Home sweet home.
Whether you're starting your search, ready to finance or want to refinance, we're here for you.
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Everything you need to get in your home.
We are your one-stop shop when it comes to your loan.
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.
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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.
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Want to refinance
With rising home values and our no closing costs options, now is a great time to refinance your current mortgage.
Learn MorePopular Loan Rates
| Mortgage Type | Interest Rate | APR | Points |
|---|---|---|---|
| 30 Year Fixed Rate | 3.875%* | 4.003%* | .67 |
| 15 Year Fixed Rate | 3.000%* | 3.257%* | .908 |
| 10 Year Adjustable Rate | 3.625%* | 3.787%* | .529 |
| 3 Year Adjustable Rate | 3.125%* | 3.747%* | .838 |
*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. 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.
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.
Tools and Resources
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FAIRWINDS HomeAdvantage
Our free program is the only resource you need to buy or sell a home from start to finish! Powered by CU Realty Services, this member-exclusive real estate service can help you search for a home, sell a home, find a Realtor and earn a rebate along the way!
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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. Even though rates have crept up over the last couple of months, refinancing may make sense for you. Use our refinance calculator to analyze your situation today!
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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 you have. They look at all of your liabilities and obligations as well, including auto loans, credit card debt, child support, potential property taxes and insurance, and your overall credit rating. Use our home affordability calculator to determine how much of a mortgage you may be able to obtain.
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.
