| Mortgage Loan Options
Types of Home Loan Programs
From buying your dream home to accessing home equity, we have the mortgage loans to achieve your goals.
CONVENTIONAL
I have a strong credit score and steady income, and I want a competitive loan option.
Lower interest rates with good credit
Reduced or cancelable mortgage insurance
Flexible loan terms and options
FHA
I want easier credit requirements and more flexible qualification guidelines.
Lower credit score requirements
Smaller down payment options
Flexible income and debt guidelines
VA
I am a Veteran or Active Duty service member and want to use my VA benefits.
No down payment required
No monthly mortgage insurance
Competitive interest rates
DSCR
Debt Service Coverage Ratio
I want to qualify using rental income instead of personal income
Qualify using rental income
No personal income verification
Ideal for real estate investors
JUMBO
I need a larger loan amount than standard county limits allow.
Higher loan limits for luxury homes
Competitive rates for well-qualified buyers
Flexible property options
USDA
I want to live in a rural or suburban area and need affordable financing.
No down payment required
Low monthly mortgage insurance
Competitive interest rates
REVERSE
I am 62 or older and want to use my home equity for retirement cash flow.
No monthly mortgage payments required
(must pay critical property charges like taxes and insurance)Possibly access home equity as tax-free cash
Stay in your home while maintaining ownership
REFINANCE
I want to improve my current mortgage to better fit my financial goals.
Lower payments or better terms
Access home equity if needed
Simplify or restructure debt
TEAM CD MORTGAGE BLOG
New HECM Limits for 2026
The 2026 HECM limits are here. Learn how the new $1,249,125 FHA limit may increase your options. ...more
Reverse Mortgage
January 15, 2026•3 min read
VA Loans in Arizona: A Quick Guide for Veterans, Active-Duty, and Military Families
VA Loans in Arizona offer zero down, flexible credit, and low rates. Learn eligibility, benefits, and how to buy or refinance a home. ...more
Mortgage Education ,Home Buyer Tips Homeownership & Equity &Veteran Loans - VA
January 12, 2026•2 min read
Conventional Loans in Arizona: Requirements, Benefits & Expert Tips for Homebuyers
Learn how conventional loans work in Arizona, including requirements, down payment options, mortgage insurance rules, and advantages over FHA loans. Discover whether a conventional loan is the right f... ...more
Loan Programs ,Conventional Loans &First Time Home Buyer
December 03, 2025•4 min read
HECM vs. HEI: Understanding the Safer Way to Tap Home Equity in Retirement
Unlocking home equity in retirement? Discover the key differences between a federally insured HECM reverse mortgage and a private HEI so you can protect your savings and long-term security. ...more
Mortgage Education ,Loan Programs &Reverse Mortgage
November 22, 2025•4 min read
Arizona First-Time Homebuyer Programs You Should Know About (2025 Guide)
Arizona home loan basics to help buyers understand options and qualify confidently. ...more
Arizona Market Insights ,Home Buyer Tips
November 22, 2025•3 min read
WHAT OUR CLIENTS SAY
Our clients are at the center of everything we do. Their experiences reflect our dedication to clear guidance, trusted mortgage expertise, and a home-financing experience built around care and understanding.
Contact Info
Location
11811 N Tatum Blvd Suite 2700
Phoenix, Arizona 85028
We’re here to help you with all your healthcare needs.
Reach out to us anytime—our friendly team is ready to assist you with appointments, inquiries, and guidance.
Phone
Loan Officers
Craig Gallegos NMLS# 447602
Dawn Buxton NMLS# 308905
Corporate Address:
11811 N Tatum Blvd, Suite 2700
Phoenix, Arizona 85028
Copyright © 2026 Fairway Independent Mortgage Corporation doing business as Fairway Home Mortgage. NMLS#2289. 4750 S. Biltmore Lane, Madison, WI 53718, 1-866-912-4800. All rights reserved. Fairway is not affiliated with any government agencies. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Equal Housing Opportunity. Arizona Mortgage Banker License No. 0904162. Dawn Buxton NMLS 308905 | Craig Gallegos NMLS 447602 Complaints may be directed to: (877) 699-0353 or Email us: [email protected]. Licensed by the Department of Business Oversight under the California Finance Lenders Law. Loans made or arranged pursuant to a California Finance Lenders Law License. Licensed Nevada Mortgage Lender NMLS #2289 Craig Steven Gallegos MLO# 447602 Dawn Marie Buxton MLO#308905. Office Phone 480-626-2202