The fine print, unhidden

Disclosures & licensing

Who operates this website

This website is published on behalf of Joe Juliano, Loan Officer, NMLS #866085 (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. Joe 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.

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.

Calculator & 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. DSCR thresholds, rates, taxes, insurance and program terms vary by investor and scenario. Contact Joe for figures specific to your situation.

All educational content on this site 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, loan limits, income limits, and eligibility criteria change frequently; always confirm current requirements with Joe directly.

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. 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.

Non-QM program information

Program characteristics shown on this site (documentation types, typical down payments, DSCR thresholds, expense factors, terms, and similar details) describe typical non-QM program parameters as generally available in the market and were last reviewed July 2026. Non-QM guidelines are set by individual investors, vary between them, and change without notice. Nothing on this site constitutes program eligibility, a rate quote, or loan approval — always confirm current requirements with Joe directly.

Client ratings

The star rating referenced on this site reflects Joe’s verified client reviews on Zillow. Reviews reflect individual experiences; results vary and are not guaranteed.