Mortgage Loans
10 Do’s and Don’ts of the Mortgage Process

Many times we find our clients are poorly positioned to qualify for a loan with the best possible rate. That’s why it’s vitally important to meet with a qualified, experienced Mortgage Broker before starting your home search.

Here’s 10 steps to prepare yourself:


Don’t apply for new credit of any kind.


Do keep all credit card accounts open.


Don’t MAX OUT or overcharge existing credit cards.


Do maintain your employment at your current job.


Don’t consolidate debt to one or two cards.


Do pay off collections, judgments, or tax liens reported within one year.


Don’t make any large purchases.


Do stay current on your existing accounts.


Don’t make any large deposits into any of your accounts.


Do call. We are here to help you through this process.
We partner with the best in the business…

When it comes to buying or refinancing a home, it is nice to know that someone is looking out for your best interests. Realty ONE Group wants all of our clients to experience the best service. That is why we partner with the best in the business.

Whether you need advice on the size of a loan, are investigating the best way to finance a project, or are seeking the lowest interest rates, FAIRWAY INDEPENDENT MORTGAGE CORPORATION is there for you every step of the way.

FAIRWAY INDEPENDENT MORTGAGE CORPORATION has earned a reputation for putting their clients first. That’s why no matter how large or small a loan you’re looking for, they will be able to assist you and guide you through the details. Use the contact form below to reach out to the FAIRWAY INDEPENDENT MORTGAGE CORPORATION Loan Team:

Guy Benjamin

NMLS ID: 887909


Guy Benjamin began his mortgage career in 1987. His expertise and experience in real estate finance has established him as one of the Bay Areas leading experts in the field of real estate finance.

Guy started his mortgage career as a loan officer with Advent Mortgage. He quickly moved up in the ranks and became a partner with Advent. Guy’s leadership in Advent’s sales and marketing efforts helped establish them as a prominent lender in the mortgage marketplace.

Guy decided to leave Advent in 2007 to head up Bank of America’s San Francisco Bay Area Reverse Mortgage Team.

In 2012 as the housing crisis was winding down, Guy made a decision to return to his roots as a mortgage loan originator so he could return to his passion of educating and assisting borrowers. He uses his expertise to assist borrowers in all aspects of the mortgage process. His philosophy is to be educator first, with a strong conviction that if the consumer is armed with the best information available they can make better decisions as it relates to the financing of their home. Whether it is a young couple starting out with their first home or an elderly couple seeking income from their home with a reverse mortgage, Guy applies his unique approach to expertly guide them through the complexities of the process.

Guy was honored to receive the Affiliate of the Year award from the Solano Association of Realtors in 2014. Guy’s expertise has been called on over the years to serve on numerous boards, be a featured speaker at National Mortgage organization conventions, and to write a weekly Real Estate column for the Benicia Herald. During his down time Guy enjoys racing on sailing yachts and just about anything that brings him near the water.

Silvia Venegas

Sr Loan Officer
NMLS ID: 360720



Silvia is a Senior Mortgage Loan Officer with 14+ years of experience. She has closed over $500M in loans and has improved the lives of thousands of families by helping them purchase a home, save money and build equity. She possesses advanced knowledge of the end-to-end mortgage process and a particular expertise in the operational side of the mortgage industry having recently served as Branch Operations Manager for a leading mortgage company.

Global perspective:
Fluent in Spanish and English. Skilled at relationship building, adept at promoting customer service excellence to drive sales growth.

Signature strength: Mortgage Loan Officer: Entrepreneurial spirit ♦ Revenue generation ♦ Negotiations ♦ Recruitment/Hiring ♦ Leadership & Development ♦ Customer Service ♦ Client Profiling ♦ Referral Sourcing ♦ Loan Application Processing

•  Certified Public Accountant (CPA); inactive
•  Licensed Real Estate Broker (CA)
•  Licensed with the Nationwide Mortgage Licensing System Registry (NMLSR)

BS Business Administration, Accounting Specialization, California State University East Bay

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