Ask away
Frequently asked, honestly answered
Twelve real questions with zero sales-speak. If yours isn't here, text it to Alex — that's what he's for.
Working with Alex
Does it cost anything to talk to Alex?
No. Conversations, pre-approvals, and payment scenarios are free. Alex is only compensated when a loan actually closes — asking questions costs you nothing.
What areas does Alex serve?
Alex is licensed in Nebraska and based in Papillion, serving Omaha, Papillion, La Vista, Bellevue, Gretna, Elkhorn and communities across the state.
Is texting really the best way to reach him?
Yes — text 402-960-0128 and write it exactly how it sounds in your head. "Can we afford a house?" is a complete, excellent first message. Calls and email work great too.
What makes Alex different from an online lender?
A person who answers. Online lenders are great until something needs judgment, speed, or a phone call to a listing agent. Alex is a local who picks up, explains, and shows up — with Fairway’s national platform behind him.
Money questions
How much down payment do I really need?
Conventional first-time buyer programs start at 3%, FHA at 3.5%, and VA/USDA can be $0 down. NIFA assistance can help qualified Nebraska buyers with down payment and closing costs too. Twenty percent is about avoiding PMI, not about permission to buy.
What credit score do I need?
Many conventional programs start around 620, and FHA can work into the 580s. If you’re not there yet, Alex can point you at the fastest score-building moves — no judgment, just a plan.
What will my interest rate be?
Honest answer: it depends on your credit, program, down payment, and the day’s market — which is why this site doesn’t advertise teaser rates. Alex quotes real numbers for your real scenario, free.
Can family help with my down payment?
Yes. Gift funds from family are allowed on most programs with a simple gift letter. Alex handles the documentation so it’s painless for everyone.
Timing questions
How fast can I get pre-approved?
Often same-day once your documents are in. If you’re touring homes this weekend, text Alex today.
How long from offer to keys?
Typically around 30 days with a well-run file — sometimes faster. Alex’s communication at every milestone is a big part of why deals stay on schedule.
Should I wait for rates to come down?
Nobody can time rates — anyone who promises otherwise is selling something. If the payment works today, waiting has costs too. And if rates drop later, refinancing exists. Alex will give you the honest math both ways.
When in the year is the best time to buy?
The best time is when your finances and life are ready. Spring has more inventory; winter has less competition. A prepared buyer wins in any season.
Question not on the list?
That's what 402-960-0128 is for. Text it exactly how it sounds in your head — Alex answers in plain English.