Ken Pederson "On The Money"

Are You Feeling the Market Pick Up? Want to?

2012-01-27T09:46:00.002-05:00

Ken Pederson from FAIRWAY Independent Mortgage Corp. in Lancaster, PA, asks if you're feeling the market pick up, too. Want to make your market pick up? Focus on prospecting, marketing (who's getting your message and how consistently?) and networking. He shares tips from 3 top voices in the real estate world: Floyd Wickman says write down your goals. Bill Hart says get clear on what you want for this year. Michael Maher asks what's your word for the year that sums it all up and helps you make it happen?Link

3 Bedroom Home for sale in Conestoga PA

2012-01-22T11:29:00.001-05:00

"3 bedroom home for sale in Conestoga PA", "28 Peach Lane Conestoga PA 17516", "real estate for sale in Conestoga PA", "Homes for sale in Conestoga PA"
This is a very well kept home and one more example of a property that can be purchased with No or Low Down Payment Financing, such as FHA or USDA/Rural Housing. (of course, there are qualifying guidelines...) Call us at 717-431-9299 for more information on you may qualify to purchase this home or others.

Courtesy of Ken Pederson
FAIRWAY Independent Mortgage Corp.
Home Loans in PA

Veteran makes buying a home, inexpensive...

2012-01-12T23:25:00.000-05:00

Congrats to Frank, one of our clients that just purchased a home this week. Frank is a Navy Veteran and took advantage of the No Down Payment feature of VA financing. Unfortunately for Frank, he is also disabled. However, that allowed him to obtain his VA financing with no Funding Fee and after settlement, he can apply to the State of PA to have his real estate taxes waived while he lives there. (This varies from State to State, but most States allow). VA home loan financing still exists and can be an excellent tool for qualified Veterans to use when buying a home. And Thank You to Frank and all of our service people... for your service.

Veterans can find more information on purchasing a home at FAIRWAY VA

Home purchased with No Down Payment...

2012-01-12T23:22:00.000-05:00

Congrats to Jenn and her new home this week. Another lender "nixed" this loan, so happy we could make it happen for her. She purchased this home with less than $1600.00 out of pocket (total!), no down payment and her total home payment with taxes is under $650/month with a safe, fixed, 30 year loan. Are you kidding me! Who says renting is better? Get real. By the way, Jenn the home-buyer is 21 years old and BIG thanks to our Ops staff that figured out how to underwrite this loan, quickly, and get it to the table. And also to the LO at the other mortgage shop that was brave enough to know that just because she couldn't, didn't mean someone else couldn't. Give her a lot of credit, many LO's don't have the guts to truly look out for their customers.
Help me celebrate "National Home Buyer Month" by sharing this with your friends and family! :)

Great landscape...

2012-01-12T23:20:00.000-05:00

This is "Thor's Well" in Oregon... very cool

1/6/2012 Wow and Wow

2012-01-06T16:39:00.000-05:00

Ken Pederson of FAIRWAY Independent Mortgage in Lancaster, PA, talks about New Year's resolutions, and following a simple and doable business plan.

Mortgage rates stay low.

2012-01-05T21:45:00.000-05:00

mortgage rates continue to stay low. if you haven't considered refinancing yet, now is the time. our clients are refinancing for many reasons :
1. lower rates for lower payments and cash flow improvement.
2. debt and mortgage consolidation.
3. cash out for home improvements.
4. cash out for financial planning.
call us at717-431-9299 to discuss your options.

Real Estate Corner ...

2012-01-05T11:38:00.001-05:00

Q. Does it still take a lot of money to purchase a home in today’s environment?

A. Despite what some media pundits are exclaiming, NO. It is actually possible to purchase a home with NO and very little down payments. And, there are some not so new financing options that actually allow for reduced closing costs. So, not only can some people purchase a home with no or a very low down payment, they can also receive low closing cost options making it even easier to purchase a home to live in today.

Some in the media also say that buyers need 700+ credit scores and that too is not accurate. There are home purchase programs that allow for credit scores in the 600’s, what we would call medium credit or credit with some nicks and bruises.

The key is working with the right Realtor and lender, professionals that know and understand the market and what options truly exist so the home buyer can be properly educated. With the right education, potential home buyers can make the right decision for themselves.

If you or someone you know would like more information on our NO and Low Down Payment Loan Programs and our somewhat new… Low Closing Cost loans… call us at 717-431-9299.

Easiest way to drop a few lbs and feel better...

2011-12-27T12:04:00.002-05:00

Merry Christmas and Happy Holidays to you. If you are like me, you might be feeling a little stuffed and bloated from eating too much food and too many sweets over the past few days or weeks like I was. If yes, here are the top five ways to feel better and drop a few lbs too.

1. Cut out the junk food and Holiday cookies. Many people eat over 1000 calories a day of junk food and sweets. And while that might not sound like too much, think about how that adds up over the course of a month and a year? Extra pounds. Just eat better.

2. Eat more fiber. Beans, bran, cereal, oatmeal, many berries, apples and broccoli... Fiber fills you up and keeps you feeling full longer so you are less inclined to snack and you may also eat smaller meals.

3. Cut out the sugar and high fructose corn syrup. Sugars are highly addictive, cut them out and reduce their cravings.

4. Drink more water. More water helps your metabolism so you burn more calories during the day. This one is easy, it's free.

5. Exercise. If you work out now, add a short walk at a different time of day. If you can't find the time to workout, find the time for a 5 minute walk. Before work, after dinner or between household chores. Even a five minute walk a day will help you feel better.

Good luck and remember... you do not have to make dramatic changes in your diet and lifestyle to lose a few pounds and feel better. Just a few minor changes will add up and over time, produce great results for you.

Diet Tips After the Holidays, and Bye Bye PMI Tax Break

2011-12-27T11:50:00.001-05:00

Ken Pederson from FAIRWAY Mortgage in Lancaster, PA, shares some of his post holiday dieting tips, and talks about a few upcoming tax changes, including deducting your private mortgage insurance.

Happy Holidays

2011-12-23T11:35:00.002-05:00

My favorite Christmas writing...

2011-12-22T07:25:00.000-05:00

Yes Virginia... there is a Santa Claus.. Read the entire newspaper column

We need your help

2011-12-21T11:34:00.002-05:00

They need your help!!

2011-12-13T16:22:00.001-05:00

We need your help. We are collecting goods for The Milagro House in Lancaster. The Milagro House helps homeless women and children to restore their lives. We are collecting diapers (size 4-5-6), garbage bags (tall and 30 gallon), household cleaners, paper towels, toilet paper, bleach, feminine products, dishes, towels, sheets and similar items. Also, food items in jars or boxes that are still fresh are welcome also. We have a laundry basket on the front porch to make it easy to stop by and drop items off or call us and we'll make arrangements for pick up. It's the time of year to help others and we're asking our friends, partners and great clients to help out, if you so desire. Remember, every little bit helps those less fortunate to a happier holiday season and New Year. Thank you!

Ken Pederson
FAIRWAY Independent Mortgage Corp.
3008 Columbia Avenue
Lancaster, PA 17603
717-431-9299
nmls: 134943

Realtors - Getting Your Listing in Google's Top 5

2011-12-09T13:07:00.001-05:00

Ken Pederson of FAIRWAY Independent Mortgage Corp. discusses getting your house listing to show up in the top 5 google listings. Strong selling point when talking to potential home sellers. Also, we're collecting items and donations to give to the Milagro House in Lancaster, PA. The Milagro House helps single mothers by providing a safe place to live, and helping with education and resources for these women to get back on their feet toward a brighter future. Last, are you one of our Facebook fans?

Thinking of paying off your mortgage before retirement?

2011-12-07T09:57:00.000-05:00

Here is an excellent read from Rick Rodgers, Certified Financial Planner, regarding this subject... Should I or shouldn't I?

Ken Pederson
FAIRWAY Independent Mortgage
Lancaster, PA
FairwayPA.com

Milagro House Drive

2011-12-05T16:19:00.001-05:00

We're collecting together supplies to improve this holiday season for the mothers and children at the Milagro House. http://www.milagrohouse.org/ - they always need items like:

Diapers (sizes 4, 5 & 6)
Garbage bags (tall kitchen and 30 gallon)
Household cleaners
Paper towels
Toilet paper
Antibacterial hand soap
Bleach
Feminine products
Quality food items
New clothing and toys
Monetary donations.
If anyone wants to contribute, we'll be putting out a basket to collect items after hours, and you can always stop in while we're here.

Milagro House Lancaster PA

www.milagrohouse.org

3608 Peregrine Circle, Mountville is for sale

2011-12-01T16:50:00.001-05:00

This is a nice property in Mountville, listed by my friend, Steve Huber...

This home, 3608 Peregrine Circle, Mountville, PA is for sale and is listed by Steve Huber at ReMax Associates of Lancaster.

Can you really buy a home with No Money?

2011-11-17T20:53:00.000-05:00

Yes and no... While you can certainly purchase a home with a No Down Payment mortgage, (assuming you qualify and meet the No Down Payment loan guidelines) there are still closing costs to pay. So, if you can negotiate your contract properly and have the seller pay all of your costs... YES, you can purchase a home with no money, sort of.

Even though you have No Down Payment and the seller is paying all of your closing costs, you still need some money. When you write your contract, you will need money for a deposit and you typically need to pay for your appraisal too. So, you will need some money to purchase a home... you can structure your financing so you get your deposit and appraisal money back at closing!

The answer is yes and no. You can purchase a home with no down payment and seller paid closing costs, but, you will need a few bucks during the process. As long as you can part with a few bucks for a few weeks until it comes back to you at closing... you can do it!!

Call us at 717-431-9299 to discuss how you might be able to accomplish this and become a home owner.

Ken Pederson
FAIRWAY Independent Mortgage Corp.
nmls: 134943
Mortgages in PA

Mortgage Rates stay LOW!!

2011-11-17T20:45:00.000-05:00

Here's our "bond chart". Keep in mind, mortgage rates move in the opposite direction of bond prices. So, as bond prices go up (green)-mortgage rates go down. As bond prices go down, as seen in red- mortgage rates up.

Courtesy of Ken Pederson
FAIRWAY Independent Mortgage
nmls: 134943
Home Loans in Pennsylvania

Thinking of Refinancing? IMPORTANT READ.

2011-11-17T20:20:00.000-05:00

Many of our clients are hesitant to pull the trigger on a refinance because they are afraid their property value has fallen... to the point where there is little to no or even negative equity in the home. Others just aren't sure and it can be difficult to structure a refinance without knowing how much equity is in the home. There are options!

First, for some, getting a Preliminary Desk Review completed by a State Certified Appraiser is step one and at only $99., easier to stomach than the price of a full appraisal. While the value can change after a site inspection, this is the best way to get as close as possible to the value of your home. And, if you do go thru with the refinance with us, you get the $99. back at closing.

Secondly, if you think there is little to no to negative equity in your home, HARP 2, the new government program is going to hit the streets soon. This new program is going to allow many homeowners the opportunity to refinance, even with negative equity in their home. There will be guidelines and a good payment history required, but this will be the best opportunity and most lenient refinance program we've seen in a long time. This program will primarily help those people with conventional mortgages.

More info to follow, as soon as our investors get their guidelines together and are able to start taking applications.

Buying a home? How much should you put down?

2011-11-17T20:13:00.000-05:00

Here is a good read from our friends at The KCM crew... How Much Should You Put Down?

Are You Being Planned?

2011-11-04T09:39:00.001-04:00

Ken Pederson of FAIRWAY Independent Mortgage in Lancaster, PA, asks, "Are you being planned?" Building a business plan is only step two. Step one is to plan your day. Color coding, time blocks, looking ahead to tomorrow are several good techniques for planning your day, as opposed to the other way around.

Are You King of the Jungle?

2011-10-28T11:29:00.002-04:00

Ken Pederson of FAIRWAY Independent Mortgage in Lancaster, PA asks, are you the King of the Jungle when it comes to hunting for new business? We all know someone like that - but what do you do if that isn't your personality? Looking for new leads can be hard, and Ken presents a plan to help grow your business for today and tomorrow, even if you aren't the King of the Jungle.

Is Your Phone Ringing?

2011-10-21T12:00:00.000-04:00

Ken Pederson of FAIRWAY Independent Mortgage in Lancaster, PA asks: Is your phone ringing? Too many people wait for the phone to ring to get busy. Pick up the phone and be proactive. Who to call? When to call? Watch.

Put Your Boots On!

2011-10-20T22:17:00.000-04:00

The "Boot Campaign" is one way of giving to all of the service men and women that protect our rights, freedoms and this great Country. The motto of the Boot Campaign is "When they come back, we give back." You buy some very well made boots and a portion of the monies go to several various charities that support our service men and women that need some extra help, care, attention, medical aid upon returning... A great cause. At FAIRWAY... We Put Our Boots On!! How about you!

Our newest family member...

2011-10-20T22:10:00.000-04:00

This is Teddy, our new family mascot. She is a standard poodle will grow to about 45 LBS. We gave her a more normal haircut opposed to the more typical poodle look. She is bonding well with the family and filling a void, but never replacing Skooter. Welcome Teddy...

Best read of the year...

2011-10-20T22:00:00.000-04:00

This is one of those books that just screams at you with relevance, if you are into sales, marketing, networking and growing a business... The Seven Levels of Communication by Michael Maher. Maher is a Realtor himself and thru a story, he tells how to develop a farm thru fertilization and nurturing that fees you for as long as you pay attention to it. Developing a farm that reaps a harvest is more profitable and more sustainable than continuing to be a hunter and continuously looking for the next kill. Maher himself earns over 500 referrals (not leads, real referrals) and he tells us how thru his well written story. Once again, this is a must read for anyone in sales, marketing, networking and looking to grow and improve their business.

Eagles Football...

2011-10-20T21:54:00.000-04:00

I think the Eagles are happy to have a bye week. An OK win over the Redskins and a little extra time to heal the bumps and bruises and come together as a team as they head into the second half of the season. And as I see it, the tough part of the season. Cowgirls, Patriots, Jets, Giants again... Even San Francisco is a threat these days.

USDA is Back

2011-10-12T09:17:00.002-04:00

While other banks may be delayed still on USDA mortgages, FAIRWAY is getting them closed. Congrats to Randeen Orner, and a reminder to agents who want to understand more about Reverse Mortgages... our Realtor Summit Training Lunch n' Learn is next Wednesday. Reserve a seat here: www.fairwaypa.com/resignup.html

2011-10-07T11:41:00.000-04:00

Ken Pederson from FAIRWAY Mortgage in Lancaster PA discusses the value of having today. Plus, watch for a chance to win Penn State tickets!

Old USDA/rural housing Versus New USDA/rural housing... BIG(?) changes

2011-10-04T11:56:00.000-04:00

Courtesy of Ken Pederson
FAIRWAY Independent Mortgage Corp
nmls: 134943

Columbia Bridge-Bust...

2011-09-29T21:10:00.000-04:00

After the Harvest Fest, head down to the Columbia Bridge-Bust and take in what Lancaster County is all about. Good traditions, good stuff, good people and good times... Go for it...

http://lancasteronline.com/article/local/294989_22nd-Columbia-Wrightsville-Bridge-Bust-set-for-Saturday.html

What's the "Harvest Fest"?

2011-09-29T21:06:00.000-04:00

Harvest Fest is a cool little "festival" held at the Lancaster Central Market, this Saturday, October 1st from 8am to 12. Right down town in Lancaster... Historic Central Market. Be there, go have some fun and good food.

Why are buyers feeling some pain?

2011-09-29T21:03:00.000-04:00

2011-09-23T14:32:00.002-04:00

Ken Pederson from FAIRWAY Independent Mortgage in Lancaster, PA talks about how the Fed announced Wednesday they'd buy 400-500 billion dollars buying long term bonds to keep mortgage rates low. Check out the results: http://screencast.com/t/6w2QKQ3TYUV So, what can you do with this information? Help your clients by letting them know what this means. Does it make sense for your clients to refinance with these amazingly low mortgage rates?

2011-09-22T08:57:00.002-04:00

Ken Pederson of FAIRWAY Independent Mortgage Corp. in Lancaster, PA, talks about the Fed's announcement to buy long term bonds to keep long term rates low. What happened? About 145 basis points improvement in bond prices. That doesn't equate immediately to a lower rate, but in the next few weeks, we'll see...

Will mortgage rates go even lower??

2011-09-22T08:17:00.002-04:00

2011-09-19T15:31:00.002-04:00

Ken Pederson of FAIRWAY Independent Mortgage in Lancaster, PA discusses how final inspections are being required before settlement of every property appraised before the recent storm. Appraisers are working extra hard to make this happen, so the next Appraiser you see, give them a big thanks for all of their hard work. Also, Ken goes over a technique for maintaining and improving the strength of your referral circle.

Long term employees...

2011-09-15T21:36:00.000-04:00

How valuable are long term employees? Hard to tell, but I say, VERY valuable. This past week, Monica at our office had her 5 year anniversary. Not too long in the big picture, but considering we have only been open for 5 and 1/2 years, she is a long time employee.

I can't speak for your employees, but I can speak for FAIRWAY and Monica is VERY valuable...!

The flood and the mortgage industry

2011-09-15T21:31:00.000-04:00

Irene and the floods were devastating to many families. Locally, Lancaster County and many other Counties in PA have been declared as major disaster areas. For the mortgage and real estate industry, BIG changes in how we do business for a while. Every single home that was appraised for a home purchase or refinance, before the big storm, needs a final inspection with pictures taken of the basement and ceilings.

This is keeping the appraisers VERY busy. Now they are running like crazy to inspect all of the homes that are going to settlement soon and charging accordingly, further raising the costs of the buyers or the lender. And hopefully, there is no water damage, but if there is... the damage has to be addressed. Typically adding new costs and reduced proceeds on the sale of the home.

Temporary for sure, but what a necessary pain in the back for the time being.

How to pick your lender...

2011-09-15T21:17:00.000-04:00

Are you on the verge of buying a home or refinancing? Click here to read...

Courtesy of Steve Harney and the KCMblog.com

9/2/11 Ken's Korner - Appraisals and the end of the month

2011-09-13T09:30:00.001-04:00

9/2/11 Ken talks about the national change to appraisals and how it is going to affect the real estate industry, and particularly how to handle the end of this month.

You are cordially invited... Realtors and real estate people take notice!

2011-09-01T14:07:00.000-04:00

If you are in Real Estate, this is a Must Attend event. If you are in sales, marketing, networking... you should strongly consider attending our event next Thurday, Sept 8th at the Eden Resort Inn. Registration form is below.

Two of the top speakers/consultants/trainers on the RE circuit are coming to Lancaster. It's an experience to see one of them, much less two on the same ticket, in the same morning. And the cost of $79/person is being covered by the sponsor, so it's FREE to you.
* How to earn trust in a doubting age
* What one thing all top producers do, to stay on top
* How to stay focused on the high priority activities
* and much more...
* Laugh, get educated, get informed, get inspired!

You can see, these topics and messages should resonate with anyone in sales, marketing and networking business. Register now at: www.FairwayPA.com/SteveHarney

Call Cheyenne or Ken at 717-431-999 for more info.

this is HUGE for Realtors... save time, save big $$ and improve your biz.

2011-09-01T12:06:00.002-04:00

Ken Pederson
FAIRWAY Independent Mortgage

How do you earn $1mill in commissions per year, by referrals alone?

2011-08-30T15:30:00.000-04:00

Ken Pederson from FAIRWAY Independent Mortgage Corporation in Lancaster, PA, discusses the upcoming FHA change in October 1st, 2011. FHA will lower the artificially raised loan limits back down to $270,000. Also, how do you earn $1,000,000 per year in commissions through referrals alone? Ken has a book on just that subject that will be given to the first 200 people at our Real Estate Event Sept. 8th in Lancaster, PA. Steve Harney and Darryl Davis are going to speak, and it promises to be a great time!

Realtors, Protect Your Settlements!

2011-08-26T16:07:00.005-04:00

From www.kenskorner.tv - Ken talks about the disruption being caused by the credit bureaus' trigger leads initiated the moment a lender pulls your client's credit. www.optoutprescreen.com is a good way for your clients to protect themselves. Also, September 1st will bring the "UAD." All appraisers will have new coding in their appraisal forms in an effort to further standardize the home appraisal process. Be aware of the changes this will make time-wise, and what might be needed from you, the agent, for settlements to proceed on schedule.

Yes, you can refinance...

2011-08-25T20:08:00.000-04:00

Be wary, some in the media is trying to make people believe it is hard to get a mortgage. Today, it's certainly harder to get a mortgage than say 3-4 years ago, but then, anybody could get a mortgage. Today, people with ok to better credit, somewhat stable employment and income history and here's a mortgage for you.

The one big obstacle for some people is the amount of or lack of equity in their home. If you purchased a home three years ago with no down payment... well, you might struggle. However, it's worth a call to your current lender to see if they have the ability to help. There are some lenders that will approve a mortgage, even if there loan balance is higher than the appraised value.

Have questions, want to discuss? Want to look at refinancing yourself? Call us at 717-431-9299.

18 North Grant Street, Manheim, PA

2011-08-21T13:29:00.001-04:00

Contact Don at DonSpica.com

Don's Properties

2011-08-21T12:52:00.002-04:00

What is the Generosity Generation?

2011-08-19T15:17:00.001-04:00

Ken discusses the FHA loan limits sinking back down on October 1st, 2011 to what they were before the boost. Also, no down payment loans will have a reduced funding fee on all loans approved by USDA October 1st, 2011 and later, but they will also have a monthly mortgage insurance payment. Finally, are you a connector with other people in your network? Do you take care of those around you, and have you joined the spirit of the 'Generosity Generation?' The philosophy is, the more you give, the more you get.

Thinking of refinancing? Shorter or longer term? What's right?

2011-08-19T08:14:00.004-04:00

This is a difficult question to answer, primarily because, there is no right answer. Each family, each home owner has different goals and lives in a different situation, so there is no right answer that fits all.

Shorter term mortgages like 10 and 15 year mortgages offer the lowest rate, but also come with the highest payment. While a family may qualify for this higher payment, it comes with risk:

What if you lose some income due to job loss, cut backs in OT, physical disability? What was a comfortable payment, may not be anymore?
Your financial plan may be better served investing in other places or for long term growth as opposed to putting extra money into home equity which has no growth rate.
Paying down your mortgage fast will increase your tax payments as you are losing tax deductible interest costs.

On the benefit side:

Shorter term mortgages save long term interest costs
You will build equity faster
Forced saving, but remember, if you can deduct mortgage interest costs, you are not really saving the interest rate on the mortgage because your net cost of the mortgage is lower. Uncle Sam pays some of the interest for you.

Longer term mortgages, like 20 to 30 year terms provide some benefits:

Can be safer if there are financial difficulties due to having lower payments
You can always pay ahead if you want
You have the flexibility to put your money where it will work best for you
But, these mortgages will have higher interest costs over the long run

This decision shouldn't be made without thinking through it and without seeing the costs and benefits of each option, over a given time period. Our Mortgage Analysis Tool will help you weigh the pros and cons of shorter term versus longer term financing... And, if you work with a Financial Planner, it's important to review your plans to make sure your decision isn't fighting against your plan. Your mortgage should enhance your financial planning, not hinder it.

Ken Pederson
FAIRWAY Independent Mortgage Corp.
Mortgages in Lancaster County

Time to Refinance? Cash-out or Rate-Term?

2011-08-19T08:12:00.003-04:00

If you are thinking of refinancing, think fast and move fast... Now is the time. Rates tend to move down slowly and up FAST. When rates drop low, it doesn't take much to push them higher before you can say "lock me in".

Two terms you should be aware of. A "Rate-Term" refinance is when you are just refinancing the current mortgage balance and not consolidating any debt or rolling two mortgages into one. Your goals are to lower the interest rate or reduce the term or both. This is the most common refinance. We use sophisticated software to help you choose the right term (number of years) to meet your financial goals. Taking the shortest term possible may give you the lowest interest rate, but it also gives you the highest payment. These items need to be considered and we can help.

A "Cash-Out" refinance is when you are consolidating debt into your mortgage, combining two mortgages into one or taking equity/cash out of your home for other purposes such as financing/college planning, home remodeling or other concerns. A "cash-out" refinance can have different loan limitations as compared to a Rate-Term refinance and can also carry a small rate premium, depending on the loan balance compared to the appraised value.

So, if you are trying to compare rates between lenders, you can't just call and ask for refinancing rates, you need to know if you want to cash-out or just do a rate and term and also, credit scores, loan balance to home value, condo versus single family home and some other items too.

Lastly, make sure you receive a Mortgage Analysis Planner before you apply so you can easily see multiple options with various rates, terms, no or low closing cost options and more... Call us, we can help. 717-431-9299.

Ken Pederson
FAIRWAY Independent Mortgage Corp.

Do you "vlog"?

2011-08-17T08:40:00.000-04:00

Here is a message from Bill Hart, long time Coach, trainer, mentor, visionary to the real estate and mortgage industry. Click on... Bill Hart.

Ken Pederson
FAIRWAY Independent Mortgage Corp.
Lancaster, PA 17601
mls: 134943
www.FairwayPA.com

2 Big Loan Changes

2011-08-12T14:02:00.001-04:00

2 huge loan changes are coming. First, FHA will reduce loan limits on October 1st. Also on October 1st, the USDA funding fee will reduce from 3.5% down to 2%, but they are also adding a small monthly mortgage insurance payment.

White water rafting...

2011-08-04T21:31:00.002-04:00

This short video is from our recent trip to West Virginia and some rafting on the Gauley River. Mostly class 3, 4 and 5 rapids... BIG stuff.

We are not in the first raft, but watch what happens after it gets caught on a rock and then stuck in dangerous river "hydraulics". My family and I are in the second raft coming thru and watch me and my son get dumped after the first drop and then sucked down thru the same hydraulics the first raft get stuck in... luckily, we both pop up down river about 20 yards...

FHA loan limits to DROP like a rock in lancaster

2011-08-04T21:08:00.003-04:00

Effective October 1st, FHA loan limits in many counties around the US will be reduced to former levels. After the mortgage/real estate crash, FHA limits were temporarily raised to help the housing market get back on it's feet and that temporary increase in loan limits is about to expire. It's possible the deadline will be extended, but as of now, no.

Locally in Lancaster County, the FHA limit will be reduced by $112,000.! That's HUGE... However, when you dig into it, across all of PA, only 3% of FHA loans funded were in this higher limit range. So while it will hurt a tad, it's not huge.

This move will result in pushing some buyers in these higher price ranges move from a 3.5% down payment with FHA to 5% conventional loan. Not much of an increase, however, there are more restrictions on seller concessions with 5% conventional loans, so it will require more $$ for buyers in this range.

Ken Pederson
www.FairwayPA.com
nmls: 134943

Success story...

2011-08-04T21:02:00.002-04:00

A young man was referred to us by a Realtor.. unfortunately, he was frustrated as he had spoken with a couple of lenders already and both told him to come back in a year. He was excited to become a home owner and take advantage of low real estate prices and the crazy low rates.

After reviewing his credit and financials, we made two easy recommendations that he was able to take care of and after only two weeks, we were able to issue a nice clean PreApproval Letter for him.

He just settled on his first home! Sometimes, it just takes experience and the knowledge of knowing how to find solutions. Do you know anyone that can utilize our help in purchasing a home?

Ken Pederson
FAIRWAY Independent Mortgage
Lancaster, PA
nmls: 134943
Mortgages in Lancaster

Mortgage rates make a BIG move down...

2011-08-04T20:56:00.004-04:00

Mortgage rates took a dive and that's good news for home buyers and those home owners that haven't refinanced already... Check out the chart above, green is good and red is bad. Mortgage rates move opposite of the green direction so it's not hard to see this weeks action.

Want to discuss your options? Call me at 717-431-9299.

Ken Pederson
FAIRWAY Independent Mortgage
Lancaster, PA
nmls: 134943
Mortgages in PA

Are you into white-water rafting...

2011-08-02T22:22:00.001-04:00

Here's a little snippet from our rafting last week on the Upper Gauley in WV. We are not the first raft over, but watch what happens to the raft as it gets "stuck" in the hydraulics and is violently tossed about. We're in the second raft and after the first drop, dad knocks his son out of the raft and we're swept down the second drop right thru the violent water the first raft was stuck in... FUN!
Click Right Here...

Ken Pederson
FAIRWAY Independent Mortgage

What is really happening in Real Estate?

2011-08-02T20:46:00.002-04:00

EYou are cordially invited to our upcoming Real Estate Event on Thursday, Sept 8th from 9AM to 12PM. Our Keynote speaker is Steve Harney, a nationally recognized speaker, trainer and consultant to the real estate industry.

Steve and an additional guest speaker is going to tell us everything that is really happening in the national market and the local market... How long until this market starts to turn and when will real estate drag this economy out of the doldrums? and much more.

All for free and we'll have some give-aways and chances to win some Philadelphia Eagle or Penn State Football tickets and more.

Educational, informational, valuable and fun... come on out and join us.
Click on the link... Harney in Lancaster. FREE.

Ken Pederson
FAIRWAY Independent Mortgage
nmls: 134943
Mortgages in PA

Ken's Korner... Hazards, FB tips and more for you

2011-07-22T08:36:00.002-04:00

Quick snippets to protect your health, some FB tips and more.

Click on Ken's Korner.

Nationally recognized speaker comes to Lancaster

2011-07-22T08:18:00.002-04:00

Steve Harney, recently called one of the top 100 most influential people in real estate is coming to Lancaster on Thursday, September 8th. Sponsored by FAIRWAY Independent Mortgage. You may register for this event right here... Steve Harney and FAIRWAY PA 717-431-9299 for any questions. The event is being held at the Eden Resort from 9AM to 12PM.

Ken Pederson
FAIRWAY Independent Mortgage
Lancaster, PA
717-431-9299
Mortgages in PA

Register right here, save your spot now... Steve Harney and FAIRWAY PA.

Do you know a Mortgage Loan Officer?

2011-07-20T21:40:00.003-04:00

We are looking to hire Mortgage Loan Officers and would appreciate any referrals or tell them to call me at 717-431-9299. And thank you!

Ken Pederson
FAIRWAY Independent Mortgage Corp.
Lancaster, PA
nmls: 134943
Mortgages in PA

Ken's Korner and Facebook tips...

2011-07-20T21:38:00.000-04:00

Top 2 tips for keeping your credit scores higher!

2011-07-20T10:38:00.003-04:00

Credit scores drive all of your borrowing costs... mortgage rates, equity loans, car loans/leases, credit card rates and even insurance costs. The best ways to keep your score high and moving higher are:
1. Pay your bills on time
2. Keep your credit card balances low. When your balance goes over 30% of your limit, your scores go down. When your balance is greater than 50% of your limit, your scores go down farther. To raise your scores, your balances should be paid to $0 each month, if possible or to less than 30% if possible. This is one of the key factors hitting or driving up your credit scores.

Ken Pederson
FAIRWAY Independent Mortgage Corp.
nmls: 134943
Lancaster, PA
Mortgages in PA

Mortgage rates in the 3's?

2011-07-07T20:55:00.002-04:00

Crazy as it sounds, yes, some mortgage rates are in the 3's. We have 10 year mortgage rates in the low 3's with zero points and 15 year terms higher in the 3's, also with zero points. Remember, mortgage rates will vary from client to client based on scores, loan amount, reason for refinancing, equity position and more factors... For a custom loan quote and comparison between your current mortgage and new terms, call me at 717-431-9299. With our Mortgage Analysis Tool, you will know if refinancing makes sense and which option will be best for you.

Ken Pederson
FAIRWAY Independent Mortgage
nmls: 134943
mortgages in PA

Stop paying rent... right now!

2011-07-07T20:49:00.002-04:00

Are you tired of paying rent, paying someone else's mortgage? 6-8-10 thousand dollars per year or more out the window? It's time you read this article and learn more about how to stop paying rent, right now... Go to RescuingRenters right now.

Ken Pederson
FAIRWAY Independent Mortgage
nmls: 134943
Mortgages in PA

How do you refer?

2011-07-07T20:47:00.002-04:00

From my buddy and long time Realtor/Lender Coach, Bill Hart...

How do you refer?

Ken Pederson
FAIRWAY Independent Mortgage
nmls: 134943
Mortgages in PA

Credit, all about credit...

2011-07-07T08:10:00.001-04:00

Join us on Wednesday, July 20th for our monthly Realtor Summit Training. 12 to 1 and FREE lunch is provided.

What you will learn:
1. Why credit is so important to your financial health
2. What drives credit scores up or down
3. How to help credit challenged buyers to purchase homes and sell more homes
4. Why what we learned in the past about credit doesn't count today.

Click here... Realtor Summit Training FREE

Ken Pederson
FAIRWAY Independent Mortgage
nmls: 134943

Selling a home?

2011-06-30T21:34:00.003-04:00

If you are selling a home now or on the verge of selling a home... keep this in mind. Now is not the time to price your home high and negotiate down. Now is the time to price your home right, listen to your very good Realtor and stick to the price. Price it right and the people show up. Price it high and many buyers won't even come look and many Realtors won't show it.

1. Make sure you are working with a really good Realtor for proper representation and negotiation skills.
2. Price it right
3. Be prepared to pay some closing costs. Many home buyers need help with closing costs and the seller is the easiest place to get help.

Good luck and if you would like our Free Report, how to sell your home for top dollar, give me a call at 717-431-9299 or send me an email... kenp@fairwaymc.com

Ken Pederson
FAIRWAY Independent Mortgage
nmls: 134943
Mortgages in PA

Fastest way to get out of debt and pay off your mortgage

2011-06-30T21:26:00.002-04:00

Check this out... This site/software is not only free, it can save you thousands and possibly tens of thousands of dollars of interest. My Home Nest Egg This is a unique programt that helps people to get out of debt and/or payoff their mortgage in a really short period of time and no, this is not a bi-weekly mortgage. This program started in Australia and is used by tons of people.

www.MyHomeNestEgg.com

Ken Pederson
FAIRWAY Independent Mortgage
nmls: 134943

Renters... learn how to never pay rent again!

2011-06-30T21:16:00.003-04:00

Free Report... never pay rent again, just click on RescuingRenters.

Ken Pederson
FAIRWAY Independent Mortgage Corp.
nmls: 134943

Save on taxes... Interest/RE Tax deductions and more

2011-06-18T09:49:00.001-04:00

Here's a good read from my buddy Lee... More on valuable deductions

FREE Reports...

2011-06-16T20:57:00.002-04:00

1. How to buy a home with NO DOWN PAYMENT
2. How to stop paying rent and own your own home
3. 10 questions to ask before you apply for a mortgage

And more... Go to Free Reports.

FAIRWAY Independent Mortgage Corp.
nmls: 134943
Mortgages in PA

RATES drop to all-time lows...

2011-06-16T20:53:00.002-04:00

Many people do not know this, Mortgage Rates have dropped to their lowest point all year. 10 year financing is available in the low 3's, 15 years in the mid-high 3's and 20-30 year terms in the mid-high 4's. Mortgage rates will vary based on loan amount, credit scores, loan program, loan term, purchase versus refinance, time to settlement and more...

Call me at 717-431-9299 if you are thinking of buying a home or would like to discuss your home refinancing options. Take cash out, consolidate, lower terms, financial planning, college planning, lower payments for better cash flow... You name it, we'll try and help.

Ken Pederson at 717-431-9299.
FAIRWAY Independent Mortgage Corp.
nmls: 134943
Mortgages in PA

How to build credit

2011-06-16T20:46:00.002-04:00

It's almost impossible to buy a home or a car, without having any credit. In today's mortgage world, having no credit is the same as having bad credit.... No Dice.

Here are the two easiest steps to take.

1. Find a local bank or credit union that reports to all three major credit repositories. (It's very important the creditor reports to all three.) Ask them if they offer "secured credit cards". Not a debit card, a secured credit card. You give the lender $500.00 on deposit and you get a credit card with a $500. limit. If you don't pay, they withdraw from the deposit account.

2. Same as above, and ask the creditor if they provide secured loans. Give the bank $1000 in a CD or similar deposit account and get a loan, secured by the deposit. You get small monthly payments over one to two years and get to build credit. Once the loan is paid back, you get your money back too.

These two steps will get you a credit score, real fast. Need more information regarding a home purchase? Call me at 717-431-9299.

Ken Pederson
FAIRWAY Independent Mortgage

FREE Lunch and Learn next week...

2011-06-16T20:41:00.002-04:00

Strong learning opportunity for Realtors and Insurance Professionals... Wed the 22nd from 12 to 1 and a free lunch, at LCAR. We'll be teaching how to sell more homes to more people and help to set them up financially. How to get out of debt and pay off your mortgage in less than 9 years if they want. And how to build a "Family Bank" or "Mortgage Investment" to aid in the financial health and wealth.
Register right now... Realtor Summit Training.

Ken Pederson
FAIRWAY Independent Mortgage Corp.
Lancaster, PA
nmls: 134943

mortgages in PA

685 Bridge Valley Road for Sale

2011-06-15T22:15:00.002-04:00

Here's a great home for sale that fronts the mighty Susquehanna River... This custom home will make someone a great home or vacation property. Low and no down payment financing is available too. See more by clicking on the link: 685 Bridge Valley Road

Ken Pederson
FAIRWAY Independent Mortgage Corp
mortgages in PA

Danger in your home... Be CAREFUL!

2011-06-08T11:04:00.001-04:00

Ken Pederson
FAIRWAY Independent Mortgage
nmls: 134943
mortgages in PA

1 Mason Court, Lancaster, For Sale

2011-06-06T20:14:00.005-04:00

Check out this marketing video... 1 Mason Court This is a really spacious, maintenance free condo near Lancaster City, but feels like it's in the Country.

See more of One Mason Court

Ken Pederson
FAIRWAY Independent Mortgage
mortgages in PA
nmls: 134943

Trivia Question for 4 Barnstormer Tickets...

2011-06-02T20:50:00.002-04:00

Answer the trivia question below and you may win 4, front row tickets to the Lancaster Barnstormers...

Question: Can you name 6 movies that John Wayne died in? Knowing that he made almost 250 movies, you must know 6 of the 8 that he did die in?

Send your answer to kenp@fairwaymc.com

Winner to be announced next week.

Fixer-Upper Loans...

2011-06-02T20:46:00.002-04:00

Did you know that fixer-upper loans do exist and are available to home owners, even with little equity in the home for home owners and with low down payments for home buyers.

Our fixer upper program allows you to do up to $31,500.00 worth of repairs, painting, new cabinets, flooring, roofing, windows, remodeling, HVAC work... just about anything except for structural work.

And with very low interest rates. Call me at 431-9299 to discuss.

Ken Pederson
FAIRWAY Independent Mortgage
nmls: 134943
Mortgages in PA

Stink bug problem?

2011-06-02T15:38:00.001-04:00

Check out this link... Stink Bugs Go Away.

Ken Pederson
FAIRWAY Independent Mortgage Corp.

Protect This House!

2011-05-27T15:37:00.001-04:00

In honor of Memorial Day, Our Heroes and Wounded Warriors...

Best watched with the volume up HIGH! Protect This House!

What is Happening with Mortgage Rates This Week?

2011-05-16T14:52:00.001-04:00

Click here for a quick read on current mortgage rate behavior. Half empty... or half full?

Last Week in Review: Inflation is heating up, but what does that mean for home loan rates?
Forecast for the Week: Thursday will be an especially busy day when it comes to reports this week, with news on jobs, housing, and manufacturing.
View: Ever experience "brain fog?" Check out three great tips for boosting your brainpower.

Ken Pederson
Certified Mortgage Planner, CMPS

FAIRWAY Independent Mortgage Corp.

Lancaster, PA

Mortgages

nmls 134943

FREE Lunch and Learn for Realtors...

2011-05-12T12:42:00.000-04:00

Come on out and join us on Wednesday, May 26th from 12 to 1 at LCAR. And get a free lunch while you are here and maybe win a door prize and of course, we'll have some handouts and gifts for you.

We'll be talking about how to use a "rehab" loan to help more buyers put the home they are buying into shape and finance the cost. And, great tool for Realtors to help "distressed" properties to sell faster.

Register by clicking on the link: http://www.fairwaypa.com/resignup.html

You have to eat lunch, you might as well eat and learn at the same time.

Ken Pederson
FAIRWAY Independent Mortgage
http://www.fairwaypa.com/

nmls: 134943

Sign up here: http://www.fairwaypa.com/resignup.html

Realtor Training Summit Lunch n' Learn

2011-05-12T10:43:00.000-04:00

We will be holding another Realtor Training Summit Lunch n' Learn on May 25th.

Realtors, reserve your seats!

Must-have info, a tasty lunch, and of course, a great time.

What's Happening With Mortgage Rates This Week?

2011-05-09T12:57:00.000-04:00

Click here for a quick run-down of what the latest employment numbers mean for home loan rates, and what's ahead.

Last Week in Review: Find out the story behind the latest employment numbers - and what they mean to home loan rates.

Forecast for the Week: Don’t let the slow start fool you! Find out why the second half of this week is so important.

View: Thinking about a vacation or business trip? Read what Bin Laden’s death means to travelers!

Ken Pederson
Certified Mortgage Planner, CMPS
FAIRWAY Independent Mortgage Corp.
Lancaster, PA
Mortgages

nmls 134943

10.5 most common places for home buyers to "find" money

2011-05-08T13:03:00.002-04:00

Buyers need money for closing, even with NO DOWN PAYMENT loans and seller concessions. Following are the 10.5 most common places we see buyers "finding money".

1. Their own savings
2. Sale of stocks, bonds and/or mutual funds
3. Gift money from parents and close relatives (close to 1/3rd of buyers)
4. Loans from parents and close relatives
5. 401K withdrawals. This money is taxed, but is usually penalty free for first timers.
6. 401K loans. Loans up to 50% of the value of the 401K are typically available. Borrowers then pay themselves back thru monthly payroll deductions and with some loan programs, 401K loans are not counted in the “total debt ratio” as the money is going back to the borrower.
7. Sale of an asset. A motorcycle, car, coin collection…
8. Loan secured by an asset. Take out a small loan against a car that was owned free and clear.
9. Loans from a Whole Life Insurance policy
10. Employer housing programs
10.5 Tax return refunds, especially this time of year

Ken Pederson
Certified Mortgage Planner
FAIRWAY Independent Mortgage Corp
Mortgages in PA

What's Happening With Mortgage Rates This Week?

2011-05-02T11:50:00.001-04:00

Click here for a quick read on what Fed Charman Ben Bernanke said, plus some good charts to check out.

Last Week in Review: Fed Chairmen Ben Bernanke spoke...and I was listening. Learn what he said, and what this could mean for home loan rates.
Forecast for the Week: The job market labors on, but will Friday’s Jobs Report for April be painful?
View: Ever wondered how healthy your neighborhood is? There’s an easy way to find out!

Ken Pederson
Certified Mortgage Planner, CMPS

FAIRWAY Independent Mortgage Corp.

Lancaster, PA

Mortgages

NMLS 134943

What is HomePath if you don't know, you should...

2011-04-28T09:54:00.004-04:00

The first place to get information is at http://www.homepath.com/ HomePath is the venue that Fannie Mae (FNMA) uses to sell homes that have been foreclosed upon and FNMA has repurchased. FNMA opened up a direct link to Realtors and consumers thru HomePath.com. FNMA is the largest purchaser of mortgages in the Country.

At www.HomePath.com buyers and Realtors can search their areas for all of the properties that are available from FNMA and are available with HomePath financing.

HomePath is also a mortgage program designed by FNMA. FNMA has experience in this area as they set the guidelines and rules that lenders follow that want to sell loans to FNMA. Most conventional fixed rate loans end up with FNMA or Freddie Mac (FHLMC) which is the other government sponsored Mortgage Bank.

HomePath lending guidelines are quite flexible for primary residence and investment property purchases. YES, HomePath can be used by investors. Today, I'm talking about primary residence guidelines. Here are a few of the basic guides:

1. 3% down payment for owner-occupied
2. No Appraisal is required, however, some lenders may enforce their own appraisal guideline
3. No PMI. Big savings there for the buyer and obviously, easier to qualify with lower payments
4. Standard ratios for front and back end debt loads
5. Down payment and required funds can be gifted from approved sources
6. Currently, FNMA and HomePath Financing is offering a 3.5% Seller Concession on all HomePath properties. WOW, without even negotiating. FNMA offered this last fall and found success with a Seller Concession in place.

Note to listing agents. FNMA understands what buyers are looking for and it's help with closing costs. Many sellers would be helping their own efforts by offering a 3% concession on their home to help buyers with their financing. If a home is attractive in appeal, offering a Seller Concession up front only makes the home more attractive, from the financial viewpoint. And it gives the Listing Agent more marketing opportunities.

HomePath is typically a more attractive option than FHA for two reasons. First, you may not need an appraisal (although some buyers may want one anyway. In my eyes, I'm not worried about the value if my Realtor does their homework for me.) A home inspection becomes much more valuable than an appraisal does. Second, there is no PMI/MIP with HomePath which FHA does have and that offers the buyer a lower payment and more attractive financing.

HomePath is a good tool for these properties and also a good marketing/sales lesson can be learned from FNMA at the same time.

Ken Pederson
Certified Mortgage Planning Specialist, CMPS
FAIRWAY Independent Mortgage Corp
Lancaster, PA 17601
NMLS 134943

What's Happening With Mortgage Rates This Week?

2011-04-26T09:14:00.001-04:00

Click here for a quick read on the economic reports due this week and what they'll mean.

Last Week in Review: The US credit outlook was cut from stable to negative... but what does it mean to the markets and you?
Forecast for the Week: It’s hard to believe how many jam-packed economic reports are due out this week!
View: Did you know you can track your tax refund? Check out the tips below to see how.

Ken Pederson
Certified Mortgage Planner, CMPS®
FAIRWAY Independent Mortgage Corp.
Lancaster, PA
Mortgages
nmls: 134943

Thinking of installing a "man-cave" or home/biz audio?

2011-04-20T21:15:00.003-04:00

Call my friend, Rod Huber at Encore Digital. He's really good, he'll listen to what you want and give you a fair price with the right technology and installation.

Find Rod online at www.encore-digital.com and tell him Ken sent you

Ken Pederson
FAIRWAY Independent Mortgage Corp.
mortgages

Rates moving down...

2011-04-20T21:07:00.002-04:00

I don't know if it will last, but mortgage rates have dropped in the past week... If you missed the opportunity to refinance, now might be time to pull the trigger. 30, 20, 15 year terms?? I can help you make the right decision with our Mortgage Planner software. Call me at 431-9299. Which loan structure fits your short and long term financial goals best?

Ken Pederson
Certified Mortgage Planning Specialist, CMPS
FAIRWAY Independent Mortgage Corp.
17601
nmls: 134943
Mortgages in PA

Did you know you can buy a home with little cash?

2011-04-20T21:02:00.002-04:00

Yup, yes you can. In fact, there are still NO Down Payment loan programs. That's right, buy a home with NO Down Payment. This program has some nice features:
1. Safe 30 year fixed rates
2. No PMI payments
3. Seller can pay some/all closing costs (Must be negotiated)
4. Any monies needed can be gifted from parents or close family members

This is a great program that allows buyers to take advantage of today's market... low prices and low rates and the highes affordability levels in the past 40 years.

Ken Pederson
FAIRWAY Independent Mortgage
nmls: 134943
USDA Loans

What's Happening With Mortgage Rates This Week?

2011-04-11T15:04:00.001-04:00

Click here for a quick read on how last week's political drama affected mortgage rates and what's to come.

Last Week in Review: The potential government shutdown dominated the headlines. How did home loan rates react?
Forecast for the Week: Important inflation news will end the week, plus retail sales and consumer sentiment will give us some hints on the mood in the country.
View: What’s in your inbox? That’s an especially important question after a recent security breach. See this week’s View for details about safeguarding your information

Ken Pederson
Certified Mortgage Planner, CMPS
FAIRWAY Independent Mortgage Corp

Lancaster, PA
Mortgages

nmls 134943

Buy high and sell low or vice-versa...

2011-04-07T20:36:00.002-04:00

Check out this read from my buddy, Steve Harney... Click Here FAIRWAY Article Courtesy of: Ken Pederson Certified Mortgage Planner, CMPS FAIRWAY Independent Mortgage Corp. nmls: 134943 Mortgage Lender in PA

Where is the smart money going?

2011-04-07T20:32:00.002-04:00

Smart money, according to Datatrak, is going into high-end homes and all cash sales are also increasing. What does this mean? Means the wealthy understand that real estate is undervalued and now is a GREAT time to be a buyer. The long-term prognosis for growth and appreciation in Real Estate is very favorable. Coupled with low interest rates, makes the "mortgage leverage" and buying in today, a GREAT opportunity. Ken Pederson Certified Mortgage Lender FAIRWAY Independent Mortgage Corp. PA Mortgage Lender nmls: 134943

Inexpensive way to buy Real Estate that produces income

2011-04-07T20:23:00.002-04:00

Did you know that single family homes can be purchased with low and even No DownPayments with 30 year fixed rate mortgages? And, did you know, it's possible to purchase a 2-3-4 unit property with only a 3.5% down payment. This is an excellent way to purchase real estate and have the property pay for itself, almost. The rents received from the other units will certainly come close to covering the full payment, sometimes, the rents will even exceed the full payment. Makes for very affordable living. The downsides are of course, being a landlord while living in the same property and having increased expenses and time involved with the property. And yes, this is NOT for investors, the buyer must reside in the property after purchasing the home. (The purchaser does NOT have to live in the property forever or even until the sale.) Just a period of time and then they can move on and keep the property as an investment if they wish. Want more info: Ken Pederson, FAIRWAY Independent Mortgage, 717-431-9299, nmls: 134943 mortgage lender in PA