Turning Home-Equity Into Life-Quality

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Meet YourBranch ManagerJames Ward

My name is James Ward. I am originally from Pittsburgh Pennsylvania, once known as the Steel capital of the world; and I now reside in the nation's energy capital of Houston Texas. I moved to Houston in 2003.

I am a graduate from the Pennsylvania State University with a degree in Real Estate/Finance. Upon graduating in 1988, I became a Licensed Real Estate Appraiser, valuating and evaluating both commercial and residential properties throughout the United States. In 1999, I decided to pursue a career in mortgage banking and originating as the result of my passion to help and educate people about real estate and residential mortgages given my degree of knowledge in real estate and financing.

My experience in the mortgage industry began in 1999 as Founder, President and co-owner of a Mortgage Company in Pittsburgh. I resigned my duties with the Company in 2003 as a result of my relocation to the City of Houston. In January 2004, I joined Fairway Independent Mortgage Corp as Branch Manager of the Houston Texas “Upper Kirby District” office. My motto is simple - treat people how you want to be treated and the seeds you sow will be your reward.

As a Certified Reverse Mortgage Specialist and Certified Mortgage Advisor with Fairway IMC, my holistic approach to educating my clients about mortgage financing helps my clients in choosing the best mortgage solution for the refinance or purchase of their home given their "short" and "long" term over-all financial goals.

I believe my experiences in all facets of real estate have provided me extensive knowledge in mortgage lending. As a result, I am consistently recognized as a Top Mortgage Originator in Houston Texas serving families of Financial and Estate Planners, CPA’s, Attorneys, Real Estate Agents, and Builder clients. I am awarded the prestigious President's Club with Fairway IMC and Top 1% of Mortgage Originators nationwide and honored to be consistently sought out to represent the clients of the top-producing real estate agents throughout the nation's energy capital of Houston Texas.

The home is where memories of a lifetime are created. My professional core purpose is to serve the families entrusted to our care by providing residential home mortgage solutions that lead to the American dream of homeownership!

Based in Houston, TX


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 Houston, TX

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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