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Fairway Independent Mortgage Corporation

4598 S. Tracy Blvd
Suite 140
Tracy , CA   95337
209-362-2368
866-304-7550

Charles was very knowledgeable. That knowledge and confidence he displayed instilled my trust. His assistant Aslyssa kept me aprised of each aspect of the process and I never felt "in the dark" of any part of the process of loan. When I had questions/concerns, she was always available. With Charles, Alyssa and staff in office, I felt valued as a customer and to me, is equally as important as a smooth loan process. Thank you so much!!

- Richard G. Experience.com verified costumer

Tracy, CA
Nov 9, 2021

Excellent customer service

- Farhat M. Experience.com verified costumer

Pleasanton, CA
Dec 10, 2021

The communication from Monica Ochoa was perfect. She helped me thru every aspect of completing the process. I am in awe of her ability and communication skill. She kept in contact and worked hard to help solve every issue with grace, good humor and professional ability.

- Mary C. Experience.com verified costumer

Tracy, CA
Nov 9, 2021

Charles and the lady’s that work with him are great . They helped me with our loan and were in top of it the entire time . Great service

- Isaac H. Experience.com verified costumer

Manteca, CA
Nov 9, 2021

Charles and his team went above and beyond all of my expectations to make owning my new home a reality. The team contacted me with daily updates and phone calls all throughout the process which helped relieve me wondering how the process was going. I would highly recommend Charles and his team to future home buyers. I give special thanks to Charles, Alyssa and Veronica for all their hard work and time spent making my home buying experience a reality.

- Mel W. Experience.com verified costumer

Rio Vista, CA
Nov 9, 2021

The people that work were great I visited the office and had many phone calls They were all pleasant If there was a question they could not answer they would get the answer and call back quickly A great company to work with

- Dennis D. Experience.com verified costumer

Manteca, CA
Nov 24, 2021

Charles was very attentive and was always there to answers calls or texts when you had questions, day or night. His assistant Alyssa, was also very friendly and helpful throughout the whole experience. We definitely recommend Charles and his team!

- Dakota W. Experience.com verified costumer

Escalon, CA
Nov 9, 2021

Charles (& everyone) at Fairway were absolutely wonderful. They always were happy to answer all our questions, welcoming us anytime, at their offices, or over the phone. Walked us through all the documents, explaining the whole process, working to get us the best interest rate and providing consultations, explanations and guidance. Since this was our first purchase we were very anxious about all of it. Charles, in particular, was very kind and explained everything with courtesy & patience.

- Ronald B. Experience.com verified costumer

Tracy, CA
Nov 9, 2021

Frances she anser all my questions and I was able to call her any time me and my family are very happy thanks to Frances thank you very much

- Edgar R. Experience.com verified costumer

Delhi, CA
Nov 9, 2021

Made me feel comfortable and explained everything so I could understand it...

- Edward M. Experience.com verified costumer

Tracy, CA
Nov 9, 2021

Fairly easy and painless

- Alixandra M. Experience.com verified costumer

Manteca, CA
Mar 8, 2022

Charles went above and beyond in his customer service. With the pre-approvals and all the help/advice he provided it made the first time home buying process a breeze. Monica was also part of the great experience. She kept me well informed throughout the whole process, and walked me through the whole process step by step. The whole team was very nice and friendly. I am Very grateful I had such a great team to help make my first home possible! Highly recommend to anyone looking!

- Justin W. Experience.com verified costumer

Sacramento, CA
Nov 23, 2021

Total Communication!! Thank you!!

- Gina M. Experience.com verified costumer

Riverbank, CA
Nov 9, 2021

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- Nelly L. Experience.com verified costumer

Sheep Ranch, CA
Nov 9, 2021

Great communication every step of the way! Everyone was so friendly and great to work with, it made this experience really wonderful, thank you!

- ALISHA V. Experience.com verified costumer

Modesto, CA
Nov 9, 2021

Best experience I have ever had!

- Alyssa H. Experience.com verified costumer

Manteca, CA
Nov 9, 2021

Awesome mortgage lender. He made everything so easy and fun!

- Nicole G. Experience.com verified costumer

Manteca, CA
Nov 9, 2021

friend, and informational

- Luis S. Experience.com verified costumer

Modesto, CA
Mar 10, 2022

Everything was great

- Christopher B. Experience.com verified costumer

Tracy, CA
Nov 9, 2021

Throughout the whole purchase Charles and his team made it very easy on me and wasn’t stressful at all. They helped guide me every step of the way.

- Pasquale D. Experience.com verified costumer

Lodi, CA
May 5, 2022

Working with Charles and Monica is what made it great. They were both so nice and knowledgeable. Every time I called they made me feel like I was their only client and didn't try to rush me off the phone. Talking out a mortgage is never easy but they made it easy and dare I say pleasant. Great experience!!!!

- Michelle F. Experience.com verified costumer

Calimesa, CA
May 11, 2022

My loan was completed in an efficient and timely manner.

- Lisa M. Experience.com verified costumer

Modesto, CA
Nov 9, 2021

Very professional and courteous to my needs as a first time home buyer! Monica was very responsive and answered all of my question no matter how many there were or how late it was! And went out of her way to find me the answers if she didnt know them.

- Aaron O. Experience.com verified costumer

Riverbank, CA
Nov 9, 2021

Thank you for keeping me updated throughout the process

- David T. Experience.com verified costumer

Stockton, CA
Nov 9, 2021

Great customer service!!

- Daniel L. Experience.com verified costumer

Tracy, CA
Dec 9, 2021

Charles is the best.

- Moazzam R. Experience.com verified costumer

Manteca, CA
Nov 9, 2021

Being a single mom and first time home buyer Charles and his team were so amazing to work with. They were friendly, quick, knowledgeable and made me feel like family.

- Sara B. Experience.com verified costumer

Salida, CA
Nov 9, 2021

The friendly people and personalized service and how quick and responsive they were to emails a real pleasure to work with

- Michael R. Experience.com verified costumer

Manteca, CA
Jan 21, 2022

Constant contact. If we had any question big or small we were about to ask without issue.

- Sara R. Experience.com verified costumer

Manteca, CA
Nov 9, 2021

Efficient Communication. Let me know what was needed and when it was needed, and walked me through the process. For such a big life event, y'all made it a painless experience

- Grayson D. Experience.com verified costumer

Tracy, CA
Nov 9, 2021

Charles and his team do a amazing job from the beginning to the end.

- Adam G. Experience.com verified costumer

Manteca, CA
Jan 5, 2022

good communication

- Stephanie R. Experience.com verified costumer

Lodi, CA
Mar 21, 2022

Good response time to questions.

- Michelle G. Experience.com verified costumer

Sacramento, CA
Nov 9, 2021

Charles and his office people were very pleasant and help full, it was nice to see people who seemed to really enjoy there job. Charles is very intelligent and knows his business and has a sincere interest in the customer ,one of the most pleasant dealings I have ever had .

- James T. Experience.com verified costumer

Tracy, CA
Nov 9, 2021

Great experience, they were always able to answer all of my questions and never left me in the dark.

- Austin S. Experience.com verified costumer

Salida, CA
Jan 4, 2022

Charles and Monica were so attentive! Every time I texted or called I was speaking with Monica or Charles and getting my questions answered.

- Lauren S. Experience.com verified costumer

Gilroy, CA
Dec 9, 2021

This team is amazing! Charles and Monica did a great job with my refinance. It was a very smooth, and easy process. Thank you so much for taking care of us!!

- Nicole H. Experience.com verified costumer

Manteca, CA
Jan 9, 2022

We’ve know Charles for the past 4 years. He was the one who helped us purchased our very first home sweethome. It was a great experienced working with them, He guided us every step till we have that keys on our hands. Very easy to talk too... so all in all our experienced with fairway morgaged is great and very will recommended to anyone who would want to Purchased home or refi. Thanks again charles, Alyssa and Veronica.

- Maria F. Experience.com verified costumer

Lathrop, CA
Nov 9, 2021

Communication and explanation.

- Praveen P. Experience.com verified costumer

Modesto, CA
Nov 9, 2021

Super easy to talk with, made the process very easy and explained everything thoroughly.

- Tara S. Experience.com verified costumer

Stockton, CA
Feb 22, 2022

Charles and Team personify the gold standard for customer service. Throughout the entire refi process the team provided timely updates on the status of my loan and immediately addressed any questions or concerns I had with patience and grace. It was an absolute pleasure to do business with them and I highly recommend them for anyone’s mortgage loan/refi needs. Thank you Charles and Team for all you do, and for making the mortgage loan/refi process a breeze!

- Paris I. Experience.com verified costumer

Oakland, CA
Nov 9, 2021

The constant communication and checking in to let me know any updates. They always made themselves available and answered all my questions and concerns in a timely manner. They went above and beyond to make sure I was taken care of. I felt they appreciated my business.

- TASHA B. Experience.com verified costumer

Newman, CA
Nov 9, 2021

Working with Charles and Alyssa was absolutely amazing. They made everything easy and kept us up to date and status during the entire process. Was always prompt to answer questions and very knowledgeable during the process. So glad we choose them to work with.

- Teresa C. Experience.com verified costumer

Tracy, CA
Nov 9, 2021

Charles & Monica were very patient and thorough at answering my questions. That's no small thing with so many questions. Everything went smoothly. I felt Charles cared about me as a person, not just a client, so it was about working out what was best for my needs.

- Kathi K. Experience.com verified costumer

Manteca, CA
Feb 19, 2022

The communication is wonderful, happy people. Charles, Monica & Alyssa are wonderful.

- Dana R. Experience.com verified costumer

Manteca, CA
Jan 18, 2022

The communication, professionalism and knowledge was top notch!

- Andy F. Experience.com verified costumer

Indio, CA
Nov 9, 2021

To be honest my first experience buying a house has been very smooth. Thanks to Charles and his team everything went through fast and within 30 days. I am very happy with my purchase. Thank you

- Andres F. Experience.com verified costumer

Modesto, CA
Nov 9, 2021

Charles and his team were a pleasure to work with. They were given a task with this loan that we could not find anyone else with the knowledge or the product that he had and his team far surpassed our expectations!!

- Jennifer W. Experience.com verified costumer

Tracy, CA
Nov 9, 2021

Communication with the whole team

- Regina T. Experience.com verified costumer

Stockton, CA
Nov 9, 2021

I appreciate the support and communication from Monica.

- Deanne F. Experience.com verified costumer

Ripon, CA
Feb 10, 2022

This was the second time using the service. Charles makes the experience quick and easy.

- Marc S. Experience.com verified costumer

Tracy, CA
Nov 9, 2021

The staff at Fairway was AMAZINGLY polite, EXTREMELY responsive, and always assured us that the process would end well. We needed that assurance and they ALWAYS kept their word, did what they said they would often faster than they promised! I won't use anyone else and won't recommend anyone else besides Fairway!

- Damian M. Experience.com verified costumer

Oakdale, CA
Jan 23, 2022

Charles was very knowledgeable and his experience was reassuring as a first time buyer. There is nothing I would change about my great experience buying a home with Charles Sterni!

- Lucas G. Experience.com verified costumer

Manteca, CA
Nov 9, 2021

The calls and information.

- Lachelle W. Experience.com verified costumer

Rio Vista, CA
Nov 9, 2021

This experience was awesome from start to finish. I had to up my credit score a bit and they told me exactly how. And it worked, the girls Veronica and Allsya were also so caring helpful always answered our calls and never made us feel like we were pests. I've already recommended Fairway to my sister. Great Job couldn't be more pleased.

- Dana R. Experience.com verified costumer

Manteca, CA
Nov 9, 2021

Charles and his team are the best !!!! Always communicate well and help us through the entire process. I always recommend Charles and his team to all my friends!! Thanks again Charles ur the best!!!

- Isaac H. Experience.com verified costumer

Manteca, CA
Nov 9, 2021

Communication was amazing abs everyone was helpful answer all my questions

- Yaquiline Z. Experience.com verified costumer

Manteca, CA
Dec 22, 2021

Charles and Monica were absolutely professional but at the same time personal and made me feel really comfortable to go to them with any/all my questions. They had great communication and were always quick to respond.

- Savoeung B. Experience.com verified costumer

Stockton, CA
Dec 4, 2021

Charles is very well experienced and helped me and guided me step-by-step on day-to-day basis . Charles was there with me from beginning of the loan process to till the end of the loan closure. Charles and his team are very helpful and supportive on every single step . Apart from Business point of view, Charles is very well understood my family concerns and acted and helped accordingly . This is really heart touching to me. His experience in the entire process will be a great asset to any organization. Well Done Charles. I will be in touch . And I will definitely refer my friends who are in need of similar services. Regards, -Ramesh

- RAMESH C. Experience.com verified costumer

Tracy, CA
Nov 9, 2021

Very professional and honest..has great attitude.His team is very professional and courteous and on top of it GREST JOB TEAM!!! They took very good care of us during the process…thank you again keep up the GREAT work!

- Burke M. Experience.com verified costumer

Lathrop, CA
Nov 9, 2021

Everything without a glitch. Commutation was great. Highly knowledgeable would recommend to a friend

- Juan F. Experience.com verified costumer

Stockton, CA
Nov 9, 2021

Made me feel like a dear friend and not another number on paper. Everything was so easy and convenient that all I needed was my phone. I never had to go to an office and signed paperwork. He took the hassle out of the loan process.

- Eduardo P. Experience.com verified costumer

Lathrop, CA
Nov 9, 2021

Charles and his team made the refinance effortless and quick. I would highly recommend there service!

- Michael P. Experience.com verified costumer

Lathrop, CA
Dec 19, 2021

This is my second time working with Fairway, I receive exceptional service, they move quickly and get the job done. I wasn't stressed, worried or upset about a thing. I spread the word every time my family or friends mention refinance or purchase. AGAIN, thank you to the Fairway Team!

- Dana R. Experience.com verified costumer

Manteca, CA
Nov 9, 2021

How fast and efficient everything was and how kind and friendly

- Tristen T. Experience.com verified costumer

Manteca, CA
Nov 9, 2021

Charles and his team were great! Really made our first home buying experience easy!

- Katherine K. Experience.com verified costumer

Tracy, CA
Nov 9, 2021

Charles is a fantastic loan officer. He is professional and works hard to make sure I felt comfortable the entire process. Him and his team are the best in the business. I recommend him to help you with your loan.

- Brandon H. Experience.com verified costumer

Manteca, CA
Nov 9, 2021

Help us through the process and got the price we like for the monthly and down payment for the house

- Raff M. Experience.com verified costumer

Patterson, CA
Nov 9, 2021

Great customer service.

- Ana M. Experience.com verified costumer

Lathrop, CA
Nov 9, 2021

Charles was very helpful in all ways of refinancing and including my Insurance and property taxes.

- Irene H. Experience.com verified costumer

Modesto, CA
Nov 9, 2021

Communication and making it happen

- Donavon C. Experience.com verified costumer

Newman, CA
Mar 19, 2022

Charles and the whole Fairway Team were incredible. When I started this process, I was honest with Charles in regards to what I have available and my current situation. Charles at "ALL" times kept that in mind. I wasn't caught of guard by any suprise fees, I was well aware at all times what was expected and what the next step of the process was.

- Jody P. Experience.com verified costumer

Stockton, CA
Nov 9, 2021

The process was quick and smooth.

- Mark D. Experience.com verified costumer

Tracy, CA
Nov 9, 2021

Definitely would use Charles & his team again. They kept me informed, answered all my questions and explained the process of my refi in terms I could understand. Great experience overall!

- Andrea A. Experience.com verified costumer

Manteca, CA
Nov 9, 2021

This is our third mortgage with Charles. All of our experiences have been informative, positive, timely, honest and fair. Everything that Charles has said he could do for us has been done, he has always over-delivered. Thanks again for the incredible service... Jeff and Nancie

- NANCIE E. Experience.com verified costumer

TRACY, CA
Nov 9, 2021

Straight forward approach, great communication and prompt response.The process was fast and easy.

- Juan R. Experience.com verified costumer

Tracy, CA
Nov 9, 2021

Communication and my best interest is key and the whole Fairway staff delivered that. Thank you for making this experience GREAT!

- Victoria E. Experience.com verified costumer

Stockton, CA
Nov 9, 2021

Personal attention that he and his staff gives every client.

- Donald S. Experience.com verified costumer

Stockton, CA
Mar 14, 2022

Friendly and on top of things

- Robin G. Experience.com verified costumer

Tracy, CA
Nov 9, 2021

Charles was very kind and made the process enjoyable.

- Michelle A. Experience.com verified costumer

Turlock, CA
Mar 14, 2022

A very comforting process with all the staff. Always able to answer any questions. During the process the staff would keep you up to date with where everything was. Such great people.

- Anthony M. Experience.com verified costumer

Tracy, CA
Mar 20, 2022

Very responsive and helped with any questions we had

- Cassandra W. Experience.com verified costumer

Escalon, CA
Nov 9, 2021

Very friendly and helpful staff , quick and easy loan process

- Daniel L. Experience.com verified costumer

Tracy, CA
Nov 9, 2021

Charles and his team were always communicated with me every step of the way. This process can be stressful but they made it such an easy process. Thank you so much for all your help. Charles is the best lender.

- Nicole H. Experience.com verified costumer

Manteca, CA
Nov 9, 2021

His staff was friendly and kept me updated and answered all my questions fast. If I needed help I could call or text Charles and he would get back to me immediately. Great customer service.

- Larry D. Experience.com verified costumer

Tracy, CA
Nov 9, 2021

Charles and his team were amazing. Fast, easy to work with and helped my husband and I close our home stress free. We are so very thankful for Charles!

- Jessica H. Experience.com verified costumer

Tracy, CA
Jan 28, 2022

Very prompt communications throughout the entire process.

- Theresa S. Experience.com verified costumer

Tracy, CA
Dec 15, 2021

The fast service and answered every question we had. Very pleased 😀

- Glen M. Experience.com verified costumer

Redding, CA
Nov 9, 2021

Awesome customer service! They handled everything, were always in communication, and made the process super easy. I would use them again in a heartbeat!

- Danielle N. Experience.com verified costumer

Fairfield, CA
Nov 9, 2021

Charles and his team are very responsive and helpful.

- Andrew O. Experience.com verified costumer

La Quinta, CA
Nov 9, 2021

Charles was very informative and quick to communicate. Thank you!

- Camylle S. Experience.com verified costumer

El Dorado Hills, CA
Nov 9, 2021

Charles and his assistant were always available and willing to answer all our questions and concerns

- Erica H. Experience.com verified costumer

Manteca, CA
Nov 9, 2021

I felt like Charles did everything he could to get us the best rate. His team did a great job getting information to me and there was a fast response when we had questions or concerns.

- Jeremy J. Experience.com verified costumer

Manteca, CA
Nov 9, 2021

The ability to sign most of the documents online is AMAZING.

- Elvino F. Experience.com verified costumer

Ripon, CA
Feb 9, 2022

Well Charles and his team kept us from being homeless and got us into a home within days of starting the process. And everybody was extremely friendly and very nice to work with.

- Michael H. Experience.com verified costumer

Tracy, CA
Jan 30, 2022

very patient and persistent in getting the loan done

- Stephen P. Experience.com verified costumer

Manteca, CA
Nov 9, 2021

This is the second time i worked with Charles. He has been great both times excellent service given

- Sarah S. Experience.com verified costumer

Lathrop, CA
Nov 9, 2021

Charles and his staff are really professional and they remain close, helpful and informed for you through out the whole process. As a first time buyer, there was so much I did not know. Charles, Veronica, Ashley and others were there for me especially during unsure and stressful moments and they taught and put together and truly wonderful deal and experience!

- Bryan C. Experience.com verified costumer

Tracy, CA
Nov 9, 2021

Effective communication. Ability to help when I didn't understand something. Available when needed. Kind and courteous, all the way around.

- Olivia L. Experience.com verified costumer

Stockton, CA
Nov 9, 2021

Was easy and done quick with no time wasted

- Seth B. Experience.com verified costumer

Modesto, CA
Nov 9, 2021

100 Total Reviews
Average Rating ★ 4.94

About Us

Whether you’re looking to buy, build or refinance your home, our experienced mortgage professionals are here to help. Here at Fairway Independent Mortgage Corporation, we offer a variety of loan options that can help you achieve homeownership with the speed and service you deserve. Plus, our mortgage professionals are dedicated to finding the right loan with great rates, terms and costs to meet your specific needs. 
 
Financing a home is one of the biggest commitments you will ever make - let us help guide you throughout the entire loan process from application to closing and beyond. We look forward to putting our mortgage service to work for you!

Branch Employees

Charles Sterni 2

Charles Sterni

Area Manager
NMLS# 396599
frances jarvis headshot

Frances Jarvis

Loan Officer
NMLS# 683109