Loan programs
The right loan depends on you — not the ad you saw.
Every program below has a plain-English guide: who it's for, how it works, and the honest tradeoffs. Or skip the reading and just ask Megan which ones fit.
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Read the guide →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Read the guide →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Read the guide →USDA Loans
$0 down for homes in eligible smaller communities — many Twin Cities exurbs qualify, and most buyers have no idea.
Read the guide →Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Read the guide →Down Payment Assistance
Illinois has real down payment help — IHDA programs can put thousands toward your down payment and closing costs.
Read the guide →Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Megan will show you. When it doesn’t, he’ll tell you.
Read the guide →Shortcut: ask Megan
Text her your situation — income, savings, goals — and she'll tell you which two or three programs actually make sense to compare.
💬 Text 708-904-1414Fairway Independent Mortgage Corporation is not affiliated with, or acting on behalf of or at the direction of, FHA, VA, USDA, or any government agency.
Programs are tools. Megan's the guide.
The best program is the one that fits your life — and finding it takes one conversation, not twelve tabs of research.