in the last 7 years? YES____ NO _____ YES____ NO _____

Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial obligations, bond, or loan guarantee? Are you a U.S. Citizen? Are you a permanent resident alien? Do you intend to occupy the property as your primary residence? Have you had ownership interest in a property in the last 3 years?

YES____

NO _____

YES____

NO _____

YES____ YES____ YES____ YES____

NO _____ NO _____ NO _____ NO _____

YES____ YES____ YES____ YES____

NO _____ NO _____ NO _____ NO _____

Borrower

Date

Co-Borrower

Date

I/we authorize lender to obtain any and all information and documents that are needed for this First Step mortgage Pre -Approval. Information includes, but is not limited to; employment and income history, credit and debt history and bank, credit union, investment institutions and similar account balances.

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TheThe Six Donts: 6 Donts:

to do when applying applying forfor a loan WhatWhat not not to do when a loan
The following is a list of things to avoid when you are seeking to obtain home financing.
1. Dont buy or lease an auto Lenders look carefully at your debt-to-income ratio. A large payment such as a car lease or purchase can greatly impact those ratios and prevent you from qualifying for a home loan. 2. Dont move assets from one bank account to another. These transfers show up as new deposits and complicate the application process, as you must then disclose and document the source of funds for each new account. We can verify each account as it currently exists, and you can consolidate your accounts later if you wish. 3. Dont change jobs. A new job may involve a probation period, which must be satisfied before income from the new job can be considered 4. Dont buy new furniture or major appliances If the new purchases increase the amount of debt you are responsible for on a monthly basis, there is the possibility this may disqualify you from getting the loan, or cut down on the available funds you need to meet closing costs. 5. Dont attempt to consolidate bills before speaking with us. We can advise you if it is really necessary to do this. 6. Dont pack or ship information needed for the loan application. Important paperwork such as W-2 forms, divorce decrees and tax returns should not be sent with your household goods. Duplicate copies take weeks to obtain and could stall the closing date on your transaction.

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Licensing Information: 18 Crawford St. Needham MA, 02494/ 781-719-4664/ Fairwayne.com NMLS # 2289, Branch license # 15751 / Massachusetts Lender License # MC284 Massachusetts Broker License # MC2840 / Connecticut Lender License # ML-BCH-15751 / New Hampshire Mortgage Banker Branch License # 15041-MB-BCH / Rhode Island Lender Branch Certificate # 20052004LLB 01 / Rhode Island Loan Broker Branch Certificate # 20052005LB B01 / EQUAL HOUSING LENDER/LICENSED HOUSING LENDER