Kristi Kerns Farmer brings with her over 28 years of Mortgage lending experience. As an experienced mortgage lender, Kristi delivers excellence in every area of lending process. She strives to become your trusted adviser and always works to exceed your expectations with her dedicated customer service and knowledge of mortgage lending. Her underwriting knowledge allows her to be an outside the box thinker, in order to help more customers become a homeowners.
Kristi makes a personal commitment to ensure a simple and straightforward loan process. Kristi is also a Military Mortgage Specialist and enjoys helping our well deserving Veterans become homeowners.
Kristi makes a personal commitment to ensure a simple and straightforward loan process. Kristi is also a Military Mortgage Specialist and enjoys helping our well deserving Veterans become homeowners.
Services
Submitting income from alimony, child support, or separate maintenance income is optional if you do not want to use that income for qualification purposes.
The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled.
For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.
The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled.
For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.
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.
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!.
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.
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.
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