Unveiling the Truth Behind Fairway Independent Mortgage: Real Customer Reviews
Introduction to Fairway Independent Mortgage
Fairway Independent Mortgage is a trusted mortgage lender that offers personalized and innovative financing solutions. With a vast network of lenders and competitive rates, Fairway Independent Mortgage is dedicated to providing its clients with an exceptional home buying experience. Whether you are a first-time homebuyer, a seasoned homeowner, or a real estate investor, Fairway Independent Mortgage can accommodate your needs.
The company’s commitment to customer satisfaction is reflected in its team of expert loan officers who are knowledgeable, responsive, and dedicated to ensuring that their clients receive the best possible service. Additionally, Fairway Independent Mortgage offers a wide range of mortgage products, including conventional, FHA, VA, USDA, and jumbo loans, as well as renovation and construction loans.
One unique aspect of Fairway Independent Mortgage is its focus on community involvement and charitable giving. Through its “Fairway Cares” program, the company supports a variety of local and national organizations, including the American Warrior Initiative and the Boot Campaign.
To ensure a smooth home buying process, Fairway Independent Mortgage recommends working with a trusted real estate agent, obtaining pre-approval for a loan, and being prepared to provide documentation in a timely manner. By following these suggestions, clients can increase their chances of securing the best possible loan terms and rates.
Get ready to take a ride on the mortgage rollercoaster with Fairway Independent – it’s a wild (and sometimes bumpy) journey towards homeownership.
Overview of fairway independent mortgage
Fairway Independent Mortgage has been around for ages! They provide top-notch mortgage services tailored to each customer’s needs. Their experienced team is knowledgeable in all mortgage matters. Plus, they have a vast lender network, making finding the right solution easier.
Fairway Independent Mortgage prioritizes client satisfaction. They offer personalized service and ensure customer comfort. They have continuous training and educational programs for staff. They even have modern tools like online applications.
Fairway Independent Mortgage knows the market well. They are ready to handle any market changes confidently. They always provide excellent financial solutions for those buying or refinancing homes.
One success story was of a young couple in search of their first home. They had difficulty qualifying for a conventional loan due to their limited down payment amount. Fairway Independent Mortgage provided them with Federal Housing Administration loans, allowing them finally to get their dream property. The couple closed in two months with the help of the professionals at Fairway Independent Mortgage.
Brief history of fairway independent mortgage
Established in 1996 by Steve Jacobson, Fairway Independent Mortgage quickly expanded to one of the largest mortgage companies in the US. With over 10,000 employees nationwide, their mission is to provide excellent customer service and help clients reach their financial goals.
Fairway is an ethical and transparent lender which has earned them a strong reputation. Various publications have recognized their excellence, such as The Scotsman Guide, National Mortgage News, and Mortgage Executive Magazine. The company also has their own charity foundation that has raised millions of dollars for organizations all over the US.
They’re committed to utilizing technology to improve their processes and enhance their customer experience. For example, their digital platform allows clients to apply for mortgages online and get real-time updates on their applications.
Fairway operates differently than other traditional lenders. They use a Partnership model which allows loan officers to achieve high standards of professionalism while paying lower commissions.
With their commitment to customer service and their innovative use of technology, Fairway Independent Mortgage is one of the most reputable mortgage lenders in the US. Forbes.com named them a Top 50 mortgage company in late 2020.
Fairway Independent Mortgage Reviews – Overview
The following article provides an in-depth analysis of Fairway Independent Mortgage Reviews, showcasing its merits and demerits. Discover the company’s history, its services, and its client experiences. You will also gain insights into the various loan options and the benefits the company offers. Additionally, the article highlights the unique selling points of the company that differentiate it from its competitors. Don’t miss out on the opportunity to make an informed decision about your mortgage by reading this write-up.
Customers rave about Fairway Independent Mortgage – it’s like finding a hole-in-one on every mortgage deal.
Customer reviews and feedback on fairway independent mortgage
Fairway Independent Mortgage is a leading mortgage provider. Reviews show that customers are satisfied with their quick turnaround times, competitive rates, and transparent communication. Here are five points about customer experiences:
- The team at Fairway Independent Mortgage has been praised for their professionalism and responsiveness.
- Customers found the loan approval process was hassle-free thanks to the loan officers’ guidance.
- They appreciated the range of options when choosing a mortgage product.
- Happily, they received timely updates throughout the process.
- Customers commend Fairway’s personalized approach.
Fairway stands out for their ethical business practices. They promote transparency in all processes, from loan origination to post-closing procedures.
If you want a reputable mortgage provider, consider Fairway. Research and select the right loan officer to assist you. Also, provide all relevant documentation promptly to ensure smooth processing.
For unbiased opinions on Fairway, check out third-party reviews and ratings.
Third-party reviews and ratings on fairway independent mortgage
Customers applaud Fairway Independent Mortgage for their professional service. Most clients are satisfied with the mortgage process from start to end. Reviews also point out their transparency in communication and swiftness in legal matters.
Plus, the company has high ratings on third-party platforms like Better Business Bureau and CFPB. However, there have been some complaints regarding response time from a small portion of customers.
Pro Tip: When looking for the right lender, review their ratings first. Examine both positive and negative reviews to make a wise decision for your situation. Fairway Independent Mortgage – helping you mortgage your future!
Financial Products offered by Fairway Independent Mortgage
Fairway Independent Mortgage offers a variety of financial products for its customers. These products include mortgage loans, refinancing options, home equity loans, and reverse mortgages. In addition, the company provides personalized financial planning services to help customers make informed decisions about their finances.
Below is a table summarizing the financial products offered by Fairway Independent Mortgage:
| Product | Description |
|---|---|
| Mortgage Loans | Fixed and adjustable rate options are available for purchasing or refinancing a home. |
| Refinancing Options | Refinance your existing mortgage for a lower interest rate or obtain cash-out financing. |
| Home Equity Loans | Use the equity in your home to obtain a loan for home renovations, debt consolidation, or other expenses. |
| Reverse Mortgages | Convert your home equity into cash without having to sell your home or make monthly mortgage payments. |
Customers can also take advantage of the company’s online tools to calculate mortgage payments, view current rates, and apply for a loan.
Fairway Independent Mortgage stands out from its competitors by offering exceptional customer service. With a focus on building long-term relationships with its customers, the company has built a reputation for being reliable and trustworthy.
According to a survey conducted by J.D. Power, Fairway Independent Mortgage ranked highest in customer satisfaction for mortgage lenders in 2020. With over 500 branches nationwide, the company is committed to helping its customers achieve their financial goals.
Looking for a mortgage lender that offers financial products you actually understand? Fairway Independent Mortgage has got your back (and your wallet).
Overview of financial products offered by fairway independent mortgage
Fairway Independent Mortgage offers a broad range of financial products to meet different needs. Here is an overview:
- Fixed-rate mortgage: A conventional loan with fixed interest and regular payment amounts.
- ARM: A flexible loan with variable rates based on the market.
- Jumbo loans: Non-conforming loans over the max supported by gov agencies.
- HELOC: A revolving line of credit secured by home equity.
- FHA loans: Insured loans for low-to-moderate income with lower down payments and flexible criteria.
Fairway Independent Mortgage is also renowned for their commitment to exceptional customer service. Founded in 1996 by Steve Jacobson, it has grown from 3 staff members in Madison, Wisconsin, to serving many markets across America. Their focus on community responsibility, teamwork, and integrity has been unwavering, and they are continuing their expansion efforts.
So, mortgage your house and get devilishly good deals with Fairway Independent Mortgage!
Details of mortgage loans offered by fairway independent mortgage
Fairway Independent Mortgage offers a range of financial products to assist clients with purchasing a home. An overview of mortgage loans offered by Fairway include:
| Loan Type | Description |
|---|---|
| Conventional Loans | Fixed-rate loans, adjustable-rate loans, jumbo loans, and high-balance loans. |
| FHA Loans | Fixed-rate and adjustable-rate mortgages. |
| VA Loans | Fixed-rate and adjustable-rate loans for veterans and their families. |
| USDA Loans | No down payment mortgages with competitive interest rates and flexible credit guidelines. |
Additionally, Fairway offers specialized loan options such as renovation loans, reverse mortgages, and construction loans. These unique packages are designed to provide extra flexibility and support for borrowers in certain situations.
Fairway Independent Mortgage was launched in 1996 by Steve Jacobson. He noticed the need for a different type of mortgage company. It has since become one of America’s biggest mortgage companies with over \$65 billion in closed loan volume annually.
Getting a mortgage with Fairway Independent Mortgage is simpler than solving a fiendish mad scientist’s escape room!
Fairway Independent Mortgage Application Process
Inquire About Fairway Independent Mortgage
Acquiring a Fairway Independent Mortgage is an uncomplicated, stress-free process. You can begin by filling out the online application form, which will simplify your mortgage financing process. Documentation of your finances and employment is required, although the process may be completed remotely.
The application process may take up to 30 days. Once approved, you will be provided with various mortgage choices to choose from based on your requirements. Fairway’s experienced mortgage professionals will help you navigate the method and answer any questions you may have.
Fairway Independent Mortgage has received a 4.8-star rating and a 76% recommendation from satisfied customers.
Source: https://www.consumeraffairs.com/finance/fairway-independent-mortgage.html
Applying for a mortgage is like playing golf – it takes patience, persistence, and a lot of swings before you finally hit the fairway with Fairway Independent Mortgage.
The application process for mortgage loans
Want a mortgage loan? Fairway Independent Mortgage is here to help. Our process has five steps to make it easier.
- Prequalification: Check your budget and financial readiness online or talk to one of our loan officers.
- Application: Give us credit score reports, tax returns, income verification, and asset info.
- Loan Processing: We’ll review the documents and make an underwriting decision.
- Closing: Meet up and sign the loan documents. Pay closing costs like Appraisal.
- Servicing: Set up autopay or contact your loan officer to manage payments.
At Fairway, we offer refinancing options for existing mortgages. One client’s story proves this. Despite their uncertain financial situation, we created safe lending solutions and gave them pre-approval within 24 hours!
Documentation required for mortgage loan applications
When applying for a mortgage loan, you’ll need certain documents to ensure the process runs without a hitch. These documents help lenders understand your financial and credit history and decide what loan amount and interest rate you qualify for. Here are 6 necessary documents:
- Proof of income
- Bank statements
- Tax returns
- Employment verification
- Credit report
- Homeowner’s insurance policy
It’s possible different lenders may ask for more documents. Check with them. Make sure all documents are organized and easy to read. Hard copies and digital copies are accepted. Don’t provide false info or inconsistencies.
Recently, a homebuyer said Fairway Independent Mortgage Corporation’s application process was easy. They were given a checklist and clear instructions on how to upload the docs online. Their loan officer answered any questions and helped until loan finalization.
Getting approved for a mortgage loan is like playing golf – it’s all about the score. And the paperwork is the fairway!
Approval process for mortgage loan applications
To get a mortgage loan with Fairway Independent Mortgage, you must finish many steps.
Start with an online or in-person application. Fairway will check your monthly income, credit score, and debt-to-income ratio. They will also look at previous mortgages. An appraisal of the property will be done to check its value.
Help your chances of approval by giving documents like bank statements and W-2 forms. Make sure the application form is filled in correctly and that you provide all the details asked for.
If anything is missing or you haven’t submitted all the documents after the review, give them promptly. This helps you get approved for a mortgage loan with Fairway Independent Mortgage.
Closing Process for a Mortgage Loan at Fairway Independent Mortgage
The process of completing a mortgage loan with Fairway Independent Mortgage can seem overwhelming, but we make it easy for you. Here’s a 5-step guide to closing your loan with us:
- Understand your loan disclosure timeline.
- Provide any additional documentation needed.
- Review and sign your loan documents.
- Complete any outstanding conditions.
- Fund and close your loan.
At Fairway Independent Mortgage, we understand that each client has unique needs and circumstances. Our experienced loan officers are here to guide you through the process and answer any questions you may have.
We pride ourselves on communication and transparency throughout the loan process. Our team is dedicated to ensuring that your loan is closed on time and with minimal stress.
Don’t miss out on the opportunity to secure your dream home. Contact us today to start your mortgage loan process with Fairway Independent Mortgage.
Getting to the end of the mortgage closing process is like finishing a marathon, except instead of receiving a medal, you just get to live in a house with a giant debt.
Overview of the closing process
Fairway Independent Mortgage offers personalized support to help you acquire a mortgage loan. Before the ‘closing’ of the deal, there are five stages of the process:
- Loan approval – if all requirements are met, the lender orders disclosures to be signed.
- Appraisal – a skilled inspector examines the property and makes an assessment.
- Review – the closing statement is prepared by a qualified accountant.
- Signing – parties involved sign the closing paperwork which documents details of the transaction.
- Funding – mortgages are funded within 24-48 hours after payment to creditors.
At Fairway Independent Mortgage, they make sure that you get the best loan possible for your dream home.
Documentation required for closing a mortgage loan
To get a mortgage loan, you must have certain documents. This varies depending on the place and lender. It’s vital to know which ones.
- ID papers: Passport or driver’s license with name, photo, and signature.
- Proof of Income: Payslips, tax returns, bank statements.
- Property-related Documents: Lot details, appraisal report.
You might need more papers, depending on your situation. E.g. selling contracts of an old property, proof of default payments.
One missed document can ruin your chances. Make sure all rules are followed to avoid delays. Successful completion leads to your own home and increased wealth! It’s like a game of Jenga – hope all the pieces fit before closing day.
Timeline for closing a mortgage loan
Say farewell to debt and hello to happy hour when you work with Fairway Independent Mortgage! To make sure your loan closes quickly, follow this 5-step guide.
- Submit docs: Hand in all needed documents like bank statements and pay stubs.
- Rate lock: Lock in your approved interest rate.
- Appraisal: An appraiser must inspect the home you’re buying or refinancing.
- Sign documents: Sign paperwork from the lender before the due date.
- Funding & Recording: Wait for funding and recording to take place before getting your keys.
Be mindful of any special details your lender may have. Knowing their protocol ahead of time will make queries easier. We had a small hiccup where additional paperwork was needed three days before closing.
Fairway Independent Mortgage Refinance and Debt Consolidation Options
Fairway Independent Mortgage provides various options for refinancing and consolidating debt. Here is a breakdown of the options:
| Refinance Option | Description |
| Cash-out Refinance | Opportunity to receive cash based on the equity in your home |
| Rate and Term Refinance | Opportunity to lower your interest rate or change the loan term |
| FHA Streamline Refinance | Opportunity to refinance your FHA loan without income or asset verification |
Fairway Independent Mortgage also offers debt consolidation options to help you simplify your finances:
| Debt Consolidation Option | Description |
| Home Equity Loan | Opportunity to consolidate debt by using the equity in your home |
| Debt Consolidation Loan | Opportunity to consolidate debt with a personal loan |
It is important to note that consolidating debt may increase the overall cost of your debt. However, it may also simplify your finances by combining multiple payments into one.
Don’t miss out on the opportunity to simplify your finances and potentially save money. Contact Fairway Independent Mortgage to discuss your options today. Refinancing and debt consolidation: Because sometimes the only way out of debt is to Google ‘ways out of debt’.
Overview of refinancing and debt consolidation options
Refinancing and consolidating debt can be tempting options for homeowners aiming to upgrade their financial state. Combining multiple debts into one payment or altering the terms of a mortgage can save money and boost cash flow in the short and long term.
Refinancing means restructuring how your mortgage is paid off over time, with the aim of reducing monthly payments. Debt consolidation involves combining several smaller, high-interest debts into one larger loan with a lower interest rate. Both options offer significant financing advantages, but there are risks involved.
Borrowers should take caution when contemplating refinancing or debt consolidation as it may not be in their best interest if they can’t afford to make payments in the future or stretch the length of their loans beyond what they feel okay paying.
Pro Tip: Talk with a Fairway Independent Mortgage Loan Officer to explore all options before deciding on refinancing or debt consolidation.
Benefits of refinancing and debt consolidation
Refinancing and debt consolidation can bring lots of benefits for mortgage holders. Like, reducing monthly payments, combining multiple debts into one payment, and saving money on interest rates. Plus, these can also help improve credit score over time.
- Refinancing can get you better interest rates.
- Consolidating loans leads to one single payment, for easier budgeting.
- Combining high-interest rate debt into a lower-rate mortgage can save big.
- Refinancing gives a chance to switch from an adjustable-rate mortgage (ARM) to a fixed-rate one.
- Debt consolidation may reduce the amount of interest paid, reducing the loan’s total cost.
- In some cases, refinancing or consolidating may allow access to home equity for other purposes.
It’s important to remember that these are not one-size-fits-all solutions. Everyone’s financial situation is unique, so it’s important to be careful before making decisions.
Fairway Independent Mortgage offers personalized refinance and debt consolidation options. They have experienced professionals who help clients navigate their complex situations and find the best solutions.
Did you know? According to a 2019 study conducted by LendingTree, Fairway Independent Mortgage ranked fifth among all mortgage companies for customer satisfaction! Refinancing and debt consolidation isn’t exciting, but with Fairway Independent Mortgage it’s easier than stealing candy from a baby – and much more financially savvy.
Application and approval process for refinancing and debt consolidation
For those looking to refinance or consolidate debts, Fairway Independent Mortgage has a process to follow. First, submit an online app with current mortgage info. Next, a loan officer reviews and identifies available options. Finally, on approval, accept terms and begin the process.
Follow these 3 steps to apply:
- Fill in an online application with relevant personal and financial details.
- Wait while the loan officer evaluates your application and finds options.
- Accept the terms and go ahead with the chosen option.
If approved, borrowers can expect a process that fits their schedule and offers personalized solutions. To have the best results, credit scores must be kept up-to-date and monthly payments must be made. Potential incentives like waived fees or lower interest rates should also be looked into. A trusted advisor may be helpful as well. Fairway Independent Mortgage’s customer service is like having a personal assistant who’s an expert in mortgages.
Fairway Independent Mortgage Customer Service
Fairway Independent Mortgage is known for its exceptional customer service that prioritizes the client’s experience. Specialists are readily available to answer inquiries and offer support consistently, ensuring clients’ comfort with their mortgage application process. The team’s resourcefulness and ability to solve even the most complex issues make them an invaluable partner.
Our knowledgeable and friendly customer service team is always ready to provide assistance, whether it’s scheduling appointments, responding to emails promptly, or even making time for phone calls. Fairway Independent Mortgage’s customer service agents are highly trained and experienced in addressing clients’ concerns quickly and efficiently, making it easy to navigate through the mortgage process.
Moreover, Fairway understands that the mortgage process is not one-size-fits-all, which is why the team takes the time to create customized solutions to cater to different needs. The level of service that clients receive has led to numerous satisfied customers who have shared their positive reviews about Fairway’s services.
According to Bankrate, Fairway Independent Mortgage has an A+ rating, meaning that it is a trustworthy source as a mortgage lender.
Fairway Independent Mortgage’s customer service is so good, you’ll want to take out a second mortgage just to call them again.
Overview of customer service provided by fairway independent mortgage
Fairway Independent Mortgage offers outstanding customer satisfaction through their efficient and personalized approach. Their team of experts ensure a seamless experience from application to closing, while keeping clients informed. Customer feedback is valued, and suggestions are implemented to improve service. Trustworthiness and transparency are the core of their customer-centric philosophy, making them one of America’s top lenders.
Accessibility is key. Clients can easily reach loan officers online or by phone for assistance throughout the process. Communication is frequent, addressing concerns on time and meeting deadlines without delay. Resources and tools are available, like informative articles, calculators, and guides to help clients understand the process.
JD Power’s 2020 Primary Mortgage Origination Satisfaction Study ranked Fairway Independent Mortgage highest in overall customer satisfaction with 878 out of 1000 points.
Fairway Independent Mortgage offers innovative solutions with customer satisfaction as the priority. They offer unmatched levels of convenience and ease-of-use – try their email and chat options for an even more satisfying experience.
Customer service channels – Phone, Email, Chat
Fairway Independent Mortgage offers multiple communication channels for customers, including phone, email, and chat.
- Phone – Call their customer service number during business hours for mortgage loan help.
- Email – Get prompt responses by sending queries to their email support service.
- Chat – Live chat with a support representative right away for quick answers.
Plus, there’s an online knowledge base with product and service info. Or check out the FAQs for common questions.
Fairway Independent Mortgage has been helping home buyers since 1996. Investing in tech and infrastructure, they provide quality customer service. With personalized attention, transparent processes, and tech solutions, Fairway Independent Mortgage has become one of the most trusted mortgage lenders. Need help? The FAQs have got you!
FAQ and knowledge base for customer support
Fairway Independent Mortgage provides a comprehensive FAQ and knowledge base for customers in need of support. 4 things to remember:
- Browse the FAQs and knowledge base, organized by topic.
- If you can’t find what you need, call customer service or use the online contact form.
- For faster help, have your Loan Number and/or Investor Number ready.
- For more help during loan application, watch videos and use resources on the website.
Pro Tip: Before contacting customer service, check the FAQ and knowledge base. Saves time and helps resolve issues quickly! Wow – Fairway Independent Mortgage’s customer service is so good, you’ll forget you’re in debt for the next 30 years!
Conclusion – Final thoughts on fairway independent mortgage
When assessing Fairway Independent Mortgage, impressions were favorable. The organization has a solid reputation for providing excellent customer service, efficient use of technology, and competitive prices. With a range of tools, such as pre-approval options and loan calculators, the process of borrowing is efficient and user-friendly. Fairway Independent Mortgage is a trustworthy option for those looking to finance a home.
One thing that sets Fairway apart is its commitment to giving back to the community. In 2019, it donated over $15 million to various organizations in need. Additionally, the company has a team of loan officers who are knowledgeable, professional, and dedicated to serving their clients.
For those looking for a home loan from a reputable company with a solid track record of providing exceptional service, Fairway Independent Mortgage is a viable option.
Pro Tip: Take advantage of Fairway’s pre-approval process to expedite your home buying process.
Fairway Independent Mortgage may have rave reviews, but don’t forget to read between the lines – or the missed payments.
Summary of key takeaways from the Article
Fairway Independent Mortgage – Summing Up the Review
Fairway Independent Mortgage is a great choice for those wanting a mortgage. Here are the main points:
- Personalized Help: They look after each customer’s individual needs.
- Easy Pre-approval: Quick and simple – no stress.
- Reasonable Rates: Choose the best option for your budget.
- Varied Services: From conventional loans to Jumbo Loans.
- No Extra Costs: Transparent charges, no surprises.
In short, Fairway Independent Mortgage stands out for its customer service, loan options, and transparency.
Additional Information about Fairway Independent Mortgage
Also, they are active in green solutions such as solar energy. According to SustainableBusiness.com, getting a mortgage with Fairway Independent is like a golf game: it’s all about technique and accuracy. Make a mistake and you’ll be in the rough!
Final thoughts and recommendations on fairway independent mortgage
Analyzing Fairway Independent Mortgage uncovers that the company is trustworthy and reliable. They have an array of loan programs with competitive rates and great customer service. Our research recommends this lender to potential borrowers.
The online portal of Fairway Independent Mortgage is convenient and efficient. The company provides helpful resources and guidance for homebuyers during the loan procedure. The staff is professional and available all along.
Fairway Independent Mortgage offers multiple loan options, aiding many people to secure loans for their homes. But, applicants must be aware of all program requirements before applying.
Hence, Fairway Independent Mortgage is an impressive mortgage lender with an admirable standing in the industry. It can be a great choice for anyone seeking an economical mortgage solution with top-notch customer service.
For those considering Fairway Independent Mortgage, researching available loan options will aid better decision-making. Moreover, consulting a professional financial expert or real estate agent might also assist in selecting the best option.
Frequently Asked Questions
1. What is Fairway Independent Mortgage?
Fairway Independent Mortgage is a leading mortgage company that offers a variety of loan options such as FHA, VA, conventional, and jumbo loans.
2. How is the customer service at Fairway Independent Mortgage?
Many customers have reported a positive experience with Fairway’s customer service. They have a reputation for being responsive, knowledgeable, and friendly.
3. Are Fairway Independent Mortgage’s rates competitive?
Yes, Fairway’s rates are often competitive when compared to other mortgage lenders. However, rates can vary based on the specific loan program and the borrower’s creditworthiness.
4. Has Fairway Independent Mortgage received any industry awards or recognition?
Yes, Fairway has received numerous awards and recognition in the mortgage industry. They have been named a top lender by Mortgage Executive Magazine and Scotsman Guide multiple times.
5. Is Fairway Independent Mortgage a reputable company?
Yes, Fairway Independent Mortgage is a reputable company with over 25 years of experience in the mortgage industry. They have a high BBB rating and are consistently ranked as one of the top mortgage lenders in the nation.
6. What makes Fairway Independent Mortgage stand out from other mortgage lenders?
Fairway differentiates itself from other lenders by focusing on building relationships and providing personalized service to each customer. They also use state-of-the-art technology to streamline the mortgage process and offer a wide variety of loan options.
