Scott Fairbank, Senior Mortgage Originator, Lendmire
Scott Fairbank, Senior Mortgage Originator at Lendmire
Senior Mortgage Originator

Scott Fairbank

NMLS# 2411830

Get Pre-Approved with Scott
30-Second Start · No Commitment · Direct Line to Scott

Get In Touch

Reach out to Scott directly.

Call, email, or apply online — whichever feels right. You’ll always reach Scott personally, never a call center.

Direct Contact

Phone (336) 609-4213
Email [email protected]

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About Me

Be Admired.

I have developed a solid understanding of the real estate market and what it takes to close your loan with efficiency and expertise. I know my clients expect quick responses, and I prioritize keeping constant and open client communications.

My focus is to deliver an exceptional home financing experience. My passion is “home,” and that’s the heart of everything I do. Whether it’s your first time buying a home or if you’re an experienced real estate investor, I’m committed to finding the best loan option to meet your needs. Reach out to me today to learn more about our product offerings.

Credentials

Background you can trust.

A track record of education, licensing, and recognition — the foundation behind every loan that closes.

01 · Education

Academic foundation.

  • Appalachian State University BS, Business Administration / Marketing

02 · Licensing

Authorized to serve.

  • Mortgage Originator License North Carolina
  • DSCR Financing in 40 States Investor & business-purpose loans
  • NMLS# 2411830 Nationwide Multistate Licensing System

03 · Recognition

Earned distinctions.

  • Lendmire Million Premier Circle Top production recognition

Mortgage Calculator

Run the numbers before you call.

See your estimated payment, total interest, and amortization across loan programs — then reach out when you’re ready to talk specifics.

Property Details

Qualify on rental cash flow.

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Indicative rate · varies by FICO, LTV, program
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$
$
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DSCR Ratio
1.27
Qualifies · 1.00 +
0.001.002.00+
Loan Amount $320,000
Principal & Interest $2,237
Tax + Insurance + HOA $450
Monthly Cash Flow +$213
About DSCR Qualify the property, not you. No tax returns, no W-2s, no employment verification. The property’s rental income divided by its total monthly debt service must typically clear 1.00 to qualify — higher ratios unlock better pricing.
No tax returns. Close in an LLC. STR-friendly.
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Standard Financing

Backed by Fannie & Freddie.

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%
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Indicative rate · varies by FICO, LTV, program
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$
$
Total Monthly Payment
$3,311
Includes principal, interest, tax, insurance & PMI.
Loan Amount $382,500
Principal & Interest $2,480
Property Tax $350
Homeowners Insurance $150
PMI Private Mortgage Insurance $159
About Conventional The most flexible loan type — pricing rewards strong credit. PMI applies under 20% down but drops off at 78% LTV automatically. HomeReady® and Home Possible® programs allow as little as 3% down for eligible first-time buyers.
The most flexible path to ownership.
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VA Benefit

Zero down, no PMI.

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Indicative rate · varies by lender, FICO, LTV
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$
Total Monthly Payment
$2,968
No PMI required on VA loans. Funding fee rolled into loan amount.
Base Loan Amount $400,000
VA Funding Fee Rolled Into Loan $8,600
Total Financed $408,600
Principal & Interest $2,516
Property Tax $300
Homeowners Insurance $150
About VA Loans A benefit earned through service. Zero down, no monthly mortgage insurance, competitive rates, and no prepayment penalty. Funding fee is financed into the loan and may be waived for veterans with service-connected disability ratings.
A benefit earned through service.
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Government-Backed

Your first door.

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Indicative rate · varies by lender, FICO, LTV
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$
$
Total Monthly Payment
$2,560
Includes MIP (FHA mortgage insurance) — UFMIP rolled into loan.
Base Loan Amount $313,625
UFMIP 1.75% Upfront · Financed $5,488
Total Financed $319,113
Principal & Interest $2,017
Monthly MIP 0.55% annual $146
Property Tax $250
Homeowners Insurance $125
About FHA Built for first-time buyers and borrowers who don’t fit the conventional box. Gift-friendly down payment and flexible DTI ratios. Mortgage insurance is required for the life of the loan in most cases.
Your first door is closer than you think.
Get A Quote

Why Work With Me

A different kind of mortgage experience.

Three things that set this process apart — from your first conversation to the day you close.

01 · My Approach

Quick to respond.

Clients expect quick responses, and that’s what they get. Constant communication, open lines, and answers when you need them — not three days later. The mortgage process moves fast. So do I.

02 · The Lendmire Advantage

Multi-lender shopping.

Lendmire is a brokerage — we shop top wholesale lenders to find the best rate and structure for your profile. You don’t get one bank’s offer. You get the right one.

03 · Direct Access

Real human, not a call center.

You work with Scott directly — from preapproval through closing. Same name on the email, same voice on the phone, same person at the closing table. Calls returned same-day, questions answered honestly, and a process that adapts to your timeline — not the other way around.

Client Experiences

What Lendmire clients are saying.

Scott is committed to delivering the same caliber of experience our team is known for. Here’s what Lendmire clients are saying about working with us.

Get Started

Ready to get pre-approved with Scott?

Start your application in about 30 seconds. Scott will reach out personally to walk you through the next steps — no commitment required.

Get Pre-Approved with Scott