Nate Moghadam Nate Moghadam  ·  Fairway Independent Mortgage  ·  NMLS #906770

Your Home Loan,
Done Right.

Helping buyers, homeowners & agents win across 14 states for 10+ years. FHA  ·  Conventional  ·  VA  ·  Jumbo  ·  Non-QM.

Start Your Pre-Approval Book a Free Call
Licensed in 14 States
10+ Years Experience
5-Star Rated
10+ Years Experience
14 States Licensed
5★ Rated

Loan Programs

  • FHA — down to 3.5%
  • Conventional — down to 3%
  • VA — 0% down for veterans
  • Jumbo — high-value properties
  • Non-QM — self-employed & investors
Get Pre-Approved

No obligation  ·  Takes ~10 minutes

10+
Years of Experience
14
States Licensed
5
Loan Programs
5★
Client Rating
Nate Moghadam Nate Moghadam Mortgage Loan Officer Fairway Independent Mortgage
  • NMLS #906770
  • Licensed in 14 States
  • 10+ Years Experience
  • 5-Star Rated
(617) 945-3632 nate@nateloans.com
Verify license at NMLS Consumer Access
About Nate

A Lender You Can
Actually Reach

I'm Nate Moghadam, a mortgage loan officer with Fairway Independent Mortgage Corporation. For over 10 years, I've been helping first-time buyers, repeat buyers, homeowners, and real estate agents navigate the mortgage process with clarity and confidence.

Unlike the big banks, you get me — someone who picks up your calls, responds to your texts, and explains what's happening at every step. Whether you're buying your first home or your fifth, I'm here to find the right loan and get it closed.

Always Accessible Call or text me directly — no call centers, no voicemail loops
Nationwide Coverage Licensed in 14 states from Massachusetts to California
Wide Product Range FHA, Conventional, VA, Jumbo & Non-QM — I'll find your fit
Call Nate Email Nate
Loan Programs

Find the Right Loan for You

Every buyer's situation is different. I'll help you find the loan that makes the most sense for your goals and finances.

FHA Loans

Great for first-time buyers. Lower credit score requirements and down payments as low as 3.5% — a popular path to homeownership.

  • Down payment from 3.5%
  • Flexible credit requirements
  • Government-backed security
Learn About FHA

Conventional Loans

The most flexible option for borrowers with solid credit. Competitive rates, no upfront mortgage insurance premium, and wide property eligibility.

  • Down payment from 3%
  • No upfront MIP
  • PMI removable when eligible
Learn About Conventional

VA Loans

Exclusively for veterans and active-duty military. Zero down payment, no PMI, and highly competitive rates — because you've earned it.

  • 0% down payment
  • No private mortgage insurance
  • Competitive VA interest rates
Learn About VA

Jumbo Loans

Financing high-value properties that exceed conforming loan limits. Personalized solutions for luxury homes and high-cost markets.

  • Above conforming loan limits
  • Competitive jumbo rates
  • Flexible underwriting options
Learn About Jumbo

Non-QM Loans

Self-employed? Investor? Unique income situation? Non-QM loans offer flexible qualification when traditional programs don't fit your profile.

  • Bank statement programs
  • Investor cash flow loans
  • ITIN & alternative doc options
Learn About Non-QM

Not sure which loan is right for you?

Book a Free 15-Minute Call
Free Tools

Mortgage Calculators

Run the numbers before you call. These estimates help you plan — for your actual rate, book a free call with Nate.

$
$
Est. Monthly Payment
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Principal & Interest —
Est. Property Tax —
Est. Home Insurance —
Est. PMI —
Total Loan Amount —
Get My Real Rate

Estimates only. Taxes & insurance vary by location.

$
$
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Comfortable Home Price
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—/mo
Max Home Price —
Max Monthly P&I —
Comfortable Loan Amount —
Est. Loan Type —
Down Payment —
Start Pre-Approval

Comfortable ≈ 70% of max loan (~35% DTI). Max = 50% DTI. Taxes & insurance estimated by state. Actual qualification varies.

Simple Process

From Application to Keys

Getting a mortgage doesn't have to be stressful. Here's how working with me looks.

01

Book a Free Call

We'll spend 15 minutes talking through your goals, timeline, and finances. No pressure, no sales pitch — just clarity.

Schedule now
02

Get Pre-Approved

Apply online in minutes. I'll review your file, find the best loan for your situation, and issue a solid pre-approval letter fast.

Apply now
03

Close with Confidence

I'll guide you through every step — from offer acceptance to closing day. You'll always know exactly where your loan stands.

Call Nate
Start Your Pre-Approval Book a Call First
Coverage

Licensed in 14 States

Wherever you're buying, I'm probably licensed there.

CACalifornia
COColorado
FLFlorida
MEMaine
MDMaryland
MAMassachusetts
NHNew Hampshire
NJNew Jersey
NCNorth Carolina
PAPennsylvania
RIRhode Island
TNTennessee
TXTexas
VAVirginia

Don't see your state? Reach out — we have trusted partners in every state.

Client Reviews

What Clients Are Saying

5.0

Consistently 5-star rated by buyers, homeowners & agents across 14 states. Don't take my word for it — read what real clients have to say.

Read Reviews on Google

"I had an outstanding experience working with Nate. From start to finish, he demonstrated exceptional professionalism, clear communication, and genuine care for making the process as smooth as possible. Nate's attention to detail made what could have been a stressful process feel seamless. I highly recommend him to anyone looking for a knowledgeable and reliable loan officer."

MS
Michael SmithGoogle Review

"Nate was friendly, professional, prompt, and informative. He proved to be trustworthy being able to close on time given a limited time frame when there wasn't room for error. Highly recommend!"

LF
Lozada FamilyGoogle Review

"We had a fantastic experience working with Nate throughout our mortgage process. His dedication and proactive approach ensured that everything stayed on track and that our mortgage was approved on time. He made a stressful process feel much more manageable. Highly recommend working with Nate!"

CT
Chetan ThakreGoogle Review
Stay Connected

More Ways to Learn & Connect

Free resources to help you become a smarter buyer and homeowner.

Nate's Weekly Market Email

Get Nate's weekly breakdown of mortgage rates, market trends, and homebuying tips — delivered to your inbox, free.

YouTube

Watch videos on the homebuying process, rate updates, and mortgage Q&As.

Watch Now

Instagram

Quick tips, market updates, and client wins — follow along @nateloans.

Follow @nateloans

TikTok

Short, no-fluff mortgage content for the modern homebuyer.

Watch @nateloans
Let's Talk

Ready to Get Started?

Whether you're buying, refinancing, or just exploring your options — I'm here.

Send Nate a Message

Tell Nate about your situation — he'll follow up directly, usually within a few hours.

Quick Answers

Frequently Asked Questions

The questions Nate gets most often — answered straight.

Nate offers five core mortgage programs through Fairway Independent Mortgage: FHA loans (as low as 3.5% down), Conventional loans (as low as 3% down), VA loans (0% down for eligible veterans and active-duty military), Jumbo loans for high-value properties above conforming limits, and Non-QM loans for self-employed borrowers, investors, and those with unique income documentation needs.
Nate is currently licensed in 14 states: California, Colorado, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, North Carolina, Pennsylvania, Rhode Island, Tennessee, Texas, and Virginia. If you're in a different state, reach out — he has trusted partners he can connect you with.
Pre-qualification is a quick, informal estimate of what you might be able to borrow based on self-reported information — no credit pull required. Pre-approval is a formal review of your income, assets, and credit that results in a written letter from the lender. In competitive markets, sellers expect pre-approval, not just pre-qualification. Nate issues solid pre-approval letters that carry real weight with listing agents.
It depends on the loan type. FHA loans can go as low as 580 (3.5% down) or even 500 (with 10% down). Conventional loans typically need 620 or higher, with the best rates at 740+. VA loans have no official minimum, though most lenders look for 620+. If your credit needs improvement, Nate can walk you through a plan to get there — book a free call to talk it through.
Less than you might think. Minimum down payments by loan type: VA loans — 0% (for eligible veterans), FHA loans — 3.5%, Conventional loans — 3% (for first-time buyers) or 5% (repeat buyers). Putting 20% down eliminates PMI on conventional loans, but it's absolutely not required to buy a home. Nate will help you figure out the right number for your situation.
Non-QM (Non-Qualified Mortgage) loans are designed for borrowers whose income or financial situation doesn't fit the standard documentation requirements of conventional, FHA, or VA loans. They're popular with self-employed borrowers who use bank statements instead of tax returns, real estate investors who qualify on rental income, and borrowers with ITIN numbers or alternative documentation. Nate is well-versed in Non-QM programs — book a call if this sounds like your situation.
The typical closing timeline from accepted offer to closing is 30–45 days. Pre-approval — your most important first step — can happen in as little as 1–2 business days once you submit your application. Nate works quickly and communicates proactively with all parties to avoid delays. He's known for getting deals done on time, which real estate agents especially appreciate.
Two easy options: 1) Apply for pre-approval online — takes about 10 minutes and you'll hear back fast. 2) Book a free 15-minute call — if you'd rather talk through your situation first, pick a time that works and Nate will call you. No pressure, no sales pitch — just clarity on your options.