Buying your first home is a team sport.
Your agent finds the house. Spencer makes the financing land — with answers on Saturday night, offer support your agent can lean on, and a call to the listing agent every time your offer goes in.
Your agent and your lender should be one team — not two phone tags.
Houses aren't bought during business hours. Offers happen on Saturday nights and Sunday afternoons, and the buyers who win are the ones whose financing keeps up. Spencer built his entire practice around working with your real estate agent, not adjacent to them.
Available when houses actually sell
Showings, open houses, and offer deadlines live on nights and weekends — so Spencer does too. When you and your agent need a payment quote, an updated pre-approval letter, or a "can we actually do this?" answer at 8 PM on a Saturday, you get one.
Financing answers, right beside your agent
Structuring an offer raises money questions: seller credits, appraisal gaps, closing timelines, financing contingencies. Spencer works those out with you and your agent together, so the offer your agent writes is one the financing can back up.
A call to the listing agent — with every offer
When your offer goes in, Spencer personally calls the listing agent to vouch for your financing and open a line of communication that stays open through closing. Listing agents advise sellers on which offer is safest — a lender they can reach matters.
*Typical timing with complete documentation; individual files vary. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.
"OK but what would my actual payment be?"
Not the Zillow guess. The real math: principal, interest, taxes, insurance, mortgage insurance — plus what down payment assistance does to your cash-to-close. Sliders, no sign-up, nothing collected.
Run my numbersEverything nobody explained about buying your first home
"You need 20% down" and other myths
The seven beliefs that keep renters renting — and what the numbers actually say.
Read the guide →How to make your offer stronger
Nine levers you and your agent can pull — and what your lender does behind the scenes.
Read the guide →The truth about down payments
3% is real. 0% exists. And Minnesota will help with tens of thousands in assistance.
Read the guide →
A lender who picks up the phone
Spencer Brady is a Loan Officer with Fairway Home Mortgage in Eden Prairie, Minnesota, licensed in Minnesota and Wisconsin. His practice is built for first-time buyers and the agents who represent them: fast pre-approvals, straight answers, and communication that doesn't clock out at 5.
Ready when you are — including tonight.
Call, text, or apply. Pre-approvals move fast so your offers can too.
Applications run entirely on Fairway's secure systems — this site collects nothing.