| 1. | Knowledgeable and Experienced Staff » Fairways Mortgage's staff provides high quality lending transactions with minimal transactional trauma because of diverse experience in mortgage brokerage, real estate brokerage, and law. |
| 2. | Current Competitive Pricing » Our pricing changes daily based on the bond markets, but our investors and managed overhead allows us to always be price competitive. » High credit equals ultra-competitive pricing. Borrowers who have high credit scores typically require less transactional time. Those borrowers should benefit from this saving and our pricing can be reduced below our normally low rates. |
| 3. | Transaction Communication » Borrowers and their brokers are kept informed of the transaction's progress. Communications are via e-mail, telephone, in-person, fax, and/or mail at the principal's and broker's preference. |
| 4. | Creative Problem Solving Approach » Borrowers' needs are matched with investors' objectives to provide a win-win transaction. All loans are not appropriate for all investors, nor are all borrowers appropriate for all loan products. » Surprises cause most transactional trauma. Our approach is to provide information and resolve issues early, thereby removing surprises from the equation. |
| 5. | Quality vs. Quantity - Limiting Number of Transactions » We believe our long-term marketing efforts will be rewarded by referrals. We believe our referrals will be more numerous and with higher quality borrowers only if we carefully control the quality of our transactions. |
