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A Path to Financial Freedom

You've spent years pouring money into your home. A reverse mortgage can give you access to equity to pay for many things, and maybe even retire early.
Check My Eligibility

Here are some benefits to using a reverse mortgage:

1
If you live in and maintain your home, and pay taxes and insurance, you will not be required to make monthly payments.
2
A reverse mortgage can be used to turn a portion of your home's equity into cash that can be used for a variety purposes.
3
It can provide the financial flexibility to pay for long-term care insurance without losing your home.
4
By using a reverse mortgage to pay for health insurance before Medicare kicks in, you can retire early without fear of affording care.
Feel like a reverse mortgage is right for you? Talk to a leading expert today.
Schedule a Consultation
Karli Spahr
Mortgage Advisor
Label here

There are significant benefits owning your home. Just to name a few:

Want to hear more about the benefits of homeownership? Talk with a Home Loan Specialist today.
1
From paint color to a new floor, it’s your home and you can customize it any way you choose.
2
Part of your monthly payment goes towards equity of your home, which can turn into a profit if you sell.
3
Many times your mortgage interest, property taxes and sometimes even closing costs could be tax deductible.
4
Our wide range of mortgage options will help you predict your monthly mortgage payments versus being subject to annual rent increases you can't always plan.
Schedule a Consultation

Get all the info you need to get your reverse mortgage.

Instead of day dreaming about your dream home... use a renovation loan and just build it!
1
You Have to Be 62 or Older
2
Get Approved
3
Enjoy Your Financial Freedom
Instead of day dreaming about your dream home... use a renovation loan and just build it!
Get Your Guide

Your local remodeling professionals

Instead of day dreaming about your dream home... use a renovation loan and just build it!
Cabinets
Flooring
Financing
Lighting
Bathroom
Phil Ganz
Mortgage advisor from Fairway
Instead of day dreaming about your dream home...
Boston, MA
philganz.com
schedule renovation consultation
Phil Ganz
Mortgage advisor from Fairway
Instead of day dreaming about your dream home...
Boston, MA
philganz.com
schedule renovation consultation
Phil Ganz
Mortgage advisor from Fairway
Instead of day dreaming about your dream home...
Boston, MA
philganz.com
schedule renovation consultation
Phil Ganz
Mortgage advisor from Fairway
Instead of day dreaming about your dream home...
Boston, MA
philganz.com
schedule renovation consultation
Phil Ganz
Mortgage advisor from Fairway
Instead of day dreaming about your dream home...
Boston, MA
philganz.com
schedule renovation consultation

Tools, Tips, Resources, and More

Instead of day dreaming about your dream home... use a renovation loan and just build it!
resource
Homeowner
resource
Rent vs. Buy
resource
Homeowner 2
Schedule a Consultation

Don't just take my word for it...

Ardmore, PA

Katie & Ken recently completed a major home renovation that included significant new square footage off the back of their home to make room for a brand new kitchen & master suite.
Communication
Construction
Design
schedule renovation consultation

Reviews

Clear explanations!
Andrea from Minneapolis, MN
She is always there when we need it, professional, we trust her her judgement. Thanks Karli!
Excellent experience!
Travis from Lindstrom, MN
From start to finish I had full confidence that Karli and team would accomplish what we set out to do, and help us purchase our home
Amazing lender!
Thomas from Stillwater, MN
Karli's approach was very much welcomed. She calmly gave me good advice and information without a hard sell. Karli asked what I wanted and told me what she knew she could do to solve my needs. Best agent ever!!
Amazing!
Jeremiah from Star Prairie, WI
Very friendly and helpful staff , they made it painless and easy to buy a home :)
Absolutely wonderful!
Maria from Green Bay, WI
Karli was able to answer all my questions in a timely manner. Using the Fairway Now app was great as we were able to get all our documents uploaded in one place.
Very happy!
Daryl from Hastings, MN
Very considerate and took the time to explain things clearly. Very easy to communicate with.
10/10- will repeat!
Ayan from Lauderdale, MN
Karli is very professional, helpful and great agent to work with. She is on time and gets the job done in a exceptional manner.

It's Your Equity. Enjoy It.

You've worked hard for your home. You've earned the right to enjoy it and fast-track your way to financial freedom.
Check My Eligibility

What Would You Do With The Home Equity You’re Sitting on?

See If a Reverse Mortgage Could Give You Access To Equity That’s Just Sitting In Your Home.
let's go
Income opportunity Calculator
What my customers say...
My lender is better than yours!
Wow, what an incredible experience! Derek is the only lender I will ever work with again! Thanks so much Derek!
Absolutely wonderful!
Derek provided a cash-out refinance within 3 weeks from my call. We were informed all along the way.
Very happy!
We are first-time homebuyers and Derek took very good care of us. We are very happy and would recommend him!
My lender is better than yours!
From start to finish I had full confidence that Karli and team would accomplish what we set out to do, and help us purchase our home.
Absolutely wonderful!
Derek provided a cash-out refinance within 3 weeks from my call. We were informed all along the way.
Very happy!
We are first-time homebuyers and Derek took very good care of us. We are very happy and would recommend him!
Excellent experience!!
Derek was always there to assist at any time of the day and worked diligently to make sure all was taken care.
So impressed!
Derek was amazing I am so impressed! So knowledgeable and extremely helpful and professional throughout the process.
Hi! I’m Derek
Your personal mortgage guide to buying or refinancing a home

http://wowmivh.com/Fairway/Advisors/KarliSpahr/landing.mp4

Watch my story
Top articles

Consider These Three Things Before You Buy Your Second Home

4 Signs You’re Ready To Stop Renting And Buy A Home

Ask These 5 Questions Before You Buy Your First Condo

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Home
Educational Modules
Karli Spahr
Mortgage Advisor
TALK TO ME
1
/12
First Time Homebuyer
2
/12
Realtor
3
/12
CPA
4
/12
Veteran
5
/12
Financial Advisor
6
/12
Mortgage Awesomeness
7
/12
Professional
8
/12
Why Fairway
9
/12
Our Mortgage Process
10
/12
Condo Homebuyer
11
/12
Rent vs. Buy
12
/12
Homeowner
Homepage
Education
See if you're paying too much for your mortgage!
Start
*The refinance quiz is for estimation purposes only. Qualification, rates and payments will vary based on timing and individual circumstances.
This is not a commitment to lend.
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Question 
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Where are you located?
CONTINUE
What type of home do you own?
Estimate your credit score.
CONTINUE
Please estimate the value of your property.
$80k$2M+
CONTINUE
What is the remaining 1st mortgage balance?
$80,001 to $100,000
$0$300k+
CONTINUE
What is your 1st mortgage interest rate?
5%
0%10%
CONTINUE
What kind of rate do you have?
What kind of rate would you prefer?
How will this property be used?
Do you have a 2nd mortage?
Would you like to borrow additional cash?
What is your average monthly income?
$10,001 to $15,000
$0$50k+
CONTINUE
What are your average monthly expenses?
$10,001 to $15,000
$0$50k+
CONTINUE
What is your full name?
CONTINUE
What is your email address?
CONTINUE
What is your phone number?
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Your information won’t be sold
Thanks for your
information request!
Need more help of your homeownership journey? Schedule an appointment today. Or contact directly:
Karli Spahr
Mortgage Advisor
Schedule a consultation
(651) 242-8333 karlis@fairwaymc.com
Your information won’t be sold
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Get your FREE mortgage payment estimate*
Start
*The mortgage payment quiz is for estimation purposes only. Qualification, rates and payments will vary based on timing and individual circumstances.
This is not a commitment to lend.
Privacy and Security Guaranteed
Question 
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Where are you located?
CONTINUE
What type of home are you purchasing?
Estimate your credit score.
CONTINUE
What is the purchase price of the new property?
$80k$2M+
CONTINUE
What is your estimated downpayment?
3.5% Down
0%50%+
CONTINUE
Where are you at in the property search?
Are you working with a realtor?
What is your full name?
CONTINUE
What is your email address?
CONTINUE
What is your phone number?
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Your information won’t be sold
Thanks for your
information request!
Need more help of your homeownership journey? Schedule an appointment today. Or contact directly:
Karli Spahr
Mortgage Advisor
Schedule a consultation
(651) 242-8333 karlis@fairwaymc.com
Your information won’t be sold
Oops! Something went wrong while submitting the form.
Isn't it time you made your HOME EQUITY work for you?
Start
*Fairway is not affiliated with any government agencies. These materials are not from HUD or FHA and were not approved by HUD or a government agency. Reverse mortgage borrowers are required to obtain an eligibility certificate by receiving counseling sessions with a HUD-approved agency. The youngest borrower must be at least 62 years old. Monthly reverse mortgage advances may affect eligibility for some other programs. 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.
Privacy and Security Guaranteed
Question 
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Where are you located?
CONTINUE
Age of borrower
CONTINUE
What is your current property value?
$80k$2M+
CONTINUE
What is the balance of your mortgage?
$80k$2M+
CONTINUE
What type of home do you own?
Reason for Reverse Mortgage Loan?
CONTINUE
Estimate your credit score.
CONTINUE
What is your full name?
CONTINUE
What is your email address?
CONTINUE
What is your phone number?
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0
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Your information won’t be sold
Thanks for your
information request!
Need more help of your homeownership journey? Schedule an appointment today. Or contact directly:
Karli Spahr
Mortgage Advisor
Schedule a consultation
(651) 242-8333 karlis@fairwaymc.com
Your information won’t be sold
Oops! Something went wrong while submitting the form.
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