Derek Helms- Fairway Home Mortgage

Derek Helms- Fairway Home Mortgage Fairway Independent Mortgage Corporation
Derek Helms
NMLS # 1494137
Reverse Mortgage Planner
Equal Housing Opportunity

Derek Helms
Retirement Mortgage Specialist NMLS # 1494137
Fairway Home Mortgage NMLS #2289
đź’°Changing Lives in Retirement with the use of Home Equityđź’° Make Memories, Not Mortgage Payments

Equal Housing Opportunity

Search is changing faster than most people realize. Consumers aren't just using Google anymore. They're searching on Ins...
06/09/2026

Search is changing faster than most people realize.

Consumers aren't just using Google anymore. They're searching on Instagram, TikTok, YouTube, and increasingly turning to AI tools like ChatGPT for answers.

Join us on June 17th at 11:00 AM CST for a conversation about what this means for real estate and mortgage professionals.

We'll cover:
* How AI is changing search behavior
* Why social media platforms are becoming search engines
* What makes content discoverable
* How to use AI to uncover the questions consumers are already asking
* Practical ways to become easier to find online

You don't need millions of views.

You need to be the person consumers find when they're looking for answers.

Sign Up Here: https://bit.ly/JuneSocialSales26

If you’re a real estate agent looking to better serve your clients approaching retirement, this is one you don’t want to...
04/30/2026

If you’re a real estate agent looking to better serve your clients approaching retirement, this is one you don’t want to miss.

Join us at the Southeast Real Estate Expo for a 1-hour continuing education class on the HECM for Purchase loan.

đź—“ May 6th, 2026
⏰ 9:00 AM – 10:00 AM
đź“Ť The Gather Room | ROAM Greenville One

This class walks through how buyers 62+ can increase their purchasing power, improve cash flow, and even compete more confidently in today’s market.

It’s a great opportunity to learn something new, earn CE credit, and walk away with a strategy you can actually use with your clients.

Let me know if you’re planning to attend or want the registration link.

Most agents aren't struggling because they don't know what to say - they're struggling because they don't have time to c...
04/01/2026

Most agents aren't struggling because they don't know what to say - they're struggling because they don't have time to create it consistently. Between clients, showings, and everything else, marketing usually gets pushed to the side.

This class is all about simplifying that process using Canva.

We'll walk through how to create:
* Branded marketing that stays consistent
* Simple newsletters you can reuse each month
* Social media content like educational posts and short videos
* Templates you can build once and use again

The goal is to help you stop starting over every time you sit down to create something.

Join us April 15th at 11 AM CST

Register here: https://bit.ly/AprilSocialSales

The Home Equity Conversion Mortgage (HECM) for Purchase loan lets homebuyers 62+ to combine a required down payment with...
03/31/2026

The Home Equity Conversion Mortgage (HECM) for Purchase loan lets homebuyers 62+ to combine a required down payment with reverse mortgage proceeds to purchase a new primary residence. Like all reverse mortgage loans, you will not have to make monthly payments on the HECM for Purchase loan. You will still need to fulfill the reverse mortgage requirements, such as living in the home as your principal residence, keeping the home in good condition, and paying your critical property charges like taxes and insurance.

Ready to explore if it’s right for you or your clients? Let’s connect.

A lot of agents tell us the same thing:"I'm posting... but I'm not getting business."Social media isn't the problem.Rand...
03/12/2026

A lot of agents tell us the same thing:
"I'm posting... but I'm not getting business."

Social media isn't the problem.
Random posting is.

In this class, we're breaking down:
* What buyers and sellers are actually researching right now
* What content consistently leads to DMs
* How to nurture conversations into long-term pipeline
* And how to stop guessing what to post

No trends.
No dancing.
No influencer energy required.

Whether you're new to the business or seasoned, this will give you a practical plan you can implement immediately.

Save your spot here: https://bit.ly/SocialSalesMarch

Retirement is often thought to come with lower living expenses—but that’s not always the case! While some costs may decr...
03/05/2026

Retirement is often thought to come with lower living expenses—but that’s not always the case! While some costs may decrease (like mortgage or car loan payments), others may rise, especially with inflation impacting essentials like groceries, utilities, and gas.

In fact, a survey from the Nationwide Retirement Institute® reveals 90% of people between 60-65 say inflation is their biggest retirement concern. Retirees spend more than half of their income on basic expenses, and many face unexpected costs like medical crises or home repairs.

What can you do? Consider unlocking the power of your home equity. A reverse mortgage could provide extra cash to help cover unforeseen costs, fund home improvements, or create a financial cushion for peace of mind.

Don't wait for the unexpected—plan now! Reach out to learn how home equity can support a more secure, comfortable retirement.

Eligibility for a Home Equity Conversion Mortgage (HECM, reverse) loan is mainly based on age, home equity, and your abi...
03/03/2026

Eligibility for a Home Equity Conversion Mortgage (HECM, reverse) loan is mainly based on age, home equity, and your ability to cover property costs like taxes and insurance. Want to learn more?

Find out here: https://hubs.la/Q037rsz60

Think of a mortgage cap like a speed limit for your interest rate.Just like traditional ARMs, Home Equity Conversion Mor...
02/26/2026

Think of a mortgage cap like a speed limit for your interest rate.

Just like traditional ARMs, Home Equity Conversion Mortgages (HECMs) have caps that limit how much your interest rate can rise or fall—providing an added layer of protection in volatile markets.

Monthly HECM ARMs cap the rate at either 5% or 10% above your starting rate
Annual HECM ARMs limit increases to 2% per year, with a 5% lifetime cap

Higher cap = lower start rate—and potentially more line of credit growth in rising-rate environments. Why? Because unused credit grows at the same compounding rate as your loan balance, increasing future borrowing power.

The right cap depends on your goals—whether it’s rate stability or maximizing flexibility. Let’s find your best fit.

Looking to buy your next home at 62 or better? A reverse mortgage for purchase (H4P) could help you do it—without monthl...
02/24/2026

Looking to buy your next home at 62 or better? A reverse mortgage for purchase (H4P) could help you do it—without monthly mortgage payments.* Use proceeds from the sale of your current home to cover the required down payment and keep more savings liquid for retirement than paying in all cash.

*Borrower must still pay property taxes, insurance, and upkeep.

Learn more: https://hubs.la/Q03vby-f0

A GOBankingRates study shows the average retirement savings balance tops $315,000 in all 50 states — with New Hampshire ...
02/19/2026

A GOBankingRates study shows the average retirement savings balance tops $315,000 in all 50 states — with New Hampshire leading the way at $512,781 and Utah ranking last at $315,160.

Nationwide, the average savings balance is $429,525.

Where does your state rank?

Read now: https://hubs.la/Q03Jl3vq0

Address

148 E Charles Street Unit D
Matthews, NC
28105

Opening Hours

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

Telephone

+17042611000

Website

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