Community Heroes Mortgage Program

We are proud to serve those who serve us through their dedication to our community and country. Our Community Heroes Mortgage Program is designed to assist everyday heroes achieve their homeownership goals.

Serving those who serve us.

We’re here to help you find a mortgage that meets your budget. With options that offer no closing costs and lower down payments, we have solutions to help you save more.

Lower monthly payments with discounted PMI premiums.

PMI or Private Mortgage Insurance is typically required when you make a down payment of less than 20% on the home’s purchase price. A PMI premium is added to your monthly mortgage payment based on your loan amount, down payment, and credit score.

Purchase your home with as little as 3% down.

For veterans, there may be no down payment required. Talk to one of our mortgage experts at 888.413.0672 for more details.

Additional Highlights and Savings

  • Fixed-rate home loans with terms of up to 30 years.

  • No closing cost options.*

  • Save money with no application fee and biweekly payments.

  • On-time closing guarantee**

  • If rates go down, you may be able to re-lock at a lower rate with our Rate Re-Lock Program***

  • No pre-payment penalties.

Who is Eligible?

First Responders

  • Paramedics, EMTs, Firefighters, Police Officers, Emergency Dispatchers, Search and Rescue Teams, Emergency Management Personnel, Emergency Medical Service (EMS) Personnel

Medical Professionals

  • Physicians (Doctors), Surgeons, Nurses, Dentists, Pharmacists, Physical Therapists, Occupational Therapists, Radiologists, Lab Technicians, Psychiatrists and Psychologists, Optometrists and Ophthalmologists, Chiropractors, Naturopathic Doctors, and Administrative Support.

Military Personnel

  • Military, Reserves, National Guard, or Veteran (as evidenced by dd-214)

Government Employees

  • An individual employed by a government agency or entity at the local, state, or federal level.


  • Teachers, Professors, Instructors, and Administrative Support.

Our mortgage experts are here for you.

Have questions or need help along the way? We are here to serve you! Call 888.413.0672 to talk with one of our mortgage lending experts.

Financial Freedom happens here.®

Terms and conditions subject to Mortgage Insurance approval and change at any time without prior notice.

*No closing costs options are available only on fixed-rate mortgage loans. All normal closing costs may be paid by FAIRWINDS. This includes the origination charge, appraisal, title insurance, settlement, and search fees, recording fees, and mortgage document stamps. This does not include the prepaid escrow, first year’s homeowners insurance, property taxes, interim interest, or discount point.

**Payment made in the form of credit applied to closing costs. The delay must be caused by FAIRWINDS Credit Union in order to be eligible for the $5,000 credit towards your closing costs, $3,000 towards the buyer’s Closing Costs, and $2,000 towards the seller’s Closing Costs.

***Rate re-lock is available for mortgage purchase and mortgage refinance. After the first relock, there is a charge of $250.00 for each relock of the interest rate. The final interest rate must be locked in at least seven days prior to the closing of your loan. If you choose to relock more than once, the fee is due at the time of the rate relock and is charged for each relock. This offer is subject to change at any time. Certain terms and restrictions apply. Applicants choosing to participate in the Fannie Mae HomeReady®, FHA, or VA programs are not eligible for the FAIRWINDS relock program.

Routing Number ⑆ 263181368