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Meet YourMortgage Equity PlannerKristy Osborn

Kristy is a fourth-generation Dallasite and graduate of the University of Texas at Arlington. After obtaining her Bachelor's degree, she spread her wings briefly in California and Austin, TX, before returning to settle down in Dallas and marry her husband of 25 years (and counting). After raising their three daughters, Kristy has learned that the world is ever-changing, just like the Mortgage business, and she's embraced it by staying educated and up to date on those changes. Kristy began her career as a Realtor, which evolved into an Escrow Officer— each role giving her a deeper understanding of the home buying process, ultimately guiding her toward becoming a Loan Officer. She has always loved working with seniors and found that she particularly enjoyed helping this demographic. After her former company moved over to Fairway Independent Mortgage, Kristy heard about Fairway's extensive training on Reverse Mortgages. 
She jumped at the chance to become an expert in this specialty product line. Today, she serves families in every situation but has become the "go-to" for helping seniors achieve their goals with Reverse Mortgage. When asked why she loves this industry niche, she says, "One of my favorite borrower stories was helping a couple in their 70s and 80s purchase their very FIRST home. It is never too late to start building wealth and getting to be a part of the American dream!" Kristy works hard to make dreams come true, but she is also a dedicated wife, mother, and pet owner. Kristy and her husband are known for fantastic backyard barbeque cookouts, sharing funny memes on Facebook, and enjoying spending time with friends and other families in the community.

Based in Garland, 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 Garland, 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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