Loan programs
The full toolkit — with advice on which tool
Fairway carries essentially every major loan program. The programs aren't the hard part; matching one to your actual situation is. Read up below, then let Justin do the matching.
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Learn more →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Learn more →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Learn more →USDA Loans
$0 down for homes in eligible smaller communities — many Twin Cities exurbs qualify, and most buyers have no idea.
Learn more →Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Learn more →Down Payment Assistance
Minnesota has real down payment help — Minnesota Housing programs can put thousands toward your down payment and closing costs.
Learn more →Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Justin will show you. When it doesn’t, he’ll tell you.
Learn more →Skip the research
Describe your situation in one text. Justin will tell you which two programs to compare and why — advisor's shortcut.
💬 Ask JustinPrograms are commodities. Advice isn't.
Any lender can offer an FHA loan. What you're choosing is the judgment that structures it — and the advisor who tells you when a different program serves you better.