Fairway Home Mortgage · western Wisconsin
Home loans,
close to home.
Buying a home in western Wisconsin comes with a hundred questions — and none of them are dumb. Text Kayla, get a straight answer in plain English, and see what you actually qualify for, all before you ever touch an application.
Kayla Hillman · Loan Officer · NMLS #2816984 · Licensed in Wisconsin
Kayla Hillman
Fairway Home Mortgage
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loan programs, explained
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text to get started
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forms, trackers or cookies
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dumb questions
Meet Kayla
A loan officer who knows your zip code, not just your file.
Kayla Hillman is a Fairway Home Mortgage loan officer on the Lending Lakes & Co team, serving buyers across western Wisconsin. She works best with the people this industry tends to rush: first-time buyers, growing families, and anyone who wants every number explained before they sign anything.
Her approach is simple — answer the question you actually asked, show you every program you qualify for side by side, and stay reachable from the first text to the closing table.
Your first step, close to home
From “just looking” to keys in hand — here’s how it goes.
Text Kayla
One message. Tell her what you’re thinking — a town, a price range, a “no idea yet” is fine.
Get a real number
A quick conversation about income, credit and savings turns into an honest budget — not a sales pitch.
Pre-approval, done
Kayla gets your pre-approval letter ready so your offer carries weight in a tight western Wisconsin market.
Keys, close to home
From accepted offer to closing table, you get updates at every milestone — in plain English.
Loan programs
Every option, in plain English.
Seven programs, no jargon. If you don’t know which one is yours yet — that’s exactly what Kayla is for.
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Learn more →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Learn more →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Learn more →USDA Loans
$0 down for homes in eligible smaller communities — huge swaths of western Wisconsin qualify, and most buyers have no idea.
Learn more →Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Learn more →Down Payment Assistance
Wisconsin has real down payment help — WHEDA programs can put thousands toward your down payment and closing costs.
Learn more →Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Kayla will show you. When it doesn’t, he’ll tell you.
Learn more →No idea which one?
Totally normal. Text Kayla what you’re thinking and she’ll narrow it to the one or two that actually fit.
💬 Text Kayla →No dumb questions
The stuff nobody explains — explained.
Escrow, PMI, points, DTI, “clear to close” — the whole vocabulary, defined the way a friend would explain it over coffee. No email wall, no sign-up, just answers.
Your first step is one text away.
Tell Kayla what you’re thinking. A town, a budget, a wild idea — she’ll take it from there, in plain English, with zero pressure.