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WHAT MAKES FAIRWAY MORTGAGE &
RALPH ALMODOVAR DIFFERENT?

Ralph Almodovar has achieved the "Top 1% Producer" title in the United States by Scotsman Guide in 2020 and 2021. Fairway Independent Mortgage Company know that financing a home is one of the biggest commitments you will ever make - let us help guide you throughout the entire loan process from application to closing and beyond. Whether you’re looking to buy, build or refinance your home, our experienced mortgage professionals are here to help.

Here at Fairway Independent Mortgage Corporation, we offer a variety of loan options that can help you achieve homeownership with the speed and service you deserve. Plus, our mortgage professionals are dedicated to finding the right loan with great rates, terms and costs to meet your specific needs.

I am Ralph Almodovar and I look forward to putting our mortgage service to work for you!

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I WILL BE HERE FOR YOU FROM START TO CLOSE.

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AN ALL-STAR PROCESSING & SUPPORT TEAM

FREE MORTGAGE RESOURCES

Please Subscribe to My Channel on YouTube. I am always sharing FREE RESOURCES for you to learn about the Mortgage Industry, How to Get a Mortgage, & Valuable Post-Close Information.

Ralph Almodovar

Ralph Almodovar

Ralph Almodovar

Ralph Almodovar - Mortgage Advisor

Ralph Almodovar - Mortgage Advisor

01:03

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SERVICE

As a Fairway Loan Originator I have a vested interest in helping you buy a home. I will help you find the best loan at the best rate possible and take

excellent care of you.

After all, you are entrusting me to assist you in one of the largest financial transactions of your life and I respect and appreciate your confidence me.

INTEGRITY

You will find me and my processing team to be honest and respectful of your time, and willing to help in any way possible.

I will take the time to unearth all of the information. I will prove to the banks that credit scores are more than numbers - they are the sum of the challenges we all face.

ACCURACY

My team promises to close your loan on time with complete accuracy and answer any questions that you may have. The best, most accurate operations team in the business supports each loan officer, including me.

We will ensure that all documents are complete and turn in your paperwork early so that there is no last-minute pressure on you.

RELIABILITY

My Teams reputation in the mortgage industry for being reliable is unmatched.

Once you finance a loan through Fairway, I am confident that you will be a customer for life.

THE TYPES OF FAIRWAY LOANS

Private Property

FIXED-RATE MORTGAGE

RATE: FIXED

Interest Rate and monthly payments remain the same for the entire term of the loan. Protection against rising interest rates.

BEST IF YOU: Plan on staying in your home for an extended period of time.

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ADJUSTABLE-RATE MORTGAGE (ARM)

RATE: ADJUSTABLE

Homeowner could potentially lower their monthly payments with the lowered interest rates. Initial interest rate is fixed typically for 3-10 years.

BEST IF YOU: Plan on selling or refinancing within a few years.

Luxury Home

CONVENTIONAL MORTGAGE

RATE: FIXED OR ADJUSTABLE

Lower interest rates. Fewer penalties and fees. Second home purchase options.

BEST IF YOU: Have good credit and a larger down payment to possibly receive lower rates with more flexible terms.

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JUMBO MORTGAGE

RATE: FIXED OR ADJUSTABLE

Purchase a more expensive property. Variety of terms available. Jumbo Mortgages are BACK!

BEST IF YOU: Purchase a property above the conforming loan limits. $647,200 in most areas.

Cozy Living Room

FHA LOAN

RATE: FIXED OR ADJUSTABLE

Low down payment options. Flexible income and credit requirements.

BEST IF YOU: Are a first-time homebuyer or have a limited amount of funds for a down payment.

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VA LOAN (VETERANS)

RATE: FIXED OR ADJUSTABLE

Low to no down payment. Low income and credit requirements. No mortgage insurance.

BEST IF YOU: Are active-duty military, a veteran or military spouse.

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RENOVATION MORTGAGE

RATE: FIXED OR ADJUSTABLE

Rolls the cost of upgrades and a home purchase or refinance into one loan

BEST IF YOU: Own or want to purchase a home that needs repairs or renovations.

Homeowners

REFINANCE

RATE: FIXED OR ADJUSTABLE

May be able to refinance to a lower interest rate. Consolidate debt. Turn your home equity into cash.*

BEST IF YOU: Already own a home and want to restructure your mortgage fit your current financial situation.

Old Friends

REVERSE MORTGAGE

RATE: FIXED OR ADJUSTABLE

Withdraw a portion of your home’s equity. Paying monthly mortgage payment is optional (must continue paying taxes, insurance & maintenance payments) Purchase a home that better suits your needs.

BEST IF YOU: Are 62 or better and want to turn your home equity into tax-free** cash without having to make monthly mortgage payments. (must continue to pay taxes and insurance and maintain the home)

HOW DOES IT WORK?

01

COMPLETE A
ONE-MINUTE QUESTIONNAIRE

02

A LICENSED ADVISOR
WILL BE
IN TOUCH

03

WE'LL GUIDE YOU THROUGH THE
LOAN PROCESS

04

BECOME
A
HOMEOWNER

APPLY ONLINE NOW

Let's Crush this Homeownership Thing.

*Appraised property value may affect loan amount.

**The cash from equity is usually tax free. This information does not constitute tax advice or financial planning advice. Please consult a tax advisor for tax advice and a financial planner regarding enhancements to retirement plans. Fairway is not affiliated with any government agencies. These materials are not from HUD or FHA and were not approved by HUD or a government agency. Reverse mortgage borrowers are required to obtain an eligibility certificate by receiving counseling sessions with a HUD-approved agency. Must be at least 62 years old. Loan proceeds are not considered income and will not affect Social Security or Medicare benefits. Your monthly reverse mortgage advances may affect your eligibility for some other programs. Consult a local program office or your attorney to determine how, or if, monthly reverse mortgage payments might affect your specific situation. At the conclusion of the term of the reverse mortgage loan contract, some or all of the equity in the property that is the subject of the reverse mortgage no longer belongs to you and you may need to sell or transfer the property to repay the proceeds of the reverse mortgage with interest from your assets. We will charge an origination fee, a mortgage insurance premium, closing costs or servicing fees for the reverse mortgage, all or any of which we will add to the balance of the reverse mortgage loan. The balance of the reverse mortgage loan grows over time and interest will be charged on the outstanding loan balance. You retain title to the property that is the subject of the reverse mortgage until you sell or transfer the property and you are therefore responsible for paying property taxes, insurance, and maintenance. Failing to pay these amounts may cause the reverse mortgage loan to become due immediately. Interest on reverse mortgage is not deductible to your income tax return until you repay all or part of the reverse mortgage loan.

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