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Welcome to Fairway Independent Mortgage Corporation in Redding, CA
Byron Pontoni, Loan Officer
Early on in his career Byron recognized that there will always be a need for mortgage finances. This put him on the path to explore the financial services field. In 1995, he managed a finance company for 3 years. Then for the next 9 years he worked in wholesale lending and 5 years after that he worked in retail lending. All of these years he spent learning different aspects of the financial services field which lead him to home lending. He loves to help his clients get into their dream home. He knows it can be overwhelming and he looks forward to guiding his clients through the crazy process.
Byron is happily married to his wife Julie and they have two beautiful daughters, Kyla and Maci. Byron is an avid hunter and fisherman. His top two favorite things to hunt are elk and duck. He also enjoys coaching softball. But most of all, Byron enjoys spending time with his family.
At Fairway Independent Mortgage Corporation, customer service is a way of life. We are dedicated to finding great rates and loan options for our customers while offering some of the fastest turn times in the industry. Our goal is to act as a trusted advisor, providing highly personalized service and helping you through every step of the loan process – from application to closing and beyond. It’s all designed to exceed expectations, provide satisfaction and earn trust.
Since opening our doors more than 20 years ago, our team has helped thousands of Americans achieve their dream of homeownership. Ranked as one of the top 10 mortgage companies in America by Mortgage Executive Magazine, we have funded more than $50 billion in loans since the company started and more than $21.2 billion in 2017 alone.
Byron knows the process of buying a house can be very stressful for anyone and prides himself on his integrity and follow through. He gives his clients complete transparency all the way through the process and makes himself available to help whenever they need it. Byron knows that borrowers might buy only 1-2 homes in their lives and the verbiage can sound like a foreign language, so his entire focus is on trying to simplify the process and lower the overall stress of the transaction.
Working for one of the largest Mortgage Lenders in the nation, Byron has a multitude of products to offer:
- Conventional - Fannie Mae and Freddie Mac. These loans are for the top of the line borrower with a good established income, assets, and credit score.
- FHA - Great option for first time buyers. The guidelines will allow for a few ‘dings’ on the credit, lower credit scores, and higher debt-to-income ratios.
- VA Loan - Specifically for our service veterans past & present. This loan allows for little to no down payment, no mortgage insurance, and very competitive interest rates.
- USDA Loan - This is a rural development loan that Shasta, and the surrounding counties, are eligible for. It’s a zero down payment loan, with lower mortgage insurance, and very competitive rates.
When helping folks with their mortgages, Byron is not a salesperson. He refuses to tell people what they want to hear in order to make them happy and just make a sale.
Byron is very confident of his knowledge of his job. He constantly stays updated on all the current changes that happen frequently with the lending products and market conditions. Byron lets his integrity shine through each day and he is proud to show that to his clients.
He has a great relationship with many local vendors for the lending process including Real Estate Agents, Title Companies, Insurance Agents, Appraisers, and Home Inspectors to name a few.
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Byron Pontoni, Loan Officer
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