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Home sweet home.

Whether you're starting your search, ready to finance or want to refinance, we're here for you.

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Everything you need to get in your home.

We are your one-stop shop when it comes to your loan.

Home sweet savings.

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
Let's get your home financed.

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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Time to refinance?

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
Save up to $9,142 with a

FAIRWINDS Credit Union mortgage

FAIRWINDS rates as low as
APR 30 Yr Fixed


Orlando-Kissimmee Metro Average*
APR 30 Yr Fixed

$9,142 is the difference between the amount paid in interest between FAIRWINDS Credit Union's rate at 4.503% APR compared to 4.673% 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 June 23, 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!

Learn Moreabout our On-Time Mortgage Closing


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.

Learn Moreabout our Rate Re-Lock Program

Popular Loan Rates

Mortgage Type Interest Rate APR Points
30 year fixed 4.375% 4.503% .630
20 year fixed 4.125% 4.254% .683
15 year fixed 3.750% 3.878% .721

*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...

      - Mathew


I joined Fairwinds to take advantage of their "Retire Your Mortgage" program. This is a great product. Everyone worked hard to get me approved.

Tools and Resources

  • Mortgage Calculator

    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.