About
Travis Nicolaysen
Loan Officer · Fairway Home Mortgage · NMLS #1782820
I am a mortgage loan officer with Fairway Home Mortgage, based in Matthews, North Carolina and licensed in North Carolina and South Carolina. Most of my work sits in the corridor west and south of Charlotte — Gaston, Cleveland, Lincoln and Union counties, and across the line into York and Lancaster.
That geography shapes the work. It means manufactured homes on permanent foundations, houses on five acres with a well and septic, USDA-eligible addresses, new builds on lots people bought years ago, and self-employed borrowers whose tax returns do not look like a W-2. These are not edge cases here. They are Tuesday.
The rest of it is unglamorous and it is the whole job: answer the phone, tell people the truth early, and close on the date that is written on the contract.
Company NMLS #2289Individual NMLS #1782820
- Calls returned
- Same day
- Seven days a week while a deal is live.
- Pre-approval turnaround
- 24 hours
- From a complete application, not a rough guess.
- Loan programs
- Conv · FHA · VA · USDA
- Plus single-close construction, jumbo, renovation and manufactured housing.
- Licensed in
- NC & SC
- Both sides of the state line, one point of contact.
How I work
Four things I will not bend on.
Everyone in this industry says they communicate well. These are the specific, checkable versions of that claim.
- 01
The number I give you is the number.
A pre-approval that has not had income and assets verified is a marketing document. Mine goes through automated underwriting before it reaches you, so it holds when a listing agent leans on it.
- 02
You should understand your own loan.
Every borrower gets the reasoning, not just the result — why this program, why this structure, what changes if rates move. If you cannot explain your loan to your spouse, I have not finished my job.
- 03
Bad news travels fastest.
If an appraisal comes in low or a condition is going to be a problem, you hear it from me the same day, with options attached. Nothing gets managed quietly and sprung on you at day 28.
- 04
No is a legitimate answer.
Sometimes the right advice is to wait six months, move a balance, or buy less house. I would rather lose the file than put you in a payment you resent.
Agent spotlight
Sixty-one closings in five years — at an average price of $610,300.
Clay Vassey — Real Local/Real Broker, LLC, Seneca, SC. 61 closed sales and $37.2M in volume over the last five years.
The process
Start to keys, in five stages.
You get this timeline in writing on day one, with the durations attached, so you always know what is happening and whose turn it is.
Read the full walk-through- 01
Connect
One conversation - 02
Build your mortgage plan
1–2 days - 03
Get pre-approved
24 hours - 04
Find your home
As long as it takes - 05
Underwriting & approval
21–30 days - 06
Closing
About an hour
Where I lend
North Carolina and South Carolina — the Charlotte metro, and upstate South Carolina.
- Matthews
- Concord
- Charlotte
- Gastonia
- Kings Mountain
- Shelby
- Bessemer City
- Cherryville
- Vale
- Waxhaw
- Indian Trail
- Harrisburg
- Seneca
- Clemson
- Anderson
- Greenville
- Pendleton
- Central
- Salem
Matthews, Concord & the greater Charlotte region, plus upstate South Carolina. If your address is not on this list, ask — the license covers both states in full.
Direct
- Call or text704-728-4548
- Emailtnicolaysen@fairwaymc.com
- Based inMatthews, North Carolina
- LicensingNMLS #1782820 · Fairway Home Mortgage NMLS #2289. Verify on NMLS Consumer Access
Get started
Fifteen minutes on the phone saves months of guessing.
Whether you are ready this month or just want to know what would need to be true, the first conversation is free and there is nothing to sign.