Let's get you home.
I'm Katie, a loan officer with Fairway in Austin. I'll help you find the right loan and walk you through every step.
Fairway Independent Mortgage
Meet Katie
Buying a home can feel overwhelming. My job is to make it simple.
I lead a small team in Austin and lend in Texas, Minnesota, Wisconsin, Florida and California. Whether it's your first home or your fifth, you'll get a clear plan, honest answers and someone who finds a way when things get complicated.
- Based in
- Austin, TX
- Licensed in
- TX, MN, WI, FL, CA
- Role
- Branch Manager & Loan Officer
- NMLS
- #848270
Busy people with big plans
Careers, kids, businesses and investments. I plan the loan around your life, not the other way around.
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Entrepreneurs and business owners
Self-employed income takes different paperwork. I know what underwriters look for and which programs work best when your pay doesn't come on a W-2.
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Parents and growing families
More bedrooms, a specific school zone, or a move to another state. We'll plan the loan around your family's timeline.
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Young professionals
If you're ready to stop renting, we'll work out what you can afford, how much you need saved and what to do first.
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Investors and move-up buyers
Rental properties, downsizing, building new or buying at the high end. Financing that fits the bigger plan.
Not sure which loan fits? Let's talk it through.
Loans I specialize in
The right loan depends on where you are and where you're headed. These are the ones I work with most.
- First-time buyers
- Low down payment options, assistance programs and a step-by-step plan.
- FHA
- Lower down payment and more flexible credit guidelines.
- VA
- For veterans, service members and eligible spouses. $0 down and no monthly mortgage insurance.
- Refinancing
- Lower your rate, shorten your term or take cash out. I'll show you the break-even point first.
- Investment properties
- Financing for rentals, structured around cash flow and long-term goals.
- New construction
- I coordinate with your builder and help you time your rate lock.
- Relocation
- Moving to or from Austin? I can get you approved before you arrive.
- Downsizing
- Plan the sale and the purchase together so the move goes smoothly.
- Luxury homes
- Jumbo and high-balance loans for higher-priced homes.
Four steps to the keys
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Step 1
A short call
About 15 minutes on your goals, budget and timing. No credit pull.
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Step 2
Pre-approval
Apply online and upload documents securely. You'll get a pre-approval letter and a clear budget to shop with.
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Step 3
Offer and underwriting
I work with your agent, help you decide when to lock your rate and keep your file moving.
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Step 4
Closing
We go over your final numbers together before closing day, so nothing on the table is a surprise.
Run the numbers
Move the sliders to see an estimated monthly payment, including taxes and insurance.
Estimated monthly payment
$0
- Principal and interest
- Property tax (est. 1.1%)
- Homeowners insurance
- Mortgage insurance
For illustration only. Not a loan offer or commitment to lend. Your actual rate, payment and terms depend on credit, property, loan program and market conditions.
My promise to you
“Katie always finds a way.”
That's what I want every client to be able to say. Here's how I try to earn it:
- You'll know where your loan stands at every stage, without having to chase me for updates.
- I'll give you honest answers, including the ones you might not want to hear.
- I'll explain things until they make sense, and I'll stay calm when things get complicated.
- I'll be reachable when you need me, especially in the final days before closing.
Common questions
Don't see yours? Call or text 512-922-7602.
Which states are you licensed in?
I'm based in Austin and serve the greater Austin area. I'm also licensed in Minnesota, Wisconsin, Florida and California, which helps if you're relocating between any of them.
I'm self-employed. Can I still qualify?
Yes. Business owners buy homes all the time. It takes the right documentation and the right program, and I'll tell you exactly what's needed for your situation.
How much do I need for a down payment?
Usually less than people expect. Depending on the program it can be 0% (VA), 3.5% (FHA) or 3% (some conventional loans). We'll also check for down payment assistance you might qualify for.
Will getting pre-approved hurt my credit?
A pre-approval includes a credit inquiry, but multiple mortgage inquiries within a short shopping window are generally treated as one. Our first conversation doesn't need a credit pull at all.
What documents will I need?
Usually recent pay stubs, W-2s or tax returns, bank statements and a photo ID. I'll send you a checklist for your situation so you only gather what's actually needed.
How long does it take to close?
Many purchase loans close in about 30 days from an accepted offer. It depends on the program, the appraisal and how quickly documents come in. Being pre-approved up front helps a lot.
Is now a good time to refinance?
It depends on your current rate, how long you plan to stay and what you're trying to accomplish. I'll run a break-even analysis so you can see whether it saves you money.
Let's talk
Tell me what you're planning, whether it's this month or next year. I'll get back to you within one business day.
- Call or text
- 512-922-7602
- Ready to apply?
- Start your application