Fairway Mortgage Services

05/25/2026

05/23/2026

Attention Business Owners and Independent Contractors: Securing a loan has never been more accessible. Our Self-prepare P&L program empowers you to achieve your dream of homeownership. Enjoy low rates and a streamlined process! Contact us for details.

05/23/2026

Attention Medical Doctors: explore low down payment options with no mortgage insurance and hassle-free qualification by excluding student loans. Contact us for details!

05/18/2026

Your rate. Your terms. Your home. At Fairway Mortgage Services, we don't believe in a one-size-fits-all approach. Whether it's FHA, VA, or Conventional — we find the loan that fits YOUR life. And with our free pre-approval, you'll know exactly what you can afford before you ever step through a front door. 🏦🗝️
📲 Follow us on Instagram & Facebook for mortgage tips, loan options, and everything you need to make homeownership a reality!

05/15/2026

Stop renting someone else's dream — it's time to build your own. Sonia Amen and the Fairway Mortgage Services team will get you pre-approved and into your own home faster than you think, with zero hidden fees and a clear path from application to closing day. 💛
📲 Like & follow us on Instagram & Facebook to stay in the loop on loan options, homeownership tips, and more!

05/14/2026

🔑 Your homeownership journey starts with the right loan strategy.

At Fairway Mortgage Services, we help you understand your options, improve your buying power, and prepare for long-term success. Whether you’re a first-time buyer or planning your next move, we’re here to make financing simple and stress-free. 🏡💰

You find the home — we’ll help you find the loan that fits your goals.

📲 Follow our Facebook & Instagram pages for mortgage tips, loan programs, and smart home-buying advice!

05/11/2026

🔑 At Fairway Mortgage Services, we don't just find you a loan — we find you the right one, at the right rate, for the life you're building.
✔️ The Right Loan — Matched to your goals, not ours.
✔️ The Right Rate — Every fraction of a percent matters.
✔️ The Right Life — Your home, your future, your foundation.
Ready to take the first step toward homeownership? We're here to make it simple. 🏠
📞 562-800-0253
🌐 fairwaymortgageservice.com
👉 Follow us on Facebook & Instagram for mortgage tips, rate updates, and everything you need to buy smarter and build wealth faster!

05/10/2026

🏡 To all the amazing mommas from school runs to big life moves, you truly do it all.

Whether you're dreaming of more space for your growing family, thinking about a home that finally fits your life, or just need someone in your corner when you're ready, I'm here for every step of that journey.

Happy Mother's Day from Sonia Amen and the Fairway Mortgage Services family. You deserve a home as incredible as you are. 🌷

📱 Follow us on Facebook & Instagram for mortgage tips, home buying guides, and everything you need to make your next move with confidence.
📞 562-800-0253 | [email protected]

05/07/2026

🏠 Most buyers walk into a lender meeting completely blind. Here's the exact math lenders use to decide how much house you can afford — before you ever apply.
Save this. Share it. You'll need it. 👇
📐 THE FORMULA LENDERS USE — STEP BY STEP:
STEP 1 — ADD UP ALL YOUR MONTHLY DEBT PAYMENTS
Car loans. Student loans. Credit card minimums. Personal loans and recurring obligations. Add them all up. This total is the starting point of EVERY lender's affordability calculation. Most buyers don't do this before they apply — and they're shocked by the result.
STEP 2 — CALCULATE YOUR DTI (DEBT-TO-INCOME RATIO)
Divide your total monthly debts by your gross monthly income (before taxes). That number is your DTI ratio — the single most important number in your mortgage approval. It's not about how much you earn. It's about how much is already spoken for.
Lower DTI = more buying power. It's that simple.
STEP 3 — FIND YOUR MORTGAGE ROOM
Lenders set a maximum DTI ceiling — typically 43%. Subtract your existing debt payments from that ceiling, and what's left is your maximum mortgage payment.
Here's a real example:
→ Earn $8,000/month with $800 in existing debt payments
→ 43% DTI = $3,440 total debt limit
→ Subtract $800 in existing debts
→ Your max mortgage payment ≈ $2,640/month
THE REALITY CHECK:
Most people are surprised by what they actually qualify for — in BOTH directions.
📈 LOW EXISTING DEBT? You may qualify for $100K+ more than you assumed. Buyers with clean debt profiles unlock serious buying power.
⚠️ ONE BIG PAYMENT HURTING YOU? A single large car loan in SoCal can cut your home budget by $80K–$120K. One payment can be the difference between renting and owning.
The math doesn't lie. But you have to know it BEFORE you walk into a lender meeting.
🎯 Ready to run YOUR numbers?
DM us "DTI" to get started — free pre-approval analysis, no credit pull required.
Most buyers go into lender meetings without running their DTI first. Don't be one of them.
🌐 fairwaymortgageservice.com
📧 [email protected]