fairway-independent-mortgage-corp

What is Construction to Perm?

Thu, 05 Mar 2026 17:33:47 GMT

How to buy land and build,

all in one loan program!!

There’s a moment in every build when the foundation is poured and nothing looks impressive yet.

It’s just concrete in a hole.

But if you’ve ever built a home… you know that slab represents something far bigger. It represents commitment. Vision. Risk. Hope.

And for many families, the hardest part isn’t choosing the floor plan.

It’s figuring out how to finance it.

That’s where a One-Time Close Construction-to-Permanent Mortgage changes the game.

Building Dreams Without Building Stress

Traditionally, financing new construction meant juggling two loans… a short-term construction loan followed by a permanent mortgage once the home was complete. Two applications. Two approvals. Two sets of closing costs. Two moments where something could go sideways.

Our One-Step Construction-Permanent program simplifies the process.

You close once.

The loan funds the construction phase.

When the home is complete, it automatically converts to your permanent mortgage.

One loan. One closing. One streamlined path from dirt to dream home.

Available for More Than You Think

This program isn’t just for traditional site-built homes. It’s built for real-world buyers with real-world goals.

**Primary Residences
Build the home you actually want… not just the one available in today’s inventory.

**Rental Properties
Investors can use this program to build income-producing properties from the ground up, positioning themselves for long-term appreciation and cash flow.

**Modular Homes
Factory-built precision meets permanent financing. Modular homes qualify when built on a permanent foundation and meet guidelines.

**Manufactured Homes
Yes, even manufactured homes are eligible when properly titled and affixed to owned land. That opens doors for affordable housing solutions in today’s market.

This flexibility matters. According to the U.S. Census Bureau, new construction remains a critical part of housing supply as existing inventory stays tight. Buyers are increasingly looking at build options because sometimes the right house simply doesn’t exist yet.

Who Is This Program For?

It’s for the family who found the perfect piece of land but not the perfect house.

It’s for the investor who sees opportunity in new builds rather than competing in bidding wars.

It’s for the homeowner who wants energy efficiency, modern layouts, and customization without settling.

And here’s something many don’t realize: you don’t need perfection to qualify. Credit guidelines are competitive, and we work with a wide range of borrowers. The key is structuring the project correctly from the start.

How It Works

Step one: You choose your builder and finalize plans and specifications.

Step two: We structure the loan to cover the cost of land (if applicable) plus construction.

Step three: You close once. Funds are disbursed in draws to the builder during construction.

Step four: When construction is complete, the loan converts into your permanent mortgage.

No re-qualifying. No second closing. No starting over.

That simplicity reduces uncertainty in a process that already has enough moving parts.

Why This Matters in Today’s Market

Inventory is still constrained in many markets. Existing homeowners with low mortgage rates are staying put, which limits resale supply. Meanwhile, demand for housing continues.

New construction is not just a trend. It’s a strategic solution.

Freddie Mac and other housing research groups consistently report that the U.S. faces a long-term housing supply shortage. Building isn’t just personal… it’s part of solving a broader market imbalance.

And when you can finance that build with one streamlined loan, the barrier to entry drops significantly.

The Bigger Picture

Building a home isn’t just about lumber and drywall. It’s about control.

Control over layout. Over finishes. Over where you live and how you live.

A One-Time Close Construction-Permanent mortgage removes unnecessary friction so you can focus on the vision instead of the paperwork.

If you’re considering building a primary home, expanding your rental portfolio, or exploring modular or manufactured housing options, this program may be the right foundation for your next move.

Every great structure starts with a solid base.

Let’s build yours the right way… from day one.

#FairwayHomeMortgage #FairwayPA #ConstructionPerm #DreamHome #ConventionalFinancing #VAConstruction

The Pre-Approval Letter Has Changed…

Thu, 12 Feb 2026 19:46:42 GMT

And Not Every Mortgage Lender is Keeping Up!

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Purpose meets Action

Fri, 02 Jan 2026 19:03:43 GMT

American Warrior Initiative and FAIRWAY Home Mortgage, working together to serve.

Some partnerships are formed for convenience. Others are formed for impact .
The collaboration between the American Warrior Initiative and FAIRWAY Home Mortgage squarely falls into the second category.

The recent recap video, led by Louise Thaxton and Jason Redman , doesn’t just highlight accomplishments… it tells a bigger story. A story about commitment, consistency, and what happens when an organization decides that supporting veterans isn’t a marketing slogan, but a responsibility.

More Than Numbers… But the Numbers Matter

Let’s start with the facts — because they’re powerful.

Together, the American Warrior Initiative and FAIRWAY Home Mortgage have:

Awarded 50 service dogs to veterans in need
Provided $135,000 in grants directly to veterans and military families
Supported countless additional initiatives focused on transition, healing, and long-term stability
Lives Saved and Lives Changed

These aren’t abstract achievements. Each service dog represents independence regained. Each grant represents stress reduced, opportunity restored, and a veteran being reminded that they are not forgotten.

And while the numbers are impressive, what matters most is what they represent… real lives changed.

Service Dogs: Restoring Independence and Confidence

One of the most impactful outcomes highlighted in the video is the awarding of 50 service dogs to veterans. For many, these dogs are not companions alone — they are lifelines.

Service dogs help veterans manage PTSD, anxiety, physical limitations, and everyday challenges most of us take for granted. They restore confidence. They create freedom. They help veterans re-engage with family, work, and community.

This isn’t charity. It’s empowerment.

Grants That Create Breathing Room

The $135,000 in veteran grants provided through this initiative speaks to another critical need… financial stability during transition .

Many veterans face unexpected hurdles when moving from military to civilian life. Emergency expenses, housing challenges, medical needs, or career transitions can create pressure fast. These grants provide breathing room — time to reset, regroup, and move forward with dignity.

As highlighted in the video, these funds aren’t handed out casually. They are thoughtfully directed to create meaningful, lasting impact.

Leadership That Walks the Talk

Louise Thaxton and Jason Redman don’t just speak about service — they embody it.

Their message is clear: supporting veterans isn’t a one-time event or a seasonal campaign. It’s a long-term commitment that requires showing up, staying engaged, and holding yourself accountable for results.

Jason Redman’s perspective, rooted in military service and recovery, reinforces why initiatives like this matter so deeply. Louise Thaxton’s leadership underscores how organizations can — and should — leverage their platform to make a real difference.

Why This Matters Now

Veterans don’t stop needing support when the headlines fade. The work continues long after the applause ends.

This partnership is a reminder that businesses can be forces for good — not by talking louder, but by acting consistently. When purpose drives action, trust follows. Communities strengthen. Lives change.

Looking Ahead

The accomplishments celebrated in this video are significant… and they’re not the finish line.

They’re proof of what’s possible when values align with execution.

At FAIRWAY Home Mortgage, supporting the American Warrior Initiative is about honoring service with substance — and ensuring that those who served our country are supported long after their uniform comes off.

Because when purpose meets action… everyone moves forward .

Buy First. Sell Later. Never Stress!

Fri, 19 Dec 2025 16:59:04 GMT

A Smarter Way to Move Without Putting Your Life on Hold

Moving is supposed to feel like progress. A new chapter. More space, a better location, a home that fits the life you’re actually living.

Instead, for many homeowners, it feels like a high-wire act with no safety net.

You love your current home… but you’ve outgrown it.
You found “the one”… but you haven’t sold yet.
You’re qualified on paper… but the timing feels impossible.

This is where most people freeze.

The traditional rulebook says you must sell first, then buy. That sounds logical until real life shows up. Temporary housing. Double moves. Missed opportunities. Contingent offers that sellers politely decline while accepting someone else’s clean contract.

That’s not strategy. That’s stress.

There’s a better way.

The Problem Isn’t the Market… It’s the Sequence

In today’s market, speed and certainty matter. Sellers want confidence. They want buyers who can move forward without asterisks and contingencies.

But homeowners are stuck in a paradox:

You need the equity from your current home to buy the next one
But you don’t want to sell before you know where you’re going
And you definitely don’t want to move twice

So people wait. Or they rush. Or they compromise.

None of those are winning moves.

The real issue isn’t affordability or desire. It’s sequencing. And once you fix the order of operations, everything else gets easier.

Buy First. Sell Later. Yes, Really.

Fairway Home Mortgage offers a solution designed specifically for homeowners who want to move forward without hitting pause on life .

This program allows qualified buyers to purchase their next home before selling their current one.

Read that again. Slowly.

Buy first.
Then sell.
Without the panic.

No rushed listings. No fire-drill showings. No “we’ll take it because we have to” pricing decisions.

Instead, you move into your next home on your timeline, while your current home sells with intention… not desperation.

Why This Changes Everything

This approach flips the emotional script.

Instead of making decisions from fear, you make them from clarity.

You can:

Make stronger, non-contingent offers
Compete more confidently in tight markets
Move once, not twice
List your current home when it’s ready, not when you’re cornered

Psychologically, that matters. Financially, it often does too.

Homes that are prepared, staged, and priced strategically tend to sell better than homes rushed to market under pressure. The calm buyer often becomes the smarter seller.

“But Is It Complicated?”

Here’s the truth: mortgages are never “simple.” But they can be well-structured .

This program isn’t a gimmick. It’s a thoughtfully designed option backed by Fairway Home Mortgage, one of the most trusted names in the industry. Qualifying has become easier, and the process is guided every step of the way by professionals who understand both the numbers and the emotions involved.

Not everyone will qualify. That’s real life.
But many more people qualify than they expect.

And most never ask… which means they never know.

Who This Is Perfect For

This option shines brightest for:

Homeowners with solid equity
Families relocating or upsizing
Buyers who’ve lost offers due to home-sale contingencies
Anyone who wants control instead of chaos

It’s not about being aggressive. It’s about being prepared.

The Hidden Advantage Most Buyers Miss

In real estate, confidence is currency.

When sellers see an offer without a home-sale contingency, they pay attention. When agents see a buyer backed by a strong lender with a clear plan, conversations change.

This isn’t just a financing tool. It’s a positioning advantage.

And in a market where good homes still move quickly, positioning matters.

The Bottom Line

You shouldn’t have to choose between moving forward and sleeping at night .

You shouldn’t have to uproot your family twice just to make the math work.

And you shouldn’t assume the old rules are the only rules.

“Buy First. Sell Later. Stress Never.” isn’t just a catchy phrase. It’s a smarter sequence. A calmer experience. And for the right homeowner, a game-changer.

The first step isn’t commitment.
It’s conversation.

When you understand your options, the path forward gets a lot clearer.

And clarity… that’s where confident decisions are made.

#HomeBuyerTips #BridgeLoans #SwingLoans #BuyFirst #SellLater #HousingMarketInsights #FairwayPA #FairwayHomeMortgage #BuyBeforeYouSell #MortgagePlanning #MortgageBrokerinPA #MortgageExpertinLancaster

When Staying in Your Home Matters Most: A Real Look at Reverse Mortgages

Fri, 07 Nov 2025 17:30:07 GMT

A Real Life Strategy, Learn How a HECM Line of Credit works and who it benefits and why it's an important tool for many.

Earlier this week, a friend reached out to tell me about his mother. She lives alone, owns her home outright, and manages her budget carefully. But like many retirees on a fixed income, she occasionally feels the pressure of rising costs. And because she’s independent, she doesn’t want to ask her family for help.

She asked about Reverse Mortgages… and that opened the door for a conversation that could genuinely improve her quality of life.

We’ve scheduled a meeting with all three of us to walk through the program — how it works, what it solves, and whether it truly fits her long-term goals. My first question to her was simple but essential:

“Do you want to stay in your home?”

Her answer was an immediate yes… and that alone makes her a strong candidate for a Reverse Mortgage.

Why a Reverse Can Be a Smart Strategy

In her case, she has:

No mortgage
No consumer debt
Stable living expenses
Occasional financial pressure
A desire to remain in her home

For homeowners like her, a HECM Line of Credit can be one of the most flexible financial tools available. It allows her to access funds only when needed — for home improvements, property taxes, unexpected bills, medical costs, or even a special trip — all without taking on a mandatory monthly payment.

Because a Reverse Mortgage is a non-recourse loan , there’s:

No call feature
No maturity date as long as she lives in the home
No required payments (though she can make voluntary payments if she wishes)

She simply must maintain the home and continue paying taxes and insurance.

How It Differs From a Traditional HELOC

Many people compare Reverse Mortgages to a standard Home Equity Line of Credit… but they function very differently.

A traditional HELOC almost always:

Converts into a repayment period
Adds a required monthly payment
Has credit risk
Can trigger foreclosure if payments are missed

A Reverse Mortgage Line of Credit does not convert. The flexibility remains for life, making it especially helpful for retirees who want stability without the pressure of future payments.

A Reverse Mortgage Isn’t One-Size-Fits-All

This program isn’t for everyone — but when it’s the right fit, it can create financial breathing room and preserve independence. It can even be used to purchase a new home, not just refinance an existing one.

Our goal is always the same: educate the homeowner (and the family, when appropriate) so they have the clarity they need to make the best decision.

If you have questions or want to explore whether a Reverse Mortgage could benefit you or someone you love, we have a dedicated RM specialist on our team who can help.

You can also watch today’s video for a deeper dive on how this works and why it’s becoming a powerful option for many retirees.

To Your Success,
Ken and Your Home Buying Team at FAIRWAY

#ReverseMortgage
#HECMLineOfCredit #RetirementPlanning #SeniorHomeowners #HomeEquityOptions #AgingInPlace #MortgageEducation #FairwayHomeMortgage #FinancialIndependence #RealEstateInPA #MortgageExpertinLancaster

The Real Estate Market is Shifting

Fri, 31 Oct 2025 16:47:53 GMT

What Home Buyers and Sellers Need to Know Now!

This week, the Federal Reserve cut the Fed Funds Rate by one-quarter of a percent — a move many in the market expected. What’s interesting, though, is how that decision doesn’t always translate to lower mortgage rates. In fact, mortgage rates sometimes tick up immediately after a Fed cut.

That said, rates have been trending down since July and are roughly half to three-quarters of a percent lower than earlier this year. That’s welcome news for buyers and sellers alike.

When the Fed adjusts rates, it affects short-term borrowing first — things like credit cards and Home Equity Lines of Credit (HELOCs). Because most HELOCs are tied directly to the Prime Rate, they move in lockstep. When the Fed cuts, the Prime Rate follows the next day. So, if you have a HELOC, expect to see your rate drop soon… and likely more over the coming year.

Consumer borrowing costs are easing too, which means more money in people’s pockets and lower expenses for businesses that rely on lines of credit. That’s a healthy sign for both Main Street and Wall Street.

Now let’s zoom in locally — right here in Lancaster and South-Central PA.

Inventory Is Rising

After months of painfully tight supply, inventory is creeping up. We’re sitting around 1.5 months of available homes , compared to just 1 month not long ago. For reference, anything under 4 months is considered a seller’s market. Four to six months is balanced; six or more is a buyer’s market. So yes, still a seller’s market — but easing, which is healthy.

Days on Market Are Growing

Homes are staying active longer — from about 15 days a few months ago to roughly 25 days now, according to LCAR. That extra time gives buyers a real shot to view, compare, and act without the mad scramble. It also opens doors for those using FHA, VA, or Rural Housing financing — buyers who were nearly shut out before.

Price Reductions Are Up

Over 1,000 properties in September saw price adjustments. That’s sellers responding to the new pace of the market. It’s a signal of realism — and opportunity — for today’s buyers.

Rates Are Lower Than a Year Ago

Compared to last fall, mortgage rates are down about one full percent. On a $300,000 loan, that’s roughly $200 less per month , which can mean a more affordable payment… or more home for the same payment.

Bottom Line

We’re still in a seller’s market, but it’s loosening. More inventory. Longer listing times. Slightly lower rates. The same factors that sidelined buyers the past two years are beginning to shift — and that’s encouraging news.

To Your Success,
Ken Pederson and Your Home Buying Team at Fairway Home Mortgage

You can watch our video post with charts and graphics by clicking on this link: https://youtu.be/KTWFJRt-dQM

When you have questions about the market, buying a home or getting Pre-Approved with the FAIRWAY Advantage Pre-Approval, DM me or reach out to our office at 717-431-9299.

#FairwayHomeMortgage #MortgageLenderInLancaster
#RealEstateInLancaster #MortgageRates
#HousingMarketUpdate #HomeBuyingTips
#PennsylvaniaRealEstate #HomeLoanExpert
#YourDailyStart #GoBeDo #MortgageExpertinPA

Mortgage and Housing Affordability on the Rise!

Mon, 27 Oct 2025 18:26:34 GMT

Housing Affordability!

Over the past 18 months, mortgage rates have quietly — but meaningfully — improved. While the headlines often focus on the highs and lows, the truth is this: rates are down about 1% from where they were just a year and a half ago… and that’s making a noticeable difference for homebuyers.

Let’s put some real numbers to it.

On a $300,000 loan, the monthly principal and interest payment at a 7.5% rate would be around $2,097 . At 6.5%, that same loan drops to about $1,896 — roughly $200 less per month . That’s $2,400 per year in savings, simply from the change in rates.

Now, let’s flip it around and look at it another way…
If a buyer was comfortable with that $2,097 payment 18 months ago, today that same payment would buy a home priced about $30,000 higher — without increasing the monthly budget.

That’s what we call buying power — and when rates move, buying power moves right along with them.

The Affordability Equation

Even though home prices have continued to rise modestly, the decline in rates is helping to offset those increases. In other words, home affordability is improving , even in a market where prices remain strong.

Here’s the simple takeaway:

Lower rates = lower payments
Lower payments = higher purchasing power
Higher purchasing power = improved affordability

It’s the kind of math that brings opportunity back to the table for buyers who may have felt priced out not that long ago.

Perspective Matters

It’s worth remembering that even with recent fluctuations, today’s mortgage rates are still well below long-term historical averages. Through the 1980s and early 1990s, for instance, rates ranged from 8% to 12% — yet people still bought homes, built equity, and created wealth through ownership.

The key difference today is that buyers have better tools, better guidance, and more flexible loan options. VA, FHA, USDA, and Fairway’s own Buy & Save programs give borrowers multiple ways to make homeownership fit their financial comfort zone.

Your Move Forward

If you’ve been waiting for a “better time,” this might be it. The combination of slightly lower rates and rising affordability could open doors — literally — for many buyers who stepped back during the higher-rate period.

Whether you’re a first-time buyer or returning homeowner, it’s a good moment to check in and re-run the numbers. You may find your purchasing power has improved more than you think.

The Bottom Line

Mortgage rates are down about 1% over the past 18 months.
That change alone means:

Roughly $200 less per month on a $300,000 mortgage, or
The ability to afford a home about $30,000 higher in price for the same monthly payment.

Even as home prices trend upward, affordability is quietly making a comeback — and that’s great news for buyers heading into the new year.

Ken Pederson, Your Lancaster Based Mortgage Expert

Ready to see how today’s lower rates could work in your favor?
Run the numbers with our team and discover your updated buying power.
Contact Fairway Home Mortgage today — and let’s make your next move happen.

#MortgageRates #HomeAffordability #InterestRates #HomeBuyingTips #RealEstateMarket #FairwayHomeMortgage #MortgageAdvisor #HomeLoans inPA #HousingMarket inLancaster #HomesalesinLancaster #FirstTimeHomeBuyer #RealEstateNews #BuyersAgent # MortgagesinLancaster

The Umbrella Lesson... Why Credit is Hardest to Get, When You Need it Most!

Fri, 24 Oct 2025 14:05:52 GMT

Don't Let This Happen to You!

Have you ever noticed how life has a funny way of teaching lessons when you least expect them?

Recently, while traveling to a large city, I checked into my hotel and noticed a stand full of umbrellas by the door. I thought, That’s a smart idea… I’ll probably need one later. The forecast called for rain, and since I prefer walking in cities, I figured I’d grab one before heading out.

But I didn’t.

Later that day, as the skies opened up, I came downstairs ready to head out — and every umbrella was gone. Just like that.

Instead of a brisk walk through the city, I found myself waiting for an Uber, paying for the ride, and fighting through traffic. What had been free and easy earlier, suddenly became costly and inconvenient.

That’s when it hit me — credit works the exact same way.

When the sun is shining, and you don’t really need it, credit is easy to find and inexpensive. Banks are happy, rates are low, and approvals come quickly. But when the financial storms roll in — job loss, income reduction, or unexpected medical issues — that same credit can become nearly impossible to find… or painfully expensive.

I see it happen more often than you’d think.

Take the home seller who finds their dream house before selling their current one. They’re told by their Realtor and lender that a Bridge Loan or Home Equity Line of Credit (HELOC) could make their offer stronger, maybe even the difference between winning or losing the home. But they hesitate. Then, when they finally need that loan… it’s too late. The bank says no, or the cost skyrockets.

The truth is, most homeowners could protect themselves by setting up credit before they ever need it. A HELOC, for example, doesn’t cost anything until you borrow from it. It just sits quietly in the background, ready for life’s surprises — whether that’s an unexpected move, a job change, or a health setback.

And for non-homeowners, having an extra credit line or card in good standing builds both protection and opportunity. It’s the modern-day umbrella.

Here’s the takeaway:

Money and credit are hardest to get when you need them most — and easiest when you don’t.

The key is preparation. Get the umbrella before it rains.

If this story hits home — or you’d like to understand how this idea ties directly to home financing, bridge loans, and income protection — click below to read the full Ken’s Korner story. It dives deeper into the “why,” shares real-world examples, and might just change the way you think about credit forever..

Get the full blog post and video here: https://vid.us/utz3k5

#LancasterRealEstate #LancasterMortgageExpert #HomeSalesinLancaster #Fairway #FairwayHomeMortgage #Plan #FinancialPlanning #MoneyTruth

Make No Mortgage Payments for Up to Three Months! Here's How!

Thu, 23 Oct 2025 20:30:49 GMT

What is the FAIRWAY Buy and Save Program?

Imagine buying your next home and not making a single mortgage payment for up to three months.
That’s not a typo — it’s the new Fairway Buy & Save™ program, and it’s designed to help both homebuyers and home sellers win in today’s market.

Whether you’re a first-time buyer looking to ease the financial stress of moving, or a seller trying to make your listing stand out in a competitive market, this program can be a real difference-maker.

Fairway Buy & Save™ is an exclusive program available to eligible buyers using FHA, VA, or USDA financing .
In short, it can cover up to your first three mortgage payments on your new home.

Think about that… three months of financial breathing room when you need it most — right after you move in.

This is not a deferral or skipped payment plan.
These payments are actually covered by the seller and can sometimes be negotiated right into your contract. Allowing you to settle in, furnish your home, and get comfortable before your first mortgage bill ever comes due.

�� How It Works for Homebuyers

Buying a home is one of the biggest decisions you’ll ever make, and every dollar counts when you’re saving for closing costs, furniture, or that first big grocery run after move-in day.

Here’s how Buy & Save helps:

1️⃣ Three months of no mortgage payments — covered by the seller. This is negotiated up front. Not all sellers will agree to this, however, as more homes sit longer on the market, some will.
2️⃣ Applies to FHA, VA, or USDA loans — three of the most popular programs for first-time buyers, however, it is not restricted to first-timers.
3️⃣ Simplifies your cash flow during move-in — giving you extra time to build savings or reduce other debt.

Picture this: You close on your home in December, and your first out-of-pocket mortgage payment doesn’t come due until May1. That’s peace of mind — and a strong start as a new homeowner.

�� How It Works for Sellers

The housing market has shifted, and homes aren’t flying off the shelves the way they used to.
If your listing has been sitting for 30, 60, or even 90 days, the Fairway Buy & Save™ program can give you a creative edge.

Here’s how sellers can benefit:

1️⃣ Attract more buyers by offering a unique incentive that stands out from standard price cuts.
2️⃣ Market your home as “Eligible for up to 3 months of no mortgage payments.” That’s a headline buyers notice.
3️⃣ It can be structured as a seller-funded contribution , which means you control how much incentive you want to offer.

Instead of dropping your price $10,000 to spark interest, you could apply those funds toward the Buy & Save program and create a win-win that brings more offers to the table.

�� Why This Matters in Today’s Market

The mortgage and real estate market in Pennsylvania (and across the country) is evolving fast.
Rates, inventory, and affordability all play tug-of-war, but the fundamentals haven’t changed — people still want and need homes.

That’s where programs like Fairway Buy & Save™ shine. They’re designed to remove barriers and spark movement in the market.

Buyers get more confidence to make the move now instead of waiting.
Sellers get a way to sweeten the deal without a drastic price reduction.
Realtors get a conversation-starter that helps listings get noticed.

It’s one more way Fairway continues to bring creative, real-world solutions to today’s housing challenges.

�� Why Choose Fairway for Your Home Loan

At Fairway Home Mortgage , our mission has always been simple — to make the home buying process smooth, transparent, and empowering.

We’ve been serving homebuyers across Pennsylvania for years, with local branches, in-house processing, and expert teams that know the Lancaster, York, Chester, and surrounding counties inside and out.

With programs like Buy & Save™ , we’re helping clients not just get approved — but get ahead.

�� Ready to Learn More?

If you’re a buyer , ask how you can qualify for Fairway Buy & Save™ with an FHA, VA, or USDA loan.
If you’re a seller or Realtor , reach out to learn how this program can be integrated into your next listing strategy.

This could be the perfect way to bridge the gap between “thinking about it” and “let’s make an offer.”

�� Reach out today to find out how you or your clients can take advantage of this program — and start your home journey with a little extra breathing room.

Certain restrictions apply.

Refer to product guidelines for all requirements. Payments applied to the loan must be complete payments; partial payments are not permitted. The first payment due date will not change on the note. Funds will be applied no later than payment due date or upon transfer to servicer. See Fairway for full program details.

#FairwayBuyAndSave #FairwayHomeMortgage #LancasterPAHomes #PAMortgage #NoMortgagePayments #FHAloan #VAloan #USDALoan #HomebuyerIncentives #FairwayAdvantage #FairwayPA #KenPederson #LancasterRealtors #BuyBeforeYouSell #MortgageEducation #HomeownershipPA #FairwayCares

A Smarter Way to Buy Your Next Home: Reverse Mortgages for Boomers!

Mon, 15 Sep 2025 16:06:24 GMT

Boomers and Seniors... what you do not know, can hurt you!

If you’ve been watching the housing market lately, one statistic stands out: nearly 1 in 2 home buyers today is over the age of 60 — the largest share in history . Boomers and seniors are shaping the future of real estate in a way that can’t be ignored.

For many of these buyers, the challenge isn’t just finding the right home — it’s finding the right way to pay for it. Paying all cash ties up too much liquidity. Taking on a traditional mortgage means adding a monthly payment that may not fit their retirement lifestyle.

But there’s a third option most people don’t know about: the Home Equity Conversion Mortgage for Purchase (H4P) — often called a “reverse mortgage for purchase.”

A Quick Story: Hiking With a Heavy Pack

Think about hiking up a mountain with a 50-pound pack on your back. You may get to the top, but every step feels heavier, slower, and harder. Now imagine trimming that weight down to 20 pounds. Same mountain, same climb — but suddenly, you’ve got more energy, more flexibility, and you actually enjoy the journey.

For many boomers and seniors, carrying a monthly mortgage payment in retirement feels like that heavy pack. An H4P is like lightening the load. It lets them buy the home they want with far less cash up front than an all-cash purchase (typically 45%–70% down, depending on age and rates) — and with no required monthly mortgage payments . The result: more financial breathing room and more freedom to enjoy retirement.

Why This Matters More Than Ever

According to the National Association of Realtors 2025 report, buyers age 60+ make up:

26% ages 60–69
16% ages 70–78
4% ages 79–99

That’s a total of 46% of today’s buyers. Yet, less than 1% currently use an H4P .

That gap represents both a challenge and an opportunity. Real estate professionals who understand this program can stand out by offering smarter solutions to their clients.

The H4P Advantage

Here’s why more seniors should consider it — and why agents, builders, and families should be talking about it:

Lower Cash Requirement : Buy with less out of pocket than all-cash buyers, while avoiding monthly principal and interest payments.
No Monthly Mortgage Payments : Borrowers remain responsible only for property taxes, insurance, and upkeep.
Preserve Retirement Assets : Keep more cash available for healthcare, investments, travel, or other goals.
Flexibility + Security : Get the right home with the right features, without compromising financial freedom.

Why Seniors Haven’t Heard of It

Part of the reason is awareness. Many older buyers still think their only choices are cash or a traditional mortgage. In reality, cash accounts for 44% of senior purchases, while 55% use a standard mortgage — leaving H4P in the shadows .

But for seniors who want to stretch their retirement dollars and still enjoy the home that fits their lifestyle, the H4P can be a game-changer.

Turning Difficulty Into Opportunity

Retirement brings its own set of challenges: fixed incomes, rising healthcare costs, and the uncertainty of future markets. For many boomers, the idea of buying a new home feels daunting — like stepping into unfamiliar territory. But that’s where using the right financial tool makes all the difference.

An H4P isn’t about adding risk. It’s about reframing the challenge, much like Michael Caine’s famous advice: “Use the difficulty.” By using a reverse mortgage for purchase, seniors can turn what feels like a limitation (monthly payments or tied-up cash) into an opportunity — freeing themselves to live the retirement they envisioned.

The Bottom Line

The senior homebuyer market is too big to ignore. Nearly half of today’s buyers are over 60, and their financial needs are unique. The Home Equity Conversion Mortgage for Purchase is one of the most underutilized tools available — but for the right buyer, it can deliver the perfect blend of financial freedom, security, and flexibility.

For boomers and seniors looking to right-size, relocate, or buy their dream retirement home, the H4P could be the smartest path forward.

If you or someone you know is considering a move, it’s time to explore this little-known but powerful option.

Slash Your Rate, Boost Your Budget

Fri, 05 Sep 2025 17:25:53 GMT

The

FAIRWAY Budget Booster Program

Buying a home is one of the biggest financial decisions you’ll ever make… and in today’s market, every dollar matters. That’s why Fairway created the Budget Booster Program , designed to give our conventional loan homebuyers a half-percent (.50%) interest rate reduction during the first 12 months of their mortgage.

This isn’t just a short-term perk—it’s a smart financial strategy that puts money back in your pocket when it matters most.

Why the First Year Matters So Much

The first year of homeownership often brings extra expenses:

New furniture for that empty living room.
Fresh paint, landscaping, or small renovations.
Higher utility bills than you expected.

Those costs add up quickly. With the FAIRWAY Budget Booster, your monthly mortgage payment is lower in year one, freeing up extra cash to handle those real-life expenses without stretching your budget to the breaking point.

It’s about creating breathing room when you need it most.

How It Works

The math is simple but powerful:

On a $350,000 loan , a .50% rate discount could save you around $145 per month in the first year.
That’s over $1,700 saved in year one .

Instead of pouring that money into higher payments, you keep it to cover moving costs, savings goals, or simply to enjoy your new home with less financial stress.

Benefits Beyond the Savings

The FAIRWAY Budget Booster isn’t just about the dollars saved—it’s about the opportunities created.

Flexibility for Families
Families often face higher expenses during transitions. A lower payment cushion can help parents budget for school supplies, sports fees, or unexpected costs.
Confidence for First-Time Buyers
Walking into a mortgage can feel intimidating. This program eases that pressure, giving first-time buyers a smoother on-ramp into homeownership.
Breathing Room for Investors
For buyers adding a property to their portfolio, the Budget Booster strengthens cash flow in year one, making investments more manageable.

Short-Term Discount, Long-Term Gain

Some people ask, “But doesn’t the rate go back up after 12 months?” Yes, it does. After the first year, your loan reverts to the original locked-in interest rate.

Here’s the key: you’re not paying extra later to make up for the savings. It’s a straight one-year benefit, giving you an advantage without hidden trade-offs.

Think of it like running downhill for the first mile of a marathon—you’re conserving energy early so you can go the distance with confidence.

Why Now Is the Time

This program isn’t open forever. To qualify, your loan must:

Be a conventional loan .
Be locked in by November 18, 2025 .

That’s a firm deadline. Once it’s passed, the window closes. Acting early ensures you can take advantage of this rate reduction before it’s gone.

Who Should Consider the Budget Booster?

Young professionals buying their first home and juggling student loans.
Growing families upgrading to more space while watching every penny.
Homeowners refinancing to lower costs and regain monthly flexibility.

If you’re serious about buying or refinancing this year, this program was designed with you in mind.

A Real-Life Example

Let’s say Sarah and Mike are first-time buyers in Lancaster, PA. They find a home they love with a $325,000 loan amount. At their locked-in interest rate, their mortgage payment would normally be $2,000 per month.

With the Budget Booster , their first 12 payments drop to around $1,855. That extra $145 per month allows them to furnish their new nursery, start an emergency savings fund, and still enjoy a few date nights without feeling strapped.

When year two begins, they’re settled, comfortable, and financially prepared to take on the normal mortgage payment.

That’s the advantage of starting strong.

Final Word: Don’t Miss Out

In the world of real estate, timing is everything. The FAIRWAY Budget Booster Program is one of those rare opportunities that can make your first year in a new home feel lighter, smarter, and more manageable.

But remember—it’s only available for conventional loans locked before November 18, 2025 .

If you’re on the fence about buying or refinancing, this is your moment to move with confidence. Slash your rate, boost your budget, and step into homeownership with breathing room built in.

✅ Ready to learn more? Connect with me today and let’s explore how the FAIRWAY Budget Booster could work for you.

#PennsylvaniaHomeLoans #LancasterPARealEstate #FairwayMortgagePA #FairwayHomePA #FairwayPA #Home #FirstTimeHomeBuyers #MoveUpBuyers #MortgageSavings

Do you need perfect credit to buy a home? Check this out...

Mon, 04 Aug 2025 13:58:46 GMT

Many people believe they need higher scores than they actually do.

When it comes to buying a home, many people hesitate—not because they aren’t ready, but because they think their credit score isn’t. In fact, a recent study by Fannie Mae found that 90% of buyers either don’t know the minimum credit score needed for a mortgage or assume it’s higher than it really is .

Let that sink in... That means a lot of qualified buyers are sitting on the sidelines, believing homeownership is out of reach—when it may be closer than they think.

What Credit Score Do You Really Need To Buy a Home?

Here’s the truth: there’s no single credit score required to get approved for a mortgage . Lenders look at a range of scores depending on the loan type—FHA, VA, conventional—and other factors like income, debt, and down payment.

According to FICO:

“Each lender has its own strategy... There is no single ‘cutoff score’ used by all lenders, and there are many additional factors that lenders may use.”

So if you’ve been putting off your home search because you think you don’t qualify... you might want to think again.

Why Your Credit Score Still Matters

While there’s flexibility, your credit score still plays a major role in:

What type of loan you qualify for
Your interest rate
Your monthly mortgage payment
How much home you can afford

As Bankrate puts it:

“Typically, the higher your score, the lower the interest rates and better terms you’ll qualify for.”

In short, a stronger credit score can save you thousands over the life of your loan.

How To Improve Your Credit Score Before Buying a Home

Want to give your score a boost before applying for a mortgage? Here are some tips from the Federal Reserve that actually work:

Pay your bills on time. Payment history makes up a large portion of your score.
Lower your credit card balances. Aim to keep usage below 30% of your credit limit.
Check your credit reports. Dispute any errors that could be dragging your score down.
Avoid opening new credit accounts. Too many new inquiries can hurt your score temporarily.

Final Thought

Don’t let your credit score hold you back from homeownership. Whether you're just getting started or ready to take the next step, connect with a local mortgage expert who can guide you through the numbers and help you explore real options—no guesswork required.

Two Markets, One Message: Real Estate is All About Local

Mon, 28 Jul 2025 13:54:07 GMT

Buyer's Market or Seller's Market? What Homeowners Need to Know in 2025

Is the housing market favoring buyers or sellers in your area? See how regional trends and pricing are shifting in 2025. Whether you’re scanning listings or prepping to sell, the housing market might feel like a sprint in some zip codes — and a standstill in others. That’s because the U.S. real estate landscape isn’t moving in one direction anymore. Instead, we’re seeing a true “split-screen” scenario: some areas are heating up while others are cooling off .

This divide between buyer-friendly and seller-dominant markets has never been clearer. Let’s unpack what that means for you.

Buyer’s vs. Seller’s Markets — A Quick Refresher

In markets where homes outnumber qualified buyers, buyers tend to call the shots . Properties sit longer, negotiations stretch out, and prices tend to adjust downward. On the flip side, in areas where homes are scarce and demand is strong, sellers maintain the upper hand — think quicker sales, competitive bids, and firmer price points.

The tricky part? Both of these environments are happening right now , depending on the region… and sometimes even within the same city.

What’s Driving the Divide?

According to Redfin data, this market split aligns closely with geography:

The Northeast and Midwest still see strong buyer activity compared to available listings — giving sellers more leverage.
In contrast, the South and West have seen inventory rise and demand ease, shifting power to the buyer’s side.

This marks a significant departure from the past few years, where nearly every market tilted toward sellers.

Prices Reflect the Shift

It’s no surprise that home prices are following suit. In regions with high demand and tight inventory — like parts of the Northeast and Midwest — prices continue to trend upward. But where supply has grown and buyer urgency has slowed — notably in the South and West — we’re seeing price moderation, and in some cases, subtle declines.

Recent data from ResiClub shows this vividly: about half of the top 50 U.S. metros are appreciating , while the other half are flat or slightly down. It’s a patchwork, not a pattern.

What if You’re a Homeowner Seeing Prices Drop?

Don’t panic. If you’ve owned your home for more than a few years, odds are you’ve gained significant equity. Even in areas where prices have dipped, most sellers are still walking away with more than they invested — a strong position to be in.

The Local Advantage

Here’s the bottom line: real estate today is hyperlocal . Even within regions leaning one way or another, there are towns — even blocks — that buck the trend . That’s why partnering with a real estate agent who knows the ins and outs of your neighborhood is more important than ever.

They can help you:

Understand if your area favors buyers or sellers
Develop a pricing or offer strategy based on what’s actually happening nearby
Navigate your move with clarity and confidence, no matter the broader headlines

Let’s Talk About Your Market

The only way to make smart, confident real estate decisions in 2025 is by having boots-on-the-ground insight. If you’re thinking about buying, selling, or just trying to make sense of what’s next — let’s connect. I’ll help you interpret the trends and make the right move for your future.

#HousingMarket2025 #BuyerVsSeller #RealEstateTrends #LocalMarketInsights #HomePricesAndInventory

Real Estate Wire Fraud in 2025

kenp@fairwaymc.com (Ken Pederson) — Tue, 13 May 2025 14:28:11 GMT

How to Safeguard Your Homebuying Journey!

In today's digital age, purchasing a home involves numerous online transactions and communications. While technology streamlines the process, it also opens doors for cybercriminals. One of the most alarming threats in 2025 is real estate wire fraud—a sophisticated scam that can devastate unsuspecting homebuyers.

A Cautionary Tale: The $255,000 Mistake

Consider the recent case of a West Virginia couple who lost their entire $255,000 life savings. They received an email, seemingly from their title company, with instructions to wire their closing funds. Trusting the source, they complied, only to discover later that the email was fraudulent. The funds were gone, and their dream home slipped away.

Understanding Real Estate Wire Fraud

Real estate wire fraud typically involves hackers gaining access to email accounts of real estate professionals. They monitor communications and, at a critical moment, send fake wiring instructions to buyers or sellers. These emails are meticulously crafted to appear legitimate, often mimicking the language and formatting of genuine correspondence.. The FBI reports that real estate wire fraud losses have surged, with over $12.5 billion lost in recent years. First-time homebuyers are particularly vulnerable, falling victim at three times the rate of experienced buyers.

Red Flags to Watch For

Last-Minute Changes : Sudden alterations in wiring instructions or payment details.
Urgent Requests : Pressure to act quickly or risk losing the property.
Unfamiliar Email Addresses : Slight variations in email addresses that may go unnoticed. Hover over or click on the senders email address to see where it really goes.
Unusual Language : Emails with poor grammar or phrases inconsistent with previous communications.
Requests for Confidential Information : Asking for sensitive data via unsecured channels.

Protecting Yourself: Best Practices

Verify Instructions : Always confirm wiring details through a known, trusted phone number.
Be Skeptical of Emails : Treat unexpected emails with caution, especially those requesting financial transactions.
Secure Your Information : Avoid sharing personal or financial information over email.
Educate Yourself : Stay informed about common scams and tactics used by fraudsters.
Use Trusted Professionals : Work with reputable real estate agents, lenders, and title companies who prioritize security.

What to Do If You Suspect Fraud

If you believe you've been targeted or have fallen victim to wire fraud!

Contact Your Bank Immediately : Request a wire recall.
Notify All Parties : Inform your real estate agent, lender, and title company.
Report to Authorities : File a complaint with the FBI's Internet Crime Complaint Center (IC3) and the Federal Trade Commission (FTC).
Seek Legal Counsel : Consult with an attorney experienced in cybercrime and real estate

Conclusion

Real estate wire fraud is a growing threat in 2025, but awareness and vigilance can protect you. By recognizing red flags and adhering to best practices, you can ensure a secure and successful homebuying experience. Always double-check before you wire funds—it's a small step that can prevent a significant loss.

At FAIRWAY, we do our best to repeatedly educate our home buyers and sellers about the potential for wire fraud and to be extra cautious and trust your gut... if something doesn't feel right, it's a Red Flag and investigate it further by calling your Realtor, Lender and Title Agent immediately.

Protect Your Credit!

Wed, 07 May 2025 14:23:26 GMT

The Home Buyer's Guide to OptOutPrescreen.com.

Silence the Noise and Junk Mail!

The journey to buying a home is an exciting milestone, but it can quickly become overwhelming with paperwork, viewings, and the sudden influx of unwanted financial offers. As soon as you take steps towards securing a mortgage, your contact information can trigger a wave of unsolicited mail and even intrusive phone calls – welcome to the world of trigger leads .

While proactively opting out of pre-approved credit card offers through OptOutPrescreen.com is a crucial first step in safeguarding your credit and decluttering your mailbox, it also provides a vital layer of defense against the often stressful and privacy-invading issue of trigger leads.

Imagine this scenario: you've just taken the significant step of getting pre-approved for a mortgage, a key action in your home buying process. Excitement fills the air as you envision finding your dream home. Then, your phone starts ringing with unfamiliar numbers, and your email inbox overflows with offers from mortgage companies and related service providers you've never contacted. This isn't a coincidence; you've likely become a trigger lead , a hot prospect in the eyes of aggressive marketers.

Understanding the Annoyance of Trigger Leads for Home Buyers

Trigger leads are generated when credit bureaus notify lenders that a consumer has recently made a credit inquiry, such as applying for a mortgage pre-approval. This notification "triggers" these lenders to aggressively market their services to you, often before you've had the chance to research, compare options, or even fully digest your pre-approval terms. While the initial intention might be to offer helpful assistance, the overwhelming reality for many home buyers is a feeling of being bombarded, pressured, and having their personal information exploited.

This unwanted attention can add significant stress to an already demanding period. You're focused on making a sound financial decision for your future, and now you're constantly fielding unsolicited calls and emails from companies you didn't seek out. Furthermore, not all of these contacts will offer the most competitive rates or operate with the highest ethical standards, adding another layer of complexity and potential risk to your home buying experience.

OptOutPrescreen.com: Your First Line of Defense Against Financial Clutter and Trigger Lead Noise

While the primary function of OptOutPrescreen.com is to allow consumers to opt out of receiving unsolicited pre-approved credit card and insurance offers, utilizing this free service established by the major credit reporting agencies (Equifax, Experian, Innovis, and TransUnion) provides an indirect yet valuable shield against the onslaught of trigger leads . Here's how:

Reducing Overall Credit Inquiries: As we've discussed, opting out helps minimize the temptation to apply for multiple new credit cards during your crucial home buying journey . While the act of applying for a mortgage pre-approval is what directly triggers leads, a cleaner credit profile with fewer unnecessary inquiries can make your overall financial activity less of a magnet for aggressive marketing tactics.
Cultivating a Proactive Financial Mindset: By consciously taking control of your mailbox and significantly reducing the flow of unwanted financial solicitations, you establish a proactive mindset towards managing your personal financial information. This empowers you to become more discerning and less receptive to the unsolicited contact that arises from trigger leads . You're already in a mode of filtering out unwanted financial "noise."
Maintaining Focus on Your Chosen Lender: When you actively opt out of pre-approved offers, you are making a conscious decision to limit the financial distractions in your life. This can help you stay more focused on the reputable lender you have carefully selected for your mortgage pre-approval , rather than being potentially swayed or confused by the barrage of unsolicited outreach from other companies capitalizing on trigger leads .

Taking Additional Steps to Minimize Mortgage Trigger Leads:

While OptOutPrescreen is a powerful initial defense, it's crucial for home buyers to understand that it doesn't directly halt all trigger leads stemming from mortgage inquiries. Here are supplementary steps you can take to further minimize this unwelcome contact:

Strategic Mortgage Pre-Approval Shopping: While it's essential to get pre-approved early in your home buying process , be strategic about the number of lenders you approach for initial quotes. Limit your inquiries to a select few reputable and highly-rated lenders to compare rates and terms. Multiple inquiries within a short timeframe are a primary trigger for aggressive marketing. (Ask your lender if they will do a "soft-pull", which will not even show as an inquiry on your credit report and will not impact your scores either. Please note, underwriters do need a full report, however, for preliminary purposes, a soft-pull may be beneficial.)
Communicate Your Contact Preferences: Once you've chosen a lender for your pre-approval, clearly communicate your preferred method and frequency of contact. While they will likely need to reach out with important updates, explicitly stating your desire to minimize unsolicited outreach can be beneficial.
Leverage Call Blocking and Spam Filters: Utilize the call blocking features available on your smartphone and implement robust spam filters for your email accounts. These tools can help you manage and reduce the disruption caused by unwanted contact from trigger leads .
Exercise Caution Online: Be particularly cautious about the amount of personal and financial information you share on various real estate and mortgage-related websites. Some platforms may share your contact details with marketing partners, contributing to the trigger lead issue.
Register with the National Do Not Call Registry: To further combat unwanted phone calls stemming from trigger leads, be sure to register your phone number for free on the government's National Do Not Call Registry at DoNotCall.gov .

The Home Buyer's Action Plan: OptOutPrescreen and Trigger Lead Defense

As you navigate the exciting but sometimes overwhelming path to homeownership, taking proactive steps to manage your financial privacy and minimize unwanted contact is essential. OptOutPrescreen.com is a foundational tool in this effort, helping you declutter your mailbox and indirectly shield yourself from the often-intrusive world of trigger leads .

Make OptOutPrescreen a Priority: As soon as you begin seriously considering buying a home and exploring mortgage pre-approval , visit the official website at www.optoutprescreen.com or call their toll-free number at 1-888-5-OPT-OUT (1-888-567-8688) to opt out of pre-approved credit card and insurance offers.
Shop Smart for Your Mortgage: Research and select a limited number of reputable lenders for your initial mortgage pre-approval process to avoid triggering an excessive number of leads.
Communicate Your Contact Preferences Clearly: Inform your chosen lender about your preferred method and frequency of communication.
Utilize Technology to Your Advantage: Employ call blocking and spam filtering tools to manage and minimize unwanted outreach from trigger leads .
Stay Informed and Vigilant: Understand what trigger leads are and why you might be receiving unsolicited contact. This knowledge empowers you to take proactive steps to protect your privacy and focus on your home buying goals.
Register on the National Do Not Call Registry: Visit DoNotCall.gov to register your phone number and reduce unwanted telemarketing calls related to your mortgage inquiry.

By taking these proactive steps, with OptOutPrescreen.com and the National Do Not Call Registry as key components of your defense, you can significantly reduce the noise and potential intrusion of unwanted financial offers and trigger leads , creating a more focused, less stressful, and ultimately more successful home buying experience. Silence the noise and stay in control of your journey to homeownership... and do it now!

Does it make sense to buy a home, during a recession?

kenp@fairwaymc.com (Ken Pederson) — Fri, 02 May 2025 14:18:06 GMT

Is housing recession proof?

Happy May! Can You Believe the First Four Months of 2025 Are Already Behind Us?

What happens to housing with the potential for a U.S. recession looming —and what that might mean for real estate and mortgage rates .

�� First, What Is a Recession?

A recession is generally defined as two consecutive quarters of a declining economy . In other words, it's a “look-back” event—we can only confirm it’s happening once the data comes in.

So far, reports show the U.S. economy shrunk in the first quarter of 2025 , the first contraction in several years. Whether we’re in a recession right now won’t be clear until the second-quarter data is released in July.

�� So, What Happens to Real Estate During a Recession?

Here’s the good news: History is on our side.

Over the past 75 years, the U.S. has gone through eight recessions , and through nearly all of them, real estate has remained a stable, long-term wealth-building tool .

Yes, there have been bumps along the way. The 2008–2009 housing crash during the Great Recession was a major exception. But outside of that, home values have continued to trend upward , even during economic slowdowns.

If you’re looking at the chart on this page, the gray columns show official recession periods. Notice how home prices don’t collapse with each downturn —they often hold steady or even rise. (See Top Chart Below)

�� What About Mortgage Rates?

Another silver lining: Mortgage rates often decline during recessions.

It doesn’t always happen in a straight line—there’s typically some volatility—but the overall trend during recessionary periods is downward. That means home purchases become more affordable for buyers using financing. (See Bottom Chart Below)

�� So, Is It Smart to Buy During a Recession?

If you're a qualified buyer, the answer is often yes .

While others sit on the sidelines, waiting for the “perfect moment,” savvy buyers take advantage of less competition , more negotiating power , and lower rates that often come during economic slowdowns.

*** Bottom Line:
Real estate has proven resilient time and again. Recessions come and go, but homeownership remains one of the most reliable paths to building wealth —especially when approached with a long-term mindset.

To Your Success,
Ken and Your Home Buying Team at FAIRWAY

PS: If you have questions about buying and/or selling a home in today's market, reach out to us.
email: kenp@fairwaymc.co m

office: 717-431-9299

text: 717-690-3928
Start Your PreApproved Now: www.GetFairwayNow.com

Is It the Prime Time to Sell Your Home?

Mon, 28 Apr 2025 14:07:20 GMT

Is the Wait Over? Now Could

Be the Perfect Time

to Sell Your Home!

Last year saw a significant number of potential home buyers take a step back. The combination of low housing inventory , high home prices , and unpredictable mortgage rates made navigating the market a real challenge. If you were considering selling, you might have hesitated too, unsure of your next move in such an uncertain landscape.

But the real estate market in 2025 is evolving, and for home sellers , the early part of the year could present a golden opportunity.

Inventory is Growing, But the Window May Be Closing

We're finally seeing an uptick in housing inventory . More homeowners are listing their properties, and builders are adding new homes to the market. This is good news for home buyers , offering them more options than they've seen in a while.

However, this increasing housing inventory also signals a crucial point for home sellers . While current inventory is up significantly (28.5% year-over-year according to Realtor.com), it's still below pre-pandemic levels. This creates a sweet spot where demand remains solid, and your property has a strong chance of standing out.

The Seller's Edge: Act Now Before Inventory Surges Further

Here's the key takeaway for sellers : data from Realtor.com shows that housing inventory has been on the rise for 17 consecutive months, and experts predict this trend will continue throughout 2025. As Lance Lambert of ResiClub explains, national active housing inventory for sale is likely to be higher by the end of the year.

What does this mean for you? Selling your house now positions you in a market with growing buyer interest but less competition than you might face later in the year. Waiting could mean your property becomes one of many vying for attention as housing inventory continues to climb.

More Options for Buyers, Strong Position for Early Sellers

The current market offers a compelling balance. Home buyers have more choices, making it a more attractive time for them to jump back into their search. And for home sellers , this increased buyer activity, coupled with manageable current inventory, creates an ideal environment for a potentially quick and profitable sale. By pricing your home strategically with the help of a knowledgeable real estate agent , you can capitalize on this window of opportunity.

The Bottom Line: Don't Miss Your Chance to Shine

The real estate market in 2025 is presenting a clear signal. For home sellers , acting sooner rather than later could be the key to maximizing your success. Don't let the increasing housing inventory later in the year diminish your property's visibility.

Ready to explore how you can take advantage of this prime selling window? Let's connect and discuss your options.

10 Service Dogs Awarded, 10 Lives Changed!

Fri, 25 Apr 2025 18:48:34 GMT

Changing Lives Across the Northeast... FAIRWAY and the American Warrior Initiative!

What a whirlwind of a week it's been! We just wrapped up an incredible three-day journey across three states – a true "Nor'easter" of positive impact that left us feeling deeply inspired. From Connecticut to New Hampshire and finally Massachusetts, lives were profoundly touched, and in some cases, even saved, through the incredible gift of a service dog. We witnessed firsthand how these amazing animals are not just companions, but vital partners offering unwavering support and renewed purpose to their handlers.

Our journey began on Tuesday in Hartford, Connecticut , where we proudly funded two life-changing service dogs for veterans . The gratitude in the room was palpable, a powerful reminder of the sacrifices these heroes have made.

The following day took us to Bedford, New Hampshire , where the generosity continued. We were honored to fund three more service dogs , each one representing a beacon of hope and independence for its future owner. It was truly moving to see the anticipation and excitement of the attendees.

The grand finale of our "Nor'easter" unfolded yesterday at the iconic Gillette Stadium in Foxboro, Massachusetts , home of the New England Patriots. In partnership with Dog Training Elite Boston , we had the distinct privilege of funding FIVE more service dogs . Two deserving veterans were present to receive their new companions, while three additional veterans on the waitlist also had their lives transformed. Adding to the emotional atmosphere was a breathtaking performance of the National Anthem by the incredibly talented 11-year-old Angelo Gray – his voice truly blew everyone away!

So, what's the grand total of service dogs funded this week? An astounding TEN! That's right, ten lives forever changed in just three days.

And now for the truly remarkable milestone (drumroll, please!): this incredible week brings the total number of service dogs funded over the past nine years by the #FairwayNation and AWI to a staggering 400 dogs in 9 years ! The 400th dog, a wonderful companion named Quill, was presented to a very deserving veteran , marking a truly momentous occasion.

None of this incredible impact would be possible without the immense generosity and unwavering support of the leadership of the #FairwayNation, our Branch Network, our employees, our great clients and countless other patriots across the country. Your giving hearts are the driving force behind these life-changing partnerships.

As I've said before, and I'll say it again: none of us can do everything, but all of us can DO ONE THING. And together, those "one things" are creating a powerful wave of positive change in the lives of our veterans through the gift of service dogs .

Navigating the PA Housing Market over the Past 50 Years!

Tue, 15 Apr 2025 17:48:22 GMT

The PA Housing Market

Remains Strong... Despite The Turmoil.

Understand how mortgage rate volatility and economic uncertainty have historically impacted the Pennsylvania real estate market. Explore the resilience of PA home values over the past 50 years.

Recent stock market volatility and bond market uncertainty are indeed influencing mortgage rates. It's been a period of significant fluctuation, prompting many to wonder about the future of the housing market.

This analysis shifts the focus from political debates and Federal Reserve actions to the enduring landscape of real estate in Pennsylvania. Let's examine the past five decades to gain perspective on where the housing market has been and potential future trends for Pennsylvania homeowners and buyers.

The gray bars in the chart above represent past recession periods over the last 50 years. Historically, a recession was defined by three consecutive months of negative GDP growth. It's important to remember that recessions are typically identified after they've begun.

A Historical Perspective on Economic Turmoil and Pennsylvania Mortgage Rates:

* The 1970s witnessed a steady climb in mortgage rates and inflation, reaching a peak of 18.6% in 1981, with an average mortgage rate of 16.6%. The early 1980s brought recessions in 1980 and 1982.

* "Black Monday," the stock market crash of 1987, resulted in a 22% single-day loss, taking two years for recovery.

* The early 1990s saw another recession driven by factors like Fed tightening and a commercial real estate crash.

* Mortgage rates experienced a big jump in 1994 due to unexpected Fed rate hikes.

* The recession of 2001-2002 followed.

* The Great Recession of 2008-2009, fueled by financial sector issues, significantly impacted the housing market nationwide, including Pennsylvania.

* A brief recession occurred in 2020 due to COVID-19, but the economy quickly rebounded.

Now, in 2025, uncertainty persists with a new President, political gridlock, and global tensions, all potentially influencing the economic outlook and mortgage rates.

The Resilient Pennsylvania Housing Market:

Looking at the Pennsylvania housing market over the last 50 years reveals a consistent upward trend in home values, with some dips primarily following the Great Recession. This demonstrates the resilience of real estate as an asset, even during periods of economic turmoil.

While the surge in home prices after 2020 might see some softening in certain local housing markets within Pennsylvania, this is a normal market adjustment. Importantly, housing inventory remains tight in many areas of Pennsylvania, and buyer demand is strong, driven by Millennials and Gen Z entering their prime home-buying years in the Pennsylvania real estate market.

Final Thoughts on Pennsylvania Homeownership:

Trying to time the market or predict the exact movement of mortgage rates is incredibly challenging. A long-term perspective on the past 50 years shows that there has rarely been a truly "bad time" to invest in homeownership in Pennsylvania. Despite economic fluctuations and interest rate changes, owning a home has consistently proven to be a wise, long-term investment.

Stay focused on your goals and navigate the current market with confidence.

If you, a friend, or a client in Pennsylvania is considering purchasing a home, acting now might be the best decision. Don't delay your life goals based on market speculation.

To Your Success in Pennsylvania Real Estate,

Ken and Your Home Buying Team at FAIRWAY

PS: If you have questions about buying a home in Pennsylvania or refinancing your Pennsylvania mortgage, our team is here to help you .

Start Your Pre-Approval Now!

What is a Bank Statement loan?

Thu, 03 Apr 2025 19:58:42 GMT

Bank Statement Loans for Self-Employed Buyers! A new way to finance a home purchase.

Introduction:

Dreaming of owning a home but struggling with traditional mortgage requirements due to self-employment? You're not alone. Many freelancers, small business owners, and independent professionals face challenges proving consistent income with standard documentation. Enter the bank statement loan , a powerful alternative designed for you.

This comprehensive guide will demystify alternative documentation mortgages , also known as alt doc loans , and empower you to understand how to leverage your bank statements to secure your dream home.

What is a Bank Statement Loan?

A bank statement mortgage allows qualified borrowers to obtain home financing by using bank statements to demonstrate their income, instead of relying on traditional pay stubs or tax returns.

"Bank statement loans provide a pathway to homeownership by assessing your financial health through your bank statements and financial history," explains Levon Galstyan, CPA, a leading financial expert. "This is especially beneficial for those whose tax returns don't accurately reflect their true earning potential."

Jake Hill, CEO of DebtHammer, adds, "Lenders analyze your financial activity to determine your risk level and ability to repay the loan, making it ideal for individuals with fluctuating income."

Who Benefits from Bank Statement Loans?

If you're self-employed, a bank statement loan could be your key to homeownership. Common beneficiaries include:

Small Business Owners: Maximize your buying power beyond tax return limitations.
Freelancers and Independent Contractors: Showcase consistent income through bank statements.
Professionals (Doctors, Lawyers, Accountants, Real Estate Agents): Navigate income fluctuations and deductions.
Gig Economy Workers: Prove your earnings with a comprehensive financial overview.
Individuals with Irregular Income: Secure a mortgage despite non-traditional income patterns.

Why Self-Employed Buyers Choose Bank Statement Loans:

Accurate Income Representation: "Tax returns often understate actual earnings due to deductions," notes Levon Galstyan. "Bank statements offer a clearer picture of your financial strength."
Flexibility: Lenders can be more flexible with credit scores and documentation.
Higher Loan Limits: Potentially access larger loans compared to conventional mortgages.

How to Qualify for a Bank Statement Loan (2024 Requirements):

Qualifying for a bank statement loan involves specific criteria, which may vary by lender. Here's a general overview:

Bank Statements: Provide 12 to 24 months of personal or business bank statements.
Self-Employment History: Demonstrate at least 24 months of self-employment, with potential exceptions for 12 months with prior industry experience. Provide a CPA letter as proof.
Financial Reserves: Show sufficient cash or liquid assets to cover multiple mortgage payments.
Professional Verification: Obtain a letter from your CPA or tax preparer validating your business expenses and independent contractor status.
Asset Documentation: Provide records of other financial accounts (401(k), investments).
Business License: Include proof of your business license, if applicable.
Credit Score: Maintain a qualifying credit score (typically 500-620 or higher).
Financial History: Ensure at least 24 months have passed since any foreclosure, bankruptcy, short sale, or deed-in-lieu.
Down Payment: Prepare for a down payment of 10% to 20%.

Pros and Cons of Bank Statement Loans:

Pros:

Increased Borrowing Power: Access higher loan amounts.
Flexibility: Potentially lower credit score requirements.
Versatility: Use for primary residences, investment properties, and second homes.

Cons:

Higher Interest Rates: Expect potentially higher interest rates.
Larger Down Payments: Plan for a significant down payment.
Limited Lender Availability: Not all lenders offer these loans.
Variable Underwriting: Each lender sets its own standards.

Key Considerations Before Committing:

APR and Total Loan Cost: Carefully evaluate the annual percentage rate and overall loan expenses.
Closing Costs: Thoroughly review all closing fees.
Cash to Close: Understand the total cash required, including the down payment.
Long-Term Costs: Calculate the total principal paid after five years.
Payment Penalties: Inquire about late payment penalties.
Repayment Deadlines: Clarify all repayment terms.
Income Stability: Assess your future income sufficiency.
Hidden Fees: Ensure full transparency of all costs.
Loan Alternatives: Explore conventional or FHA loans if applicable.

Bank Statement Loan FAQs:

Can I get a loan with bank statements? Yes, bank statement loans use bank statements to verify income.
What credit score is needed? Typically 500-620, but varies by lender.
What documents are required? Bank statements, self-employment history, financial reserves, CPA letter, asset records, business license, financial history, and a down payment.

The Bottom Line:

Bank statement loans open doors to homeownership for self-employed individuals. While they offer flexibility, weigh the pros and cons carefully. Consult with a knowledgeable lender to explore all options and create a tailored homeownership plan.

Key Takeaways:

Bank statement loans are a viable alternative for self-employed homebuyers.
Qualify using bank statements and asset verification.
Expect potentially higher interest rates and down payments.
Thorough research is critical.

Ready to explore your homeownership options? Contact a qualified lender today to discuss bank statement loans and find the best solution for your unique financial situation.

Phone: 717-431-9299
Text: 717-690-3928

Email: kenp@Fairway.com

Start Your Pre-Approval Now

What is a DSCR Mortgage?

kenp@fairwaymc.com (Ken Pederson) — Thu, 27 Mar 2025 19:53:25 GMT

Investors... DSCR means

no Tax Returns Required!

Unlocking Real Estate Investment and Wealth Creation

Navigating the complexities of real estate financing can be daunting, especially for investors, those recovering from credit challenges, or individuals may not show sufficient income for conventional financing. This article demystifies key lending options, including Debt-Service Coverage Ratio (DSCR) loans, non-QM mortgages, derogatory credit events, and empowering you to make informed decisions in today's dynamic market.

DSCR Loans: Maximizing Investment Potential

For real estate investors seeking to expand their portfolios, Debt-Service Coverage Ratio (DSCR) loans offer a powerful financing solution. These loans are specifically designed for rental properties, focusing on the property's cash flow rather than the borrower's personal income.

How DSCR Works: Lenders calculate the DSCR by dividing the property's gross estimated rent by the total loan expenses (principal, interest, taxes, insurance, association dues).
If the ratio meets the lender's requirements, the loan can proceed without traditional income verification or debt-to-income (DTI) ratios.
Benefits for Investors: Streamlined qualification process.
Focus on property potential, not personal finances.
Tailored programs for both experienced and first-time investors.
Only the subject property is analyzed. Lenders do not look at tax returns, 1099's or W2's and if you own other properties, those two are excluded from income analysis. There is no debt to income ratio.

Credit Challenges: Non-QM Mortgages, such as DSCR

For homebuyers who have experienced past credit setbacks, non-Qualified Mortgage (non-QM) loans can provide a pathway to homeownership. These programs offer shorter seasoning periods for derogatory credit events compared to traditional mortgages.

DSCR loans and other types of non-QM financing can be more lenient towards credit scores and/or negative credit events as compared to conventional financing.

If you want to learn more about DSCR programs and creating wealth thru Real Estate... reach out to us, we are here to serve.

Stop Waiting, Start Owning!

kenp@fairwaymc.com (Ken Pederson) — Mon, 10 Mar 2025 13:47:42 GMT

Why Today's Market Beats Tomorrow's Regret.

"Yesterday was the best time to buy a home, but the next best time is today." That adage rings truer than ever in today's real estate market. With persistent home value appreciation and fluctuating mortgage rates, many prospective buyers are caught in a "wait and see" dilemma. However, timing the market is a risky strategy that could lead to significant financial setbacks.

Debunking the Myth: Home Prices Won't Plunge

The notion of a dramatic price drop is largely wishful thinking. According to Fannie Mae's Home Price Expectations Survey, experts predict sustained home price growth through at least 2029. While the frenzied spikes of recent years have subsided, a steady, sustainable annual increase of 3-4% is projected nationwide, signaling a return to a more balanced market.

The Cost of Waiting: Real Numbers, Real Impact

Waiting for the "perfect" moment can be costly. Here's why:

Rising Purchase Prices: As home values climb, the longer you wait, the more you'll pay for the same property.
Rate vs. Price Trade-Off: Even if mortgage rates dip slightly, rising home prices can offset any potential savings, making waiting more expensive overall.
Equity Building: Buying now allows you to start building equity immediately, leveraging the consistent appreciation in home values.

Example:

Consider a $400,000 home purchased today. Based on projected appreciation, that home could gain over $83,000 in value within five years. That's substantial wealth creation that you'd miss by staying on the sidelines.

The Supply and Demand Equation:

Despite increased inventory compared to recent years, the housing market remains a supply-constrained environment. Demand continues to outpace supply, putting upward pressure on prices. As Redfin notes, "Prices will rise at a pace similar to that of the second half of 2024 because we don’t expect there to be enough new inventory to meet demand."

Time in the Market vs. Timing the Market:

Real estate favors those who participate, not those who speculate. Instead of trying to predict market fluctuations, focus on your individual circumstances and financial readiness.

Strategies for Success:

Explore diverse neighborhoods.
Consider alternative housing options like condos or townhomes.
Consult with a lender about flexible financing solutions.
Investigate down payment assistance programs.

When you have questions about buying a home, reach out to your favorite FAIRWAY Loan Officer or call the office at 717-431-9299 and ask for assistance or email me at kenp@fairwaymc.com/ We Serve People.

#How tobuyahome #Firsttimehomebuyers #Moveupbuyers #FairwayPA

Navigating the Return to Office:

Thu, 06 Mar 2025 15:31:59 GMT

Relocation Strategies for Remote Workers.

The landscape of work is shifting. As companies increasingly transition from remote to hybrid or fully in-office models, employees are facing pivotal decisions about their living situations. For many, the flexibility of remote work has become intertwined with their lifestyle choices, and the prospect of a mandatory return to the office is prompting serious contemplation.

The Reality of Return-to-Office Mandates:

Recent data reveals a significant trend: over half of remote workers acknowledge they would need to relocate or endure lengthy commutes if their employers enforced a full return to the office. This shift is reshaping housing markets and forcing professionals to weigh career stability against location preferences.

Key Considerations for Remote Workers:

Commute vs. Relocation: The decision to stay put and endure a long commute versus relocating closer to the office is a complex one. Factors such as commute time, cost of living, and quality of life play a crucial role.
Housing Market Impact: The return to office is influencing housing markets, particularly in urban areas. Increased demand for housing near major employment centers is driving up prices and competition.
Lifestyle Adjustments: Relocating or enduring long commutes requires significant lifestyle adjustments. Remote workers accustomed to flexibility and work-life balance must adapt to new routines and schedules.
Exploring New Locations: For some, the return to office presents an opportunity to explore new locations and seek out more affordable or desirable living environments.

Making the Right Decision:

If your work situation has changed, consider these questions:

What are the long-term implications of a daily commute on your work-life balance?
How does the cost of living in your current location compare to areas closer to your office?
Are you open to exploring new cities or regions that offer better job opportunities and living conditions?
How does the current housing market impact your decisions?

When you have questions about buying a home or selling and buying, we are here to assist you. Reach out, contact your FAIRWAY Loan Officer or call the office at 717-431-9299.

How much money do I need to buy a home?

kenp@fairwaymc.com (Ken Pederson) — Thu, 06 Mar 2025 15:19:53 GMT

How much money do I need

to buy a home?

Dreaming of owning your own home? You've likely focused on saving for a down payment, and that's a great start. But what if we told you that even after reaching your initial savings goal, continuing to build your reserves is one of the smartest moves you can make? In today's competitive real estate market, having extra cash on hand provides a significant advantage. Let's delve into why "keep on saving" is more than just a suggestion – it's a strategy.

The Comfort Factor: Financial Peace of Mind

Buying a home is a major financial undertaking. The more money you have saved, the greater your sense of security throughout the process. Knowing you have a financial cushion can alleviate stress and allow you to focus on the excitement of finding your dream home.

Streamlining the Mortgage Approval Process

Lenders appreciate borrowers with substantial savings. A robust financial profile, including ample cash reserves, demonstrates financial stability and reduces risk. This can lead to a smoother and faster mortgage approval process, giving you a competitive edge.

Navigating Unexpected Homeownership Costs

Homeownership comes with its share of surprises. From minor repairs to unexpected maintenance, costs can arise after you close. Having extra savings readily available allows you to handle these expenses without resorting to high-interest credit cards, protecting your financial well-being.

Strengthening Your Offer in a Competitive Market

In a seller's market, multiple offers are common. Sellers often favor buyers with strong financial backing. Having a larger down payment or demonstrating substantial savings can make your offer more attractive, giving you greater leverage for negotiations.

The Power of Negotiation

With more funds available, you gain flexibility in your negotiations. You might be able to offer a larger earnest money deposit, cover closing costs, or even have room to negotiate on the purchase price itself. This flexibility can make a significant difference in securing your ideal home.

We help people buy homes without much money every month. Do not let this article scare you into thinking you must have all this extra money. In fact, we help people buy homes with No Down Payment and Closing Cost Assistance, all the time. This is just advice, if planning and you can save extra, do.

When you have questions about buying a home, call us at 717-431-9299 or text to: 717-690-3928.

Get Your Pre-Approval Started Now!

Unlock Your Retirement Dreams: Downsizing in Pennsylvania

Tue, 28 Jan 2025 21:06:56 GMT

Is it Time to Sell? Your Equity

is a Powerful Financial Tool.

Retirement is on the horizon, and you're likely dreaming of a life filled with freedom and financial security. But have you considered the untapped wealth residing within your own home?

Home values have surged in recent years, significantly boosting your net worth. According to the Federal Housing Finance Agency (FHFA), home prices have increased by nearly 60% in the last five years alone. This appreciation translates to substantial equity, a valuable asset that can significantly enhance your retirement lifestyle.

Why Downsizing Might Be the Right Move for You

Selling your current home and downsizing to a smaller property or relocating to a more affordable area can unlock this hidden equity. Here's how:

Reduce Your Cost of Living: A smaller home often means lower utility bills, property taxes, and maintenance costs, significantly reducing your monthly expenses.
Simplify Your Life: Say goodbye to the burdens of a large property. Less upkeep translates to more time and energy to enjoy your retirement pursuits.
Boost Your Financial Flexibility: Accessing your home equity provides a significant cash infusion. Utilize it for travel, debt reduction, or simply creating a comfortable financial cushion for the future.

The First Step Towards Your Next Chapter

Ready to explore your downsizing options? Partnering with a qualified real estate agent is crucial. Your agent will:

Assess your home equity and advise on the best strategies for utilizing it.
Guide you through the entire selling process, from listing to closing.
Help you find a new home that perfectly suits your retirement lifestyle and budget.

(Reach out to us if you need assistance in finding a top-notch Realtor in your area.

Embrace a New Chapter in 2025

If you're planning to retire in 2025, now is the ideal time to explore downsizing and unlock the equity you've built in your home. By strategically leveraging your home's value, you can pave the way for a comfortable and fulfilling retirement.

When you have questions about Bridge Loans, Swing Loans, Non-Contingent Offers or similar topics, call us or text to 717-690-3928.

You Can Start Your Pre-Approval Here!

Trump Demands Lower Interest Rates

Fri, 24 Jan 2025 19:04:05 GMT

Lower Rates??

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Local Housing Market Update 2025: More homes for sale?

Fri, 17 Jan 2025 19:36:53 GMT

Housing Update: Active Listings for 2025!

Are you wondering if there are more homes for sale in the local market as we head into 2025? Let's take a look at the 2024 year-end results for Lancaster, York, Adams, and Lebanon Counties.

Inventory Trends:

The good news is that active listing counts have shown growth over the past two years. This suggests we may be moving out of the trough and towards a more balanced market. However, inventory remains tight in these four counties, with only a 1.1-month supply of homes available.

What This Means for Buyers:

In this competitive market, some homes sell quickly (within days), while others may take longer. To strengthen your position as a buyer, it's crucial to have a strong pre-approval letter from a reputable local lender.

Get Pre-Approved with Fairway:

At Fairway, we can provide you with a full pre-approval, giving you a competitive edge in making an offer. Contact us today to learn more about how we can help you navigate the Lancaster County housing market and secure your dream home.

Get Pre-Approved Now at www.GetFairwayNow.com

Home Buyer Myths... debunked!

Tue, 26 Nov 2024 17:13:05 GMT

A Guide for First-Time Buyers!

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How will the Election impact Real Estate now and in 2025?

Fri, 01 Nov 2024 19:31:03 GMT

How has the election impacted rates and home sales this year and what happens next year?

Election day is just days away on the calendar. My vote has been cast already, as I'll be traveling on Tuesday and I wanted to avoid any lines or delays that could derail me. In reading the Lancaster newspaper on Wed, I'm not the only person that voted early. The article noted one day they counted up to 2000 people on line to vote early... WOW!

Good to hear people are voting. I know the pandemic in 2020 had a big impact on how people were able to vote, I'm assuming the flexibility of being able to vote in different manners is just carrying over?

How is this election impacting you and me in the Real Estate community? Before I go into this, here are a couple of items you should know. Most years, despite which party wins the election, home sales tend to rise after an election year. (See graphics below). While whoever wins will take credit for rising home sales, we know much of it was going to happen anyway. The fight on inflation started 1.5 years ago, neither party can claim they conquered inflation in 2025.

1. Not totally unusual, however, some buyers are waiting on the sideline to see who wins the election. Their comfort level with what will happen to the economy, depending on who wins is keeping them on the fence. As we can see below, despite what happens on Tuesday, many of these buyers will get off the fence.

2. The run-up to the election has had an impact on the stock/bond markets, which in turn, has an impact on mortgage rates. Mortgage rates, highly impacted by the bond market, have been trending up, almost since the Fed rate cut in September. Bonds and therefore mortgage rates do not like uncertainty and there is a lot of uncertainty in the markets today. We do expect lower mortgage rates as we head towards the end of 2024 and into 2025... give it time.

3. What will happen with inflation if A or B wins? The Fed has been fighting inflation since 2022 with a series of notably severe Fed Funds increases and just this year are seeing signs of winning the battle and inflation falling to their expected levels. Put this on the side of uncertainty which adds to the volatility of the markets and this fear and uncertainty pushes bond prices down, mortgage rates up. The fight against inflation is difficult and can be slow, however, it started almost 2 years ago now.
4. While the Federal Reserve is not controlled by the President and does it's best to stay neutral. It is an independent and non-partisan organization. However, any fiscal policy that is enacted by Congress and signed into law, must be taken into the Fed's analysis of the economy and how they view inflation and employment. Those are the two primary concerns of their actions... inflation and employment/unemployment. If A or B wins, will the Fed be able to maintain their stance of further Fed rate cuts this year and into 2025?

Most importantly, get out there and vote on Tuesday, if you haven't already. Listen in and I'll give you my opinion of politics and the election.

To Your Success,

Ken and Your Home Buying Team at FAIRWAY

Home Rule in Lancaster City, what is it?

Fri, 25 Oct 2024 19:35:53 GMT

How will this impact residents and workers in and around the City?

The upcoming Home Rule vote on November 5th could have significant implications for the local housing market. Uncertain about the potential impact on property taxes and affordability? Unsure of what Home Rule even means? You are not alone.

What is Home Rule and why is it important that you know more about it? I am no expert on it, however, since Lancaster City residents are voting on in less than two weeks, I felt it was important to provide some basics.

Did you know, it's almost like creating a new government, in fact, it's called a new constitution for Lancaster City. Don't worry about the terminology, the City will still be bound by the US and PA constitutions.

Home Rule is being proposed and voted on, to give more power to the City to to utilize 4 different taxes (not new taxes) to help the City avoid running a deficit budget. The thought process is a one-size fits all, as passed in Harrisburg, may not be best for Lancaster City.

Lancaster City only collects 4 taxes, the Property Tax, Earned Income Tax (EIT), Local Services Tax and the Real Estate Transfer Tax. The Property Tax is currently the only tax the City has local control over. One argument that proponents of Home Rule note is: The current necessity of having to raise property taxes, as the cost of services in the City (Fire, Police, Public Safety and more) go up will place an undue burden on Home Owners and especially on retirees on fixed budgets and lower income families.

Those in favor of Home Rule, believe the Earned Income Tax would be a better way to pay for some of these Gov't services as it is directly tied to one's earnings. If your pay goes up, the tax goes up and vice versa if/when your pay goes down.

There are also restrictions within Home Rule as to how much taxes can be increased in any given year.

Home Rule is not new to PA... there are Counties and other similar cities across the State that have adopted Home Rule. In fact, Home Rule has been voted on before in Lancaster.

Can the EIT and Property taxes be raised in the same year. Can the Real Estate Transfer Tax be increased, making housing potentially even more expensive, what happens if Home Rule isn't adopted? How would an increased Real Estate Transfer Tax in Lancaster City impact the housing market and your business?

This quick read is not designed to sway you one way or the other. This is meant to give you a bit of information about a large decision that is being voted on, by City residents only, on Nov 5th.

Here is a link to an FAQ about Home Rule in Lancaster City, click the link: https://www.homerulefaq.com/

More information can also be found at www.CityofLancasterPA.gov

C. Emlen Urban Event was a HUGE Hit! "Urban Legend"

Mon, 30 Sep 2024 14:27:43 GMT

Our "Urban Legend" event was a HUGE Hit! C. Emlen Urban almost comes to life.

On Thursday, Sept. 26th, we hosted Gregory Scott, the premiere expert on C. Emlen Urban and author of the book, "Urban Legend, the Life and Legacy of C. Emlen Urban" for our local community.

Mr. Scott provided a fascinating and captivating story about Urban and how his book came to be. "Produced and created locally, for the love of Lancaster City."

The testimonials from our audience of 100 tells a story by itself. Here are a few of them:
“Great”, “Very interesting and well done!” Jack Hess
“Loved it, Excellent. I knew nothing about Urban, so this was fabulous.” Kendra Rhinier
“Awesome, Great!” Jerry Fisher
“Great! Wonderful! Informative and interesting.” Jane Megginson
“Excellent! Great Presentation!” James Clymer
“Great history and story teller… Great event!” Todd Ulrich
“Fantastic! Amazing presentation, I was captivated. Captivating presentation that held my attention throughout. This was such a historical odyssey in a 7 year period!” Becky Bittle
“Outstanding! Fantastic. Well done!” Rob Althouse
“Outstanding. Very fascinating. Mr. Scott is a great story teller. His enthusiasm was so engaging.” We truly appreciate the opportunity and are grateful to be invited to learn this piece of not only Lancaster’s history, but also American History. My children often fussed with me for always looking up at and into the buildings and hallways we passed on our visits to different places. What I loved was seeing the architecture.? Andre and Laurie Lijoi
“It was awesome. Great. This is the kind of event we need more of!” Ruthi Schultz
“Loved in! Excellent. Great speaker, so entertaining. Thank You!! Cheryl Fuss

More events with Greg Scott are being planned as our clients and community want to learn more about the culture and history of our City, County and some of the special people that helped to shape who we are.

Discover Lancaster's Hidden Gems... Special Invitation!

Wed, 28 Aug 2024 21:01:41 GMT

Who is C. Emlen Urban... Join us and learn all about him and his fascinating story!

Save the date and time on your calendar now and click the link below to register… This is a do not miss Event and it’s free, with lunch included.

Join us for a presentation by Gregory Scott, the author of:
“ Urban Legend, The Life and Legacy of C. Emlen Urban ”.

Gregory Scott is a local partner emeritus at RLPS (Reese, Lower, Patrick and Scott) Architects and now writes for the local newspaper

and is an expert on “The Life and Legacy of C. Emlen Urban.” His presentation about Urban is fast, smart, witty and just fascinating.

If you are asking yourself who “Urban” is, imagine you are on a corner of any street in downtown Lancaster, now look around. One or some or all of the buildings, were designed by Urban, Lancaster’s most notable architect. He was born right here in Lancaster and had over 600 commissions… an inspiring story, he graduated last in his class in HS which was the end of his formal education.

If you enjoy local history, if you enjoy downtown Lancaster, if you enjoy inspiring, true local stories and content, then you are going to love this fascinating presentation about C. Emlen Urban by Gregory Scott.

You can register right here, click now:

This is an “open” event and we will be inviting our community shortly. Save your place now, we have limited seating.

Thurs. Sept 26 ^th
11:45AM to 1:15PM
Eden Resort Inn
Lunch Included
No Cost
Informational, Educational and Inspirational… all for You!
Bring a friend or co-worker too! (AOK to forward this)
We have some very cool door prizes too!!

You can register right here, click now:

Maybe you have seen the display in the storefront on Queen Street depicting his drawing room or have you seen the book for sale in different boutique shops downtown?

Our goal… to bring value, to bring fun, to bring the three ion’s to you:

Information
Education
Inspiration

See you on the 26 ^th !!

Home Sellers, Avoid Costly Mistakes. The Value of The Price!

Mon, 26 Aug 2024 18:21:31 GMT

Home Sellers, Avoid Costly Mistakes.

The Value of Pricing Your Home Properly from the Start...

Thinking of selling your home? Avoid costly mistakes by partnering with a trusted real estate agent to determine the optimal asking price. Here's why:

1. Accurate Pricing Reflects Current Market Conditions:

Understand the Shift: The housing market has evolved significantly since the pandemic. Relying on outdated pricing strategies can lead to underselling or overpricing.
Expert Guidance: Real estate agents stay up-to-date on market trends, ensuring your home is priced competitively based on current conditions. Over-pricing your home upfront can lead to less showings and offers and a longer sales cycle.
The best pricing strategy is to listen to your Realtor, price the home accordingly and let the buyers potentially bid up the price.

2. Prioritize Market Value Over Personal Goals:

Avoid Emotional Attachments: Pricing your home based on desired profit rather than its actual value can hinder the selling process.
Comparative Analysis: Agents conduct comprehensive market analyses to compare your home with similar properties, ensuring accurate pricing.

3. Strategic Pricing Attracts Buyers:

Avoid Overpricing: Pricing your home too high can deter potential buyers, leading to fewer offers and a longer selling time.
Competitive Edge: A well-priced home attracts more interest, potentially resulting in multiple offers and a higher selling price.

Conclusion:

Partner with a Professional: A knowledgeable real estate agent provides objective insights, market expertise, and strategic guidance to help you achieve the best possible selling price.
Avoid Costly Mistakes: By understanding current market conditions, prioritizing accurate pricing, and working with a trusted agent, you can maximize your home's value and ensure a successful sale.

Buying a home? Do these two things first, right now!

Tue, 06 Aug 2024 14:00:29 GMT

Who likes unsolicited and annoying phone calls? Who likes to protect their privacy?

Act now, the sooner the better and it's FREE.

So, you've decided to take the exciting leap into homeownership! Congratulations! This journey is filled with anticipation, but also a few logistical steps. Before you dive headfirst into open houses and mortgage Pre-Approvals and applications, let's tackle two crucial actions that will save you time and frustration down the road and protect your privacy too. These services can take up to several days or more to take effect, take action on your behalf now.

Step 1: Opt-Out of Prescreened Credit Offers (OptOutPrescreen.com)

The excitement of buying a home can be quickly dampened by an influx of unsolicited credit card offers and loan pitches. These "pre-screened" offers come courtesy of the information in your credit report, which credit bureaus can sell access to under certain circumstances.

To take control of your information and reduce unwanted calls and mail, head over to OptOutPrescreen.com . This website, managed by the credit bureaus themselves, allows you to opt-out of receiving prescreened credit offers for five years. It's a quick and easy process that can significantly reduce the marketing noise bombarding you during this crucial time.

Step 2: Silence the Ringing – Join the National Do Not Call Registry (DoNotCall.gov)

Imagine finally finding your perfect home, only to be interrupted by endless telemarketing calls. Prevent that scenario by registering your phone number with the National Do Not Call Registry at DoNotCall.gov . This free service from the Federal Trade Commission prohibits telemarketers from contacting you within 31 days of registration. It's a simple step that can save you precious time and maintain your peace of mind while you navigate the home buying process.

Bonus Tip: Take advantage of online tools offered by lenders and real estate agents. Many provide free credit score estimates and pre-qualification options that won't impact your actual credit score.

These two initial steps are a small investment of time that will pay off in a big way as you embark on your home buying journey. Now, go forth and conquer the exciting world of open houses and mortgage applications, all while minimizing unwanted calls and protecting your valuable information!

When you have questions about buying a home, reach out to us at 717-431-9299.

Veterans, Soldiers and Reservists... No Money Down, Your Ticket to Homeownership!

Mon, 22 Jul 2024 16:26:23 GMT

Is Your Dream of Homeownership Out of Reach? Thing Again!

For our nation's Veterans, soldiers, and reservists, the path to homeownership can be significantly smoother thanks to the VA home loan. One of the most enticing benefits of this program is the potential to purchase a home with No Down Payment.

That’s right. You read it correctly. No Down Payment .

This isn’t some pie-in-the-sky dream. It’s a tangible reality for countless qualified Veterans and active-duty service members. Imagine the freedom of bypassing the often daunting hurdle of saving for a down payment. It's like having a golden ticket to the homeownership rollercoaster without having to wait in line.

But let's be clear: while the VA waives the down payment requirement, other eligibility criteria apply. Not everyone qualifies. That's where understanding the program's ins and outs becomes crucial. And that's where we come in.

Stay tuned as we dive deeper into the VA home loan, exploring eligibility, interest rates, and other perks that make this program a game-changer for our nation's heroes.

Are you a Veteran or active-duty service member eager to learn more? Or perhaps you're a Realtor looking to expand your knowledge of VA loans? Either way, you're in the right place. Keep on reading!

Here's the Deep Dive and 5 more Key VA Home Loan Benefits!

We established that the VA home loan eliminates the down payment hurdle, opening doors for Veterans and service members. But the benefits extend far beyond that initial step. Here are some additional gems:

1. Sharing the Burden: Seller Pays Closing Costs

Negotiating closing costs can feel like a high-stakes game of tug-of-war. With a VA loan, the seller can actually contribute to those closing costs, easing the financial burden on the Veteran buyer. This can make a significant difference, especially in competitive markets.

2. Long-Term Savings: State Tax Exemptions for Disabled Veterans

In many states, Veterans with a 100% disability rating from military service are exempt from paying state real estate taxes! This translates to major long-term savings, making homeownership even more affordable. (Pro Tip: Check with your local Realtor or state government to confirm specific exemptions in your area This benefit varies by State and other criteria.)

3. Lifetime Benefit: Use Your VA Entitlement Again and Again

The VA home loan program isn't a one-time shot. As long as you meet eligibility requirements and haven't had any foreclosures or short sales on previous VA-backed homes, you can use this benefit multiple times! This opens doors for upsizing, downsizing, or even investing in rental properties.

4. Double Duty: Owning Two VA Homes (For Some)

Under certain conditions, it's possible to hold two VA mortgages simultaneously. This isn't for everyone, but for qualified Veterans, it offers flexibility for various scenarios, such as owning a primary residence and a vacation home.

5. Breaking News: VA Buyers Can Now Pay Agent Commissions (Effective August 10th, 2024!)

This is a brand new perk for Veterans! Due to recent changes in commission laws, Veterans utilizing VA loans can now use their entitlement to cover the buyer's agent commission, which is often a requirement in today's market. This eliminates a previous stumbling block and streamlines the home buying process.

Ready to Unlock Your VA Home Loan Advantage?

These are just a few of the many benefits that make VA home loans a fantastic option for our nation's heroes. If you're a Veteran or active-duty service member considering homeownership, don't navigate the journey alone.
At FAIRWAY, we like to give back too, so ask about our Frontline Rewards Program, designed to help you save money at the table.

Contact us at kenp@fairwaymc.com or call the office at 717-431-9299. Let's discuss your eligibility, explore available options, and help you turn the dream of homeownership into a reality!

Equal Opportunity Lender
Branch NMLS: 2289

Self-Employed Home Buyers: Qualify for a Home Without Needing Tax Returns.

Mon, 24 Jun 2024 22:05:16 GMT

Discover how self-employed home buyers can purchase a home using their 1099's instead of tax returns.

Introduction:
Self-employed (SE) home buyers often face qualifying issues, particularly if they lack two years of self-employment history. Many times, their tax returns do not show enough income to qualify for standard loan programs, such as Conventional, FHA, VA, and USDA/Rural Housing loans.

New Loan Programs:
Fortunately, there is good news for some SE buyers. New loan programs are now available that allow lenders, like FAIRWAY, to qualify buyers to purchase their primary residence, using their 1099s instead of their tax returns. These are known as non-conforming loans and have been available for a while.

Down Payment Requirements:
SE home buyers will need to put down a minimum of 10% of the home's sale price, depending on the home usage and credit scores. This is a crucial detail to keep in mind. More information below.

Employment History:
Typically, SE home buyers need to have been in business for at least two full years to qualify for most standard programs. However, this new program offers some flexibility. Only one year of 1099s is required if the buyer can document that their prior job was W2 and in the same line of work. This two-year history requirement often keeps many SE buyers out of the marketplace.

Investment Properties:
This program can also be used to purchase rental properties or 1-4 unit investment properties. When using the 1099 Home Loan Program, the down payment and interest rate will be based on the intended use of the home (Primary Residence or Investment Property) and the buyer's credit scores.

Conclusion:
For self-employed home buyers, these new loan programs offer a viable alternative to traditional lending requirements. By using 1099s instead of tax returns, more SE buyers can achieve their dream of homeownership.

"Learn how self-employed home buyers in PA can qualify for home loans using their 1099s instead of tax returns. Discover the benefits of non-conforming loans and how FAIRWAY can help you secure your dream home."

For more information on this program, or any of our other loan programs, call our office at 717-431-9299 and ask for one of our experienced and courteous Loan Officers or email at kenp@fairwaymc.com

Buying or Selling? Offer a Little Extra Love

Wed, 27 Feb 2019 14:54:53 GMT

When you’re buying or selling a home, the finances, the inspections, and all the other nitty gritty details are important. But at the end of the day, you’re a buying a home from — or selling a home to — another human being. Making a kind gesture can go a long way in terms of enticing a seller to choose you or incentivizing a buyer to select your property. Here are some ways to show buyers or sellers some love.

If you’re trying to buy a home — especially in a competitive real estate market, and especially if you’re making an offer under asking price — you could provide the seller with an offer letter that waives a few contingencies. For

example, waiving your inspection contingency or at least shortening it will tell the seller that you’re serious and willing to take this risk. Your offer will stand out as one that can get done quickly and hassle-free. I’d be happy to guide you through this process.

If you don’t need some of your furniture or window coverings in your new home, why not offer to include some of them in the sale? Filling up a new home with furniture is costly, and if your potential buyers have a lot of it to buy, they may be incentivized if they know they’ll save money on furniture and decor. If it’s furniture you were planning to get rid

of anyway, it also takes away the potential headache of having to figure out what to do with it.

For new homebuyers, the down payment and closing costs can be overwhelming, and that’s before you factor in recurring costs of homeownership. If you live in a neighborhood or building that charges HOA fees, one way to incentivize buyers is to extend a credit on HOA dues. You can do it for the time of your choosing, such as six months or one year, which takes some

financial pressure off the buyer. Just have your realtor check that there aren’t any issues with your buyer’s lender since some have guidelines around seller credits.

If you’re ready to make a move and need help getting pre-approved for a mortgage, give me a call, text or reply to this email to talk about your next steps.

Ken Pederson

Branch Manager, MMS

FAIRWAY Independent Mortgage Corp.

717-431-9299

kenp@fairwaymc.com

https://www.KenPedersonLoans.com `

nmls: 134943

Video from Ken

Sat, 23 Feb 2019 12:02:27 GMT

Here is the scoop on PMI and FHA MIP

Can I get rid of PMI? What about with FHA, can I get out of the HFA MIP? Sometimes it can be difficult to get the full story… and, even here, I’m only going to give you a few bits. If you ever need more info on this, call me or write.

Are you planning on buying a home this year, 2019? if yes, you should pick up the phone and call me now… get the ball rolling. Call me 717-690-3928. Or, click on the Home Buyers APP below and jump start the Pre-Approval Process.

I know it’s scary… but why wait… click on the link below and get started now! We’ll take great care of you, help you, teach you, guide you and do our very best, to help you buy a home and understanding the process at the same time. Click now.

Ken’s Website

Free Home Buyers APP

Search for Your Home

Ken Pederson

Branch Manager, MMS

FAIRWAY Independent Mortgage Corp.

717-431-9299

kenp@fairwaymc.com

https://www.KenPedersonLoans.com `

nmls: 134943

Get your “Welcome Home” guide for Home Buyers… no cost

Sat, 16 Feb 2019 12:29:21 GMT

Here is the scoop on PMI and FHA MIP

Hi ,

Short and sweet… get your free copy of my "Get
Home" booklet, click right here… Get_Home_KP_KP.pdf Free, no forms to fill out, no subscriptions and no annoying phone calls. Just good information for people like you, that are thinking about
buying a home.

To Your Home Buying Success,

Ken and Your Home Buying Team at FAIRWAY

Get my free Home Buyers APP at FairwayMobile.com The best mortgage calculators, shop for homes directly on the MLS, get your pre-approval started and much more. The tools
you want, in the palm of your hand. Go to FairwayMobile.com right now.

Ken's Korner for Home Buyers… Your source
for all of the questions you have, the information you want about buying a home in today's market. 717-431-9299.

Quietly, mortgage rates have fallen over the past 45 days

Fri, 15 Feb 2019 12:22:38 GMT

Here is the scoop on PMI and FHA MIP

Happy Monday to you and I hope you are enjoying the weather! With interest rates falling over the past few weeks, some of our clients are taking advantage and restructuring, refinancing their home loan(s). Listen in to this short video and you’ll hear a few different ways that are clients are taking advantage of the timing.

* Simple refinance into a lower rate or different program with lower PMI

* Mortgage consolidation with home equity loan or line of credit
* Mortgage and debt
consolidation, to improve cash-flow and creating a plan to accelerate on the mortgage
* Restructuring their loan into a shorter term
* Renovation loan for home addition or renovations

And more… have questions or want to discuss… give us a call at 717-431-9299. And for disclosure purposes. (This is not a commitment letter and not everybody will qualify for a refinance of the scenarios posted here.)

All the best,

Ken and Your Home Financing Team at FAIRWAY

Ken’s Website

Free Home Buyers APP

Search for Your Home

Ken Pederson

Branch Manager, MMS

FAIRWAY Independent Mortgage Corp.

717-431-9299

kenp@fairwaymc.com

https://www.KenPedersonLoans.com `

nmls: 134943

fairway-independent-mortgage-corp

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�� Ready to Learn More?

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A Quick Story: Hiking With a Heavy Pack

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Short-Term Discount, Long-Term Gain

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A Real-Life Example

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Do you need perfect credit to buy a home? Check this out...

Many people believe they need higher scores than they actually do.

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all in one loan program!!

to Sell Your Home!

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