Funding Date vs Closing Date: When Do I Get the Keys to My House?
Understanding the difference between your funding date vs closing date can keep your home purchase on track.
Mortgage lending powered by local experts
Fairway Home Mortgage combines national lending strength with local loan officers who help you understand your options from application through closing.
Statistics
30+ years in business
Helping borrowers since 1996
Over 1,500,000 families served
First-time buyers to fifth homes
500+ branches nationwide
Local loan officers serving communities
Mortgage options for every stage of homeownership
From buying your first home to refinancing your current one, Fairway offers mortgage options designed to support different goals and stages of homeownership.
What Happens After You Make an Offer on a House? 7 Steps Before You Get to Closing
7 things that happen after you make an offer to buy a home, in the order they happen.
How To Make a Cash Offer on a House — Even When You Don't Have Cash
Knowing how to make a cash offer on a house could be the difference between winning a bid and starting over. Here are your options.
Funding Date vs Closing Date: When Do I Get the Keys to My House?
Understanding the difference between your funding date vs closing date can keep your home purchase on track.
What Happens After You Make an Offer on a House? 7 Steps Before You Get to Closing
7 things that happen after you make an offer to buy a home, in the order they happen.
How To Make a Cash Offer on a House — Even When You Don't Have Cash
Knowing how to make a cash offer on a house could be the difference between winning a bid and starting over. Here are your options.
Funding Date vs Closing Date: When Do I Get the Keys to My House?
Understanding the difference between your funding date vs closing date can keep your home purchase on track.
What Happens After You Make an Offer on a House? 7 Steps Before You Get to Closing
7 things that happen after you make an offer to buy a home, in the order they happen.
How To Make a Cash Offer on a House — Even When You Don't Have Cash
Knowing how to make a cash offer on a house could be the difference between winning a bid and starting over. Here are your options.
Funding Date vs Closing Date: When Do I Get the Keys to My House?
Understanding the difference between your funding date vs closing date can keep your home purchase on track.
What Happens After You Make an Offer on a House? 7 Steps Before You Get to Closing
7 things that happen after you make an offer to buy a home, in the order they happen.
How To Make a Cash Offer on a House — Even When You Don't Have Cash
Knowing how to make a cash offer on a house could be the difference between winning a bid and starting over. Here are your options.
Funding Date vs Closing Date: When Do I Get the Keys to My House?
Understanding the difference between your funding date vs closing date can keep your home purchase on track.
What Happens After You Make an Offer on a House? 7 Steps Before You Get to Closing
7 things that happen after you make an offer to buy a home, in the order they happen.
How To Make a Cash Offer on a House — Even When You Don't Have Cash
Knowing how to make a cash offer on a house could be the difference between winning a bid and starting over. Here are your options.
Funding Date vs Closing Date: When Do I Get the Keys to My House?
Understanding the difference between your funding date vs closing date can keep your home purchase on track.
What Happens After You Make an Offer on a House? 7 Steps Before You Get to Closing
7 things that happen after you make an offer to buy a home, in the order they happen.
How To Make a Cash Offer on a House — Even When You Don't Have Cash
Knowing how to make a cash offer on a house could be the difference between winning a bid and starting over. Here are your options.
Tools & Calculators
Use our mortgage calculators to estimate payments, compare options, and make a more informed decision before your next move.
CULTURE AND PEOPLE
More than a mortgage company...
Fairway was built on more than mortgages. We’re a company of people who believe homeownership can change lives, and that care should show up in every conversation, every closing, and every community we serve.
That’s why our work goes beyond helping borrowers find the right home loan. Through programs like the American Warrior Initiative and Fairway Cares, our teams support our communities and neighbors when it matters most.
USA Today Top Workplace - 6 years running
Every team member is guided by our core values, which define how we best serve our customers, team members and local communities.
American Warrior Initiative (AWI) is a nonprofit whose mission is to educate, encourage, and inspire Americans to give back to our military.
Supported by Fairway’s nationwide employee network, Fairway Cares is a nonprofit bringing hope to people facing critical illness, loss, or trauma.
Find your local loan officer
Every home loan has a local story. Search by city, state, or name to connect with a Fairway loan officer who understands your market and can help guide your next step.
Mortgage questions? We’re here to help
Whether you’re exploring your options, already have a loan with Fairway, or need help finding the right place to go, connect with a loan officer to point you in the right direction.
Loan Servicing
Hours of Operation:
Monday–Friday | 8:30 a.m. – 5:00 p.m. Central
Disaster Relief Hotline
It may be helpful to compare both standard and bank statement loan options. Your Fairway loan officer can review how you earn income, evaluate your financial profile and help identify the financing option that may best fit your needs.
Yes. Bank statement loans are generally categorized as non-qualified mortgages, or non-QM loans.
Not necessarily. Some bank statement loan programs may allow eligible borrowers to qualify without using tax returns to document income. Other documentation may still be required, depending on the program and your financial situation.
Credit requirements vary by loan program and may also depend on factors such as the property, down payment, available reserves, and your overall financial profile.
A standard mortgage typically verifies income using documents such as pay stubs, W-2s, and tax returns. A bank statement loan may use eligible deposits shown on your personal or business bank statements to help calculate qualifying income.
Ready to start your mortgage journey?
Get pre-approved or connect with a local Fairway loan officer who can help you understand your options, your numbers, and what comes next.
