What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm Saturday 9am - 1pm Sunday 8am - 8pm

Troy Fairbanks NMLS #525344 - First Merchants Bank Manager Mortgage

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United States
Ann Arbor, MI
Troy Fairbanks NMLS #525344 - First Merchants Bank Manager Mortgage

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Troy Fairbanks is a leading expert in the residential mortgage industry for almost 30 yrs and has bee

Just under 30 yrs experience in mortgage origination and management

Named by Mortgage Originator Magazine as one of the top mortgage loan officers in the country 3 times

Have closed over 3500 transactions that exceed $700 Million in loans in my career

Expert in Condo Lending

Large Scale Portfolio in house Lending available

11/02/2026

Realtors: Have you asked your lending partners if they’re ready for UAD 3.6?

Our team has been preparing for this transition so we can continue delivering a smooth experience for our clients and referral partners.

If you're hearing about UAD 3.6 and wondering what it means for your transactions, let's connect. I’m happy to share what we're learning and help you stay informed.

10/28/2026

The short answer: A mortgage pre-approval may cause a small, temporary impact to your credit score because the lender pulls your credit report.

Lenders need to review your credit as part of determining how much home you may qualify for. In most cases, the impact is minor, and many buyers find that the benefits of knowing their budget and strengthening their offer far outweigh any temporary dip in their score.

If you're nervous about the credit check, you may be able to start with a pre-qualification. A pre-qualification can give you a general idea of what you can afford and often doesn’t require a hard credit inquiry.

The most important thing: don't let fear stop you from exploring your options. Knowledge is power, and understanding your financing options can start with a simple conversation.

📩 Ready to begin the conversation? Send me a message any time.
https://myoc.io/bmSjH2BcxVK

10/26/2026

When people think about homeownership costs, they think about the mortgage, property taxes, and insurance.

What catches homeowners off guard are the $500 here, $1,200 there, and $2,000 somewhere else:

↳ The water heater that suddenly quits.

↳ The tree limb that comes down during a storm.

↳ The sump pump that fails during the heaviest rain of the year.

↳ The refrigerator that dies two weeks before the holidays.

None of these are financial disasters on their own. But when they happen unexpectedly, they can be stressful if you aren't prepared.

One of the smartest things a homeowner can do is build a "house fund" alongside their emergency fund. 1-3% of your home’s value is a good rule of thumb for maintenance and repairs.

Homeownership isn't just about being able to afford the mortgage. It's about being able to afford the surprises.

10/23/2026

In mortgage banking, it's easy to focus on transactions. The real difference-maker is relationships.

We've recently implemented a relationship-centered model that pairs our mortgage loan officers with dedicated processing partners. The goal isn't just speed and efficiency. It's more proactive communication, better pipeline management, greater consistency in file ex*****on, and a deeper understanding of how we each work. Most importantly, it's about building stronger partnerships over time and delivering a better experience for our borrowers.

Looking forward to seeing these partnerships grow over time.

10/21/2026

Building a home can feel overwhelming, especially if it's your first time.

That's why we created our Construction Loan Handbook, a practical guide that explains the construction process, answers common questions, defines industry terminology, and explores the financing options available to help bring your vision to life.

➝ Click to download:https://www.firstmerchants.com/docs/default-source/default-document-library/fmb-construction-loan-handbook-0723.pdf

10/20/2026

Thank you!!!

10/19/2026

Most lenders offer low or no down payment loan options, but that's only part of the affordability conversation.

What many homebuyers don't realize is that there may also be grants and down payment assistance programs available to help reduce their upfront costs.

At First Merchants, we help eligible buyers explore our in-house grant programs and identify additional community-based assistance programs that may be available. In some cases, these programs can even be combined to provide greater support.

If you've been putting off homeownership because you think you need a large amount of money saved, it may be worth exploring what's available before ruling it out.

Contact me anytime for a free homebuyer consultation call.
https://myoc.io/bmSjH2BcxVK

10/16/2026

If you'd ever like to grab a coffee, lunch, or hop on a Teams call, I'd welcome the conversation. I'm always interested in connecting with talented loan officers and real estate professionals, whether it's to talk careers, industry trends, or simply share ideas.

Member FDIC | Equal Housing Lender

10/14/2026

Getting pre-approved for a mortgage doesn't mean you can stop being careful with your finances.

The time between pre-approval and loan closing is critical. Your lender is still relying on the financial information you provided when you applied.

That's why it's important to avoid major purchases, new credit accounts, or other significant financial changes until after loan closing. If you're unsure whether something could impact your loan, check with your lender first.
https://myoc.io/bmSjH2BcxVK

10/12/2026

After weeks of house hunting, inspections, paperwork, and loan approvals, there's one final step: Closing.

Think of Closing as the day when the home officially becomes yours.

You'll sign documents, pay any remaining funds due, and finalize the transfer of ownership. Once everything is complete, you'll get the keys and can officially call yourself a homeowner.

If you have questions about Closing or the mortgage process in general, don’t be afraid to ask.

Address

1328 S Main Street
Ann Arbor, MI
48104

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	9am - 1pm
Sunday	8am - 8pm

Telephone

+17345486344

Website

http://www.troyfairbanksloans.com/

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