Michael Inkman

Fairway Independent Mortgage Corp.

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Michael Inkman | Fairway Independent Mortgage Corporation
5.0
Based on 103 reviews
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Lee Vanvolkenburg
15:43 23 Nov 23
Michael and his team were wonderful to deal with. They were excellent with communication and always available to answer questions. Thank you all!
williams lovos
22:54 16 Nov 23
We close on the house tomorrow! Thank you David and Michael for making my first home buying a smooth process. I had several out of the ordinary situations that would had easily not been possible to get the loan in the time that they were able to approve it. My wife and I are forever grateful for the work the team did. Thank you again!
Mario Silvestri III
16:45 16 Nov 23
Rex Perkins
16:56 15 Nov 23
Everything had been going well over the past two years since refinancing an existing mortgage. The application process, approval, servicing website, everything had been very smooth, nothing but the best service. I then had a minor issue arise. We had a wind loss claim on our home and, unfortunately, I had put off getting the check cosigned until the last minute. An issue arose as part of a minor miscommunication in terms of where the check was to be forwarded for endorsement.

To make a long story short, I feared that this miscommunication and misdirected check coupled with my procrastination were going to result in the check expiring and a huge hassle on my part to go through the process again. Mr. Inkman nor his branch were in any way involved with my account or account management, yet, the check inadvertently ended up in their draft loss department and I feared this would further delay things. I was a bit frantic.

One of those that I emailed was Mr. Inkman. In an era when customer service is not as valued as in the past, I was very skeptical I would meet the deadline. But, to my surprise, Mr. Inkman took it on his own to personally get things done and get the issue resolved. It appears that he tracked down the overnighted check personally, directed it for signature, packaged and overnighted the check back to me. All the while remaining professional and pleasant and providing consistent email updates on the status. It doesn't even look like he delegated, rather taking the initiative and seeing it through on his own.

To me, that's not just doing a job, that's going above and beyond in terms of leadership, professionalism, and customer service. We could not be more happy. And, as a further sign of good will, the Fairway CEO actually emailed me personally to follow-up and assure resolution. Been very happy with Fairway since my refinance, Mr. Inkman's efforts only further reinforce that opinion.
Samer Fallouh
15:01 15 Nov 23
Debbie Salas
21:47 03 Oct 23
This transaction probably would not have happened without Michael. Whenever we hit a stumbling block, he found a way around it! He kept us informed and was a positive light all the way through to the end and beyond.
Thanks
Eric Kieffer
22:46 16 Aug 23
Did business with Michael about 20 years ago and he was happy to help us again. He and his team did a great job. See you in another 20.

How to Finance Energy-Efficient Home Improvements with a Mortgage

July 8, 2025 by Michael Inkman

As more homeowners look for ways to reduce utility bills and make their homes environmentally friendly, energy-efficient improvements have become a smart investment. The good news is that you do not need to pay out of pocket for all the upgrades at once. There are mortgage financing options that allow you to make energy-efficient improvements while also making your home more comfortable and affordable in the long run.

One of the most common ways to finance these improvements is through an Energy Efficient Mortgage, or EEM. This type of loan is designed to help borrowers finance energy-saving upgrades as part of their home purchase or refinance. With an EEM, the cost of improvements is rolled into the total mortgage amount. This means you are not required to take out a separate loan or use a credit card to cover the cost. EEMs are available through both conventional and government-backed loan programs including FHA and VA loans.

If you are purchasing a home that needs new insulation, solar panels, or high-efficiency HVAC systems, you can include those upgrades in your initial mortgage. The lender will often require a home energy assessment to determine the projected energy savings. If the savings are greater than the cost of the improvements, it can strengthen your approval odds.

Another option is a renovation loan such as the FHA 203k or Fannie Mae’s HomeStyle Renovation loan. These programs allow borrowers to finance both the home purchase and the cost of energy-efficient upgrades into a single mortgage. This is particularly helpful for buyers interested in fixer-uppers or older homes in need of major energy-saving renovations.

For homeowners who already have a mortgage but want to upgrade, a cash-out refinance may be the right solution. With a cash-out refinance, you can access a portion of your home’s equity and use the funds to make energy-efficient improvements. While this option does increase your loan balance, the potential savings on monthly utility bills and increased home value often make it a worthwhile investment.

Many states offer local programs and incentives for energy-efficient upgrades, including rebates and tax credits. It is worth checking what is available in your area, as combining those incentives with mortgage financing can significantly reduce your out-of-pocket costs.

Energy-efficient improvements not only lower your energy bills, they also make your home more marketable in the future. Buyers are increasingly interested in homes with sustainable features, meaning the investment you make today can pay off later when it is time to sell.

Before choosing a financing option, talk with a mortgage professional who understands the different programs available and can guide you through the process. Whether you are buying, refinancing, or renovating, there are ways to finance energy-efficient upgrades that make sense for your long-term goals.

Filed Under: Mortgage Tagged With: Energy Efficiency, Green Mortgage, Home Upgrades

Michael Inkman

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michael@michaelinkman.com
Mobile: (214) 762-4659
NMLS #152707

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