FAIRWINDS Credit Union August 2013 ADVOCATE for Members
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Freedom from Closing Costs

Whether you're purchasing your first home or moving to a new house, enjoy the freedom of this no closing costs mortgage.

With a FAIRWINDS Freedom Mortgage Loan, enjoy special features including:

» Fixed-rate for 5, 10, or 15 years.
» All normal closing costs paid by FAIRWINDS.*
» Local decisioning.
» As little as 3% down.
» No application fee.

Visit fairwinds.org/mortgage to learn more and apply today.

*All normal closing costs are paid by FAIRWINDS. This includes the origination charge, appraisal, title insurance, settlement and search fees, recording fees, and documentary stamps. This does not include the prepaid escrow, first year’s homeowners insurance, property taxes, interim interest, or discount point.


Financial Freedom Tip: A 15-Year Mortgage

Why choose a 15-year mortgage instead of a 30-year term? Savings big time! Check it out:

$125,000 Mortgage

Interest Rate

APR

Monthly Payment

Total Interest

30-Year

4.50%

4.673%

$633.36

$103,007.02

15-Year

4.00%

4.300%

$924.61

$41,429.70

That's a savings of $61,577.32 over the lifetime of the loan.*

Your monthly payments may be higher, but the long-term savings helps you accelerate your path toward financial freedom.

*The savings quoted would be approximate savings if the payment was made on the due date, and no later, over the life of the loan. APR = Annual Percentage Rate.


     


Shred Fest at Lake Forest

shredfest The Shred Fest 2013 tour is back, just in time to help you safely destroy your personal documents for the fall season!

Plan ahead for our next Shred Fest coming to you soon:

Saturday, September 14
Lake Forest Branch
5020 West State Road 46
Sanford, FL 32771
9:00 a.m. - 1:00 p.m.

Before you head out to Shred Fest, please be aware that due to heavy volume, guests may bring a maximum of five boxes of personal documents per vehicle to shred. Shred trucks are available until 1:00 p.m. or until capacity is reached.

Be sure to view the remaining 2013 dates and locations and see when we will be coming to your neighborhood. The 2014 tour dates will be announced soon!



Federal Holiday Observance

FAIRWINDS branches will be closed on Monday, September 2 in observance of Labor Day.

Branch Locations and Hours




   
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