Your Ohio home, explained one clear step at a time.

A real team answers your questions, from your first call to closing day.

William Dawes, Ohio mortgage lender, with Fairway Independent Mortgage. NMLS 259692.

I am here to:

Buy a homeRefinanceUse my home equity

Get Pre-Approved

Call or text our office: 330-337-3260

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By tapping Start Now, you agree that Team Dawes may call or text you about your request. Message and data rates may apply. This is not a loan application or a commitment to lend.

William Dawes, Ohio mortgage lender
William Dawes, Mortgage LenderSalem, Ohio | NMLS #259692
4.91from 2,101 client reviews
334Google reviews
Since 2001in the mortgage business
All of Ohiolocal Salem office

How buying a home works

Four steps, explained in plain words. Questions are welcome at every one.

1

Talk with us

A short conversation about your goals, your budget and your timeline.

2

Get pre-approved

We review your finances and show you what you may qualify for.

3

Find your home

Shop with a clear budget. We stay available while you search.

4

Close and move in

We guide you through the final steps to closing day.

Get Pre-ApprovedSee the full buying process

You Have Options

Which Loan Fits Your Situation?

First Time Homebuyers

Buying your first home? Here is how FHA, conventional, and USDA loans compare.
First Time Buyers Start Here

Down Payment Assistance

Help keep your money in the bank. Assistance programs may be available if you qualify.
Explore Assistance Programs

Veterans and Military

Helping eligible service members, veterans, and their surviving spouses purchase or refinance a home.
Veterans Start Here

Refinance

Thinking about changing your loan? We will look at the costs, the payment, and how long you plan to stay.
Read About Refinances

Home Equity (HELOC)

Want to use the equity in your home? Ask us how a home equity line of credit works.
Ask About Home Equity

Self-Employed

Work for yourself? A bank statement loan uses eligible deposits, instead of your taxable income, to qualify you.
Explore Self-Employed Options

Also: Investment property loans  |  Bridge loans

See All Financing Options

Know your numbers before you shop

Start with a price, or start with a payment. Either way, you’ll know where you stand.

Run the numbers

Mortgage Payment CalculatorWhat would the monthly payment be?Home Budget CalculatorConverting a payment into a house price.

Testimonials

What Ohio Borrowers Say About Working With Us

 
 
 
 
  EXCELLENT  
  
 Based on 334 reviews 
  
 
 
 
 
 
 
 
  
 
 
 
 Posted on Google Google 
 
 David profile picture 
 
 
 David 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
William Dawes and his team were exceptional. I can’t even think of anything negative in the whole experience or Anything that they could’ve done better.   Hands down one of the best
  
 
  
 
 
 
 Posted on Google Google 
 
 Shayna Dinch profile picture 
 
 
 Shayna Dinch 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Cannot express enough how wonderful William and his team were to work with while purchasing our new home! They’re extremely helpful, friendly, kind, always answer any questions we had, and they work quickly. Can’t recommend them enough!
  
 
  
 
 
 
 Posted on Google Google 
 
 Mariah Blake profile picture 
 
 
 Mariah Blake 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
William and his team were extremely helpful during the purchase of my home! They answered all questions fully, were always quick to respond and were very thorough with communication. They took what could have been a stressful time and made it quick and painless! I would recommend working with William and his team.
  
 
  
 
 
 
 Posted on Google Google 
 
 Jason Domro II profile picture 
 
 
 Jason Domro II 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Team is awesome
  
 
  
 
 
 
 Posted on Google Google 
 
 Luke Brunswick profile picture 
 
 
 Luke Brunswick 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
As a first time home buyer William and everyone at Fairway made the process easy and understandable. The app answered alot of questions on what to expect next.
William and his team were quick and always there when I sent paperwork through or had any questions.
It was a smooth, low stress experience and I would absolutely recommend any of my friends or family in the future.
  
 
  
 
 
 
 Posted on Google Google 
 
 Kim Morrison profile picture 
 
 
 Kim Morrison 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
I enjoyed working with them. They are extremely friendly and helpful.
  
 
  
 
 
 
 Posted on Google Google 
 
 Jen Burton profile picture 
 
 
 Jen Burton 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Everyone in the office is very friendly and helpful! All of the questions that we had were answered in a timely manner. I would 100% recommend William Dawes and his staff to anyone!

These are our Google reviews. We have more reviews on other sites too. Read them all.

Common questions, answered

Straight answers to what most Ohio homebuyers ask first.

How much do I need for a down payment?

It depends on the loan. Some programs allow no down payment for eligible borrowers (VA and USDA), FHA starts at 3.5%, and some conventional loans start at 3%. Down payment assistance may also be available in Ohio if you qualify. We show you what fits your situation.

What is the difference between pre-qualified and pre-approved?

Pre-qualification is a quick estimate based on what you tell us. Pre-approval means we review documents such as income, assets and credit, so sellers see you as a serious buyer. It is not a final loan commitment.

What credit score do I need?

Minimum scores vary by loan program and lender, and your score is only one part of the picture. We look at everything together and explain what to work on if you are not there yet.

How long does it take to close?

Most purchases close about 20 to 25 days after an accepted offer. Timing depends on the home, the appraisal and how quickly documents come in.

What are closing costs?

Closing costs are the fees to finalize the loan and transfer the home, such as lender fees, title, appraisal, taxes and insurance. They commonly run a few percent of the purchase price. You receive a Loan Estimate with the details, and in some cases a seller or assistance program can help.

Do I have to be a first-time buyer to work with you?

No. We help first-time buyers, repeat buyers, homeowners looking to refinance and homeowners exploring home equity.

Get Pre-ApprovedMore questions
William Dawes, Ohio mortgage lender

Meet William

I am William Dawes, a mortgage lender in Salem, Ohio. I have been in the mortgage business since 2001, and with Fairway since 2008.

Most of the people we help are buying their first home. I will explain each step in plain words. My team and I stay in touch from your first call to closing day. I am also a Certified Military Home Specialist, so I can walk veterans and active-duty families through VA loans. Visit our office in Salem, or reach us by phone or online.

Where We Are

Our office is in Salem, and we serve homebuyers all across Ohio.

Close to home: Columbiana, Mahoning, Trumbull, Stark and Summit Counties.

558 E State St, Salem, OH 44460
Office: 330-337-3260

Call Our Office

Ready To Talk About Your Ohio Home Loan?

Whether you are buying your first home or looking at a refinance, you should know your options before you decide. Our Salem team will review your payment, your cash to close, and what happens next. We answer questions plainly, tell you what we know and what we don't yet know, and follow up when we say we will. We know Columbiana, Mahoning, Trumbull, Stark and Summit counties, and we serve homebuyers across Ohio.

Get Pre-Approved