We are your one-stop shop when it comes to your home 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.
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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.
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Preferred Real Estate Agents
Find your home with our trusted team of preferred real estate agents to guide you through the home-buying process with confidence.
Learn More about Preferred Real Estate AgentsFAIRWINDS Credit Union mortgage
FAIRWINDS rates as low as
6.375%
APR† 15 Yr Fixed*
VS
National Average*
7.01%
APR† 15 Yr Fixed*
$15,888 is the difference between the amount paid in interest between FAIRWINDS Credit Union's rate at 6.375% APR compared to 7.013% 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 136198 financial institution locations in the National market as of September 29, 2023.
†APR = Annual Percentage Rate
Have questions? Available 24/7, a mortgage expert is here for you.
Call 1.888.413.0672 to speak to one of our specialized mortgage lenders.
Get started now, or call 1.888.413.0672
On-Time Mortgage Closing
We will meet your mortgage closing date or we will pay you $1,000 towards closing costs!
Short-Term Mortgage
A 15-year mortgage could save you thousands in interest and have you paying off your mortgage sooner.
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.
Mortgage Rates
Purchase Loan Rates
| Mortgage Type | Rates | APR* | Points |
|---|---|---|---|
| 30 year fixed 360 months at 7.00% (7.152% APR) for a $250,000 loan would result in a monthly payment of $1,663.26. |
7.000% | 7.152% | .805 |
| 20 year fixed 240 months at 6.75% (6.954% APR) for a $250,000 loan would result in a monthly payment of $1,900.91. |
6.750% | 6.954% | .864 |
| 15 year fixed 180 months at 6.38% (6.622% APR) for a $250,000 loan would result in a monthly payment of $2,160.63. |
6.375% | 6.622% | .833 |
*APR = Annual Percentage Rate. Rates are updated frequently and are subject to change without notice. Your actual rate is based on your credit quality, down payment, loan term, and amount financed. Rate lock cutoff time is 4:00 PM EDT. Any lock requests received after 4:00 PM EDT will be subject to tomorrow’s posted rates. Interest rates above are based on a loan amount of $250,000, single-family home as a primary residence, 45-day rate lock, credit score of 780, and a loan-to-value of 80%. Discount points may apply. Terms and conditions subject to change at any time without prior notice. |
|||
Jumbo Loan Rates
| Mortgage Type | Rates | APR* | Points |
|---|---|---|---|
| 30 year Jumbo Mortgage 360 months at 6.50% (6.659% APR) for a $726,200 loan would result in a monthly payment of $4,590.08. |
6.500% | 6.659% | .917 |
| 20 year Jumbo Mortgage 240 months at 6.25% (6.452% APR) for a $726,200 loan would result in a monthly payment of $5,308.00. |
6.250% | 6.452% | .875 |
| 15 year Jumbo Mortgage 180 months at 5.75% (5.986% APR) for a $726,200 loan would result in a monthly payment of $6,030.44. |
5.750% | 5.986% | .793 |
*APR = Annual Percentage Rate. Rates are updated frequently and are subject to change without notice. Your actual rate is based on your credit quality, down payment, loan term, and amount financed. Rate lock cutoff time is 4:00 PM EDT. Any lock requests received after 4:00 PM EDT will be subject to tomorrow’s posted rates. Interest rates above are based on a loan amount of $726,200, single-family home as a primary residence, 45-day rate lock, credit score of 780, and a loan-to-value of 80%. Discount points may apply. Terms and conditions subject to change at any time without prior notice. |
|||
Refi Loan Rates
| Mortgage Type | Rates | APR* | Points |
|---|---|---|---|
| 30 year fixed 360 months at 7.00% (7.152% APR) for a $250,000 loan would result in a monthly payment of $1,663.26. |
7.000% | 7.152% | .805 |
| 20 year fixed 240 months at 6.75% (6.954% APR) for a $250,000 loan would result in a monthly payment of $1,900.91. |
6.750% | 6.954% | .864 |
| 15 year fixed 180 months at 6.38% (6.622% APR) for a $250,000 loan would result in a monthly payment of $2,160.63. |
6.375% | 6.622% | .833 |
*APR = Annual Percentage Rate. Rates are updated frequently and are subject to change without notice. Your actual rate is based on your credit quality, down payment, loan term, and amount financed. Rate lock cutoff time is 4:00 PM EDT. Any lock requests received after 4:00 PM EDT will be subject to tomorrow’s posted rates. Interest rates above are based on a loan amount of $250,000, single-family home as a primary residence, 45-day rate lock, credit score of 780, and a loan-to-value of 80%. Discount points may apply. Terms and conditions subject to change at any time without prior notice. |
|||
Adjustable-Rate Mortgage Loan Rates
| Mortgage Type | Rate | APR* | Points |
|---|---|---|---|
| 5/5 ARM For a 30-year loan of $500,000, you would make 60 payments of $3,242.99 at 6.75% (7.162% APR), followed by 300 payments based on the then-current variable rate. |
6.750% | 7.162% | .806 |
| 10/6 ARM For a 30-year loan of $500,000, you would make 120 payments of $3,242.99 at 6.75% (7.029% APR), followed by 240 payments based on the then-current variable rate. |
6.750% | 7.029% | .806 |
|
*APR = Annual Percentage Rate. Rates are updated frequently and are subject to change without notice. Your actual rate is based on your credit quality, down payment, loan term, and amount financed. Rate lock cutoff time is 4:00 PM EDT. Any lock requests received after 4:00 PM EDT will be subject to tomorrow’s posted rates. Interest rates above are based on a loan amount of $500,000, single-family home as a primary residence, 45-day rate lock, credit score of 780, and a loan-to-value of 80%. Discount points may apply. Terms and conditions subject to change at any time without prior notice. |
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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
Tools and Resources
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Start saving for your first home.
Before you start house hunting and picking out paint colors, let us help you with the first major step…
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Mortgage Calculator
It's widely accepted that mortgage lenders want you to take out as much debt as you can possibly afford,…
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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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What monthly payments are needed to pay off my loan sooner?
Many of us desire to have some debts cleared before starting other significant life events such as retirement,…
First Time Home Buying Program
Not ready to buy right now? Start saving for your first home today.
Let’s make your dream of owning your own home a reality with the FAIRWINDS My First Home Savings Account. With special benefits and incentives, this account makes it easy and efficient to save for your down payment.
Special Mortgage Programs
Adjustable Rate Mortgages
Achieve your dream of homeownership with our flexible and affordable adjustable-rate mortgage loans.
Land Loans
Once you find the location to build your home, we have the solutions to help you secure affordable land financing.
Construction-to-Permanent Financing
Looking to build your home from the ground up? We have solutions to help you secure affordable financing.
Freedom Mortgage
Whether you're purchasing your first home or moving to a new house, enjoy the freedom of this no closing cost mortgage.
Places Where We Do Home Loans
We offer lending in Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Massachusetts, North Carolina, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, and Washington.
Meet the Team
Our Mortgage Professionals are ready to serve you. Find your mortgage partner below.
Learn more about Valerie Cancel
Mortgage Sales Lead
Yo Hablo Español
NMLS# 371312
Learn more about Jaime Forero
Mortgage Loan Officer
Yo Hablo Español
NMLS #565587
Learn more about Yareliz “Lizzy” Rodriguez Garcia
Mortgage Loan Officer
Yo Hablo Español
NMLS #1904500
Learn more about Alex Jara
Mortgage Loan Officer
Yo Hablo Español
NMLS #2007028
Learn more about Heather Lewis
Mortgage Loan Officer
NMLS #1320717
Learn more about Sherri Mabe
Mortgage Loan Officer
NMLS #784134
Learn more about Hector Marines
Mortgage Loan Officer
Yo Hablo Español
NMLS #1481833
Learn more about Joni Mitchell
Mortgage Loan Officer
NMLS #78407
Learn more about Carmen Prieto
Mortgage Loan Officer
Yo Hablo Español
NMLS #1497133
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.
FAIRWINDS does not service FHA or VA loans.