Welcome or Register

Mortgage Information

Four Things You Should Do Now…

If You’re Planning To Buy A Home This Year

Earlier this year, The Washington Post reported that this is the first year since 2007 that we're seeing a brighter outlook for the real estate industry.  Foreclosures are down, inventory is great & interest rates are still low … for the time being.

So, if you're buying or even thinking about buying and financing a home this year, here are some important things you should be doing now!


1.  Pull a copy of your credit report and your credit scores.  Go to annualcreditreport.com for the free report, but you'll need to pay $9 for the scores.  It's a good investment because it's the middle score that lender's use for mortgage qualification. 

2.  Practice good credit behavior.  Lenders regard borrowers with credit scores in the high 700's as the lowest risk and so that borrower will get the best rates.  If you're not quite there yet, then work on eliminating the errors on your credit report & make a point to pay all bills on-time & in full if possible.  Remember, closing accounts could negatively affect your scores so talk to your lender first.

3.  Know how to compare your quotes.  Beware that some lenders will try to sell you the loan that nets them the most money, and not the loan that's best for you.  Also, know that loan rates with points will cost you more in closing costs than those without points.  Ask your lender as many questions as you need to ensure that you’re comparing apples to apples.
4.  Finally, build the right team.  Your agent, lender, & closing attorney are all working toward a common goal.  Surrounding yourself with winners will help ensure a faster & easier trip to the closing table. Speed, Service & Satisfaction are the keys to a successful closing!

Please let me know if I can answer any questions about your mortgage needs.  It would be my honor to be on your team!


David Kanis, Branch Manager
Fairway Independent Mortgage – Asheville

828-210-8774  (office)
828-545-3950  (mobile)   

Quick Search

view all



No Min.

No Max.


Bobbie is just great! I liked her immediately, I have been teaching 40+ years and can read an honest, sincere face in a nano-second. She has been there to support me and is very, very knowledgeable about her field. She is great with marketing and uses everything out there to get the needed exposure. Bobbie has contacted me on a regular basis to let me know what is going on with every detail. She is a realtor who really earns her commission! It is without hesitation that I would recommend Bobbie to any of you out there reading this. Fri, May 4, 2012 Mary Ann E.
Fantastic!!! That describes my experience working with Bobbie and Asheville Realty Group in looking for our new home. What a nice person; it was like looking at homes with an old friend. What a hard worker; she really did her homework and figured out exactly what we wanted. We never felt pressured or rushed. She guided us through the whole process and answered a million questions. I could not be happier! Christina W.
View All