Team Dawes

Business Details

25 Years

experience

Your Trusted Mortgage Partner in Salem, OH

At Team Dawes, we prioritize customer service as the foundation of our mortgage lending practice. With over 24 years of experience managing the Salem, Ohio branch of Fairway Independent Mortgage Corporation, our team delivers competitive rates, streamlined loan processes, and industry-leading expertise. Our commitment to excellence is reflected in our recognition as Top 20 producers of USDA Loans nationally and our specialized designations, including Military Mortgage Specialist and Certified Military Home Specialist. We leverage the Fairway Now App to enable remote loan processing, secure document sharing, and real-time communication, ensuring convenience without compromising personalized support. Our team of seasoned professionals, including Branch Manager William Dawes and Loan Officer Assistants Abbey Dawes and Misty Baclawski, combines deep local market knowledge with a dedication to guiding clients through every stage of the mortgage journey.

By maintaining partnerships with major loan programs like FHA, VA, and USDA, we provide tailored solutions for first-time buyers, veterans, and investors. Our 282+ Google reviews highlight our ability to transform complex mortgage processes into stress-free experiences through transparent communication and efficient execution. As advocates for long-term homeownership success, we offer educational resources, budgeting tools, and post-closing support to ensure clients make informed financial decisions. Our track record of 17 years in mortgage lending and consistent top-tier production rankings underscores our position as trusted advisors in Northeast Ohio's housing market.

Services

Conventional Loan FHA Loan VA Loan USDA Loan Refinance Loan Bridge Loan Trade-In Mortgage Self-Employed Loan DSCR Loan Grant Programs

Details

Year established: 2001

Highlights and features

We offer 24 years of mortgage lending experience with top-tier USDA loan production
Our team includes certified Military Mortgage Specialists and Home Specialists
We provide a proprietary app for seamless remote loan processing
Our 282+ Google reviews highlight exceptional client communication and support
We specialize in first-time buyer programs and rural development financing

Associations and certifications

NMLS ID 259692

What people say

Stress free experience Team work impeccable Great communication Extremely patient Top notch service

Website

Update Listing

Services

Conventional Loan

Conventional loans suit borrowers with good credit and stable income, offering flexible terms and fewer restrictions. These mortgages provide competitive interest rates and various down payment options, making them ideal for purchasing or refinancing primary residences, investment properties, or second homes. Our team helps clients navigate loan-to-value ratios and private mortgage insurance requirements to secure optimal financing solutions.

FHA Loan

FHA loans provide accessible homeownership opportunities with low down payments and lenient credit requirements. Designed for borrowers who might not qualify for conventional mortgages, these loans feature competitive interest rates and flexible underwriting standards. Our specialists guide clients through the FHA approval process, including helping those transitioning from adjustable-rate to fixed-rate mortgages to ensure long-term payment stability.

USDA Loan

USDA loans offer zero-down-payment options for eligible rural and suburban homebuyers. These mortgages include special programs like the Ohio Housing Finance Agency's 2.5%-5% down payment assistance. Our team excels in USDA loan production, ranking in the top 20 nationally, and helps clients understand property eligibility requirements and income limits to achieve affordable homeownership in qualifying areas.

VA Loan

VA loans provide exclusive benefits for service members, veterans, and surviving spouses, including no down payment requirements and competitive rates. Our Military Mortgage Specialists assist clients with certificate of eligibility processes and streamline refinancing options. We help veterans maximize their service-related benefits while navigating specific property requirements and funding fee structures for both purchase and refinance transactions.

Refinance Loan

Refinance loans allow homeowners to improve mortgage terms by lowering interest rates, shortening loan terms, or accessing home equity. Our process includes cash-out options for debt consolidation or home improvements, and we specialize in FHA-to-conventional conversions when clients reach 20% equity. We analyze break-even points and long-term savings to determine whether refinancing aligns with clients' financial goals and timelines.

People

William Dawes

Branch Manager

With 17 years of mortgage lending experience, William manages the Salem branch and ranks among the top 20 USDA loan producers nationally. He holds MMS and CMHS designations, demonstrating expertise in military housing solutions and rural development financing.

Abbey Dawes

Loan Officer Assistant

A Kent State University marketing graduate, Abbey has maintained our online reputation for five years. She specializes in borrower qualification and loan program education, ensuring clients understand all available mortgage options and requirements.

Misty Baclawski

Loan Officer Assistant

With four years of client interaction experience, Misty manages initial communications, credit reviews, and pre-approval processes. She ensures seamless information flow between clients and underwriting teams while addressing financing questions throughout the loan journey.

Questions

What mortgage loan options do you offer?

We provide conventional, FHA, VA, USDA, bridge, trade-in, DSCR, self-employed, and refinance loans, along with Ohio down payment assistance programs for eligible borrowers.

Can I refinance my existing FHA loan?

Yes, we offer FHA Streamline Refinances and conventional conversion options that may lower payments or switch adjustable-rate loans to fixed-rate mortgages for long-term stability.

How does the USDA loan process work?

USDA loans require property location verification in eligible rural areas, income limit checks, and standard mortgage underwriting. Our top 20 nationally ranked team guides clients through each step.

What is the mortgage application process?

Start with pre-approval by submitting financial documents through our Fairway Now App. Our team reviews your information, identifies suitable loan programs, and guides you through closing.

Do you offer first-time homebuyer programs?

Yes, we specialize in first-time buyer assistance including Ohio's 2.5%-5% down payment grants, FHA loans with 3.5% down, and USDA loans requiring no down payment for qualifying properties.

How can I access my loan documents?

Our Fairway Now App provides secure document upload features, real-time payment calculations, and direct messaging with loan officers for convenient remote mortgage processing.

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