FAIR LENDING ASSOCIATION HAS BEEN PROCESSING LOANS FOR FANNIE MAE FOR OVER 14 YEARS.

WE SPECIALIZE IN FIXED RATE LOANS WITH TERMS OF 10, 15, 20, 30, OR 40 YEARS FOR BOTH PURCHASES AND REFINANCES OF RESIDENTIAL PROPERTIES OF 1 TO 4 UNITS , APARTMENT BUILDINGS OF 5 TO 35 UNITS, BOTH FOR OWNER OCCUPIED AND NON-OWNER OCCUPIED PROPERTIES.

OUR MOST POPULAR FIXED RATE LOAN DURING THE LAST SEVERAL YEARS HAS BEEN THE 10 YEAR INTEREST ONLY FIXED RATE, WHICH OFFERS A LOWER PAYMENT WITHOUT INCREASING YOUR PRINCIPAL BALANCE IN ADDITION TO OUR FULLY AMORTIZED FIXED RATE LOANS AND OUR INTEREST ONLY LOANS.

WE ALSO OFFER 30 YEAR FIXED RATE LOANS WITH PAYMENT OPTIONS. THE THIRTY YEAR PAYMENT OPTION LOANS HAVE THE SAME LOW PAYMENT OPTION AS AN ADJUSTABLE RATE MORTGAGE BUT WITH THE SECURITY OF A FIXED RATE LOAN.

IN CONCLUSION, WE, THE PROFESSIONAL STAFF HERE AT FAIR LENDING ASSOCIATION ,WITH OVER 80 YEARS OF COMBINED EXPERIENCE , ARE PROUD OF OUR RECORD OF CLOSING OVER 96% OF THE LOANS THAT WE OPEN, AND WE'D LOVE TO CLOSE YOURS.