Questions people actually ask

No. Conversations, eligibility checks, payment scenarios, and pre-approval are all free with no obligation. Lender compensation is part of the loan transaction itself and is disclosed clearly in your Loan Estimate.

Day or night — Tiaira is known for answering when it matters, including evenings and weekends. House hunting doesn’t keep business hours, and neither does she.

Minnesota and Wisconsin. She’s based at Fairway Home Mortgage’s Eden Prairie, MN branch and serves buyers on both sides of the river.

Tiaira is a loan officer with Fairway Independent Mortgage Corporation (dba Fairway Home Mortgage), a direct lender — which means the application, underwriting, and funding happen under one roof, and files move fast.

Tiaira Quinn is NMLS #2568351 — you can verify her license anytime through NMLS Consumer Access, the official national registry. Fairway Independent Mortgage Corporation is NMLS #2289.

Conventional loans start at 3% down, FHA at 3.5%, and VA and USDA can be $0 down. Minnesota Housing down payment assistance can cover much of the rest — sometimes including closing costs. The “20% rule” is about avoiding PMI, not about whether you can buy.

FHA guidelines allow scores from 580; conventional programs generally start around 620, and Minnesota Housing programs commonly require around 640. If you’re under a threshold, ask anyway — the path up is often shorter than people expect.

Private mortgage insurance applies when you put less than 20% down on a conventional loan. You can avoid it with 20% down, remove it later as equity grows, or choose loan structures that handle it differently. Tiaira shows the real cost either way — sometimes paying PMI and buying sooner wins the math.

Nobody can time rates — anyone who promises otherwise is guessing. What’s knowable: your rent builds zero equity, and you can refinance later if rates improve. Buy when your life and budget are ready; Tiaira will give you the honest math for your scenario.

Often within a day or two of submitting your documents. If you’re walking into an open house this weekend and need a letter, text Tiaira — rush situations are normal here.

Typically 30–45 days from accepted offer to closing. With responsive document turnaround and Tiaira’s proactive file management, closings stay on schedule.

The standard set: recent pay stubs, two years of W-2s (or tax returns if self-employed), and bank statements. Tiaira sends a simple checklist so nothing is a scavenger hunt.

Complicated is normal. Self-employment, job changes, credit recoveries, and non-traditional income are everyday scenarios — the key is structuring the file correctly from the start, which is exactly what an experienced loan officer is for.