FAQ
Questions? Good. Ask away.
The questions Brett hears most, answered the way he'd answer them over coffee. Don't see yours? Text it over.
Working with Brett
Does it cost anything to talk to Brett?
No. Conversations, pre-approvals, payment estimates, second opinions — all free. Lenders are paid through the loan transaction when you close, not for answering questions.
What's the Thiry Mortgage Group?
Brett's team at Fairway Home Mortgage's Eden Prairie branch, led by Nick Thiry — one of the top-producing mortgage teams in Minnesota. Working with Brett means a whole team of processors and specialists behind your file, not one person juggling everything.
Which states can Brett lend in?
Brett is licensed in Minnesota, Wisconsin, Colorado, Arizona, Nebraska & Virginia — so if you're buying in the Twin Cities or relocating across state lines, he's likely covered.
What's the fastest way to reach Brett?
Text 952-738-1178. Real question, quick answer. Email ([email protected]) works too — but a text usually wins.
Money questions
How much down payment do I really need?
As low as 3% on conventional loans for first-time buyers, 3.5% FHA, and $0 for eligible VA and USDA buyers. Down payment assistance can reduce out-of-pocket cash further. The 20% rule is a myth.
What credit score do I need?
Most conventional programs start around 620; FHA can go lower. Pricing improves with higher scores. If yours needs work, Brett can point at the moves that raise it fastest.
What will my monthly payment be?
Depends on price, down payment, rate, taxes, and insurance — which is exactly what the calculator on this site estimates. For real numbers on a real house, text Brett the listing and he’ll run it same-day.
Are rates going up or down?
Honest answer: nobody knows, and anyone who claims to is selling something. Brett's approach is to make the payment work at today's rate — and refinance later if rates genuinely improve.
Timing & process
How fast can I get pre-approved?
Often within a day or two of getting your documents in. If you’re about to make an offer this weekend, tell Brett — rush situations are handled all the time.
How long from offer to keys?
Typically around 30 days with an organized lender. Preparation and fast responses to underwriting requests are what keep a file on schedule.
I'm 6–12 months out. Too early to talk?
The opposite — that’s the ideal time. A conversation now gives you months to optimize credit, savings, and strategy so you’re unstoppable when you’re actually ready.
Can I apply online?
Yep — Brett’s secure Fairway application is linked all over this site and takes about 15 minutes. Or start with a text if you’d rather talk first.
Your question isn't here?
Then it's a great question. Text it to Brett and get a real answer — usually within the hour during business hours.