Questions about a new mortgage?
We are here to help.
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.
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 cash-back benefit along the way.
Learn More about Looking for a homeFAIRWINDS Credit Union mortgage
FAIRWINDS rates as low as
5.242%
APR† 15 Yr Fixed
VS
National Average*
5.79%
APR† 15 Yr Fixed
$13,142 is the difference between the amount paid in interest between FAIRWINDS Credit Union's rate at 5.242% APR compared to 5.792% 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 135108 financial institution locations in the National market as of December 6, 2022.
†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
Places Where We Do Home Loans
We offer lending in California, Colorado, Connecticut, Florida, Georgia, Massachusetts, North Carolina, South Carolina, Texas and Virginia.
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.
Popular Loan Rates
| Mortgage Type | APR* | Points | |
|---|---|---|---|
| 30 year fixed 360 months at 5.88% (6.011% APR) for a $250,000 loan would result in a monthly payment of $1,478.84. |
6.011% | .793 | |
| 20 year fixed 240 months at 5.63% (5.756% APR) for a $250,000 loan would result in a monthly payment of $1,737.42. |
5.756% | .400 | |
| 15 year fixed 180 months at 5.00% (5.242% APR) for a $250,000 loan would result in a monthly payment of $1,976.98. |
5.242% | .911 | |
*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 EST. Any lock requests received after 4:00 PM EST 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 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...
Amazing team!!!
From start to finish, my home purchase was easy and on time. All of my questions were answered quickly and professionally.
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
-
Mortgage Calculator
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.
Learn more about Garry Capton
Sr. Mortgage Loan Officer
NMLS #784119
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
Learn more about Seth True
Mortgage Loan Officer
NMLS #1197452
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.