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!
I WILL BE HERE FOR YOU FROM START TO CLOSE.
AN ALL-STAR PROCESSING & SUPPORT TEAM
FREE MORTGAGE RESOURCES
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Ralph Almodovar - Mortgage Advisor
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.
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.
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.
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
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.