01
Day 1The conversation
Text or call Luke. He learns your situation, answers the awkward questions, and maps your options. Zero paperwork at this stage.
The process
What actually happens between 'hi' and house keys.
A mortgage feels like a black box because nobody explains it. Here's the whole thing — every phase, what it's for, and roughly how long it takes.
02
1–3 daysPre-approval
You apply through Fairway's secure system, Luke verifies income, assets and credit, and you get a pre-approval letter that sellers respect.
03
Your paceHouse hunting
You shop with your agent, armed with a real budget. Luke stays on call for payment questions on any specific house — just send the listing.
04
1–7 daysOffer & acceptance
Found the one? Luke can update your pre-approval letter to match your offer and talk strategy with your agent so your offer stands out.
05
Week 1–2Processing & appraisal
The Fairway team orders the appraisal and assembles your file. You send in a few documents; Luke tells you exactly which ones and why.
06
Week 2–3Underwriting
An underwriter reviews everything. Requests for extra documents are normal, not scary — Luke translates every "condition" into plain English.
07
Week 3–4Clear to close
The best three words in the process. Your loan is fully approved. You'll review final numbers before closing day — no surprises.
08
The big dayClosing day
Sign, fund, done. You walk in a buyer and walk out a homeowner. Luke stays your mortgage person for life — refis, questions, all of it.
Communication
You'll never wonder what's happening with your loan.
The number-one complaint buyers have about lenders is silence. Luke's rule is the opposite: every milestone gets a message — appraisal ordered, appraisal back, submitted to underwriting, conditions cleared, clear to close. And any question in between gets answered the way it arrived: fast, by text.
haven't heard anything in a while… is everything ok with my loan? 😰
You'll never have to send that text. Appraisal came back this morning at value — we're off to underwriting. Next update by Thursday!
Step one is a text.
The whole process starts with one message. Everything after that, Luke walks you through.