Reach out to me for a personalized consultation. I'm here to answer questions, address concerns, and guide you through the mortgage process.
Take the leap toward homeownership by applying online today. Our secure application process is designed for your convenience, ensuring a swift response.
Ready to make your homeownership dreams a reality? Click the 'Apply Now' button to kickstart your mortgage pre-approval journey.Apply Now
Not sure where to start? Schedule a complimentary consultation to discuss your unique situation and develop a tailored plan.
Each loan program has its own unique advantages, and finding the perfect fit is crucial. Our team is here to guide you through the options, explaining terms and conditions with simplicity. Researching each program thoroughly ensures you make an informed decision tailored to your goals.
Whether it is opening doors with low down payment conventional options, grant programs, using flexible qualifying criteria to maximize with an FHA program, buying rural properties with USDA, honoring the service of our veterans with a VA loan, using our renovation products to make a home uniquely yours or dreaming big with a jumbo loan product, you can embark on a homebuying journey with confidence knowing there is a loan program crafted to suit your needs. First time home buyers, investors, and move up or size down buyers, we have an option for everyone.
Embarking on your homeownership journey ? Begin with the key that opens doors – get pre-approved today!Learn More
1. Apply Online: Kickstart your journey by completing a simple pre-approval application online. This initial step provides a quick overview of your financial standing.
2. Document Review: Our team reviews your documents, income, and credit history guiding you through any additional information needed. Transparency is our priority, keeping you informed at every step.
3. Pre-Approval: Once we have identified a program that will work for you, we will provide you with a pre-approval letter so you can begin looking at homes as soon as you are ready !
4. Loan Approval: Once your application is complete, we work diligently to secure loan approval. Our goal is to get you one step closer to the keys of your new home. This is the step where an underwriter reviews and approves everything that was submitted.
5. Closing the Deal: Celebrate the final steps as we approach closing day. Our team ensures a seamless transition, providing clarity and support until you step into your new home.
Use our free mortgage calculator to estimate your monthly mortgage payments. Here you can assess affordability and consider tax and insurance costs, and even save on interest. Whether you're looking to buy a new home or are considering a mortgage refinance, this calculator can help you make well-informed financial choices. The default figures shown are hypothetical and may not be applicable to your individual situation.Mortgage Calculator
Hello, I'm Bethany Ritchey, proud to serve as the Branch Manager and Loan Officer at Fairway Independent Mortgage Corporation. My journey in the mortgage industry began in 2018 when I joined this remarkable team. Over the years, I've earned recognition in the Scottsman Guide's top loan officers, achieved a prominent national ranking for renovation lending, and take pride in contributing to a company consistently at the forefront of residential lending nationwide. Our most recent accolade includes the JD Power Customer Satisfaction Award!
My commitment to education goes beyond the transactional aspects of lending. I believe that an informed client is an empowered client. Throughout the mortgage process, I prioritize providing clear explanations and guidance, ensuring that each client not only secures a home but also gains a deep understanding of their financial decisions. It's not just about closing deals; it's about empowering individuals on their unique journey to homeownership.
I hold both a bachelor’s and master’s degree from the University of Cincinnati, and as a lifelong Cincinnati resident, I have a deep love for this vibrant community. Giving back is a fundamental part of my philosophy, and a portion of every loan I close contributes to two causes close to my heart: AWI (American Warrior Initiative), aiding veterans in need, and Fairway Cares, a non-profit providing financial support and comfort to those facing traumatic medical diagnoses. It's our way of taking care of those around us.
Beyond Ohio, I am licensed in Kentucky, Indiana, Tennessee, Arkansas, and Florida. Our Fairway Branch #2022 is conveniently located at 1246 Old State Route 74, Suite D, Batavia, Ohio 45103.