Danielle Hajda- Fairway Independent Mortgage NMLS #235004

05/08/2026

April Sales Employee of the Month! This is not possible without my AH-MAZING Fairway team, the trust my realtor partners have in me, my clients and my supportive family.

05/05/2026

Most people don’t realize there are a lot of different loan options out there.

And not all of them fit into the same box.

At a high level, we break loans into two categories. Qualified mortgages and non-qualified mortgages.

Qualified loans are what most people are familiar with. Things like FHA, Conventional, and VA. These follow standard guidelines and are designed for more traditional financial situations.

Then there are non-qualified loans.

These are for people who don’t fit the typical mold. Maybe you’re self-employed, have unique income, or your financial situation doesn’t check every traditional box.

That’s where options like bank statement loans, DSCR loans, interest-only loans, and ITIN loans come into play.

There are more options than most people think.

The key is finding the one that actually fits your situation.

Comment LOAN and I’ll message you to help you figure out which direction makes the most sense for you.

Contact Me:
📞 (512) 630-1707
📧 [email protected]

05/01/2026

Not every video is a one-take success.

There are a lot of pauses, re-starts, and moments where I forget what I was saying halfway through. And honestly, that’s probably a good thing!

Because while the goal is to make everything clear and helpful for you, it’s still real life behind the scenes.

We’ll keep the polished versions coming… but every now and then you get this side too. 😉

04/29/2026

Have you ever used an online mortgage calculator and thought… that seems a little off?

You’re not wrong.

Those tools are helpful for a quick estimate, but they don’t factor in the things that actually matter.

Your credit score, employment history, assets, and loan structure all play a role in what your real payment looks like.

That’s why the number you see online can be very different from what you actually qualify for.

It’s a starting point, not the full picture.

If you want real, accurate numbers based on your situation, that’s where I come in.

Comment REAL and I’ll message you to walk through what your payment could actually look like.

Contact Me:
📞 (512) 630-1707
📧 [email protected]

04/17/2026

Ever wondered why two people with the exact same income can qualify for completely different home prices?

It’s not just about income.

When I’m qualifying a client, I’m looking at the full picture. Things like your down payment, credit score, monthly debt, employment history, and even how long you’ve been at your current residence all play a role.

That’s why you and someone else making the same salary can end up with very different numbers.

It’s all about how those pieces come together.

If you’ve been trying to estimate things on your own, this is usually where the confusion comes in.

Comment PAYMENT and I’ll message you to walk through what your real numbers could look like based on your situation.

Contact Me:
📞 (512) 630-1707
📧 [email protected]

04/14/2026

A lot happens behind the scenes during a mortgage… and most buyers never see it.

Once everything is submitted, your file moves into processing. This is where everything gets reviewed and organized so it’s ready for underwriting.

Then it goes to underwriting, which is where your loan is officially reviewed for approval. Sometimes that comes back with a few conditions, which just means we need to gather a couple more things to keep everything moving forward.

After that, we move to clear to close.

That’s when everything is finalized and sent to the closing team, who works with title to prepare your final numbers and documents.

At closing, you’re signing everything officially, and from there your loan is funded and you’re a homeowner.

It might sound like a lot, but this is exactly what I’m here for.

My job is to guide you through each step and make sure everything stays on track so the process feels smooth and not overwhelming.

Comment PROCESS and I’ll message you to walk through what this would look like for you.

Contact Me:
📞 (512) 630-1707
📧 [email protected]

04/10/2026

Most of the buyers I work with don’t start the conversation when they’re ready to buy…

They start 6 to 12 months before.

And honestly, that’s where things go the smoothest.

Starting early gives us time to look at everything without pressure. Credit, employment history, savings, and what your budget could realistically look like.

Sometimes everything is already in a great place. Other times, we make a simple plan so when the time comes, you’re ready to move forward confidently.

That’s what takes the stress out of the process.

You’re not rushing. You’re prepared.

If buying has even crossed your mind for later this year or next, it’s a really good time to start that conversation.

Comment PLAN and I’ll message you to help you map out what your next steps could look like.

Contact Me:
📞 (512) 630-1707
📧 [email protected]

04/08/2026

What happens if interest rates change while you’re under contract?

This is something a lot of buyers worry about, and the good news is, you actually have more control than you think.

Once you go under contract, we’ll talk through when it makes sense to lock in your rate based on your situation. That decision is always yours.

After your rate is locked, it typically stays the same. But if the market shifts and pricing improves enough, we can look at adjusting it.

That’s where I come in.

I keep an eye on the market throughout the process, and if something changes that could benefit you, I’ll reach out so we can talk through your options.

You’re not navigating that on your own.

Comment RATECHANGE and I’ll message you to walk through how this would work in your specific situation.

Contact Me:
📞 (512) 630-1707
📧 [email protected]

04/05/2026

12/12/2025

5-star reviews are what I live for but getting them from realtors sits a bit differently! Thank you for that 5-star review, Mckayla! You are a rock start negotiator!

Click to see all 77 reviews of Danielle Hajda, Loan Officer | NMLS # 235004