Before you get started, please read this!
Take a second to read the short list of tips before starting the loan application! Trust us, it’ll save you a LOT of time!
Five Quick Tips Before Applying (this will easily save you 10 minutes!):
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1
DON’T Get Slowed Down By Questions You Don’t Have The Answers To Yet!
When you go to complete our online application, it’s going to ask you questions about the home you’re looking to purchase — things like the property address, type of loan, actual down payment, purchase price, etc. For now, just answer the questions with estimates (for property address: “1234 TBD Street” would be perfect!). Just get us the basics to get started, we can fill in the blanks later on!
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2
DO Complete A Full Two Year Work History!
It’s important that we have a full two year work history for you. If you’re not certain on the addresses or phone numbers, don’t worry — we can go through and update it later. For now, we just need to know (1) Where you worked, (2) When you worked there and (3) What you did while working there!
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3
DON’T Worry About Including Your Account Numbers
Please don’t get caught up in the details of entering account numbers for your bank accounts. We just need to know what banks you bank with and what the balances (roughly) in those accounts are. We’ll complete the other details later on in the process.
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4
DO Complete A Full Two Year Address History!
It’s important that we have a full two year history of where you’ve lived. If you’re just shy of 2 years at your current home, please add the home prior as well.
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5
DON’T Worry About Listing Off Your Monthly Expenses!
Don’t worry about listing the details of your monthly expenses on the loan application. The only exception would be things like child support or alimony. Everything else is handled with the rest of the application process. No need to spend a lot of time on this part of the application.
Now, you’re ready! Click “Get Started Now” to get started!
Again, there is no hard credit inquiry to get started!
Frequently Asked Questions:
Will a credit inquiry negatively impact my FICO score?
In this specific case, we do not do a “hard” credit inquiry — so there’s absolutely no concern about a negative impact on your credit score.
That said, if you were to get a hard inquiry, you are entitled to a 45-day period to “shop around” for a mortgage. Therefore, a “hard” inquiry should not negatively impact your credit score. Because this is an extremely popular question, the CFPB has provided guidance on the topic — see screenshot below (found by searching “mortgage credit inquiries” on the CFPB’s website at consumerfinance.gov).
Is this online application a secure connection where I can confidently share my personal information?
Your privacy is our priority. Our online application is an extremely secure website that we’ve designed to make the process as easy and secure as possible. Below is a screenshot of what you should see in your URL when you click through to the application.
Am I able to save my progress in the application and come back to it later on?
Absolutely. If you get stuck on a question or you need to leave and come back later, you can always save the application and then re-access it later on. Below is a screenshot of what you’ll see at the bottom of each page of our online application.
How long does this loan application take to complete?
We’ve found that if you follow the tips listed above, our online application takes right around 10 minutes to complete — depending on how extensive your employment/living history is.
What happens after I complete this online application?
A member from our team will contact you to schedule a follow-up phone call to discuss the details of your loan application. In that call, we’ll talk through your goals and help you find the most suitable financing solution! Once completing the application, you’ll get a summary email of exactly what to expect!
I just want a rate quote, why do I need to complete a loan application?
This is a great question. Any time a financial institution quotes an interest rate without collecting information from you about your financial situation, they’re wasting your time. Most people find it hard to believe but there are over 27 different factors that go into a custom (and accurate) rate quote — including FICO Score, employment type, property type, purpose of loan, etc. With this online application, we can be accurate and give you the answers you’re looking for with the accuracy you deserve!
Okay, that answers my question! I’m ready to get started!
What Clients Are Saying:
“I like the fact that the team would send us updates every week which meant I could see what was being completed as the application progressed.”
“Tyler and his team are amazing. He’s always been easily accessible, and very helpful! I cannot recommend Tyler enough, he really cares about his customers and making sure they’re best informed to make decisions that work for them.”
“He is friendly, professional and knowledgeable, but above all else, he is trustworthy. The whole mortgage process was a breeze from start to close. I wouldn’t dream of going anywhere else for my mortgage needs.”
“After working with Tyler, it’s easy to see why he has been successful. He’s a person of extremely high character and integrity who takes his business very personally. I recommend him every opportunity I get.”
“My husband and I have used the Tyler Osby Team twice — once to do a refi and once to do a purchase. They are so easy to work with. I would work with them again without hesitation!”
“They are a very knowledgeable, trustworthy and honest company to work with and were always available to answer any questions we had in a prompt manner. We highly recommend their service!”
Ready to accomplish your goals?
A Reminder of What to Expect From The Tyler Osby Team
Apply Online
Take about 10 minutes to complete our online application and we’ll have all of the pertinent information we need!
No Obligation Consultation
Once we receive your loan application, we’ll schedule a one-on-one phone consultation to discuss the loan options you qualify for!
Pre-Qualification* Letter
We’ll crunch the numbers, and if they add up we’ll get you our pre-qualification letter.
There is no hard credit inquiry to get started!
Don’t forget, you get all of this with your *pre-approval!
Home Loan Report!
Get a custom home loan report, designed specifically for you!
Get a Copy of Your FICO Score!
As a part of your pre-qualification, we’ll get you your FICO score (not a full report, as we’re unable to provide it).
Are you ready for your complimentary consultation?
Still not convinced? Here’s some more feedback from past clients!
“We live all the way out in California, but Tyler and his team kept us informed and worked with us so we could get papers signed remotely. It was great to know that even far away, we had Tyler’s team making sure everything went smoothly!”
“The level of customer service by the Tyler Osby Team is far superior to any I have encountered. The team is knowledgeable, professional, and set to continue serving clients for decades to come. I would rate them a 6 out of 5 stars!”
“The sellers countered to move our closing date up — meaning Tyler had to close in less than 30 days. Tyler and his team met the deadline no problem! We received weekly updates and they were wonderful to work with.”
“Every interaction with Tyler and his team has been educational and financially helpful. I’ve purchased my first home and refinanced more than once. Anytime I have a question, I know I’ll have a helpful response in no time.”
“Tyler emailed a weekly checklist to us, to his staff, and to our realtor so everyone was on the same page until closing day. Working with them eliminated stress. Customer service is so important to me — I highly recommend!”
“Tyler and his team made our refinance experience smooth and efficient. He went out of his way to keep us informed and helped us understand our options every step of the way.”
“He even told me it would make more sense financially to stay with our current lender for our new house. He puts his clients’ best interest first even though he might not get the business.”
Okay, let’s do this!
Individual Licensing Information
Tyler Eugene OsbyBranch Manager
NMLS #8668
2400 86th Street, Suite 29
Urbandale, IA 50322
(515) 257-6729
tylero@fairwaymc.com
*Pre-approval is based on a preliminary review of credit information provided to Fairway Independent Mortgage Corporation which has not been reviewed by Underwriting. Final loan approval is subject to a full Underwriting review of support documentation including, but not limited to, applicants’ creditworthiness, assets, income information, and a satisfactory appraisal.
Company Licensing Information
Fairway Independent Mortgage CorporationNMLS Entity ID #2289
4801 North Biltmore Lane
Madison, WI 53718
(866) 912-4800
Complaints: (877) 699-0353 or customerservice@fairwaymc.com
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