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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
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
Popular Loan Rates
|Mortgage Type||Interest Rate||APR||Points|
|30 Year Fixed Rate||3.750%*||3.853%*||.407|
|15 Year Fixed Rate||2.875%*||3.095%*||.682|
|10 Year Adjustable Rate||3.250%*||3.174%*||.674|
|3 Year Adjustable Rate||2.250%*||2.778%*||.923|
*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% with 1 point rate discount fee. Discount points may apply. Rates are subject to change without notice.
On-Time Mortgage Closing
We will meet your mortgage closing date or we will pay you $1,000 towards closing costs!
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.
Tools and Resources
Should I refinance my mortgage?
Over the last couple of years with interest rates at a 40-year low, many people refinanced their mortgages. Even though rates have crept up over the last couple of months, refinancing may make sense for you. Use our refinance calculator to analyze your situation today!
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 you have. They look at all of your liabilities and obligations as well, including auto loans, credit card debt, child support, potential property taxes and insurance, and your overall credit rating. Use our home affordability calculator to determine how much of a mortgage you may be able to obtain.
Get an home insurance quote.