Getting pre-approved is one of the first steps in the homebuying process. Our team reviews things like your income, assets, credit, and debts to determine how much home you may qualify for before you start shopping! A pre-approval is based on a preliminary review and is not a guarantee of final loan approval.

Many borrowers can receive a pre-approval within a short timeframe once all required documents are provided. The quicker the borrower responds to the requests, the quicker the process moves.

This can vary depending on your situation, but common documents include pay stubs, W-2s, tax returns, bank statements, and identification.

Affordability depends on a number of factors, but once we have all your information and documentation, we can get this question answered for you.

Every transaction is unique, but most mortgage loans follow a process that includes application, processing, underwriting, and closing. We work closely with you to keep the process moving as smoothly as possible.

We offer a variety of mortgage solutions including Conventional, FHA, VA, USDA, Jumbo, Refinance, and other specialized loan programs. Our goal is to help match you with a loan that fits your financial goals and needs.

Both loan types can help you purchase a home, but they have different qualification requirements and benefits. Your Loan Officer can explain the differences and help determine which option may be the best fit for your situation.

Credit requirements vary depending on the loan program. Many buyers are surprised to learn they may qualify for a mortgage sooner than they expected. The best way to find out is to speak with a Loan Officer and review your options.

Many self-employed individuals successfully qualify for mortgage financing. The mortgage process for self-employed borrowers may require additional documentation, but there are often loan options available. Our team can help you understand what's needed and guide you through the process.

Refinancing may make sense if you're looking to lower your interest rate, reduce your payment, shorten your loan term, or access equity in your home. Because every homeowner's situation is unique, our team can help you evaluate whether refinancing aligns with your financial goals.

In many cases, yes. If your home's value has increased, refinancing may provide additional options that were not previously available. A higher home value could potentially impact your available equity and overall loan structure. Our Loan Officers can review your situation and discuss the options available to you.

The timeline for refinancing varies depending on your loan type, current mortgage, and individual circumstances. Whether you've recently purchased a home or have owned it for several years, our team can help determine when refinancing may be a viable option.

There isn't a specific income requirement to buy a home in North Carolina. The amount of income needed depends on several factors, including the home's purchase price, your down payment, existing debts, credit profile, and loan program. Our Loan Officers can help you determine a comfortable home-buying budget based on your financial situation.

Yes, many homebuyers are surprised to learn that a 20% down payment is not required to purchase a home. Depending on the loan program and your qualifications, there may be options available that allow for lower down payments. We can help you explore the mortgage solutions that best fit your needs.

Fairway of the Triangle proudly serves homebuyers and homeowners throughout the Triangle and surrounding communities. With offices in Clayton, Raleigh, Wake Forest, and Graham, our team assists clients across North Carolina with their home financing needs.

We regularly work with borrowers throughout Johnston, Wake, Alamance, Durham, Orange, and surrounding counties, including communities such as Garner, Cary, Apex, Holly Springs, Chapel Hill, Burlington, and beyond. Whether you're buying your first home, purchasing your next home, or exploring refinancing options, we're here to help.