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

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.

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