Fairway Independent Mortgage Corporation

Every Dream Needs a Foundation

We don't just provide mortgages — we provide the foundation where dreams are built.

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Why the HRH Team?

We built this team around a simple idea: people deserve better from their mortgage lender.

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We Believe

Homeownership strengthens families and communities. Every buyer deserves someone in their corner who cares about more than just the transaction.

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We Guide

From first-time buyers using down payment assistance to seasoned investors scaling portfolios — we know the programs and we know the process.

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We Stay

We don't disappear after closing. Your mortgage is a relationship, not a one-time event. We're here for refinances, questions, and referrals for life.

Loan Programs

Every situation is different. Here are some of the programs we work with — let us find the right fit for you.

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First-Time Homebuyer Programs

Specialized programs with low down payments and flexible credit requirements for first-time buyers.

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NCHFA Down Payment Assistance

Up to $15,000 in down payment help for qualified North Carolina buyers.

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SC Down Payment Assistance

South Carolina programs to help cover your down payment and closing costs.

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VA Loans

$0 down payment for eligible veterans and active-duty service members. No PMI required.

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Refinance & Cash-Out

Lower your rate, reduce your term, or tap into your home equity.

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DSCR Investor Loans

Qualify based on rental income, not personal income. Built for real estate investors.

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Bridge Loans

Short-term financing to bridge the gap between buying your new home and selling your current one.

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Jumbo Loans

Financing for higher-priced homes that exceed conventional loan limits.

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Conventional & FHA

Traditional financing options with competitive rates. FHA loans available with as little as 3.5% down.

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Meet the Team

Real people. Direct access. No call centers, no runaround.

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Hannah Heaslet

Branch Manager

NMLS# 111256

Hannah leads the HRH Team with deep expertise in mortgage lending and a commitment to making homeownership accessible. As Branch Manager, she ensures every client receives personalized guidance from first call to closing day.

(704) 541-1136
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Ron Heaslet

Loan Officer

NMLS# 2445039

Ron works directly with buyers and homeowners to find the right loan for their situation. Whether it's a first-time purchase, refinance, or investment property, he breaks down the process and keeps it simple.

(704) 965-5662
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Michelle

Licensed Loan Officer Assistant

Michelle keeps the loan process moving smoothly, coordinating between all parties to ensure timely closings and clear communication throughout.

What Our Clients Say

Real feedback from real clients.

“Ron and Hannah made our first home purchase so much easier than we expected. They walked us through every step and got us into our dream home with the NCHFA down payment assistance program. Could not recommend them more!”
Sarah M. Experience.com
“As a veteran, I wanted to use my VA benefit but had no idea where to start. Ron explained everything clearly and we closed in under 30 days with zero down. Professional and responsive throughout.”
James T. Experience.com
“We refinanced with the HRH Team and are saving over $300 a month. Hannah was honest about whether it made sense for our situation before we even started the process. That kind of integrity is rare.”
Linda & David K. Experience.com
“Bought my first investment property with a DSCR loan through Ron. He understood investor financing better than the last three lenders I talked to. Closed on time, no surprises.”
Marcus R. Google

Frequently Asked Questions

Answers to the questions we hear most often.

How much down payment do I need to buy a house in North Carolina?
It depends on the loan type. Conventional loans start at 3% down. FHA loans require 3.5% down. VA loans offer 0% down for eligible veterans. Plus, North Carolina's NCHFA program provides up to $15,000 in down payment assistance for qualified buyers. We'll help you find the best combination for your situation.
What credit score do I need for a mortgage?
FHA loans are available with credit scores as low as 580. Conventional loans typically require 620 or higher. VA loans have flexible credit requirements with no official minimum. Your credit score affects your rate, but a lower score doesn't automatically disqualify you — let's talk about your specific situation.
How long does it take to close on a house?
Most purchases close in 30–45 days from contract to keys. Refinances can close in as little as 2–3 weeks. We can often move faster when needed — it depends on the complexity of the loan and how quickly we receive documentation. We set expectations upfront so there are no surprises.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on self-reported income and credit. Pre-approval is a verified commitment — we pull credit, review documents, and issue a letter that sellers take seriously. In competitive markets, a pre-approval letter makes your offer stand out. We can usually get you pre-approved within 24 hours.
How do I know if I should refinance?
The general rule: if you can drop your rate by 0.5% or more and plan to stay in your home at least 3 more years, it’s worth looking at. We calculate your exact break-even point — how many months until the savings exceed the closing costs. Sometimes it makes sense, sometimes it doesn’t. We’ll be honest either way.
What are closing costs and how much should I expect?
Closing costs typically run 2–5% of your purchase price and include lender fees, title insurance, appraisal, prepaid taxes and insurance. On a $300,000 home, expect roughly $6,000–$15,000. We provide a detailed estimate early in the process so you can plan. Some costs are negotiable, and some programs help cover them.
Can I buy a house with student loan debt?
Yes. Student loans affect your debt-to-income (DTI) ratio, but they don’t disqualify you. If you’re on an income-based repayment plan, we use your actual monthly payment — not the full balance — in our calculations. Many buyers with student debt qualify for more than they expect. Let’s run the numbers together.
What is PMI and how do I avoid it?
PMI (Private Mortgage Insurance) is required on conventional loans with less than 20% down. It typically costs 0.5–1% of your loan amount annually. Ways to avoid it: put 20% down, choose a VA loan (no PMI regardless of down payment), or ask about lender-paid PMI options where the cost is built into your rate. We’ll show you all the math so you can decide what works best.

Let's Talk

Have a question? Want to know your options? No commitment, no pressure. Just a conversation.