Experience and Integrity

Fairway Mortgage Services has been in business since 1985 and is longest active mortgage broker in New York State.  We have helped over 7000 home owners purchase or refinance their homes with getting them into the best mortgage program and guiding and educating them though the process.   As Mortgage Brokers, Fairway Mortgage Services and its loan officers are licensed by the NMLS (Nationwide Mortgage Licensing System) and must undergo testing, continuing education and background checks.   Your mortgage loan will play a major factor in the future of your financial health.   It deserves to be handled by trained professionals who will treat the situation with respect and dedication. 

Personal Service

At Fairway Mortgage Services, there’s no getting transferred from one department to another.  You get to work and speak with a REAL person.  We believe that part of offering truly personal service includes working around your schedule and dealing with your concerns in a professional, thorough manner. We never leave you in the dark concerning your mortgage loan application. We advise and guide you throughout the entire process, step by step.  We'll even be at the closing with you.  And if you have questions after your closing down the road, we are there for you too!

Flexibility

At Fairway Mortgage Services, we don’t keep banker’s hours!   We know that your schedule during the week depends greatly on the type of job you have and the responsibilities you must uphold. Why should you take time off during lunch or during your workday to speak to someone who is supposed to be there to serve you?  Whether you need to speak to us at 7am Monday morning or a Sunday evening at 7pm, we’re here to address your concerns.

We’re also more than happy to make reasonable arrangements with you regarding a meeting location to discuss your financial situation face to face; whether it be in our office, the local diner or Starbucks, or your own home.  Depending on your preferences or the services you require, it may not even be necessary for you to meet with us in person at all.  It’s entirely up to you how and when we do business together.

The Most Competitive Interest Rates and Lowest Costs

Fairway Mortgage Services can offer some of the most competitive rates because we work directly with the some of the same major banks that you would go to  and get a ‘wholesale rate’ that is lower than the rate you would get working with the bank yourself. This is because the bank has lower acquisition costs if they allow us to originate the loan for them. When we package the loan, the bank has paid us no salary and has spent nothing on associated supplies or office related charges. In exchange for this reduction in their own costs, they offer us lower rates that you cannot get from them directly.   Furthermore, at Fairway Mortgage Services, we never charge an application fee or a fee to lock in your rate.  Third party fees are high enough in New York without having to be nickeled and dimed with bank fees.

Sincerely,

Jim Gallagher

President