The Smart Way to Own Your Home

Your home should be a blessing, not a burden. That's why we help you buy the right house, with the right loan, and on the right terms.

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The FAIRWINDS Homebuying Difference

We don't just give you a mortgage — we guide you to the right mortgage. One that helps you pay off your home faster, avoid unnecessary debt, and stay on track for true financial freedom.

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Buying with Zero Credit

We believe in people, not just numbers. Qualify for a house based on your history of managing money.

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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.1

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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.2

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Rates for Real Life

We work hard to offer competitive rates that fit your situation, so you can own smart and stay on track.

Smiling family of four sitting on steps inside their new home, surrounded by labeled moving boxes. The father holds one daughter on his lap, while the other sits holding a box with a stuffed animal and plant.

If owning a home is your goal, we’ll help you get there — pay it down, own it outright, and live financially free.

To learn more about how we can help you, book an appointment with our mortgage experts today.

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Smart Homebuying Recommendations

We want you to own the home, not the debt. Here’s how we recommend approaching homeownership with confidence and clarity.

Plan
Be Debt-Free First
Pay off all non-mortgage debt and fully fund your 3-6 month emergency savings fund.

Term
Choose a Shorter Term
Save thousands in interest and build equity faster with a 15-year fixed-rate mortgage.

Budget
Put 20% Down
Aim for at least 20% down to build equity faster and steer clear of costly PMI.

Payment
Live Within 25%
Keep your monthly mortgage payment under 25% of your take-home pay.

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.

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Biweekly Payment Options to Help You Save3

Make automatic biweekly payments to pay down your mortgage faster and reduce interest over time.

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Freedom Payments Toward Principal

Apply extra payments directly to your principal to cut interest and own your home sooner.

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Short-Term Rate Options That Fit Your Goals

Choose a shorter loan term to lower your total interest and reach full ownership faster.

This calculator is for illustrative purposes only and is not a guarantee of credit.

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.

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Explore Smart Mortgage Options

Own a home that fits your life, your budget, and your goals. Whether you're buying your first home, building new, or refinancing, we’ll help you find the solution that fits.

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.

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Adjustable-Rate Mortgage (ARM)

Enjoy flexible interest rates with our adjustable-rate mortgages for short-term stays or refinancing to shorter terms.

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Jumbo 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.

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Construction-to-Permanent Loans

Build your dream home with the freedom and flexibility you deserve.

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Home Equity

Planning home improvement projects? We can help you find the best home equity option for your needs.

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Land Loans

As you design your new home, we can help you obtain the land.

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Homebuying Assistance

First-Time Homebuyers Savings Program

Make first-time homebuying easier and more affordable with a savings account that can help you set aside funds toward your future down payment. 

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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.

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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.

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We offer mortgage solutions across the country!

Mortgage solutions are currently available to members in Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Massachusetts, North Carolina, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, and Washington.

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Let’s Make Homeownership Happen

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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.

Footnotes

    FAIRWINDS NMLS #715408

    *Finance under 60% of the home's value.

    Loans are subject to credit union membership eligibility, credit approval, and verification of information provided on the application. Other terms and conditions may apply. Terms and conditions subject to change at any time without prior notice. FAIRWINDS does not service FHA or VA loans.

    1 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.

    All normal closing costs are paid by FAIRWINDS. This includes the application fee, 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 homeowner’s insurance, property taxes, interim interest, and, in the case of a purchase, owner’s title insurance or deed document stamps, which are normally paid by the seller. If the loan is paid off within 3 years, you will be required to repay the closing costs paid by FAIRWINDS. Certain terms and restrictions apply. No closing costs offer is not available in Massachusetts.

    • The closing date must be at least 30 days from the later of the loan application date and the purchase contract date.

    • All documents must be submitted to FAIRWINDS within 2 business days of a request: full income verification, complete asset statements, credit reporting documents, and any other documentation requested.

    • There are no credit-related disputes, such as credit reporting errors, which must be rectified prior to loan closing.

    • If Federal law requires a 3-day delay when providing updated disclosures, this duration shall not be included in a delay.

    • The appraisal report on the home must assign a value to the home equal to or greater than the purchase price of the home. The appraisal report must be acceptable to FAIRWINDS Credit Union.

    • Promotion is available for loan-to-values 97% or less.

    • You may not change the loan program or down-payment amount during the loan process.

    • All information listed on your loan application must be accurate and free of errors or omissions.

    • The closing may not be delayed by the seller or a third party, such as a real estate attorney or title company, failure to obtain a homeowner's insurance policy, flood zone determinations, inclement weather, a natural disaster, or other emergency outside of FAIRWINDS' control, etc.

    You must close and fund the loan with FAIRWINDS Credit Union to receive the $5,000 credit toward your closing costs, $3,000 towards the buyer, and $2,000 towards the seller.

    Offer applies only to loans to finance the purchase of a home. Offer not available on Construction-permanent financing, jumbo loan financing (loan amounts in excess of $806,500), home equity loans, home equity lines of credit, non-owner occupied residences, short-sale purchases, bank-owned/investor-owned properties, refinance transactions, condominiums, land, mobile home properties, or government loan programs. This program is subject to change and may be discontinued at any time.

    2 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.

    3 To ensure eligibility for biweekly payment options, request must be made before closing the loan. Requests made after closing will be subject to specific terms and conditions.

    4 Taxes and insurances are not included; therefore the actual payment obligation may be greater. Other terms and conditions may apply. Terms and conditions are subject to change at any time without prior notice. Payment examples are for illustrative purposes only and do not include escrows. Your actual payment may be greater and savings will vary.

    Rates are updated frequently and are subject to change without notice. Your actual rate is based on your credit quality, down payment, loan term, and amount financed. Rate lock cutoff time is 4:00 PM ET. Any lock requests received after 4:00 PM ET will be subject to tomorrow’s posted rates. Interest rates above are based on a loan amount of $250,000 single-family home as a primary residence, purchase transaction, 45-day rate lock, credit score of 780, and a loan-to-value of 80%. Discount points may apply. Terms and conditions subject to change at any time without prior notice.

    Routing Number ⑆ 263181368
    © 2025 FAIRWINDS Credit Union