Trevor Higgins · NMLS #1410557 · Fairway Home Mortgage

Get Your Personalized Rate Quote

4 quick questions — no credit pull, no commitment.
Trevor responds within 1 business hour.

Charlotte rates this week
6.51%30-yr Conventional
6.15%FHA 30-yr
6.00%VA 30-yr
7.25%+DSCR Investor
Freddie Mac PMMS · May 21, 2026 · Full rate breakdown →
★★★★★
"Got our rate quote same day. Closed in 28 days. Couldn't believe how smooth it was."
— Josh L. · Charlotte NC · Google Review
★★★★★
"Trevor explained everything clearly. No surprises at closing. 100% recommend."
— Derrick W. · Charlotte NC · Google Review
★★★★★
"As a first-time buyer I was nervous. Trevor walked me through every step. Incredible service."
— Anitta C. · Charlotte NC · Google Review
520+ 5-star reviews
24-hr pre-approvals
🔒 No credit pull
🌎 Charlotte + nationwide
Step 1 of 4 25%

What are you trying to do?

Pick the one that best fits your situation.

Where are you buying or refinancing?

We lend in Charlotte and nationwide.

Estimated purchase price or home value?

A ballpark is perfect — helps us match the right program.

Last step — how do we reach you?

No spam, no robo-calls. Trevor responds personally.

⚡ Quick bonus question (optional)
Are you a first-time buyer or a veteran?

By submitting you agree to be contacted by Trevor Higgins at Fairway Home Mortgage. NMLS #1410557. No spam ever.

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You're all set!

Trevor will reach out within 1 business hour with your personalized rate quote. Check your email for a confirmation.

📅 Or book a call right now

Does getting a rate quote affect my credit score?

No. A rate quote request involves no credit pull and has zero impact on your credit score. A credit check only happens when you formally apply for a mortgage. You can get a personalized quote, review your options, and ask questions with no commitment and no credit impact.

How fast will I hear back from Trevor Higgins?

Within 1 business hour during business hours. After-hours requests receive a response the next business morning. For urgent needs, call or text Trevor directly at 330-977-0017.

What states does Fairway Home Mortgage lend in?

Trevor Higgins is personally licensed in North Carolina, South Carolina, Florida, Ohio, and Texas. Through Fairway Home Mortgage's nationwide platform, lending is available in most other US states as well. Charlotte and the NC/SC market is the primary area of expertise.