Local knowledge
Licensed in two states. Based twenty minutes from uptown.
Every market below has its own financing quirk — a condo project review, a septic permit, a shoreline easement, a jumbo threshold, a county reassessment. These pages cover the ones that actually change your loan.
Licensing
I am individually licensed in North Carolina and South Carolina under NMLS #1782820, which covers both sides of a state line that Charlotte buyers cross constantly. Fairway lends nationwide; if you are buying outside the Carolinas, ask me anyway and I will point you to a licensed colleague in that market.
Towns I write loans in regularly: Matthews · Concord · Charlotte · Gastonia · Kings Mountain · Shelby · Bessemer City · Cherryville · Vale · Waxhaw · Indian Trail · Harrisburg · Seneca · Clemson · Anderson · Greenville · Pendleton · Central · Salem.
Area guides
Pick your market. The financing changes with it.
Not a list of towns with the name swapped out. Each one covers the housing stock, the county mechanics and the programs that actually apply there.
Program by place
A specific program, in a specific market.
Where the program rules and the local housing stock collide — which is where most surprises come from.
- First-time buyers in CharlotteA first-time home buyer guide for Charlotte, NC: 3% down conventional, 3.5% FHA, zero-down VA and USDA, closing cost help and your real budget. NMLS #1782820.
- FHA loans in Charlotte2026 FHA loan limits for Mecklenburg County, credit and down payment requirements, mortgage insurance rules and how FHA appraisals work in Charlotte. NMLS #1782820.
- VA loans in CharlotteVA home loans in Charlotte and the Carolinas: zero down, no monthly mortgage insurance, funding fee rules and how VA appraisals work. NMLS #1782820.
- FHA loans in HuntersvilleFHA financing in Huntersville and north Mecklenburg — 3.5% down, credit requirements, mortgage insurance, 2026 county limits and townhome project approval. NMLS #1782820.
- First-time buyers in HuntersvilleA first-time buyer guide for Huntersville, NC: 3% down conventional, 3.5% FHA, zero-down VA, NC Housing Finance Agency assistance and your real cash to close. NMLS #1782820.
- FHA loans at Lake NormanFHA financing around Lake Norman — how county limits differ across Mecklenburg, Iredell, Lincoln and Catawba, condo approval, and where FHA actually works. NMLS #1782820.
- First-time buyers at Lake NormanA first-time buyer guide for the Lake Norman area: 3% down conventional, 3.5% FHA, zero-down VA and USDA at the edges, county limits and real cash to close. NMLS #1782820.
- FHA loans in GreenvilleFHA financing in Greenville, SC — 3.5% down, credit requirements, mortgage insurance, county limits, condo approval downtown and 203(k) on historic homes. NMLS #1782820.
- First-time buyers in GreenvilleA first-time buyer guide for Greenville, SC: 3% down conventional, 3.5% FHA, zero-down VA, SC Housing assistance, the owner-occupied tax classification and cash to close. NMLS #1782820.
- FHA loans in AndersonFHA financing in Anderson, SC — 3.5% down, credit requirements, mortgage insurance, county limits, older-home appraisals and how FHA compares to zero-down USDA. NMLS #1782820.
- First-time buyers in AndersonA first-time buyer guide for Anderson, SC: zero-down USDA, 3.5% FHA, 3% conventional, SC Housing assistance, the owner-occupied tax rule and real cash to close. NMLS #1782820.
- FHA loans in SenecaFHA financing in Seneca and Oconee County, SC — 3.5% down, credit floors, well and septic requirements, manufactured homes and when zero-down USDA beats FHA. NMLS #1782820.
- First-time buyers in SenecaA first-time buyer guide for Seneca and Oconee County, SC: zero-down USDA, 3.5% FHA, 3% conventional, wells and septic, and what cash to close really means. NMLS #1782820.
- FHA loans in ClemsonFHA financing in Clemson, SC — 3.5% down, credit floors, why campus-area condos usually fail FHA project approval, and the owner-occupancy rule. NMLS #1782820.
- First-time buyers in ClemsonA first-time buyer guide for Clemson, SC: 3% down conventional, 3.5% FHA, zero-down USDA nearby, condo project reviews near campus and real cash to close. NMLS #1782820.
In their words
Travis was fantastic through my loan process! He was available nearly all times of the day and his communication was top notch. He couldn’t have made the experience easier/better.
Travis and his whole Fairway team was wonderful to work with! From the beginning Travis was very friendly and super helpful. He was always available to answer any and all questions that we had, responding to calls and texts right away. He kept us up to date on everything going on with our home loan, and we never had to second guess where we were in the process. As first time homebuyers, we are so thankful that we had the smoothest home buying process thanks to Travis and his team. I would recommend Travis and Fairway Mortgage to anyone looking to purchase or refinance their home. They are the best!!
This is not an offer to enter into an agreement or a commitment to lend. Not all applicants will qualify. Information and rates are subject to change without notice. All loans are subject to credit review and approval.
Next step
Not sure which market you will land in? That is normal.
Most buyers start with three towns and end up in a fourth. Get pre-approved once and the letter works everywhere I am licensed — including across the South Carolina line.