Earning your business through building a relationship of trust and integrity is Lindsay Eckhoff's goal. Buying or refinancing a home is more than just a transaction, which is why you will always be more than just a customer to Lindsay. Her passion for the past seven years has been helping people fulfill their dreams of homeownership.
Lindsay has learned that the business is about relationships, and that trust and integrity are paramount to helping you achieve your goals. As your lending expert, her job is to listen to you, clearly explain your options, and help you make the right choice for your family.
Lindsay has learned that the business is about relationships, and that trust and integrity are paramount to helping you achieve your goals. As your lending expert, her job is to listen to you, clearly explain your options, and help you make the right choice for your family.
Services
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.
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.
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.
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. A fixed-rate mortgage means that your monthly mortgage payment remains the same for the life of the loan, and typically has a term of 15 or 30 years.
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. A fixed-rate mortgage means that your monthly mortgage payment remains the same for the life of the loan, and typically has a term of 15 or 30 years.
If you have credit challenges, an FHA loan may be the right answer for you, especially if you have been through a foreclosure or bankruptcy. These loans usually have higher debt ratio allowances, which can make a difference when you have steady income but have debt from college loans, credit cards, etc.
Reviews (8)
Florin Boicu
Oct 16, 2021
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Ray Hughes
Jul 27, 2021
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Derek Hindes was an awesome team member on my home buying adventure. A lot of his work is done in the background and so easily not noticed if I wasn't aware of so much that was going on. He took care of things so I could concentrate on what I needed to do. A great thanks for all the help and hard work.
Sandy Zimmermann
Mar 12, 2021
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I'd like to start by saying that one of the reasons our seller's agent chose our offer out of the top 2 was BECAUSE we were partnering with Fairway. That says something about their responsiveness and professionalism! Our broker, Mark, has been so kind, responsive, professional, knowledgeable, and more! We were blown away by his communication, follow up, and consideration of our needs and perspective. He always kept us well informed, answered all of our little questions, and made us feel that we were in good hands through the entire process. Not only was our direct experience with him great, but
Kenny Kim
Nov 28, 2020
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Adam Shafer cared about our experience from the beginning to the end. He was fast in responding and he had a far superior service compared to other lenders I have worked with. I have worked with over 4 other lending officers during my past two purchases. Most lenders will just care about their time and whether or not they will get paid, but Adam truly cares about whether he can help you in purchasing your new home. The process is complicating and difficult, but Adam will help you walk through each step
Michelle Vonderau
Oct 11, 2020
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Kevin Haynes
Oct 10, 2020
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I worked with Mark Mills to secure a loan for my first home. Mark was incredible, going above and beyond to ensure that I had the knowledge and resources I needed at the right time. He is great at educating without making you feel like you don’t know anything. I would recommend Mark to anyone (and I plan to do so).
Jon Forbes
Jun 23, 2020
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Derek Hindes is awesome to work with. He communicates regularly, answered all of our questions quickly, gave us all of the options for what we were trying to do, and never once made us feel like he was too busy to talk to us. I am a licensed real estate broker and I have no qualms about recommending Derek to all of my clients if they need to get financing. He is the best!
Jackie Lawley
Jun 17, 2020
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I worked with Derek Hindes and he went above and beyond in his service. He was in communication every step of the way. As a first-time home buyer, I needed direction and had a lot of questions. He walked me through the process so I understood each step, and answered any and all my questions. Based on his recommendations and expertise, our first home purchase went so smoothly and we were able to close in 18 days. He made a very intimidating process seem easy. I can't recommend Derek and Fairway enough!
