Turning Home-Equity Into Life-Quality

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Meet YourSenior Loan Officer & Retirement Mortgage SpecialistDee Pajak

With the understanding that a home is often times your largest asset and largest debt, Dee approaches home buying and refinancing with an eye toward your big financial picture. Perhaps that is why she was voted two years in a row “Best Mortgage Loan Officer” in both Kitsap County and Bainbridge Island.

Where do you want to be and how can you get there? Your questions can have answers with an achievable road map, and you don’t need to feel alone. Having an experienced loan officer by your side with whom to bounce ideas and ask questions helps you get there faster and smarter. Everything is figure-out-able and a touch of humor helps. It’s reassuring to know that Dee has first hand experience, too – residential and commercial property investor, landlord, DIY renovator, flipper, expert speaker, and author in dozens of local and national publications. Topics she has covered include renovating for green living, real estate investing, second homes, and simplifying the mortgage process.

Since Dee began in the mortgage market 18 years ago, she has consistently been a top producer and now is grateful to be a trusted advisor for repeat clients who have gone through many life changes –upsizing, downsizing, retirement, divorces, relocations, growing families, and more.

In her spare time, Dee enjoys reading nonfiction books, woodworking, furniture building with slabs and is a certified Permaculture Designer, having designed and built a dozen gardens. A champion for animals, Dee led the effort to pass a law in Fulton County, GA, banning dog chaining and volunteered with spay and neuter programs in the Bahamas. She performed on mountain bike in the 1996 Olympic closing ceremonies, walked the 490 mile Camino de Santiago trail across Spain, and is forever looking for a right point break to surf. She lives on Bainbridge Island with her partner and menagerie of companion animals surrounded by a food forest they designed.

Based in Bainbridge Island, WA


What Fairway customers are saying *

My wife and I really appreciated the huge financial help from Fairway Independent Mortgage Corporation. Our lives have been better than before. Thank you again.

Donald Y.

Fairway was always professional, expedient, and truthful about the process of obtaining a reverse mortgage loan. No part of the process was concealed or confusing. It was a pleasure to work with Fairway and its representative.

Sandra H.

This is an invaluable loan for seniors. The staff was terrific helping us navigate through the process and explaining the benefits this provides.

Gwen R.

What is a Reverse Mortgage Loan?

A reverse mortgage is a unique loan that allows those 62 years of age and older to convert a portion of the equity they have built up in their homes into cash and defer repayment until they pass away or move out. The loan can provide you with cash that you can use now, help you develop a line of credit, and more, giving you more financial flexibility in retirement.

Benefits of A Reverse Mortgage

There are many incredible benefits to this unique loan, and it can be a great way way for you to feel secure in your retirement and provide you with the financial freedom you are looking for.


  • No monthly mortgage payments except for taxes, insurance, and maintenance
  • Growing line of credit (applies to unused funds)
  • Increased discretionary cash flow
  • Can sell YOUR home at any time
  • Does not require payment until last living borrower permanently leaves the home
  • Bridge the medicare gap
  • Increase your purchasing power

Benefits of working with a Fairway loan officer in Bainbridge Island, WA

We Deliver On Customer Service

Our customers experience some of the fastest turn times in the industry. The Fairway reverse mortgage loan process is designed to exceed expectations, provide satisfaction and earn your trust.

Specialized Training

Each Fairway loan officer is required to attend live training classes before he or she can originate a reverse mortgage loan. Our Reverse mortgage planners have access to a dedicated support staff and ongoing weekly educational training calls.

National In-Person Appointments

Fairway has offices located nationwide with trained reverse mortgage planners, giving us the ability to meet with you in a face-to-face setting.

Who We Serve


You invested so much into your home and future, and retirement is meant to be a time where you can reap those benefits. With a reverse mortgage, Fairway can help you convert the equity in your home into useable, nearly tax-free funds.

Financial Advisors

With Fairway Mortgage, we can help your clients secure smart financial decisions when it comes to reverse mortgages and their retirement planning. We are proud to be a trusted resource for financial advisors and their senior clients.


The Fairway team is proud to be the top reverse mortgage partners for Realtors. With our years of experience, we will be there every step along the way, from the vital pre-approval process to a smooth, surprise-free closing.

Reverse Mortgage Resources

The Fairway team wants you to have convenient access to all of the details you need regarding reverse mortgages and has prepared a variety of resources that can help you along your planning journey.

Calculate Your Reverse Mortgage

Reverse Mortgage Myths & Facts

Reverse Mortgage Brochure

Find Out More About Our Loans, Like How Much You May Qualify For

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