Don't Worry About Your Credit Score

Real estate secured loans from $10,000 to $200,000 or more

Borrow the money you need without regard to your credit score.

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Personal Loans

Personal Use Loans

  • Bill Consolidation
  • Home Improvements
  • Travel and Leisure

Borrow the money you need without regard to your past credit history.

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Approval for a Personal Use Loan is primarily based on two factors:

1. You have sufficient equity in your property to adequately secure the loan.

2. You can prove that you have enough income to repay the loan.


No Credit Check

We will never pull your credit report, and we will not know your credit score.


Proof of Income

Federal and state laws require that we verify your ability to repay the loan. Therefore, we will ask you to prove your income, generally with your most recent pay stub and your W2 from last year. Work for yourself? You will most likely need to provide us with your tax returns. Every situation is different. Call us to find out more!


Evidence of Debts

Because we do not pull your credit report, we will ask you to provide us with a written listing of all of your debts. The federal government requires that we verify those debts. Therefore, we will ask you to provide us with the most recent billing statement for each of the listed debts. A note of caution, it is a federal crime, punishable by up to a $1,000,000 fine and 20 years in prison, to commit mortgage fraud. When we ask you to list your debts, we rely on you not to leave anything out.


Underwriting

Once we have proof of your income and your debts, we will look at the numbers and make sure that there is a reasonable likelihood that you can afford to repay the loan. Because Fairway is a private, "small-entity" lender, federal law gives us more leeway with our underwriting guidelines. Generally speaking, if your debt-to-income ratio is less than 50%, then we can help. But sometimes we can go higher, so please call to find out more!


Property Inspection

We will make a full inspection of the property being offered as the security for the loan. There is never a cost to you for this inspection. But please be advised that this is not an appraisal or a valuation.


Title Insurance

Once the inspection is done and the loan is approved, we will send you a Loan Commitment Letter, wherein Fairway commits to making you the loan. You will take this letter to a title company of your choosing. The title company will search your deed to make sure you have good title to your property. Fairway can help you find a title company in your area. Fairway will coordinate with your title company to setup the closing date and get you the money you need.


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Business Loans

Business Use Loans

  • Rental Property Improvements
  • Working Capital
  • Startup Expenses

Borrow what you need. No credit check, proof of income not required.

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Approval for a Business Use Loan is primarily based on one factor:

You have sufficient equity in your property to adequately secure the loan.


Proof of Income Not Required

When borrowing money for a verifiable business use, you do not need to prove your income.


No Credit Check

We will never pull your credit report, and we will not know your credit score.


Underwriting

Generally speaking, the lending decision is made strictly based upon the value of the collateral.


Property Inspection

We will make a full inspection of the property being offered as the security for the loan. There is never a cost to you for this inspection. But please be advised that this is not an appraisal or a valuation.


Title Insurance

Once the inspection is done and the loan is approved, we will send you a Loan Commitment Letter, wherein Fairway commits to making you the loan. You will take this letter to a title company of your choosing. The title company will search your deed to make sure you have good title to your property. Fairway can help you to find a title company in your area. Fairway will coordinate with the title company to setup the closing date and get you the money you need.


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A Lender You Can Trust
Business Loans

In business since 1957, Fairway Loans is a privately owned, family run direct lender -- not a mortgage broker.

Better Business Bureau Approved

Our A+ rating with the Better Business Bureau is a testament to our dedication to serving our customers and treating people the right way.

FairwayLogo Making Loans Since 1957
It's Easy To Apply
Jarrod Menta Jarrod Menta, Loan Originator NMLS 141767

Call and speak with our loan originator, Jarrod Menta.

Jarrod can answer all your questions, and give you all the information you need to make a great borrowing decision.

 Call Now

Loan Quote
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  • Affordable Payments
  • Fixed Rates
  • No Prepayment Penalty


*Quoted payments are for first lien loans where the security is an owner occuppied primary residence. Quoted payments do not include additional amounts for the escrow of taxes and insurance. This calculator is not a substitite for a Loan Estimate. Please call our loan originator to request an official Loan Estimate.
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Customer Testimonial
FairwayLogo  Here's a letter from a customer

"Dear Jarrod and all the Staff at Fairway,

Thank you so much for your outstanding Loan Services and Customer Service. Our experience with your Company over the last 15-years has been amazing.

Your Loan Service has been Stress-Free and accomodating. We have, and will continue to Recommend your Company.

Again, thank you. If we find ourselves in need of a loan again, we will definetly call your company."