The fine print, unhidden

Disclosures & licensing

Who operates this website

This website is published on behalf of Ashland Alitz, Branch Sales Manager · Loan Officer, NMLS #1584948 (verify via NMLS Consumer Access), of Fairway Independent Mortgage Corporation (dba Fairway Home Mortgage), NMLS #2289 (verify via NMLS Consumer Access), 4750 S. Biltmore Lane, Madison, WI 53718, 1-866-912-4800. Ashland is based at the Eden Prairie, MN branch, 7500 Flying Cloud Drive, Suite 900, Eden Prairie, MN 55344, and is licensed to originate mortgage loans in Minnesota, Wisconsin, Iowa, North Dakota, Arizona, Florida, Montana, New Hampshire & Texas.

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. Equal Housing Opportunity. For complete state licensing information and legal disclosures, visit Fairway's Licenses & Disclosures page.

Non-QM and DSCR programs

Non-QM and DSCR program availability, guidelines, minimum ratios, reserve requirements, and pricing vary by scenario and change frequently. DSCR loans described on this site are business-purpose loans for non-owner-occupied investment property only. Down payment ranges, credit minimums, reserve requirements, DSCR thresholds, prepayment penalty structures, and documentation requirements described on this site are typical industry characteristics presented for education, not offers or commitments, and may not reflect currently available programs. Interest-only and extended-amortization features increase the total cost of credit relative to comparable fully amortizing loans.

Calculators & educational content

Calculator results are estimates for illustrative and educational purposes only, are not a quote, rate lock, pre-qualification or pre-approval, and accuracy is not guaranteed. Actual rates, payments, taxes, insurance, qualifying ratios and program minimums vary by scenario. Contact Ashland for figures specific to your situation.

All educational content on this site — including the DSCR hub, glossary, FAQ, and downloadable checklists — is general in nature and provided for informational purposes only. It is not financial, legal, or tax advice, and it does not consider your individual circumstances. Program guidelines change frequently; always confirm current requirements with the team directly. Consult your own tax and legal advisors regarding entity structuring, business-purpose lending, and investment decisions.

Privacy

This website does not collect, store, or transmit personal information. It contains no contact forms, no analytics trackers, no advertising pixels, and no cookies set by this site. Downloadable checklists require no email or registration. Links to apply or upload documents route to Fairway Independent Mortgage Corporation's secure systems, which are governed by Fairway's privacy policy. Third-party sites linked from this site (including review platforms and social networks) maintain their own privacy practices.

Production figures & reviews

Production statistics displayed on this site reflect past performance, which does not guarantee future results or individual outcomes. 2025 personal production figures (136 loans, $48 million) were provided by the Lending Lakes team; 2024 figures, branch totals, and team size are drawn from Ashland Alitz's 2025 HousingWire Rising Star profile. Scotsman Guide Top Originator recognition is per team-supplied award materials. This site does not display review text; verified client reviews are available at Experience.com. Testimonials reflect individual experiences; results vary and are not guaranteed.