Loans & Programs

FHA Loans

Fairway makes FHA loans easy

An FHA loan is a mortgage that is insured by the Federal Housing Administration, which is part of the U.S. Department of Housing and Urban Development (HUD).

The FHA does not loan money to borrowers; rather, it provides lenders protection through mortgage insurance. This FHA insurance allows lenders such as Fairway to provide home loans with down payments as low as 3.5% of the purchase price. FHA loans are also very useful to refinance and consolidate debts into a low, fixed-rate loan.

Fairway specializes in FHA mortgage loans


Fairway Independent Mortgage of the Carolinas is a Charlotte-area specialist in FHA mortgage loans, especially for first-time homebuyers or those without a 20% down payment. For those with a lower credit score or credit issues, our underwriters can explain some variances in payment and put your loan on the road to success. Even in the case of filing bankruptcy, a borrower may obtain an FHA loan after two or more years of re-establishing good credit. Our Charlotte-area FHA loan programs are particularly beneficial to those buyers with less available cash. The rates on FHA loans are generally market rates, while down payment requirements are lower than for conventional loans.

*Fairway is not affiliated with any government agencies. These materials are not from HUD or FHA, and were not approved by a government agency.

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