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 Apply for a Mortgage
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 Apply 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 homePlaces Where We Do Home Loans
We offer lending in California, Colorado, Florida, Georgia, Massachusetts, and Texas.
FAIRWINDS Credit Union mortgage
FAIRWINDS rates as low as
2.819%
APR† 15 Yr Fixed
VS
National Average*
3.19%
APR† 15 Yr Fixed
$8,082 is the difference between the amount paid in interest between FAIRWINDS Credit Union's rate at 2.819% APR compared to 3.192% APR for the National market average over the life of a $250,000 mortgage over 180 months.
*Based upon independent research conducted by Datatrac for 130049 financial institution locations in the National market as of April 4, 2020.
†APR = Annual Percentage Rate
Get started now, or call 1.888.413.0672
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 | 3.375% | 3.455% | .500 |
| 20 year fixed | 3.125% | 3.219% | .689 |
| 15 year fixed | 2.750% | 2.819% | .417 |
*Rates are updated frequently and are subject to change without notice. Rate lock cutoff time is 4:00 PM EDT. 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 80%. Discount points may apply. |
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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. No closing costs offer is not available in Massachusetts.
What our members are saying...
Great experience with Fairwinds
A friend of mine is a Fairwinds member who was very happy with his mortgage. We are thankful that he referred us to Fairwinds, very positive experience for us.
Mortgage
Fairwinds is so easy to work with. They made my mortgage a very pleasant experience. Jeremy was amazing!
Great Experience!
I applied for a mortgage loan through FAIRWINDS and it could not have been a smoother process. Application was easy as was the approval. They kept me informed every step of the way and were always available to answer any questions I had promptly. An overall terrific experience from application to closing.
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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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…
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Should I convert to a bi-weekly payment schedule?
It may surprise you that most banks and mortgage companies collect two to three dollars for every dollar…
Meet the Team
Our Mortgage Professionals are ready to serve you. Find your mortgage partner below.
Learn more about Kevin Bishop
Mortgage Loan Officer
NMLS #1528936
Learn more about Angel Diaz
Mortgage Loan Officer
Yo Hablo Español
NMLS# 601277
Learn more about Gina Dionisio
Tampa Mortgage Specialist
NLMS#1891262
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 Kimberly Gomez
Mortgage Loan Officer
Yo Hablo Español
NMLS# 1273458
Learn more about Taylor Gonzalez
Real Estate Loan Officer
Yo Hablo Español
NMLS #1432691
Learn more about Kim Hanawalt
Sr. 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 Sherri Mabe
Mortgage Loan Officer
NMLS #784134
Learn more about Tracie Snyder
Mortgage Loan Officer
NMLS #1432693
Learn more about Tracie Thompson
Sr. Mortgage Loan Officer
NMLS #873141
Learn more about Bryant Williams
Tampa Mortgage Specialist
NMLS #1018965
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.