Fairway Independent Mortgage
Voted Best Mortgage Lender in Massachusetts
Your Mortgage, Your Way.

Secure your mortgage preapproval, lock in an interest rate, and determine your affordability all within One Day.

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5 Star Rated on Google

#1 Lender in Massachusetts

$27+ Billion 2023 loan volume

Meet Your Massachusetts Mortgage Lender Team Who We Are

Awarded #1 in customer satisfaction by J.D. Power, Fairway Independent Mortgage makes homebuying straightforward and stress-free. As a Top Lender In Massachusetts, we offer competitive mortgage rates and diverse home loan options.

Our personalized service sets us apart. From application and mortgage preapproval to understanding how much house you can afford, our team guides you every step of the way. We're even available on weekends to ensure you're fully informed before making an offer.

Choose Fairway as more than your lender - we're your lifelong homebuying partner. Start your journey to homeownership with us. Contact Fairway Now and discover how we can help turn your dream home into a reality. Your future home awaits!

James A Thom Mortgage Team

James A Thom

James A Thom

Sr. Loan Officer / Manager NMLS #2110784

Nancy Abbott

Nancy Abbott

Team Lead Production Partner NMLS #362940

Adam Levitt

Adam Levitt

Renovation Manager NMLS #362940

Susan Howe

Susan Howe

VP Branch Development NMLS #848400

David Lazowski

David Lazowski

President, Retail Sales East NMLS #5182

Stress-free mortgage experience We love our customers.

Customer service is our top priority. We are dedicated to finding the best mortgage rates for you and offer some of the fastest turn times in the mortgage industry but don't just take our word for it...

Lucas Williams
8/17/2023 - Google
James at Fairway Mortgage has been an incredible resource for us in Boston. His knowledge of the housing market and his ability to secure attractive rates is commendable. He's highly... read more
Grinu O.
9/18/2023 - Google
Very thoughtful, thorough and always available to answer questions. I had worked with multiple big banks in the past and they all need to learn from him and the fairway... read more
RachNH T.
8/30/2023 - Google
It was such a pleasure working with James! He helped facilitate a smooth transaction and was very responsive. We definitely look forward to working with him more in the future.
mariana b.
7/03/2023 - Google
I highly recommend James Thom at Fairway Mortgage! James provided a wide range of loan options, secured us the best mortgage rate, and most importantly, his explanations were the most... read more
Cynthia J.
9/23/2023 - Google
James was great to work with always was available to answer any questions that I had. Differently would work with him again. Thank you for being patient 🙏
Michael Anderson
11/29/2023 - Google
Choosing James from Fairway Mortgage for our Boston home purchase was a brilliant decision. His familiarity with the needs of the staff at Dana-Farber Cancer Institute and his expertise in... read more
Morgan D.
3/06/2024 - Google
James was amazing in the mortgage process. He responded quickly and was super thorough answering all my questions. He was very knowledgeable and was able to walk me through all... read more
Aiden Brooks
12/19/2023 - Google
James's expertise and personable approach made our mortgage process with Fairway Mortgage in Boston a breeze. His familiarity with Boston General Hospital employees' needs and his ability to secure competitive... read more

Homebuyer Programs in Massachusetts Let's make your dream home more affordable.

We understand mortgages can be complicated. We make that our problem, not yours. Let our team review your situation and tailor the best applicable loan program to suit your specific needs. More than just a rate, our loan officers want to remove the guesswork and make you feel confident about your future.

  • Adjustable-Rate Mortgage

    Best for those expecting to move or refinance before the rate adjusts, offering lower initial payments. Suited for short-term homeownership.

    Highlights:

    • Lower Initial Monthly Payments
    • Ability to Qualify for Higher Loan Amount
    • Fluctuating Rates and Payments

    Get Started

  • Conventional Loan

    Best for borrowers with strong credit, offering diverse terms and competitive rates. Requires a down payment and PMI if below 20% equity.

    Highlights:

    • Lower interest rates for borrowers with good credit
    • Fewer penalties and fees
    • Down payments that range from 3%–20%

    Get Started

  • FHA Loan

    Best for low-to-moderate-income borrowers with lower credit scores. Low down payment requirements and is forgiving on credit issues and high DTI ratios.

    Highlights:

    • Minimum credit score of 580
    • Flexible income and credit requirements
    • Government-backed

    Get Started

  • First-Time Homebuyer Program

    Best mortgage option for Massachusetts homebuyers seeking down payment assistance, Massachusetts Housing Partnership

    Highlights:

    • Lower down payment requirements
    • Reduced Massachusetts mortgage rates
    • Masshousing down payment and closing cost assistance

    Get Started

  • 30-Year Fixed-Rate Mortgage

    Best for those seeking stable payments and long-term residence. Suits any loan type like Conventional, FHA, VA, USDA, or Jumbo Loans.

    Highlights:

    • Interest rates that don't fluctuate
    • Predictable monthly payments
    • Easier budgeting and financial planning

    Get Started

  • Jumbo Mortgage

    Best for purchasing a home exceeding Conventional Loan limits. Ideal for high-income borrowers with strong credit.

    Highlights:

    • Higher purchase limits
    • The ability to purchase more home
    • Options for primary residences, second homes or rental properties

    Get Started

  • Physician Loan

    Best mortgage for medical professionals with high debt-to-income ratios, offering low down payments and no PMI. Ideal for early-career doctors.

    Highlights:

    • Low to no down payment required
    • No private mortgage insurance (PMI)
    • Flexible debt-to-income ratios

    Get Started

  • Mortgage Refinancing

    Best for homeowners seeking to lower interest rates, change loan terms, or tap into home equity for cash. Suitable for various financial goals.

    Highlights:

    • Shorten Loan Term to Save Money
    • Lower Interest Rates and access your homes equity
    • Combine a First and Second lien to a single loan

    Get Started

  • Home Renovation Loan

    Best for homeowners or buyers looking to finance both the purchase and renovation of a property with one loan. Ideal for fixer-uppers.

    Highlights:

    • Finance home purchase and renovation costs into one loan
    • Lower interest rates than credit cards or personal loans
    • Based on future home value before renovations

    Get Started

  • Reverse Mortgage

    Best for seniors (62+) wanting to tap into home equity for cash without monthly payments, staying in their home. Requires equity and maintenance.

    Highlights:

    • Converts home equity into cash
    • No monthly mortgage payments
    • Retain home ownership

    Get Started

  • USDA Loan

    Best for low-to-moderate income buyers in eligible rural areas seeking 0% down payment and lower interest rates. Offers government backing.

    Highlights:

    • 0% down payment required
    • Lower interest rates and credit requirements
    • Reduced mortgage insurance costs

    Get Started

  • VA Loan

    A mortgage program for veterans and active duty military, national guard, members of the reserve seeking zero down payment and no PMI.

    Highlights:

    • Doesn't require private mortgage insurance (PMI)
    • 100% financing with full VA entitlement*
    • Limited closing costs and completive interest rates

    Get Started

  • Home Equity Loan

    Best mortgage loan for homeowners planning a home renovation project, consolidating high-interest debt, or paying off student loans.

    Highlights:

    • Get approved in 5 minutes. No in-person appraisal is needed.
    • Borrow $20,000 to $400,000 with a one-time origination fee
    • Home Equity Line of Credit 30-year fixed rate

    Get Started

  • Conventional Refinance

    Best for Massachusetts homeowners seeking lower interest rates, shorter loan terms, or cash-out options.

    Highlights:

    • 30-year or 15-year fixed or adjustable rates options
    • Various loan terms
    • May need PMI if <20% equity

    Get Started

  • FHA Streamline Refinance

    Best for Massachusetts residents with an FHA loan to reduce mortgage rates or monthly payments without extensive lender requirements.

    Highlights:

    • No appraisal required
    • Reduced paperwork and faster approval
    • Streamlines the refinance process

    Get Started

  • VA Streamline Refinance

    Best for veterans with existing VA loans to lower rates or switch from adjustable to fixed rates with minimal paperwork and no appraisal or income verification

    Highlights:

    • No appraisal or income verification
    • Quick, streamlined process
    • No out-of-pocket costs option

    Get Started

  • Cash-Out Refinance

    Best for homeowners looking to tap into home equity for cash, consolidate debt, or finance expenses, with a new loan exceeding the current mortgage.

    Highlights:

    • Access home equity for cash
    • Can finance large expenses
    • 100% financing with full VA entitlement*

    Get Started

  • Rate And Term Refinance

    Best for adjusting interest rates or loan terms without changing the loan amount. Ideal for securing better rates or changing the loan's duration.

    Highlights:

    • Change interest rate or loan term
    • Can lower monthly payments
    • May result in less interest over time

    Get Started

  • No-Closing-Cost Refinance

    Best to reduce upfront expenses by rolling closing costs into the loan or trading them for a higher interest rate. Ideal for short-term savings.

    Highlights:

    • No upfront closing costs
    • Lower immediate expenses
    • Good for short-term homeowners

    Get Started

  • Current Mortgage Rates In Massachusetts

    Best for borrowers looking to compare and find the most favorable interest rates for new loans or refinancing options in today's market.

    Highlights:

    • Vary by loan type (fixed, adjustable, VA, etc.)
    • Influenced by market conditions and economy
    • Credit score impacts rates offered

    Get Started

Mortgage Calculators

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

$

0%

5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

What's Your Home Worth?

Home Value

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James Thom

James Thom

Senior Mortgage Advisor NMLS #2118704
Nancy Abbott

Nancy Abbott

Team Lead Production Partner NMLS #362940
Susan Howe

Susan Howe

VP Branch Development NMLS #848400
David Lazowski

David Lazowski

President, Retail Sales East NMLS #5182
Lindsay Chaves

Lindsay Chaves

Operations Manager NMLS #362940