No surprises allowed
The whole process, de-mystified
Eight phases, each explained like a friend would. When you know what's coming, none of it is scary.
- Just days
The first conversation
Text or call Rob. He learns your situation and goals; you learn your realistic options. No paperwork, no obligation — just orientation.
- 1–3 days
Pre-approval
You submit income, asset and ID documents through Fairway's secure portal. Rob verifies everything and issues your pre-approval letter — your buying power, in writing.
- Your pace
House hunting
You and your real estate agent shop with a clear budget. Rob stays a text away for payment math on any specific house.
- 1–3 days
Offer & acceptance
Your agent submits the offer with Rob's pre-approval letter attached. Rob is available to speak with listing agents to strengthen your offer's credibility.
- Week 1–2
Processing & appraisal
Under contract! Fairway orders the appraisal, and Rob's team assembles your complete file. You may be asked for updated documents — fast responses keep things moving.
- Week 2–3
Underwriting
A Fairway underwriter reviews everything against program guidelines. Conditions (follow-up requests) are normal — Rob translates each one into plain English.
- Week 3–4
Clear to close
The best three words in the process. You review your Closing Disclosure — the final, official numbers — at least three business days before signing.
- Closing day
Keys
Sign the final documents, funds transfer, and the home is yours. Rob doesn't disappear afterward — questions about your mortgage are welcome for as long as you have it.
The communication promise
You’ll never wonder what’s happening with your loan
The worst part of most mortgage stories isn’t the paperwork — it’s the silence. Rob’s approach is the opposite: milestone updates as your file moves, plain-English explanations of anything underwriting asks for, and a direct line for every “wait, what does this mean?” moment.
Text him. That’s the whole system.
Want a guide for the whole thing?
That's the job. One text starts phase one — and Rob walks every phase after that with you.