The fine print, unhidden

Disclosures & licensing

Who operates this website

This website is published on behalf of Eddie Galindo, Branch Manager and Mortgage Loan Officer, NMLS #444386 (verify via NMLS Consumer Access), of Fairway Independent Mortgage Corporation (dba Fairway Home Mortgage), NMLS #2289 (verify via NMLS Consumer Access), 4750 S. Biltmore Lane, Madison, WI 53718, 1-866-912-4800. Eddie is based at the Elgin, IL branch (#721-60120-238), 721 Dundee Avenue, Elgin, IL 60120, and is licensed to originate mortgage loans in Illinois, Indiana, Wisconsin, Florida & Texas. State license numbers: IL #031.0034495, IN #36697, WI #444386, FL #LO45687, TX (NMLS #444386).

Not a commitment to lend

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Fairway Independent Mortgage Corporation is not affiliated with, or acting on behalf of or at the direction of, FHA, VA, USDA, or any government agency. Equal Housing Opportunity. For complete state licensing information and legal disclosures, visit Fairway’s Legal Disclosures page the Illinois Community Reinvestment Notice, and the Texas Consumer Complaint and Recovery Fund Notice.

Calculator, sample figures & educational content

Calculator results are estimates for illustrative and educational purposes only, are not a quote, rate lock, pre-qualification or pre-approval, and accuracy is not guaranteed. Actual rates, payments, taxes, insurance and mortgage insurance vary by scenario. Contact Eddie for figures specific to your situation.

The animated conversation on the homepage and the sample payments shown there are hypothetical illustrations using stated sample assumptions (a sample interest rate, a 30-year fixed term, an assumed property tax rate and insurance cost). They are not an offer, quote, or advertisement of available terms, and the sample rate is not a rate offered by Fairway. Your actual rate, APR, payment, taxes, insurance and mortgage insurance will differ.

All educational content on this site is general in nature and provided for informational purposes only. It is not financial, legal, or tax advice, and it does not consider your individual circumstances. Program guidelines, loan limits, income limits, and eligibility criteria change frequently; always confirm current requirements with Eddie directly. Down payment assistance programs (including IHDA programs) are subject to income, purchase-price and other eligibility limits, and are not available to all buyers.

Language

Spanish-language content on this site is provided for convenience. Loan documents, disclosures, and applications are provided in English through Fairway’s systems; Eddie is happy to explain any of them in Spanish. In case of any discrepancy between the Spanish and English content on this site, the English content controls.

Privacy

This website does not collect, store, or transmit personal information. It contains no contact forms, no analytics trackers, no advertising pixels, and no cookies set by this site. Links to apply or upload documents route to Fairway Independent Mortgage Corporation’s secure systems, which are governed by Fairway’s privacy policy. Third-party sites linked from this site (including review platforms and social networks) maintain their own privacy practices.

Reviews

Review highlights displayed on this site are shortened paraphrases of verified client reviews. Complete original reviews are available on Zillow, Google, Fairway.com via the links on the reviews page. Testimonials reflect individual experiences; results vary and are not guaranteed. No reviewer was compensated.