Branch Manager & Team Lead Oliver White NMLS #1254113
Oliver leads the team on a simple conviction: the mortgage is the vehicle, not the point — the point is the family on the other side of it.
Fairway's #1 Individual Loan Officer · 2025
Fairway Home Mortgage · Twin Cities, MN
Home loans done the right way.
It's not about the loans we do — it's about the hearts we change and the people we help.
Why the Oliver White Team
A whole team behind your loan — not just a loan officer.
Buying or refinancing a home is one of the biggest financial moves you'll ever make. Our team pairs some of the fastest turn times in the industry with real, human guidance at every step — from your first question to the keys in your hand. Whether you're a first-time buyer, a growing family, a Veteran, or an investor, there's a person here whose whole job is to make your loan feel simple.
Loan Programs
The right loan for wherever you are
A full menu of options, matched to your goals — not the other way around. Every program has its own plain-English page.
First-Time Homebuyer
Low-down-payment paths, down-payment assistance options, and step-by-step guidance built for people buying their very first home.
Learn more →Conventional
Flexible, competitive financing for primary homes, second homes, and investment properties — with as little as 3% down for qualified buyers.
Learn more →FHA
Government-backed loans with flexible credit guidelines and low down payments — a strong fit for many first-time and move-up buyers.
Learn more →VA
Zero-down financing and no monthly mortgage insurance for eligible Veterans, active-duty service members, and surviving spouses.
Learn more →USDA Rural
100% financing for eligible homes in qualifying rural and suburban Minnesota communities.
Learn more →Jumbo
Financing above conforming limits for higher-priced homes, structured around your full financial picture.
Learn more →Refinance
Lower your rate, shorten your term, or tap equity with a cash-out refinance — reviewed against your current loan so it only makes sense if it makes sense.
Learn more →Renovation & New Construction
Roll improvement or build costs into one loan so you can buy the home you want and make it exactly right.
Learn more →Free Resources
Everything we know, free — no email gate
The knowledge that makes you a stronger buyer, published in full. Guides, interactive checklists, calculators, and a plain-English glossary — all private, nothing collected.
Guides
Pre-approval, down payments, credit, closing costs, and more — explained the way we'd explain them on the phone.
Start reading →Checklists
Five interactive checklists covering the whole journey. Progress saves privately on your device.
Open a checklist →Calculators
Payment, affordability, DSCR, refinance break-even, and payoff — all running privately in your browser.
Run the numbers →Glossary
Every term you'll hear during your loan, translated into normal human language.
Decode the jargon →Meet the Team
Real people, in your corner
Nine specialists — lending, operations, production, and marketing — working together so nothing about your mortgage falls through the cracks.
How It Works
Four steps to your front door
01
Get Pre-Approved
A quick conversation and a few documents put a real, lender-backed number in your hands — so you shop with confidence and negotiate from strength.
02
Find Your Home
Shop within your pre-approval, make a strong offer, and lean on our team and your agent to get to an accepted purchase agreement.
03
Process & Underwrite
Our production team builds your file right the first time and shepherds it through underwriting, keeping you posted at every milestone.
04
Close With Confidence
Final numbers, final signatures, keys in hand. Some of the fastest turn times in the industry, without the last-minute surprises.
Calculators
Run your own numbers
Estimate a monthly payment, see what you might afford, or check a rental's DSCR — then let's turn the estimate into a real plan.
Estimated monthly payment
$0
Principal & interest$0
Taxes & insurance$0
Loan amount$0
Estimated home price you may afford
$0
Max total housing payment$0
Est. loan amount$0
Assumes T&I ~ 1.1%/yr of price
Debt-Service Coverage Ratio
0.00
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Monthly rent (income)$0
PITIA (debt service)$0
Estimates only — not a quote, pre-approval, or commitment to lend. Actual figures depend on credit, program, property, and market conditions. Talk to a licensed loan officer for numbers specific to you.
Locations
Two offices, one Twin Cities team
Primary Office
Eden Prairie, MN 55344
Eden Prairie
7500 Flying Cloud Drive, Suite 900Eden Prairie, MN 55344
Good to Know
Questions, answered
How much do I need for a down payment?
Less than most people think. Many buyers qualify for conventional loans with as little as 3% down, FHA at 3.5%, and VA or USDA loans at 0% down for those who are eligible. We'll walk through the options that fit your situation.
How long does the mortgage process take?
Timelines vary with your situation and the market, but our team is known for some of the fastest turn times in the industry. Getting pre-approved early is the single best way to keep things moving quickly.
What credit score do I need to buy a home?
There's no single magic number. Different loan programs have different guidelines, and we work with a range of credit profiles. The best first step is a conversation so we can look at your full picture together.
Do you offer services in Spanish?
Yes. Our bilingual Production Partner, Aleida Galvan, guides Spanish-speaking clients through every step of the mortgage in Spanish. Sí — ofrecemos servicio completo en español.
Should I refinance my current mortgage?
Only if the numbers work in your favor. We'll compare a new loan against your current one — rate, term, costs, and break-even — and give you a straight answer, even if that answer is "not yet."
Can I get pre-approved before I find a house?
Absolutely, and you should. A pre-approval tells you exactly what you can afford and shows sellers you're a serious, ready buyer. It's free to start and puts you in control.
Let's Talk
Ready when you are.
Tell us a little about your goals and the right person on our team will reach out — no pressure, no obligation. Prefer to talk now? Call (952) 412-5428.