Loans to fit your life.

Find your home loan solutions at FAIRWINDS. Choose from a variety of fixed or variable rate mortgage, home equity, and refinance products with rates and terms to fit your budget. Whether you’re purchasing your first home, looking to tap into the equity in your home, or searching for the best refinancing offer, our team of Real Estate experts will help find the solution that’s right for you.

Mortgage

Mortgage solutions.

Whether you're purchasing or refinancing, we have options to fit your needs. We offer fixed-rate and variable loans, refinancing options, first time homebuyer programs, and more.

Home Equity

Whether you want the convenience and access of a Home Equity Line of Credit, the comfort and security of a fixed-rate Home Equity Loan, or the best of both worlds with a Fixed-Rate Home Equity Line of Credit, FAIRWINDS can help.

* Certain restrictions apply.

Which product is right for me?

With the many financing options available, choosing the right mortgage loan can be confusing. Our Real Estate Lending experts can help you make key decisions and determine the type of loan that is the right fit. Here are a few questions to ask yourself as you start to research your borrowing options:

Looking for the security of a fixed rate and monthly payment?
Traditional fixed-rate mortgages offer terms from 10 to 30 years with fixed interest rates and monthly payments.

Purchasing your first home?
Our special programs for first-time homebuyers that include FHA (Federal Housing Administration) financing, low down payment options and educational information can make the dream of owning your own home a reality.

If you are looking for low monthly payments or plan to only be in your home a short time, an Adjustable Rate Mortgage (ARM) may be the best fit for you.

We can also customize financing options to meet your needs, including vacation homes, out-of state property, investment property, and more.

Learn more about your options by contacting a Real Estate Loan Officer today.

Comparison Chart
Fixed Rate Adjustable Rate (ARM)

Advantages

Fixed payments make budgeting easier Lower initial payments make it easier to qualify for a higher mortgage amount

Ideal for

Persons looking for fixed payments or plan to remain in the home long-term First-time home buyers, persons not planning to live in the home more than a few years

Rates

Stays the same over the life of the loan Changes based on yearly adjustment schedule

Payments

Fixed over the life of the loan Changes as rate is adjusted yearly

As market rates increase…

No increase in payments Rates and payments will increase as market rates climb

As market rates decrease…

Rates remain the same. You may apply for refinancing in order to lower your rate, but you will have to pay closing costs. Mortgage rates decrease as rates decline in the market

Terms offered

10, 15, 20 and 30 year terms Up to 30 year terms with adjustment periods of three to ten years
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Fixed Rate
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Adjustable Rate (ARM)