We are your one-stop shop when it comes to your home loan.
Looking for a home
Our member-exclusive real estate service can help you search for a home, find a Realtor and earn a cash-back benefit along the way.Learn More about Looking for a home
Places Where We Do Home Loans
We offer lending in California, Colorado, Connecticut, Florida, Georgia, Massachusetts, North Carolina, South Carolina, Texas and Virginia.
FAIRWINDS Credit Union mortgage
FAIRWINDS rates as low as
APR† 15 Yr Fixed
APR† 15 Yr Fixed
$4,383 is the difference between the amount paid in interest between FAIRWINDS Credit Union's rate at 2.312% APR compared to 2.520% 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 133441 financial institution locations in the National market as of October 20, 2021.
†APR = Annual Percentage Rate
Have questions? Available 24/7, a mortgage expert is here for you.
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!
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.
Popular Loan Rates
|Purchase - 30 year fixed||3.237%||0.581|
|Purchase - 20 year fixed||2.885%||0.396|
|Purchase - 15 year fixed||2.312%||0.493|
|Refinance - 30 year fixed||3.238%||0.695|
|Refinance - 20 year fixed||2.889%||0.527|
|Refinance - 15 year fixed||2.311%||0.588|
*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 $200,00, single-family home as a primary residence, 45-day rate lock (for purchases), 60-day rate lock (for refinances), credit score of 740, and a loan-to-value of 80%. Discount points may apply. Terms and conditions subject to change at any time without prior notice.
What our members are saying...
We just recently refinanced the house from a 30 year to a 15 year mortgage. Everything was handled seamlessly from beginning to end.
From the start of the process to the closing, the process was smooth and efficient. Every Fairwinds employee was knowledgeable and professional. I'm happy I made the decision to go with Fairwinds.
After shopping several mortgage lenders I found Fairwinds to have both the best rate and lowest closing costs. Bonus; I also found the nicest Loan Officer, Wynter in the process. Thank you Fairwinds I will be recommending you to my friends and family!
Tools and Resources
It's widely accepted that mortgage lenders want you to take out as much debt as you can possibly afford,…
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…
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…
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.
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.
FAIRWINDS does not service FHA or VA loans.