Luke Negen · Loan Officer · NMLS #2566600 · Fairway Home Mortgage
Hey Luke,
what's my payment?
It's the question every buyer actually has — and the one most lenders make you sit through a sales pitch to answer. Luke skips the pitch. Text the question, get the number, decide from there.
Licensed in Minnesota & Wisconsin · NMLS #2566600 · No forms, no spam — just a text
States licensed: Minnesota & Wisconsin
Loan program families, explained in plain English
Cost to ask Luke a question — ever
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Licensed in MN & WI
Meet Luke
The loan officer who leads with the number
Luke Negen is a Loan Officer with Fairway Home Mortgage at the Eden Prairie branch, serving buyers across Minnesota and Wisconsin — with deep roots in the Twin Cities market. He built his approach around a simple observation: buyers don't want a lecture about the mortgage industry. They want to know what the house costs per month, whether they qualify, and what to do next.
So that's how Luke works. Text him a listing, get a real payment breakdown. Ask a "dumb" question, get a straight answer with zero judgment. When you're ready to move, he runs the pre-approval through Fairway's secure systems and stays on it through closing day.
The payment-first path
From "what would it cost?" to keys in hand
You don't need to be ready to buy to talk to Luke. Most of his conversations start with a simple payment question — here's how they end with an address.
Text the question
Send Luke a listing, a price range, or just "what could we afford?" — he'll rough in a real monthly payment, not a teaser number.
See your real numbers
A quick conversation about income, savings, and goals turns the estimate into your actual buying power — including programs you may not know you qualify for.
Get pre-approved
When you're ready, the application runs through Fairway's secure system. A strong pre-approval letter makes your offer count in a competitive market.
Close with confidence
Luke stays on your file through underwriting to clear-to-close, flagging every milestone so nothing surprises you at the closing table.
Every tool in the box
Loan programs, translated
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
USDA Loans
$0 down for homes in eligible smaller communities — many Twin Cities exurbs qualify, and most buyers have no idea.
Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Down Payment Assistance
Minnesota has real down payment help — Minnesota Housing programs can put thousands toward your down payment and closing costs.
Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Luke will show you. When it doesn’t, he’ll tell you.
No idea which one?
Perfect — that's Luke's job, not yours. Text him your situation and he'll match the program to you.
No dumb questions
Mortgage stuff, explained like a friend would
The whole industry runs on making you feel like you should already know this. You shouldn't. Nobody does the first time. That's what the plain-English glossary and first-time buyer hub are for.
Have a question? Just ask your friend.
No pressure, no jargon, no waiting three business days for a callback. Text Luke your question and get a real answer — usually within minutes, always in plain English.