Fairway Independent Mortgage - Submitted Inaccurate FHA Docs, Referred Me to Realtor Who Omitted Repair Requirements Lake Jackson Texas

In 2023, I used Fairway Independent Mortgage Corporation to finance my first home with an FHA loan. My loan officer, Alisa Bailey, referred me to a real estate agent who later omitted a signed repair amendment from the closing documents.

The home had multiple safety issues, including ungrounded outlets and leaking plumbing. Repairs were contractually agreed to, but after closing I discovered the amendment wasn’t included in the paperwork. The document was added weeks later, after it was too late to enforce.

Fairway submitted a HUD addendum that appeared compliant but was actually signed by me on a different date. This violates HUD rules that require it to be signed at or before closing. Their own response to the CFPB confirmed the timeline, yet no action was taken.

Due to the false claims about the home’s condition and the improper documentation, I moved into an unsafe home. I had to pay over $37,000 out-of-pocket to make it livable. My insurance paid an additional $13,720, and I was left in hardship during and after pregnancy.

I suffered a bone infection, worsening depression, and had to raise my newborn in unsafe conditions. Fairway never followed up on my reports, despite stating they were investigating. I sent multiple follow-ups and received no resolution.

The Texas Real Estate Commission formally disciplined the agent Fairway referred me to (TREC File #245859), confirming that serious errors were made. Fairway has refused to acknowledge any role in the damage that followed.

Shortly after closing, Fairway sold my loan to another company—severing ties and avoiding responsibility for the issues I faced. If you’re relying on Fairway to protect your loan and your interests, be cautious. My experience involved misrepresentation, document discrepancies, and long-term harm to me and my child. No one has been held accountable.