Hutchins Roger
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Hutchins Roger
We are committed and passionate professionals who put our clients' best interests and satisfaction above all else. Our team's determination to cater to our clients' specific needs coupled with our market expertise, attention to detail, and superior negotiating skills allows you to receive first class service coupled with the Best product options in the Industry.

With an extensive background in the mortgage industry and understanding the nuances of the Mortgage Loan business, we use the latest in web technology to provide the most up-to-date tools available to you. Fairway Independent Mortgage Corporation, is one of the top mortgage companies in the US. Being one of the best means full and unwavering commitment to our cause - helping you realize your dream of home ownership.
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At Fairway, we strongly believe that the way we do things is just as important as what we do. Every employee is guided by our Core Values, which form the foundation on which we work and conduct ourselves.

These values are not descriptions of the work we do as a company or the strategies we employ to accomplish our mission; they underlie our work, how we interact with each other, and guide us in determining how to best serve our customers, employees, and local communities.We are committed and passionate professionals who put our clients' best interests and satisfaction above all else.
Whether you are looking for a first mortgage to purchase a home or trying to refinance an existing mortgage, it is helpful to understand more about how the general loan classifications. Mortgage loans are categorized as either fixed rate mortgages (FRM), adjustable rate mortgages (ARM) or some combination of the two.
The task of getting a mortgage loan can be difficult. It is helpful to see an overview of the process. A mortgage broker can be a useful guide through this process, even before the search for a house begins. The mortgage broker takes you through the four basic phases from the preliminary decisions through the final loan funding.
The Back End Ratio (45%) income is based on the PITI (Principal + Interest + Monthly Property Tax + Monthly Home Insurance + Monthly Debt). This total amount is the sum described above as Total monthly debt payment. As long as your total income (salary + interest income + rental income + dividend income) meets ONE of the two incomes you will probably qualify, and if it meets both you are in even better shape.
Reviews (2)
Taylor B.
Taylor B.
Apr 06, 2021
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We went with Roger when he was able to beat even Eastman credit union by over a percent. We also refinanced through him. He’s a great guy and gets the best deal for you.
Ryan Lawson
Ryan Lawson
Sep 28, 2020
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Roger and his team are the very best.
Even when it comes to the current
situation with covid, they were always a
phone call away. They maintained
constant communication through the
whole process. They answered any and
all questions we had as quick as possible
They made our erst time buying a home
smooth and easy experience. They
turned what can be a very stressful
experience and broke it down for you on
step at a time. We greatly appreciate all
the hard work they put in for us!