World-class service. No hassle closings. Expert advice. Unbeatable rates. The Ryan Mortgage Team at Fairway Independent Mortgage is comprised of mortgage experts who are there to provide you with intelligent answers in a timely manner. We are a mortgage banker based in Peachtree Corners Georgia. Our team is the #1 rated Atlanta mortgage lender according to Kudzu.com.
Tara Ryan is our lead Mortgage Consultant. As one of the top 20 originators in Georgia in 2008 and 2009 as ranked by the Atlanta Business Chronicle, Tara is well versed in every conceivable mortgage lending scenario. Each loan that is closed by The Ryan Mortgage Team is closely analyzed by Tara. She holds an MBA from Emory’s Goizueta Business School and an undergraduate degree in electrical engineering from Georgia Tech. As a mortgage banker with Fairway Independent, Tara is able to deliver a high level of expertise and customer service to her clients.
Richard Ryan, also an Electrical Engineering graduate of Georgia Tech, is the branch manager for Fairway Independent’s Peachtree Corners Branch. Richard is a renovation mortgage specialist and lends his expertise on all of our FHA 203k renovation mortgages. He has also developed technology which ensures that we operate at peak efficiency in an effort to keep our rates as low as possible without sacrificing customer service.
Fairway Independent Mortgage is a Mortgage Bank with an incredibly experienced staff offering expertise in all areas of mortgage lending. As a mortgage bank, Fairway Independent Mortgage controls the entire loan process from the initial application all the way through the delivery of the loan into the secondary market. This is Fairway.
We are able to ensure an accurate and faster closing process because each step occurs in-house – processing, underwriting, closing, funding, shipping and secondary marketing. Because we control the entire process, there are limited surprises for our loan officers, borrowers and banking partners.
Fairway Independent Mortgage has direct endorsement authority from the Federal National Mortgage Association (also known as “Fannie Mae”) as well as the Federal Housing Administration (also known as “FHA”).
Details to follow. Here’s is a video of what to expect.
In 2005 we had a joke in the mortgage industry that the only qualification a borrower needed was the ability to fog a mirror. It was basically true. As true as that was 8 years ago, the opposite is true today. No matter how qualified you think you are, our underwriters will find something in your file that will present a challenge. It could be issues with your assets, maybe you have a side business that loses money each year, maybe you are a victim of tax fraud and cannot close on your loan because of it (note: we have had several clients who were completely unaware that they were victims of tax fraud until we alerted them). There are 1,000 additional examples that we could go through, but the bottom line is that as soon as you determine that you want to purchase a home, get your pre-approval started. It will save you some pain and perhaps your earnest money in the long run!
This video explains how to remove mortgage insurance from your conventional Fannie Mae or Freddie Mac mortgage. It includes notes on lender paid and borrower paid mortgage insurance. You can read The Homeowners Protection Act of 1998 in its entirety.