WHY CHOOSE US FOR ALL YOUR ORANGE COUNTY MORTGAGE NEEDS?
Fairway Independent Mortgage Corporation puts the customer first. Always.
Tim Storm, Branch Manager with Fairway, has over 32 years experience working with home buyers in Orange County, specializing in VA and FHA loans.
Tim has years of experience with Conventional loans and Jumbo loans as well.
VA Loans
VA Loans allow for no down payment financing. There is no VA Loan Limit for $0 down financing. In Orange County you could buy a home for $2,000,000 with ZERO Down.
* Fairway is not affiliated with any government agencies. These materials are not from HUD or FHA and were not approved by HUD or a government agency.
FHA Loans
FHA is a popular loan program for first time buyers. But, it also serves move up buyers very well. The Orange County FHA loan limit in 2022 is $970,800 and only requires a 3.5% down payment. This means you can buy a $1,000,000 with 3.5% down in OC. *
* Fairway is not affiliated with any government agencies. These materials are not from HUD or FHA and were not approved by HUD or a government agency.
Conventional Loans
A conventional mortgage is a loan that conforms to the guidelines set forth by Freddie Mac and Fannie Mae. These include portfolio and construction loans.
Jumbo Loans
A Jumbo, or non-conforming loan, is required for financing on a mortgage that is higher than the conforming loan limits set by Fannie Mae and Freddie Mac. $970,800 in the 2022 loan limit.
I’ll Guide You Through the Loan Process
The loan process can be easy, if you choose the right company and right Loan Officer. I focus on helping home buyers and owners in Orange County, CA with their home financing and have over 32 years experience closing loans. While I am known by many in the industry as specializing in FHA and VA loans, I have also extensive experience with Conventional Fannie Mae/Freddie Mac and Jumbo loan programs. The first step is to get Prequalified. Prequalification only takes a quick 5 minute phone call so that I can prepare customized loan scenarios based on your goals, qualifications, and payment comfort level. Once you have a solid idea of the price range and type of property you wish to pursue, the next step is to move forward with Loan PreApproval. Loan PreApproval is Free. While many lender charge a fee for the credit report and an application fee, we do not charge any fees for Loan PreApproval.**
**A Prequalification is not an approval of credit and does not signify that underwriting requirements have been met.
Start the Pre-Approval Process >> ***
***PreApproval is based on a preliminary review of credit information provided to Fairway Independent Mortgage Corporation which has not been reviewed by underwriting. Final approval is subject to a full Underwriting review of support documentation including, but not limited to, applicants’ creditworthiness, assets, and income information, and a satisfactory appraisal.
Let Tim Storm Show You How
“Most sellers will not even entertain an offer from a buyer unless they have been PreApproved by a Lender”
Even if you have been Pre-Qualified by another lender, it will be worth your while to have me prepare custom loan scenarios along with a video explanation of the scenarios. The video explanation is a unique way of thoroughly explaining the loan process.
When you are ready for a unique loan shopping experience please call me directly at 949.640.3102
You will be working directly me, Tim Storm.