Homeownership That Supports the Life You're Building
A place to call your own is a powerful part of Financial Freedom. Our goal is to help you become a homeowner when it’s right for your life and finances.
Move Toward Financial Freedom With a Rate 0.50% Below the National Average
The FAIRWINDS Home Buying Difference
Your home should be a blessing, not a burden. That's why we help you buy the right house on the right terms. Terms that help you save more over the life of your loan, pay off your home faster, and build lasting wealth through equity in your home, so you can stay on track for true Financial Freedom.
Buying with Zero Credit
We believe in people, not just numbers. Qualify for a house based on your history of managing money.
On-Time Closing Guarantee
We'll meet your mortgage closing date, or we'll cover $3,000 for you and $2,000 for the seller in closing costs.
Rate Re-Lock
Lock in peace of mind. If rates drop, you may be able to re-lock at the lower rate and save even more.
Rates for Real Life
We work hard to offer competitive rates that fit your situation, so you can own smart and stay on track.
How Homeownership Moves You Forward
A home can be one of the most powerful tools for building Financial Freedom. As you pay down your mortgage, you create more options for your future. Once your home is paid off, you earn the ability to save, give, and live on your terms.
It gives you:
A foundation of long-term stability
Protection from rising rent and housing costs
The opportunity to build wealth through equity
Freedom to give back to the people and causes you care about
More flexibility in your budget and confidence in your finances
Smart Home Buying Recommendations
We want you to own the home, not the debt. Here’s how we recommend approaching homeownership with confidence and clarity.
These are our best recommendations, but we’re here to help no matter where you’re starting.
Tools That Make Your Mortgage Work for You
No matter your situation, we’ve got smart strategies to help you save and own your home faster.
View Current RatesBiweekly Payment Options to Help You Save
Make automatic biweekly payments to pay down your mortgage faster and reduce interest over time.
Freedom Payments Toward Principal
Apply extra payments directly to your principal to cut interest and own your home sooner.
Short-Term Rate Options That Fit Your Goals
Choose a shorter loan term to lower your total interest and reach full ownership faster.
Lock & Shop Program
Have peace of mind with added stability through an extended rate lock option while you shop for your new home.
Details:
Lock in your interest rate today for the maximum 90-day period.
Lock your rate without a Purchase Agreement.
All loan types are eligible.
All property & occupancy types are eligible.
Available for all terms.
Receive one free rate re-lock.
Rate extensions are not permitted.
Explore Smart Mortgage Options
Every Financial Freedom journey looks different. Choose the mortgage tool that best supports your goals, budget, and long-term plans.
Fixed-Rate Mortgage
Secure your future with our fixed-rate mortgage option, giving you peace of mind with predictable monthly payments for the life of your loan.
Learn MoreAdjustable-Rate Mortgage (ARM)
Enjoy flexible interest rates with our adjustable-rate mortgages for short-term stays or refinancing to shorter terms.
Learn MoreJumbo Mortgage
If you're looking to move into a larger home, this could be a great option to help you borrow more while paying down your home faster with lower rates.
Learn MoreConstruction-to-Permanent Loans
Build your dream home with the freedom and flexibility you deserve.
Learn MoreHome Equity
Planning home improvement projects? We can help you find the best home equity option for your needs.
Learn More
Mortgage Refinance
Put your mortgage to work for you. Depending on your current loan and today's rates, refinancing could help you:
Pay less interest over the life of your loan
Pay off your home sooner
Remove PMI to reduce your monthly payment
Build equity faster
Home Buying Assistance
First-Time Home Buyers Savings Program
Make first-time home buying easier and more affordable with a savings account that can help you set aside funds toward your future down payment.
Community Heroes Mortgage Program
Designed to assist everyday heroes, we’re here to help you find a mortgage that fits your budget and achieve your homeownership goals.
Down Payment Assistance
Wherever you are on your home buying journey, we’re here to help make the process easy and more affordable with down payment assistance.
Physician Loan Program
Home financing designed to help medical professionals build stability, stay in control, and move confidently toward Financial Freedom.
We offer mortgage solutions across the country!
Mortgage solutions are currently available to members in Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, New Hampshire, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, and Wisconsin.
Home Equity solutions are currently available to members in Florida and Georgia.
Apply NowLet’s Make Homeownership Happen
Talk With a Mortgage Expert
Have questions? If you need help along the way, we are here to serve you. Call (888) 413-0672 and let’s get you closer to Financial Freedom.