Your client's financing should make your job easier — not be your second job.
You've had the other kind of transaction: the lender who goes quiet for days, the pre-approval that turns out to be a pre-qualification, the "we need two more weeks" call at the finish line. Spencer built his practice to be the opposite of that — and to make the agents he works with look great in front of their clients.
What agents can expect
📱 Reachable when your clients are active
Your buyers tour on evenings and weekends, and so do their questions. Payment quotes, updated letters, and "can they stretch to list price?" answers happen in real time — including Saturday night before your offer deadline, not Monday morning after it.
📄 Letters matched to every offer
A pre-approval letter re-issued at the offer price — not the max budget — so your negotiating position stays protected. Turned around fast enough to keep up with a hot listing.
📞 A call to the listing agent, every offer
When your buyer's offer goes in, Spencer personally calls the listing agent to vouch for the financing and hand over a direct line for the whole transaction. Your offer arrives with credibility attached — and you're not the only one defending it.
🔁 Weekly updates to all parties
You, your buyer, and the listing side get proactive status through appraisal, underwriting, and clear-to-close. You'll never be the last to know — and never have to chase the loan for your client.
🧮 Offer strategy, before it's in writing
Seller credits, appraisal-gap coverage, realistic close dates, financing contingency terms — happy to jump on a three-way call with you and your client so the offer you write is one the loan can back up.
🏘️ Program depth for first-time buyers
Minnesota Housing Start Up, deferred payment loans, first-generation assistance, FHA, conventional 3% down — the programs that turn "maybe next year" buyers into closings this year. Licensed in Minnesota and Wisconsin.
Have a buyer who needs a pre-approval this week? Call or text Spencer directly at 507-261-1078, or emailspencer.brady@fairwaymc.com. Introductions on evenings and weekends are genuinely welcome — that's the point.
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. Nothing on this page constitutes a referral arrangement; buyers always choose their own agent and lender.
One transaction is all it takes.
Send Spencer one deal and judge the communication for yourself.