Turning Home-Equity Into Life-Quality

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Meet YourRetirement Mortgage SpecialistKathy Carlay

These are scary times we are in. Inflation is at historical highs and climbing, seniors are on fixed income. The retirement advice that we have gotten in the past is quite frankly WRONG. The focus for retirement has been on Accumulation of assets and not on CASHFLOW. It doesn't matter how much net worth you have if you can't access it when you need to. What if there is a healthcare emergency? A major home repair? Or the death of a spouse? What if you simply want to live out the retirement you dreamed about?

My name is Kathy Carlay. I have spent my entire career studying the movement of money. Motivated by watching my grandparents and parents attempt to navigate the world of financial independence, I felt like there was a better a way. A way to increase CASHFLOW and still reduces taxes and fight inflation.

I am committed to help my clients understand the myths of retirement and change the way it is done in our country. My mission is to empower every American to have the retirement of their dreams, when they want and how they want through increased CASHFLOW and financial literacy.

I have over 20 years’ experience in the financial services industry. I have been a licensed stockbroker, life insurance agent and mortgage lender and Certified Senior Advisor. My goal is to blow the lid off the old way of thinking. What if everything you thought you knew about retirement was wrong? When would you want to know?

When I am not putting on my cape trying to save to world from antiquated thinking that no longer serves them. I love spending time with my 3 children attending their soccer games, gymnastics meets and choir performances. I married my college sweetheart, later in life, and we enjoy attending all things Clemson and anything that involves a boat.

I look forward to connecting with you and learning more about you. If you would like to email directly my email is kathy.carlay@fairwaymc.com


Based in Greenville, SC


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 Greenville, SC

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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