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Additional Rates and Closing costs

Rates are updated daily. Rate lock cutoff time is 4:00 PM EST. Any lock requests received after 4:00 PM will be subject to tomorrow’s posted rates. Interest rate quotes are based on a credit score of 740 and a maximum loan-to-value of 60% with 1 point rate discount fee. Rates are subject to change without notice.

Rate Re-Lock Program

Mortgage rates can change, but our Rate Re-Lock Program has you covered.

One of the benefits of buying or refinancing your home through FAIRWINDS is locking your mortgage rate, even if rates go up.

What if rates go down? You may be able to Re-Lock at a lower rate, helping you save even more.

During the mortgage application process, FAIRWINDS members have the opportunity to re-lock to a lower rate, at no additional charge. That way you can be sure that you’re receiving the best rate and best payment for your budget.

*Rate relock 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 interest rate must be locked in at least 72 hours 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.