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Tino Sheridan, Mortgage Lender NMLS# 149962 Fairway IMC

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Warner Robins, GA
Tino Sheridan, Mortgage Lender NMLS# 149962 Fairway IMC

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Fairway Independent Mortgage Corporation is dedicated to providing simple, affordable mortgage solutions. Find your trusted local Fairway loan officer today.

Providing opportunities for low rates, hassle free mortgages for buying or refinancing a home throughout GA | 32 year veteran in the mortgage industry, I am your Middle Georgia Mortgage Lender! We have over 670 branches across the country offering hometown service backed by national strength. Whether you’re buying your first home, a second home or refinancing your current mortgage, Fairway offers a wide variety of home financing options that are designed to fit your unique needs and goals. Our loan officers are ready to guide you every step of the way, from application to closing and beyond. Speaking of closing, we have a reputation for closing on time — sometimes in as little as 10 days!

10/29/2026

If you're helping a parent think about a reverse mortgage, this is for you.

The decision shouldn't be made on a sales call. It should be made at a kitchen table — with the kids in the room, and ideally the family's accountant or attorney looped in.

Questions worth asking together:
• Is staying in this home the real goal, or one option among several?
• What problem are we solving — monthly payment, care costs, a cushion, all three?
• What does this mean for the estate later, in plain numbers?
• What are the alternatives, and what do they cost?

A good reverse mortgage conversation makes room for all of that. A bad one tries to close before your family has even heard about it.

If a parent tells you a lender is calling them, ask who — and whether that lender welcomed your involvement. The answer tells you a lot.

DM me 'QUESTIONS' and I'll send the checklist I give families. No obligation.
— Tino Sheridan, Mortgage Lender NMLS # 149962, Fairway IMC

10/28/2026

What mortgage rate are you waiting for? 👀

I’m dressing up as a 2% rate for Halloween… because everyone’s chasing after me. 👻

But really, all the headlines about rates and home prices can make buying a home feel a little scary.

The truth is, everyone’s situation is different. People are still buying homes and getting mortgages, and there may be a path forward for you, too. 🏡

It starts by looking at your numbers and seeing what options you have. You might be surprised by what’s possible! And if now isn’t the right time, you can still make a plan for when it is.

Have a question? Send me a message, or drop it in the comments. No tricks over here, just a conversation. 🎃

10/27/2026

Reverse mortgage companies run call centers — a friendly voice, a script, and pressure to decide before you've understood anything.

A reverse mortgage is one of the biggest financial decisions a homeowner can make. It should never be made at call-center speed.

If someone is pushing you to move fast, push back. Ask:
• Who keeps the title to my home? (You do.)
• What am I still responsible for? (Taxes, insurance, upkeep, living there.)
• What happens when I leave the home — and what are my children's options?
• What does this cost, in writing, and why?

A lender who can't slow down and answer plainly has told you enough.

The right process includes your family, your accountant, your attorney — and a HUD-required independent counseling session before you can apply. A lender who discourages that is waving a red flag.

No script, no quota from me. DM me 'QUESTIONS' and I'll send you the list of questions to ask any reverse lender — including me.
— Tino Sheridan, Mortgage Lender NMLS # 149962, Fairway IMC

10/26/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟮𝟲, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Mortgage rates crept a little higher during the week before turning around on Thursday as AI stocks sold off and investors moved money out of stocks and into the safety of bonds. That helped mortgage rates improve and end the week a little lower.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
The big event this week is Wednesday's Fed meeting, but AI stocks could continue to have a big influence on mortgage rates. Oil prices haven't had much of an effect on rates recently, but that could change this week. With so many things in play, we are likely to see some day-to-day ups and downs in rates and possibly a bigger move for the week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
-Stocks: The big sell-off in AI stocks has slowed for now, but if stocks start falling again, it could help mortgage rates this week. However, if stocks rally, it could push rates higher.
-Oil: Oil prices haven't had much influence on mortgage rates recently, despite being near six-month highs, but that could change after this week's Fed meeting.
-The Fed: The Fed is not expected to hike rates at this meeting, but we should expect markets to react to the Fed's policy statement and Fed Chair Warsh's press conference.

10/26/2026

Monday check-in — a Fed week, and an unusual one.

The Fed meets Tuesday and Wednesday, deciding Wednesday afternoon — with the shutdown having frozen the data it normally reads first: jobs numbers, inflation, all delayed for weeks. The committee decides with less information than usual.

Mortgage rates don't take orders from the Fed — they follow the bond market, which listens for what the Fed does and what it says comes next. With the data missing, the statement matters even more than the decision.

The honest advice: a Wednesday headline doesn't decide whether a home — or a refinance — works for you. That answer lives in your numbers: the payment, the cash to close, and how long you keep the loan.

If you're already in process with a lender, talk to them about lock timing around Wednesday — they're holding your file. If you haven't started yet and want to run your real numbers, DM me "READY" — free 15-minute conversation, no pressure.

— Tino Sheridan, Mortgage Lender NMLS # 149962, Fairway IMC

10/23/2026

💬 Client Love

“I spent 18 years in management and sales in the mortgage industry and 12 years in real estate. In all of that time I never experienced the level of service I received from Tino Sheridan and the team at Fairway.”

— Randall W., Experience.com review

Thinking about buying? DM me 'READY' 🏡

10/21/2026

Every week, someone online announces the housing crash is coming. Meanwhile, your lease renewal comes with another rent increase.

So, do you buy or keep renting?

Headlines and comment sections don’t know your income, savings, debt, or plans. That’s where a conversation with a mortgage professional can help.

We can talk about potential monthly payments, upfront costs, savings, and general mortgage information. Then we can talk about how those numbers fit your life and goals.

Sometimes buying makes sense. Sometimes continuing to save makes sense. As a mortgage professional, my job is to help you understand those options without pressure.

If you’ve been going back and forth, send me a message. Let’s look at your numbers and give you something more useful than just another headline.

10/19/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟭𝟵, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Mortgage rates got better last week after reaching their highest levels in early October. Even though reports showed inflation was higher than expected, mortgage rates continued to improve and ended the week a little lower.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗰𝗿𝗲𝗲𝗽 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Although rates improved last week, helped by a sell off in AI stocks, they showed signs of stalling on Friday and continued to lose ground to start this week. With little economic data coming out to help guide rates, headlines will play a bigger role this week. Unfortunately, rates are more likely to creep higher than continue to improve.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• Stocks: Mortgage rates' improvement last week was in large part due to stock market weakness, particularly in the AI sector, and investors moving money into bonds for safety. Mortgage bonds benefited from the move, helping rates improve. Stocks could continue to play a role this week, especially with little in the way of economic data.
• Oil: Oil prices moved higher again, but efforts to lower prices at the pump by temporarily suspending federal and state taxes have helped limit the impact on mortgage rates.

10/19/2026

Monday rate check — and a quick word on why the number is what it is.

Many people expected rates to drift down by now. Here's the honest mechanism: rates follow bonds, and bonds follow inflation. Last week's inflation report came in hotter than expected — 3.7% year over year — and when inflation runs hot, bond investors demand more to lend, which can keep mortgage rates higher for longer, even when other parts of the economy look soft.

That doesn't mean wait forever. The decision that matters isn't guessing next month's headline — it's whether the payment on the home (or refinance) in front of you works on your numbers today.

If you're already in process with a lender, talk to them about your lock — they're the ones holding your file. If you haven't started yet and want to run your real numbers, DM me "READY" — free 15-minute conversation, no pressure.

— Tino Sheridan, Mortgage Lender NMLS # 149962, Fairway IMC

Address

101 Katelyn Circle Suite 101E
Warner Robins, GA
31088

Opening Hours

Monday	8am - 8pm
Tuesday	8am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 8pm
Saturday	10am - 6pm
Sunday	10am - 6pm

Telephone

+14783355626

Website

http://www.tinosheridanmortgage.com/

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