Appraisal came in low
Gap strategies, structure changes, and a second look at the comps before anyone walks.
Deal rescue line · Same-day review
Deal falling apart somewhere else? Send it our way.
When a buyer's financing dies at another lender, you don't need a pep talk — you need someone to look at the actual file today and tell you the truth. That's what this line is for.
Same dayScenario review
In-houseUnderwriting & funding
#1Fairway LO nationwide, 2025
ZeroDocuments through this site
Mercedes Forslund & Oliver WhiteIntake · Originator, NMLS #1254113
What we rescue
The six ways a clean deal dies — and what we check first
Most "declines" are really a mismatch between one lender's box and this buyer's file. A different box, a different structure, or a different read of the income changes the answer more often than you'd think.
DTI blew up in underwriting
Different program, different income math, or a restructure that gets the ratios back in line.
Self-employed income denied
Bank-statement, 1099, P&L, and asset-based options when the tax returns don't tell the whole story.
Condo or property won't qualify
Non-warrantable condos, rural, acreage, mixed-use — we check what the first lender didn't.
Lender went dark before closing
When the file is stuck and nobody is answering, we take it over and run it to the finish.
Credit or program surprise
A score dip, a disputed account, a program that got pulled. There is usually another path.
How it works
Three steps. No forms. No runaround.
01
Text Mercedes the situation
Two sentences is enough: what the deal is, what went wrong, and when it needs to close. No documents yet.
02
Oliver reviews it the same day
Mercedes sends a secure Fairway upload link if we need the file. Oliver looks at the actual numbers — not a guess.
03
You get a straight answer
Yes, no, or here's-how. If we can save it, we tell you the plan and the timeline. If we can't, we tell you that too.
What to send
Two sentences gets it started
You don't need to write a novel. Text Mercedes the shape of the problem and we'll ask for what we need.
- Purchase price, loan amount, and loan type they were inConventional, FHA, VA, USDA, jumbo — or "not sure" is fine.
- What the other lender said went wrongAppraisal, income, DTI, credit, property, or "they stopped answering."
- The closing date and whether the financing contingency has expiredTells us how fast we have to move and whether we need the listing agent's cooperation.
- Whether an appraisal has already been completedA transferable appraisal can save a week.
- Do not send documents, SSNs, or credit reports through this siteThis site collects nothing. Mercedes will send a secure Fairway upload link if we need the file.
Mercedes ForslundFairway · Business Development
Hey Mercedes — my buyers just got declined 9 days before closing. Appraisal came in $18k low and their lender says the DTI doesn't work anymore. Any chance?
Yes — send me the closing date and what loan type they were in. I'm getting it in front of Oliver now.
Conventional, 5% down, closing the 21st. Contingency expired last week.
Oliver here. I see two possible structures. Sending Mercedes a secure upload link for the file — if the income is what the LE suggests, we can talk about the 21st tonight.
The team
Who's actually on the other end
Intake · First response
Mercedes Forslund
Business Development Manager for the Oliver White Mortgage Group. Mercedes is the fastest way to reach the team — she triages the situation, gets the right information to Oliver, and keeps you updated while the file moves. She is not a loan officer and does not discuss loan terms.
Originator · NMLS #1254113
Oliver White
Branch Manager · Loan Officer, Fairway Home Mortgage, Eden Prairie. Oliver personally reviews every rescue scenario and originates the loan. Licensed in Minnesota, Wisconsin & Iowa.
- #1 loan officer in Minnesota by volume (Modex)
- Fairway's #1 individual producer nationwide, 2025
- Multi-year Scotsman Guide Top Originator
FAQ
Straight answers before you text
How fast can you really look at a deal?
Same business day in almost every case. Text Mercedes with the basics and Oliver reviews the scenario personally. If the file is already documented, we can usually tell you within hours whether there is a path.
Can you still hit my closing date?
Often, yes — but we will not promise a date until we have seen the file. Fairway underwrites and funds in-house, which is what makes a short runway realistic. Once we know the situation, we give you a real timeline, not a hopeful one.
What if the buyer already has an appraisal?
In many cases a completed appraisal can be transferred to Fairway, which saves time and money. Oliver will tell you whether a transfer works for the specific loan type.
Does the buyer have to start over?
They re-apply with Fairway, but we work from what already exists. Much of the documentation they gathered can be reused, and we move in parallel instead of in sequence.
Will this cost the buyer anything to find out?
No. Looking at the scenario is free. Normal loan costs apply only if the buyer chooses to move forward with Fairway, and those are disclosed up front.
Do I send documents through this site?
Never. This site collects nothing. After you text or email Mercedes, she sends a secure Fairway upload link for anything that contains personal information.
Who is actually originating the loan?
Oliver White, NMLS #1254113, Branch Manager at Fairway Home Mortgage in Eden Prairie. Mercedes is the fastest way to reach the team; Oliver is the licensed loan officer on the file.
The line is open
Don't let the deal die quietly.
Text Mercedes right now. If there's a path, Oliver will find it today. If there isn't, you'll know today — and that's worth something too.
Save this page. Forward it to the agent on the other side. The next one might be theirs.