Business Details
34 Years
experience
Your Trusted Mortgage Partner in Ponte Vedra Beach
Established in 1992, The Mortgage Lady Team Fairway has served as a trusted mortgage partner for homebuyers across Florida and Georgia. Our team of licensed professionals brings over 27 years of combined industry expertise, specializing in tailored mortgage solutions that address each client's unique financial needs. We pride ourselves on delivering competitive interest rates, streamlined loan processes, and exceptional communication that has fostered long-term relationships with thousands of satisfied clients. Our commitment to personalized service extends from initial application through closing and beyond, ensuring a seamless experience for first-time buyers, investors, and everyone in between.Recognized for our impeccable customer service and industry-leading turnaround times, we have built a reputation as one of Northeast Florida's most reliable mortgage providers. Our dedication to transparency, ethical practices, and client education has resulted in numerous positive reviews and a growing base of repeat customers who trust us with their most significant financial investments.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Refinancing
Home Improvement Loans
Debt Consolidation Loans
Investment Property Loans
First-Time Buyer Programs
Details
- Year established: 1992
Highlights and features
- We offer 32 years of experience in mortgage financing across Florida and Georgia
- Our team provides personalized loan solutions tailored to individual financial situations
- We maintain industry-leading turnaround times for mortgage approvals
- Our NMLS-certified professionals deliver transparent, ethical mortgage guidance
- We serve clients across 15+ communities in Northeast Florida and Southeast Georgia
What people say
Fast application to closing
Superb communication
Professional team
Personalized guidance
Seamless process
Services
Conventional Loans
Our conventional loan programs offer competitive rates for borrowers with strong credit profiles. These fixed-rate and adjustable-rate mortgages provide flexible terms for primary residences, investment properties, and second homes. Our experienced team guides clients through the qualification process while ensuring clear disclosure of all loan terms and requirements.
FHA Loans
FHA-insured loans provide accessible homeownership opportunities with lower down payment requirements. We specialize in helping first-time buyers navigate these programs while meeting all federal guidelines. Our process includes detailed credit counseling and financial preparation to ensure long-term mortgage sustainability.
VA Home Loans
We offer specialized VA loan programs for eligible military personnel and veterans. These zero-down payment mortgages include comprehensive support through the entire loan process. Our team maintains expertise in VA-specific requirements to streamline approvals while honoring service members' unique needs.
USDA Loans
Our USDA loan specialists help qualified buyers purchase homes in designated rural areas with zero down payment options. We provide detailed eligibility assessments and guide clients through property location requirements while maintaining compliance with USDA regulations.
Refinancing
We offer competitive refinancing options to help homeowners reduce monthly payments or access equity. Our process includes detailed rate comparisons and break-even analysis. Clients receive personalized recommendations based on current market conditions and individual financial goals.
People
Karen Chartier
Loan Officer
Karen Chartier, NMLS# 217809, brings extensive mortgage expertise to The Mortgage Lady Team Fairway. With deep knowledge of Florida and Georgia housing markets, she specializes in guiding clients through complex loan programs while maintaining exceptional service standards.
Questions
What mortgage programs do you offer?
We provide conventional, FHA, VA, USDA, jumbo, and investment property loans, along with refinancing and home improvement financing options across Northeast Florida and Southeast Georgia.
How quickly can you process a mortgage application?
Our streamlined digital process enables rapid pre-approvals with full closings typically completed within 30-45 days, depending on loan complexity and documentation timeliness.
Do you offer online mortgage tools?
Yes, our Fairway Now mobile app allows document submission, application completion, and real-time loan status tracking from any smartphone or tablet device.
Can first-time homebuyers get special assistance?
We specialize in first-time buyer programs including down payment assistance, credit counseling, and tailored loan options designed to make homeownership accessible and sustainable.
What areas do you serve?
We provide mortgage services throughout Florida's Northeast region including Jacksonville, St. Augustine, Ponte Vedra Beach, and surrounding communities, plus select areas in Georgia.
How do you maintain competitive interest rates?
Our direct relationships with multiple lenders and real-time market monitoring allow us to secure favorable rates while maintaining personalized service and local decision-making.
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