Loan programs
The right loan is the one that fits your life, not the one that fits a sales goal.
Seven programs, each with its own plain-English page: who it’s for, what it costs, and the questions people actually ask. No rates quoted here — those come from a real conversation about your file.
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Read the plain-English pageFHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Read the plain-English pageVA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Read the plain-English pageUSDA Loans
$0 down for homes in eligible smaller communities — many Twin Cities exurbs qualify, and most buyers have no idea.
Read the plain-English pageJumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Read the plain-English pageDown Payment Assistance
Minnesota has real down payment help — Minnesota Housing programs can put thousands toward your down payment and closing costs.
Read the plain-English pageRefinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Oliver will show you. When it doesn’t, he’ll tell you.
Read the plain-English pageNot sure which one?
Most people aren’t, and nobody should have to be. Two sentences about your situation is enough for Oliver to tell you where to start.
Text OliverFairway Independent Mortgage Corporation is not affiliated with, or acting on behalf of or at the direction of, FHA, VA, USDA, or any government agency. Program availability, limits and eligibility change; every page is general education, not a commitment to lend.
How Oliver picks
Cheapest over the years you’ll actually own it
The lowest payment this month and the lowest cost over five years are often different loans. Oliver runs both — the monthly and the real total with mortgage insurance, fees and how long you plan to stay — and shows you the comparison before you pick.
Ready when you are. No pressure, no pitch.
Text Oliver the question you actually have. You’ll get a straight answer from the person who’ll be on your file — and if the honest answer is “not yet,” you’ll hear that too.