Greg Ulrich from Fairway Independent Mortgage in Grapevine, TX, is committed to lending in his clients' best interest, which is his team's motto. Greg has been in the mortgage industry since 1993. Greg enjoys working for Fairway Independent Mortgage because he can work in his clients' best interest. Greg was a loan officer for large banks in the past and opposed the hypocrisy of pushing loan products onto borrowers that were not in their best interest.
He became an independent mortgage broker in 2001, and joined Fairway in 2007 to continue his path of putting his customers first.
He became an independent mortgage broker in 2001, and joined Fairway in 2007 to continue his path of putting his customers first.
Services
Buy A Home
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Buying a home is one of the biggest financial decisions a person can make and it is important to trust a Mortgage Planner to help you with the process.
Mortgage Planners at Fairway Independent Mortgage Corporation take the time to listen to your overall financial goals and dreams of homeownership, and then work with you to put together the best loan program for you.
Not only are we committed to truly listening to your needs, we will also communicate at every step of the process, answering all questions you may have and making you feel very comfortable in your decisions.
Mortgage Planners at Fairway Independent Mortgage Corporation take the time to listen to your overall financial goals and dreams of homeownership, and then work with you to put together the best loan program for you.
Not only are we committed to truly listening to your needs, we will also communicate at every step of the process, answering all questions you may have and making you feel very comfortable in your decisions.
Refinance
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Refinancing is the process of obtaining a new mortgage in an effort to reduce monthly payments*, lower your interest rates, take cash out of your home for large purchases, or change mortgage companies.
Most people refinance when they have equity on their home, which is the difference between the amount owed to the mortgage company and the value of the home.
You can reduce the interest rate (and, therefore, interest costs) by financing at a lower rate.
This is a primary reason for refinancing.
Depending on the circumstances, you can save a lot of money!.
Most people refinance when they have equity on their home, which is the difference between the amount owed to the mortgage company and the value of the home.
You can reduce the interest rate (and, therefore, interest costs) by financing at a lower rate.
This is a primary reason for refinancing.
Depending on the circumstances, you can save a lot of money!.
Loan Programs
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2. I will look at your overall financial picture and talk to you about your goals for the future to find the loan that is right for you.
There are many loans and programs that might be best for you.
When we meet and talk about your financial objectives, we will determine which program is best suited for your needs.
I will explain lending in the simplest terms and show you various scenarios and how they may benefit you.
There are many loans and programs that might be best for you.
When we meet and talk about your financial objectives, we will determine which program is best suited for your needs.
I will explain lending in the simplest terms and show you various scenarios and how they may benefit you.
Conventional
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If you are planning to borrow $510,400 or less for a single-family home, you should be looking into a conforming conventional loan.
Conventional conforming loans are not made by a government entity, like FHA and VA loans, but instead follow the guidelines set forth by Fannie Mae and Freddie Mac.
These established guidelines usually call for a minimum credit score, certain income requirements, and a minimum down payment (generally between 3% and 20%).
Conventional home mortgage loans have either fixed or adjustable rates.
Conventional conforming loans are not made by a government entity, like FHA and VA loans, but instead follow the guidelines set forth by Fannie Mae and Freddie Mac.
These established guidelines usually call for a minimum credit score, certain income requirements, and a minimum down payment (generally between 3% and 20%).
Conventional home mortgage loans have either fixed or adjustable rates.
Jumbo
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A jumbo loan, a type of non-conforming loan, is a home mortgage that allows financing for loan amounts that exceed the conforming maximum of $453,101 (depending on what area of the country you're in, loan amount may vary).
Since home prices for larger or luxury homes can often surpass this amount, this loan might be perfect for the house of your dreams.
A jumbo loan is your best (or only) option if you need to borrow between $484,351 and $3,000,000 for a home purchase or refinance.
Jumbo loan rates can be higher, lower, or the same as conforming loan amounts.
Since home prices for larger or luxury homes can often surpass this amount, this loan might be perfect for the house of your dreams.
A jumbo loan is your best (or only) option if you need to borrow between $484,351 and $3,000,000 for a home purchase or refinance.
Jumbo loan rates can be higher, lower, or the same as conforming loan amounts.
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