Adam Smith · Loan Officer · NMLS #2740298 · Fairway Home Mortgage
Hey Adam,
what's my payment?
Mortgages get sold as complicated because complicated is profitable. Adam sells them the other way: one clear monthly number, the honest math behind it, and a plan that fits your actual life. Start with the question in the URL.
Licensed in Minnesota · NMLS #2740298 · No forms, no spam — just a text
Loan program families, one honest recommendation
Point of contact from first text to closing day
Cost to ask Adam a question — ever
Forms, trackers, or cookies on this site
Licensed in Minnesota
Meet Adam
Big decisions deserve simple explanations
Adam Smith is a Loan Officer with Fairway Home Mortgage at the Eden Prairie branch, working with buyers across Minnesota. His conviction is simple: a mortgage is the biggest financial decision most people ever make, and the industry explains it worse than almost anything else you'll ever buy. Adam's job is to reverse that — every option translated, every number shown, every trade-off named out loud.
That starts with the payment. Text Adam a listing or a price range and get the full monthly picture — principal, interest, taxes, insurance, all of it. From there, it's honest math and zero pressure: if the numbers say wait, he'll say wait. When they say go, he runs your pre-approval through Fairway's secure systems and stays your one point of contact through closing.
How it works with Adam
One number, one plan, one person
No handoffs to a call center, no mystery middle steps. Here's the whole arc of working with Adam — from first curious text to closing table.
Ask the question
Text Adam a listing or a budget — even a vague one. He answers with a real monthly payment breakdown, not a rate ad with an asterisk.
Do the honest math
A short conversation turns estimates into your numbers: what you qualify for, what you're comfortable with, and the gap between the two — named honestly.
Lock in the plan
Pre-approval through Fairway's secure system, a program matched to your situation, and a letter that makes your offer credible the moment you find the place.
Close, keys, done
Adam quarterbacks the file through appraisal, underwriting, and clear-to-close — and stays your mortgage person for every question after.
Every tool in the box
Loan programs, translated
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
USDA Loans
$0 down for homes in eligible smaller communities — many Twin Cities exurbs qualify, and most buyers have no idea.
Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Down Payment Assistance
Minnesota has real down payment help — Minnesota Housing programs can put thousands toward your down payment and closing costs.
Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Adam will show you. When it doesn’t, he’ll tell you.
No idea which one?
Perfect — that's Adam's job, not yours. Text him your situation and he'll match the program to you.
No dumb questions
Mortgage stuff, explained like a friend would
The whole industry runs on making you feel like you should already know this. You shouldn't. Nobody does the first time. That's what the plain-English glossary and first-time buyer hub are for.
Have a question? Just ask your friend.
No sales pitch, no jargon, no runaround. Adam's whole approach is one clear number and an honest read on what it means for you. Text the question whenever it hits you.