Why Fairway: Programs Built to Give You an Advantage
Buying a home is one of the biggest decisions you'll ever make. At Fairway Heartland, we back that up with programs designed to protect you, reward you, and put you in the strongest possible position from the very first conversation. Here's what that looks like in practice.
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Your Closing Date Means Something to Us
When you're under contract on a home, your closing date isn't just a number on a calendar, it's a commitment. Missed closings cost buyers money, cause stress, and can put deals at risk.
That's why Fairway Heartland backs our process with a $5,000 Close on Time Guarantee.
If we don't close by the date on your sales contract, we pay $2,500 to you and $2,500 to the seller, no questions asked.
What This Guarantee Means for You
Confidence — You can make offers knowing your lender is accountable
Credibility — Sellers take your offer more seriously when a guarantee is attached
Peace of mind — You're not just trusting our word. It's in writing.
How to Qualify
To be eligible for the Close on Time Guarantee:
All requested documentation must be submitted within 24 hours of request
Loan product and terms must remain unchanged from the original application
Does not apply to VA, Bond, or Brokered loans
Missed closing date must not be caused by third-party delays such as title issues, certificate of occupancy, or events outside Fairway's control
Ready to get started? Let's talk.
*One $2,500 payment to each the buyer and seller per loan if Fairway Branch 8350 doesn't close as per the closing date on the sales contract and any addenda. Loan must close and fund with Fairway branch 8350. Contact your Fairway loan officer to determine if you qualify. Not valid with VA, Bond, or Brokered Loans. Other restrictions apply.
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A Homebuyer Program Built for Those Who Serve
If you're a veteran, active-duty military member, teacher, healthcare worker, firefighter, law enforcement officer, or first responder, the Heartland Heroes Program was created specifically for you.
This isn't a promotion. It's a long-term commitment to the people who make South Dakota stronger every single day.
Who Qualifies for Heartland Heroes
Veterans and active-duty military members
Teachers and educators
Healthcare workers
Firefighters and EMTs
Law enforcement officers and first responders
If you serve the Sioux Falls community and the surrounding Southeast South Dakota area, this program was built with you in mind.
What You Receive as a Heartland Hero
When you close a home loan with Fairway Heartland Branch 8350, you receive exclusive savings and local benefits:
Up to $1,125 in combined real estate and mortgage savings:
$500 closing cost credit from Fairway Heartland Branch*
$500 credit from participating real estate agents
$125 discount from participating title partners
$10,000+ in Local Offers: A curated Welcome Voucher Book featuring restaurants, service providers, and local businesses across Sioux Falls and Southeast South Dakota that proudly support our heroes.**
More Than a Mortgage. A Community Promise.
Heartland Heroes is built on the same principles that guide every loan we close:
Clear Communication — You'll know exactly where you stand from pre-approval to closing
Tailored Solutions — Your mortgage is matched to your mission, not a one-size-fits-all product
Experienced Guidance — You work directly with a loan officer who knows this market
Learn more about working with Jeff Buum.
*May not be redeemed for cash. One discount of $500 on closing costs per loan applied as a lender credit at closing. Loan must close and fund with Fairway Heartland Branch 8350. Not valid with any other incentives or discounts. *Welcome Voucher Book value is estimated. Must be presented at time of service at participating businesses.
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Compete With Cash. Without Cash.
In today's housing market, buyers are competing harder than ever, often against all-cash offers. The Fairway Advantage Pre-Approval is how you level the playing field. The Fairway Advantage Pre-Approval program provides customers with a conditionally approved loan before they make an offer to Fairway Heartland, putting you in a position to compete with cash buyers from day one.
What Makes This Different From a Standard Pre-Approval
Most pre-approvals are surface-level. The Fairway Advantage goes deeper.
A Fairway Advantage Pre-Approval is underwritten except for certain property details, contract, title search, and appraisal, which means when you make an offer, sellers know the home is as good as sold.
Your income, credit history, and debt-to-income ratio are all reviewed upfront. By the time you make an offer, the heavy lifting is already done.
Why Sellers and Agents Take This Seriously
Your offer comes backed by a full underwriting review — not just a quick credit check
Sellers know your financing is solid before they accept
Less back-and-forth after going under contract means faster, smoother closings
It gives you the confidence you need to emerge victorious on your quest toward homeownership
Speed Is Part of the Advantage
Receiving your Fairway Advantage Pre-Approval is fast. We understand how quickly things need to happen in this market and can accommodate rush situations in many cases.
Found a home that feels right? Don't wait. Reach out, and we'll move fast.
Start your Fairway Advantage Pre-Approval today
*Fairway Advantage Pre-Approval is based on a full review of the borrower's creditworthiness and is contingent upon there being no material changes in the borrower's financial condition or creditworthiness at the time of final loan approval. Final loan approval is subject to the following conditions: (1) borrower has identified a suitable property and a valid appraisal supports the proposed loan amount; (2) a valid title insurance binder has been issued; (3) borrower selects a mortgage program and locks in an interest rate that will support the pre-approved monthly payment amount. Not available on USDA, Bond, or DPA programs.
Ready to Put These Programs to Work?
Whether you're just starting the conversation or ready to make an offer, these programs are designed to make your homebuying experience stronger at every stage.
Let's talk about which ones make sense for your situation.
Browse mortgage resources and guides.
About Fairway
History
Fairway Independent Mortgage Corporation was founded in 1996 by Steve Jacobson. Just five years after opening its doors, Fairway reached the $1 billion funded mark. With a strong focus on purchase business, we continue to grow each year, funding $65 billion in 2020. Customer service is a way of life at Fairway. Not only are we dedicated to finding the best rates for our customers, we also offer some of the fastest turn times in the industry. Our goal is to act as your trusted advisor, providing highly personalized service and guiding you through every step of the loan process. It’s all designed to exceed your expectations, guarantee your satisfaction, and earn your trust. Fairway is dedicated to the highest level of service, demonstrated through consistent, informative communication with clients and their real estate partners. Our main priority is ensuring that the trust we are given is backed by accurate, on-time paperwork delivered with the best technology available. We strive to streamline the mortgage process for our clients and make it stress-free for all parties involved. Fairway Independent Mortgage Corporation is licensed in all 50 states and has headquarters in Madison, WI, and Carrollton, TX. At Fairway, we strongly believe that the way we do things is just as important as what we do. Every employee is guided by our Core Values, which form the foundation on which we work and conduct ourselves. These values are not descriptions of the work we do as a company or the strategies we employ to accomplish our mission; they underlie our work, how we interact with each other, and guide us in determining how to best serve our customers, employees, and local communities.