Randy Fergus

Randy Fergus, Senior Loan Officer Manager — NMLS #1816236

Randy Fergus is Fairview Lending’s senior loan officer manager (NMLS #1816236) and works from the company’s Estero branch, serving Estero, Bonita Springs, Naples and the rest of Florida. Randy brings more than 30 years of experience in finance and customer service, and he is dedicated to making each client’s home buying experience a positive one.

Loans Randy can help you with

Every Fairview Lending loan officer originates the full range of programs below. Randy takes your application, then places the loan with the wholesale lender that best fits your goals, credit, income and property.

• VA and military loans — zero down and no monthly mortgage insurance for eligible veterans, active-duty service members, Guard and Reserve members and surviving spouses. Randy orders the Certificate of Eligibility and manages the VA appraisal. Existing VA borrowers can lower their rate with a VA IRRRL streamline refinance.
• Self-employed and bank statement loans — qualify on 12 or 24 months of business or personal bank deposits instead of tax returns, a good fit for business owners, 1099 contractors and anyone whose write-offs lower their taxable income. See buying a home when you’re self-employed.
• FHA loans — 3.5 percent down with flexible credit guidelines.
• Conventional loans — as little as 3 percent down for qualified first-time buyers.
• USDA loans — 100 percent financing in eligible areas.
• Jumbo loans for higher-priced and waterfront homes.
• First-time buyer loans and Florida Housing down payment assistance, including Hometown Heroes.
• Construction-to-permanent and FHA 203(k) renovation loans.
• DSCR investor loans, foreign national loans and condo financing, including non-warrantable buildings.
• Reverse mortgages (HECM) for homeowners 62 and older.
• Refinancing and cash-out refinancing.

Questions about working with Randy

Can Randy Fergus help me with a VA loan?

Yes. Randy originates VA loans for eligible veterans, active-duty service members, National Guard and Reserve members and surviving spouses anywhere in Florida, including zero-down purchases and VA IRRRL streamline refinances.

Can Randy Fergus help if I’m self-employed?

Yes. Randy originates bank statement loans that qualify you on 12 or 24 months of deposits instead of tax returns, along with conventional and FHA options for self-employed borrowers with two years of returns.

What is Randy Fergus’s NMLS number?

Randy Fergus’s individual NMLS number is 1816236. Randy originates loans for Fairview Lending Inc, NMLS #230610. You can verify both at nmlsconsumeraccess.org.

Does Randy Fergus lend outside Southwest Florida?

Yes. Fairview Lending is licensed throughout Florida, so Randy can help buyers and homeowners anywhere in the state.

How does working with Randy through a broker help me?

Fairview Lending originates your loan and places it with the wholesale lender whose program, pricing and guidelines best fit your situation, so you are not limited to one bank’s products.

Can Randy review a pre-approval I already have?

Yes. Upload a pre-approval or Loan Estimate from any lender on our free second-opinion page and Randy will review it at no cost and no obligation.

Ready to talk? Call Randy at (239) 318-5274, apply online with Randy, or get a free second opinion on another lender’s offer.

Randy Fergus, NMLS #1816236 · Fairview Lending Inc, NMLS #230610 · 1425 Del Prado Blvd S, Cape Coral, FL 33990 · Equal Housing Opportunity.