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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.Learn More about Looking for a home
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
FAIRWINDS Credit Union mortgage
FAIRWINDS rates as low as
APR† 30 Yr Fixed
Orlando-Kissimmee Metro Average*
APR† 30 Yr Fixed
$16,058 is the difference between the amount paid in interest between FAIRWINDS Credit Union's rate at 4.400% APR compared to 4.699% 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 August 20, 2018.
†APR = Annual Percentage Rate
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||4.250%||4.394%||.837|
|20 year fixed||4.125%||4.231%||.416|
|15 year fixed||3.625%||3.748%||.677|
*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.
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...
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.
I have been a member of Fairwinds since 2008, I have a Car Loan, a Personal Loan, and just recently a Mortgage Refinance, and I have to say Fairwinds had the best customer service
From start to finish, my home purchase was easy and on time. All of my questions were answered quickly and professionally.
Tools and Resources
The loan amount, the interest rate, and the term of the mortgage can have a dramatic effect on the total…
Should I refinance my mortgage?
Over the last couple of years with interest rates at a 40-year low, many people refinanced their mortgages.…
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.
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.