Nick Fairbanks at Guaranteed Rate Affinity - NMLS #30890

Nick Fairbanks at Guaranteed Rate Affinity - NMLS #30890 I am an SVP of Mortgage Lending NMLS 30890 at Guaranteed Rate Affinity NMLS 1598647. Information provided is for educational purposes only.

Nick has been a full-service mortgage professional since 1993, and has dedicated himself to meeting the diverse needs of his clients ever since. He knows that every person has different goals, and that’s where his insight into the full range of mortgage products come in. Whether it’s a first-time or experienced homebuyer, someone interested in purchasing a property for investment, or a borrower wh

o needs a specialty loan, Nick provides expert guidance every step of the way. During his long career in the mortgage industry, he has consistently been honored as a top producer with a reputation for outstanding customer service. Nick is committed to giving every client the kind of personalized attention and service they deserve—that’s why he makes himself constantly accessible and available to answer questions or concerns. When he’s not helping clients, Nick loves spending time with his family, especially outdoors, where he enjoys fishing, golfing and boating. It should not be construed as financial or legal advice or instruction. Guaranteed Rate Affinity does not guarantee or assume liability for the accuracy, completeness or timelines of the information. You should conduct additional research before making any mortgage related decisions. Guaranteed Rate Affinity, LLC is a registered trademark of Guaranteed Rate, Inc., used under license. Guaranteed Rate Affinity, LLC is a subsidiary of Guaranteed Rate, Inc. https://www.grarate.com/disclaimer
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Current FHA Loan Rates And TrendsWhen working with first-time buyers, move-up buyers, or anyone exploring their financin...
09/12/2026

Current FHA Loan Rates And Trends
When working with first-time buyers, move-up buyers, or anyone exploring their financing options in Minnesota and Wisconsin, understanding current FHA loan rates and requirements is crucial. FHA loans remain a popular choice, especially because they allow for low down payments—just 3.5% if your credit score is at least 580, or 10% with scores as low as 500. These loans also require mortgage insurance for the entire loan term and come with more rigorous property standards, plus lower loan limits than conventional mortgages. With decades of experience helping clients navigate these specifics, I always aim to clarify the details so you can make informed, confident decisions about your next move.


https://www.housing-trends.com/agent-news/nick-fairbanks-2118321/1903766-Current-FHA-Loan-Rates-And-Trends

Decreased existing-home sales means there’s more housing inventory, making this a buyer’s market. If you’ve been looking...
09/10/2026

Decreased existing-home sales means there’s more housing inventory, making this a buyer’s market. If you’ve been looking to buy, you might have more opportunities to negotiate than before.

Want to know how to make the most of this market? Let’s talk.
https://myoc.io/cOSACBttNPD/NmR8g



NMLS # 30890

Waiting until fall won't make homes more affordable, but here's what willThink waiting will make homes more affordable? ...
09/10/2026

Waiting until fall won't make homes more affordable, but here's what will
Think waiting will make homes more affordable? 🏡 In just 6 years, the income needed to buy a median home has nearly doubled! Mortgage rates and prices aren’t dropping soon—but smart prep and knowing your real options (like lower down payments) can help you get ahead. Ready to bust some homebuying myths? 💡🤔
https://www.housing-trends.com/agent-news/nick-fairbanks-2118321/1900258-Waiting-until-fall-won%27t-make-homes-more-affordable%2C-but-her

09/09/2026

US Jumbo Mortgage Options Explained

09/08/2026

Your home search starts long before you start browsing listings online. Taking the time to understand your mortgage options can help you stay on budget and make an offer you feel confident about. While pre-qualification gives you a general idea of what loan you may qualify for, pre-approval takes a closer look at your finances to provide a more solid and reliable picture.

Ready to take the first step? Let’s talk it through.
https://myoc.io/cOSACBttNPD/SIekq



NMLS # 30890

09/08/2026

VA Loans vs. Conventional Loans
Let’s connect and talk about the latest insights in the industry!

09/08/2026

U.S. VA Loans vs. Conventional Loans

09/07/2026

This Labor Day is a moment to celebrate the ones who keep our communities moving, one day at a time. We appreciate, acknowledge and thank you for building something special. Kick back, relax and enjoy the time off. You deserve it.
https://myoc.io/cOSACBttNPD



NMLS # 30890

Address

3900 Northwoods Drive, Suite 100
North Oaks, MN
55112

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 7pm

Telephone

+16514865640

Website

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