Everything you need to get in your home.
We are your one-stop shop when it comes to your loan.
Ready for Financing
You found your home and you're ready to buy! Our mortgage professionals are here to help you every step of the way.
Learn More about Ready for Financing
Want to refinance
With rising home values and our no closing costs options, now is a great time to refinance your current mortgage.
Learn More about Want to refinance
Looking for a home
Our member-exclusive real estate service can help you search for a home, find a Realtor and earn a rebate along the way.
Learn More about Looking for a homeFAIRWINDS Credit Union mortgage
FAIRWINDS rates as low as
3.996%
APR† 30 Yr Fixed
VS
Orlando-Kissimmee Metro Average*
4.71%
APR† 30 Yr Fixed
$37,860 is the difference between the amount paid in interest between FAIRWINDS Credit Union's rate at 3.996% APR compared to 4.710% APR for the Orlando-Kissimmee Metro market average over the life of a $250,000 mortgage over 360 months.
*Based upon independent research conducted by Datatrac for 716 financial institution locations in Orlando-Kissimmee Metro as of March 22, 2019.
†APR = Annual Percentage Rate
Get started now, or call 407.206.8125
On-Time Mortgage Closing
We will meet your mortgage closing date or we will pay you $1,000 towards closing costs!
Rate Re-Lock Program
What if rates go down? You may be able to Re-Lock at a lower rate, helping you save even more.
Popular Loan Rates
| Mortgage Type | Interest Rate | APR | Points |
|---|---|---|---|
| 30 year fixed | 3.750% | 3.886% | .927 |
| 20 year fixed | 3.625% | 3.712% | .355 |
| 15 year fixed | 3.125% | 3.238% | .708 |
*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%. Discount points may apply. Rates are subject to change without notice. |
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Plus, enjoy NO CLOSING COSTS** options on terms up to 30 years. Enjoy all normal closing costs paid by FAIRWINDS with as little as 3% down.
**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. Example rate, Annual Percentage Rate (APR), and payment: a $200,000 30-year mortgage loan at 4.875% (5.019% APR) results in a $1,058.42 principal and interest monthly payment.
What our members are saying...
A very nice experience
Been Fairwinds members since they opened. Have done several different loans with you and always had a great experience. This is my first mortgage with you and I'm sorry I waited so long. Great people and experience. I'll never go anywhere else! Thank you
Excellent service
We had a very smooth and easy time during a process which can be very complicated. Kim and Kevin were absolutely wonderful and helped us immensely from the application until the closing.
Exceptional Service!
I have used Fairwinds for 2 mortgages and the service was the best you can get.The team looks out for your best interest.
Tools and Resources
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Mortgage Calculator
The loan amount, the interest rate, and the term of the mortgage can have a dramatic effect on the total…
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Should I refinance my mortgage?
Over the last couple of years with interest rates at a 40-year low, many people refinanced their mortgages.…
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How much home can I afford?
When you're buying a home, mortgage lenders don't look just at your income, assets, and the down payment…
Meet the Team
Our Mortgage Professionals are ready to serve you. Find your mortgage partner below.
Learn more about Jeremy Albert
Mortgage Loan Officer
NMLS #676466
Learn more about Wynter Dollack
Sr. Mortgage Loan Officer
NMLS #784124
Learn more about Sylvia Frye
Sr. Mortgage Loan Officer
NMLS #784010
Learn more about Kim Hanawalt
Mortgage Loan Officer
NMLS #347484
Learn more about Amanda Kelley
Sr. Mortgage Loan Officer
NMLS #867615
Learn more about Heather Lewis
Mortgage Loan Officer
NMLS #1320717
Learn more about Tracie Thompson
Sr. Mortgage Loan Officer
NMLS #873141
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.