CG Home Loan Partners

Fairway Independent Mortgage Corporation is an employee owned company with a list of core values, one of which includes being “FAMILY FOCUSED”. Every day, here in Minnesota and all across the country, we help families make decisions about mortgage financing while also making them feel a part of the Fairway family.

Our branches of Fairway Independent Mortgage Corporation have offices in Bloomington, Waterville and Plymouth and are at your service here in Minnesota. Our goal is to be a trusted advisor providing personalized service through every stage of the loan process. With some of the fastest turn times in the industry, we offer mortgage loan products for your first home to your retirement home and everything in between. Construction and Construction Renovation financing are among our specialties. Everything we do is designed to guarantee satisfaction, exceed your expectations and earn your trust. We strive to deliver on time and on budget. Our team is 100% committed to that end.

Carrie Lynn Guarrero, Producing Branch Manager

NMLS# 209015


Carrie Guarrero has had the honor of helping thousands of families reach their dreams, build worth and advance their goals through homeownership in the decades she has served the public and real estate professionals as a mortgage loan officer. Carrie started young in the industry and is now a team and industry leader.  There's a lot of excitement when buying a first or a new home, but Carrie's work and relationships with people extend far beyond closing because home financing is a large, central part of an individual's and family's financial picture.  A home is also one of the most basic needs that every person has - whether they own or rent - and Carrie and her team are committed to helping people in all phases to make the most of their housing dollars and opportunities.  Carrie and her team work with everyone from first-time homebuyers to folks moving up, downsizing, remodeling or reorganizing, helping them to make informed decisions and keeping their long-term plans in mind.  The CG Home Loan Partners understand that homeownership builds stronger, healthier finances, neighborhoods and communities. 
Parents of seven children, Carrie and her husband Dan are also directors of The Village in Waterville, a non-profit, faith-based food shelf, community, event and retreat center. 
Industry and volunteer efforts include: 
- 2015 MN Mortgage Association Loan Officer of the Year
- Vice President and Founding Board Member of Lenders Who Care
- Minnesota Mortgage Association (MMA) Executive Board Member
- Education Committee Chair for the Minnesota Mortgage Association (MMA)
- Author & Educator for Governor’s Emerging Markets Homeownership Initiative (EMHI)
- Top Producing Lending Partner for Minnesota Housing
- 2012 Dakota County Exceptional Businesswomen Award Recipient
- Inspiring and Devoted Coach


Jim Ryder, Sr. Loan Officer

NMLS# 350738


Jim Ryder's career as a mortgage loan officer spans decades, market cycles and conditions.  A lifelong "numbers guy," Ryder has helped people finance homes through times when there were double digit interest rates, runaway home appreciation and other market and economic fluctuations.   The fact that housing is the biggest expense for most people and understanding its importance to consumers' overall financial health, Jim has chosen to serve and be active in the industry as part of his service to the public. 

He is a Minnesota Mortgage Association Lifetime Achievement Award recipient and a former member of their board of directors.  Ryder works closely with financial planners, Certified Public Accountants and attorneys to help people plan and succeed at all stages of their lives, from buying a first home to reverse mortgages. 
A self-labeled "car-a-holic," Ryder has owned over 75 autos.  A grandfather of two, Jim loves to travel with his partner Theresa and of course, look at cars.   

Randy Cullen, Branch Manager

NMLS# 326128


Decades in the lending industry have Randy Cullen focusing on legacy.  Randy began his career in the wholesale aspect of the business in the 1990s.  Through his passion for working with and helping people finance their goals and dreams, Randy has worked with scores of borrowers, mentored and led others throughout the company to provide excellent service and a great customer experience.  Randy's experience has been built through many different market phases and he now leads the Cullen Guarrero Team with partner Carrie Guarrero to help borrowers and lending professionals benefit and excel in this new housing and regulatory era.  Outside of work, Randy enjoys time with his three children and five grandchildren.