On-Time Mortgage Closing

We will meet your mortgage closing date or we will pay you $1,000 towards closing costs!

Learn More

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.

Rate Re-Lock Program

Mortgage rates can change, but our Rate Re-Lock Program has you covered.

One of the benefits of buying or refinancing your home through FAIRWINDS is locking your mortgage rate, even if rates go up.

During the mortgage application process, FAIRWINDS members have the opportunity to re-lock to a lower rate, at no additional charge. That way you can be sure that you’re receiving the best rate and best payment for your budget.

*Rate relock is available for mortgage purchase and mortgage refinance. After the first relock, there is a charge of $250.00 for each relock of the interest rate. The interest rate must be locked in at least 72 hours prior to the closing of your loan. If you choose to relock more than once, the fee is due at the time of the rate relock and is charged for each relock. This offer is subject to change at any time. Certain terms and restrictions apply.

**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.

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.