The Fine Print

Disclosures & licensing

Who publishes this site

This website is an educational resource published by Spencer Brady, Loan Officer, NMLS #1899035(MN license # MN-MLO-1899035 · WI license # 1899035), of Fairway Independent Mortgage Corporation, NMLS #2289. Branch: 7500 Flying Cloud Drive, Suite 900,Eden Prairie, MN 55344. Verify licensing atNMLS Consumer Access.

Privacy — what this site collects

Nothing. This site contains no contact forms, no analytics, no advertising pixels, no third-party embeds, and no cookies set by us. Checklist progress and calculator inputs live only in your own browser's local storage and are never transmitted. All applications, document uploads, and communications occur through Fairway Independent Mortgage Corporation's official systems, governed by Fairway's Privacy Policy andTerms of Use.

Not a commitment to lend

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.

Government agency disclaimer

Fairway Independent Mortgage Corporation is not affiliated with any government agencies. These materials were not approved by HUD, FHA, VA, USDA, Minnesota Housing, or any other government agency.

Educational content disclaimers

Educational information only — not credit repair services, and not financial, legal, or credit counseling advice. Individual results vary. For personalized help, consider a HUD-approved housing counselor (free in Minnesota through the Minnesota Homeownership Center).

Calculator results are estimates for illustrative and educational purposes only and are not a quote, pre-qualification, pre-approval, or commitment to lend. Accuracy is not guaranteed. Your actual rate, payment, and costs will vary based on your complete application, credit profile, and property.

Real estate services

Spencer Brady and Fairway Independent Mortgage Corporation are not real estate brokerages and do not provide real estate agency services. Work with the licensed real estate agent of your choice — you are never required to use any particular lender, and your agent is never required to recommend one.

Program information

References to Minnesota Housing, WHEDA, county, and city programs describe third-party programs administered by their respective agencies; amounts, terms, and availability change. Figures on this site were reviewed July 2026. Always verify current program terms before relying on them.

Corporate

Customer Service: 800-201-7544 · Complaints: 877-699-0353 · Fraud Hotline: 855-920-0002 ·Fairway Legal Disclosures