Marcela Siroky

Marcela Siroky from Fairway Independent Mortgage in Park Ridge, IL, is committed to providing the best home loan solutions for her customers. Backed by excellent operations and a company that truly cares about people, Marcela’s goal is to help everyone achieve their dream of owning a home.

About Fairway

Fairway Independent Mortgage Corporation was founded in 1996 by Steve Jacobson. Just five years after opening its doors, Fairway reached the $1 billion funded mark. With a strong focus on purchase business, we continue to grow each year, funding $17.5 billion in 2016.

Customer service is a way of life at Fairway. Not only are we dedicated to finding the best rates for our customers, we also offer some of the fastest turn times in the industry. Our goal is to act as your trusted advisor, providing highly personalized service and guiding you through every step of the loan process. It’s all designed to exceed your expectations, guarantee your satisfaction, and earn your trust.

Fairway is dedicated to the highest level of service, demonstrated through consistent, informative communication with clients and their real estate partners. Our main priority is ensuring that the trust we are given is backed by accurate, on-time paperwork delivered with the best technology available. We strive to streamline the mortgage process for our clients and make it stress free for all parties involved.

Fairway Independent Mortgage Corporation is licensed in all 50 states and has headquarters in Madison, WI, and Carrollton, TX. Fairway works with the Federal Housing Authority and Freddie Mac.

Mortgage Planners

There are likely many people in your life that you trust to give you advice – from friends and family to business professionals. You may have a CPA who assists you with your taxes and a financial advisor who lends their expertise on how to invest what you earn. You might even have a nanny who helps care for your children, or hire services for your lawn or home maintenance.Hiring professionals is a great way to ensure that you have the best person in place to help you with decisions, which is why working with a Mortgage Planner is incredibly important. At Fairway Independent Mortgage Corporation, we take the time to discuss your overall financial objectives, look closely at your credit and spending, and work with you to determine what the best loan for your life will be. After all, buying a home is usually the largest financial decision you will make, and you will need the best advice and guidance from someone you truly trust.You can trust me to listen to your needs and really hear what you have to say. My job is to answer all of your questions and present the best possible programs for your goals and your budget. I want you to feel comfortable in your mortgage payment and be able to live well and have the funds you need each month to enjoy life.I am also committed to communicating every step of the way with you. Never worry that you are asking too many questions because understanding the lending process is important. I am a resource for you and have your very best intentions at heart.We do business differently at Fairway because each loan is much more than numbers on a paper – it is your dream for living in the house that you will turn into a home. Nothing would give me greater professional joy than to help make that transition easy and stress free for you by utilizing my years of experience in mortgage planning to assist you in making the best choices possible. When you are ready to buy or refinance your home, I am here to serve you in every way that I can. That is my commitment to you.

Use My App

Today’s homebuyers demand a robust mobile experience. What can you expect from the FairwayNOW app?

Apply for a loan in under 10 minutes
Track loan progress with real-time push notiﬁcations
One-click call or text to your Realtor and me
Securely scan documents with your smartphone
Calculate loan scenarios and full monthly payments

I would love to text you the link to download the FairwayNOW app. Email or call me!

Buy A Home

Buying a home is one of the biggest financial decisions a person can make and it is important to trust a Mortgage Planner to help you with the process.Mortgage Planners at Fairway Independent Mortgage Corporation take the time to listen to your overall financial goals and dreams of homeownership, and then work with you to put together the best loan program for you.We offer a variety of loan programs for our customers at competitive rates including:

Fixed rate
Adjustable rate
Conventional
Federal Housing Authority (FHA)
Veterans Administration (VA)
Rural Development (USDA)
Jumbo
Investment property

Not only are we committed to truly listening to your needs, we will also communicate at every step of the process, answering all questions you may have and making you feel very comfortable in your decisions.

Refinance

Refinancing is the process of obtaining a new mortgage in an effort to reduce monthly payments, lower your interest rates, take cash out of your home for large purchases, or change mortgage companies. Most people refinance when they have equity on their home, which is the difference between the amount owed to the mortgage company and the value of the home. Five common reasons people refinance their homes are:

You can reduce the interest rate (and, therefore, interest costs) by financing at a lower rate. This is a primary reason for refinancing. Depending on the circumstances, you can save a lot of money!
You can extend the repayment time; thus, reducing the monthly mortgage payment. This increases your cash flow. That money can then be used to pay off high-interest debt (e.g., credit cards, school loans).
Reduce your payment by changing from a variable-rate to a fixed-rate loan. This frees you from the sometimes expensive interest rate/payment fluctuations that can occur in a volatile real estate market.
Rather than extending the term, you may decide to shorten the term and reduce the interest rate – for example, moving to a 15-year fixed rate. This may not increase your payment much and will still allow you to pay off your house years sooner.
Finally, if you are a homeowner who understands investing money, you can refinance in order to raise cash for investments, improve overall cash flow, etc.

Conventional

If you are planning to borrow $453,100 or less for a single-family home, you should be looking into a conforming conventional loan. Conventional conforming loans are not made by a government entity, like FHA and VA loans, but instead follow the guidelines set forth by Fannie Mae and Freddie Mac. These established guidelines usually call for a minimum credit score, certain income requirements, and a minimum down payment (generally between 3% and 20%).Conventional home mortgage loans have either fixed or adjustable rates. A fixed-rate mortgage means that your monthly mortgage payment remains the same for the life of the loan, and typically has a term of 15 or 30 years. A shorter-term loan can often denote a lower interest rate. An adjustable-rate mortgage, or ARM, fluctuates in relation to market index; therefore, monthly payments can increase or decrease accordingly.

Conventional loans generally have the most rapid qualifying process, as the guidelines are clear and concise. However, every conventional mortgage lender will review and verify a borrower’s credit, income and assets, along with an appraisal of the property.

FHA

If you have credit challenges, an FHA loan may be the right answer for you, especially if you have been through a foreclosure or bankruptcy. These loans usually have higher debt ratio allowances, which can make a difference when you have steady income but have debt from college loans, credit cards, etc.This FHA insurance allows lenders such as Fairway to provide home loans with down payments as low as 3.5% of the purchase price. The less restrictive guidelines allow borrowers who may not qualify for a conventional loan to refinance and consolidate debts into a low, fixed-rate loan.

Jumbo

A jumbo loan, a type of non-conforming loan, is a home mortgage that allows financing for loan amounts that exceed the conforming maximum of $453,101 (depending on what area of the country you’re in, loan amount may vary). Since home prices for larger or luxury homes can often surpass this amount, this loan might be perfect for the house of your dreams.A jumbo loan is your best (or only) option if you need to borrow between $453,101 and $3,000,000 for a home purchase or refinance. Jumbo loan rates can be higher, lower, or the same as conforming loan amounts.With the fluctuating market, jumbo home mortgage loans do call for stricter requirements than in years past, but still follow a similar process of a typical loan. You will generally need a 10-20% down payment and will be able to potentially receive lower fixed or adjustable rates offering flexibility for financing with a bigger loan.

VA

VA loans are made by Fairway Independent Mortgage Corporation and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase or refinance of a home. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses. A VA loan is generally available with no down payment and no monthly mortgage insurance, making this a great option for eligible veterans.

Fairway is committed to helping military families across the country by partnering with the American Warrior Initiative.

USDA

Owning a home outside of city limits may be easier than you thought with USDA home financing from Fairway Independent Mortgage Corporation. The USDA Guaranteed Rural Housing mortgage is available for salaried, non-salaried and self-employed borrowers, and is not limited to first-time homebuyers.

0% down payment required
620 minimum FICO
Primary residence only
Fixed-rate financing available at USDA interest rates
Gift funds allowed for closing costs
New construction financing options available

To see if your property is eligible, click here and call me to discuss.

Testimonials

REVIEWS FOR MARCELA SIROKY

Michael Heredia

August 23, 2018

Marcela was great from beginning to end. Constant contact and helped us feel comfortable wit the big decision we were making. Clear and concise figures. Will recommend to everyone.
VALENTIN AGUILAR

August 5, 2018

I cannot say enough positive comments about this business. Marcela and her team were unbelievably polite, understanding, informative and sympathetic from the very beginning. She responds quickly to calls, texts and emails. She truly was a pleasure to work with and would highly recommended her to anybody.
Patryk Poborca

July 24, 2018

Marcela and her team always provides very professional and outstanding service.
Claudia Cabiedes Garcia

July 10, 2018

Marcela and her team are always on top of you case and always communicate with you to make sure everything is in order for a fast closing.
Daniel Ordonez

July 9, 2018

Marcela is great she is always there for any questions or concerns that we may have, always communicate with you for any update or any more documents that are needed to complete the Process. She work very hard on your loan in order to have a very smooth process

Contact

Marcela Siroky
Loan Officer
NMLS# 230816
IL# 031.0016500

114 Higgins Rd.
Park Ridge, IL 60068

Office	773.455.1355
Cell	773.615.2597
Fax	866.614.1191
marcela.siroky@fairwaymc.com

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Illinois Residential Mortgage Licensee

Fairway Independent Mortgage Corporation

About

About Fairway

Core Values

Mortgage Planners

Use My App

Buy A Home

Refinance

Conventional

FHA

Jumbo

VA

USDA

Testimonials

REVIEWS FOR MARCELA SIROKY

Michael Heredia

VALENTIN AGUILAR

Patryk Poborca

Claudia Cabiedes Garcia

Daniel Ordonez

Contact

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Fairway Independent Mortgage Corporation

About

About Fairway

Core Values

Mortgage Planners

Use My App

Buy A Home

Refinance

Conventional

FHA

Jumbo

VA

USDA

Testimonials

REVIEWS FOR MARCELA SIROKY

Michael Heredia

VALENTIN AGUILAR

Patryk Poborca

Claudia Cabiedes Garcia

Daniel Ordonez

Contact

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