Available when houses actually sell
Showings at 7 PM, offer deadlines on Sunday, a "can we afford this one?" from the driveway — Mike answers when the question happens, not Monday morning.
First-time buyers · Illinois
Buying your first home is a team sport. Your agent finds the house; Mike Facchini makes the financing land — with straight answers on Saturday night, a payment on any listing in minutes, and a call to the listing agent with every offer.
Nights & weekendsChicago · 20+ years lendingNo forms. Nothing collected.
Mike · Team Facchini
usually replies in minutes
hey mike — quick question 👋 we just toured a house and have no idea what we're doing
Nobody does the first time — that's what I'm for. What do you want to know first?
tap one 👇
Send me the address and price. I'll text back the full monthly payment — taxes, insurance, everything — in about 10 minutes. 🏡
7
Days a week you can reach Mike — nights and weekends included
10 min
For updated payment + cash-to-close math on offer day
1 call
To the listing agent with every offer you submit
1–2 days
Typical pre-approval turnaround once your documents are in*
* Timing varies by file and depends on receiving complete documentation. Turnaround figures are typical, not guaranteed. This is not an offer to enter into an agreement; not all customers will qualify. Rates, programs and terms are subject to change. All loans subject to credit and property approval.
Why "realtor-centric" matters
Houses sell on Saturday nights and offer deadlines land at 5 PM Sunday. If your financing can't keep pace with your agent, you lose houses you could have won. Mike built his whole process around that one fact.
Financing answers, right beside your agent
Seller credits, appraisal gaps, contingency language, closing dates — Mike works through the money side with your agent so the offer is built right the first time.
A call to the listing agent — with every offer
A personal call vouching for your financing, with Mike's cell number attached. It answers the one question every listing agent has: will this actually close?
How Mike helps
Most buyers think a lender's job is a rate. The rate is table stakes. The job is everything that happens between "we like this house" and the keys — and doing it fast enough that you win the house.
Pre-approval that means something
Income, assets and credit actually reviewed — then a letter written to match your offer, not your max. Usually a day or two once your documents are in.
Payment math on any house, fast
Text Mike an address and a price. Principal, interest, taxes, insurance, mortgage insurance and cash to close come back in minutes.
Offer-day support
Updated numbers, a matched letter, and a personal call to the listing agent with every offer you submit — the quiet advantage in a multiple-offer weekend.
One team with your agent
Your agent finds the house. Mike makes the financing land. They talk to each other, so you never play phone tag between them.
Down payment help, found
IHDA statewide, city programs inside Chicago. If assistance fits your file, Mike pairs it with the right first mortgage.
A calm path to closing
Clear next steps at every milestone, straight answers to every question, and a process that runs quietly in the background until the keys.
The question everyone actually has
Not the loan payment — the whole payment. Principal, interest, property taxes, homeowners insurance, mortgage insurance, HOA if there is one. The calculator shows all of it, instantly, with no sign-up. Then text Mike the address for numbers specific to that house.
Run my numbers →Mike · Branch Manager & Loan Officer$300k house, 3% down — what does that actually cost per month?
Ballpark, all-in, it's in the mid $2,000s in most of the city — Cook County taxes do the moving — depending on the neighborhood and today's rate. Run it on the calculator, then send me the address and I'll make it exact. 📲
Meet Mike
Mike Facchini got into mortgages as an intern in 2001 and never left. Two decades and a couple of rate cycles later, he runs Team Facchini from Fairway's River North office — and still answers the Sunday-night text himself.
Branch Manager with Fairway Home Mortgage in Chicago, licensed in Illinois and seven other states, a specialist in two-flats, renovation and complex files, and the lender your real estate agent wants on the team.
First-time buyer guides
01
You do not need 20% down
The single most expensive myth in home buying — and what buyers in Illinois actually put down.
4 min read →02Nine ways to make your offer stronger (without overpaying)
Price is only one lever. Here is what listing agents actually weigh — and how your lender can tip the scale.
6 min read →03Down payment reality: what buyers in Illinois actually bring
Gift funds, assistance programs, seller credits and the real cash-to-close number nobody explains.
5 min read →Loan programs
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Learn more →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Learn more →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Learn more →USDA Loans
$0 down for homes in eligible smaller communities — many collar-county and exurban communities qualify, and most buyers have no idea.
Learn more →Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Learn more →Down Payment Assistance
Illinois has real down payment help — IHDA and City of Chicago programs can put thousands toward your down payment and closing costs.
Learn more →Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Mike will show you. When it doesn’t, he’ll tell you.
Learn more →No idea which one?
Perfect. That is a ten-minute conversation, not homework. Text Mike what you are wondering about.
Text 312-667-7681 →Ready when you are
No dumb questions, no pressure, no forms to fill out. Text Mike what you are wondering about and get a straight answer — usually the same day, nights and weekends included.
Text Mike · 312-667-7681 →Apply with Mike at Fairway
Applications happen on Fairway's secure site — never here.