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Save up to $15,888 with a

FAIRWINDS Credit Union mortgage

FAIRWINDS rates as low as
6.375%
APR 15 Yr Fixed*

VS

National Average*
7.01%
APR 15 Yr Fixed*

$15,888 is the difference between the amount paid in interest between FAIRWINDS Credit Union's rate at 6.375% APR compared to 7.013% 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 136198 financial institution locations in the National market as of September 29, 2023.
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

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Guarantee

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

Short-Term Mortgage

Short-Term Mortgage

A 15-year mortgage could save you thousands in interest and have you paying off your mortgage sooner.

Learn Moreabout the benefits of a short-term mortgage.

Guarantee

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


Mortgage Rates

Purchase Loan Rates

Mortgage Type Rates APR* Points
30 year fixed

360 months at 7.00% (7.152% APR) for a $250,000 loan would result in a monthly payment of $1,663.26.

7.000% 7.152% .805
20 year fixed

240 months at 6.75% (6.954% APR) for a $250,000 loan would result in a monthly payment of $1,900.91.

6.750% 6.954% .864
15 year fixed

180 months at 6.38% (6.622% APR) for a $250,000 loan would result in a monthly payment of $2,160.63.

6.375% 6.622% .833

*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 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 $250,000, single-family home as a primary residence, 45-day rate lock, credit score of 780, and a loan-to-value of 80%. Discount points may apply. Terms and conditions subject to change at any time without prior notice.

Jumbo Loan Rates

Mortgage Type Rates APR* Points
30 year Jumbo Mortgage

360 months at 6.50% (6.659% APR) for a $726,200 loan would result in a monthly payment of $4,590.08.

6.500% 6.659% .917
20 year Jumbo Mortgage

240 months at 6.25% (6.452% APR) for a $726,200 loan would result in a monthly payment of $5,308.00.

6.250% 6.452% .875
15 year Jumbo Mortgage

180 months at 5.75% (5.986% APR) for a $726,200 loan would result in a monthly payment of $6,030.44.

5.750% 5.986% .793

*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 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 $726,200, single-family home as a primary residence, 45-day rate lock, credit score of 780, and a loan-to-value of 80%. Discount points may apply. Terms and conditions subject to change at any time without prior notice.

Refi Loan Rates

Mortgage Type Rates APR* Points
30 year fixed

360 months at 7.00% (7.152% APR) for a $250,000 loan would result in a monthly payment of $1,663.26.

7.000% 7.152% .805
20 year fixed

240 months at 6.75% (6.954% APR) for a $250,000 loan would result in a monthly payment of $1,900.91.

6.750% 6.954% .864
15 year fixed

180 months at 6.38% (6.622% APR) for a $250,000 loan would result in a monthly payment of $2,160.63.

6.375% 6.622% .833

*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 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 $250,000, single-family home as a primary residence, 45-day rate lock, credit score of 780, and a loan-to-value of 80%. Discount points may apply. Terms and conditions subject to change at any time without prior notice.

Adjustable-Rate Mortgage Loan Rates

Mortgage Type Rate APR* Points
5/5 ARM

For a 30-year loan of $500,000, you would make 60 payments of $3,242.99 at 6.75% (7.162% APR), followed by 300 payments based on the then-current variable rate.

6.750% 7.162% .806
10/6 ARM

For a 30-year loan of $500,000, you would make 120 payments of $3,242.99 at 6.75% (7.029% APR), followed by 240 payments based on the then-current variable rate.

6.750% 7.029% .806

Early ARM disclosures

*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 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 $500,000, single-family home as a primary residence, 45-day rate lock, credit score of 780, 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...

      - Sctwarner

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

  • Start saving for your first home.

    Before you start house hunting and picking out paint colors, let us help you with the first major step…

  • 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…

  • What monthly payments are needed to pay off my loan sooner?

    Many of us desire to have some debts cleared before starting other significant life events such as retirement,…

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.

Learn Moreabout our My First Home Savings Account

Special Mortgage Programs

Adjustable-rate mortgage loans

Adjustable Rate Mortgages

Achieve your dream of homeownership with our flexible and affordable adjustable-rate mortgage loans.

Learn more about Adjustable Rate Mortgages

Land Loan Financing Options

Land Loans

Once you find the location to build your home, we have the solutions to help you secure affordable land financing.

Learn more about Land Loans

Property Loans

Construction-to-Permanent Financing

Looking to build your home from the ground up? We have solutions to help you secure affordable financing.

Learn more about Construction-to-Permanent Financing

A step towards financial freedom.

Freedom Mortgage

Whether you're purchasing your first home or moving to a new house, enjoy the freedom of this no closing cost mortgage.

Learn more about Freedom Mortgage

Places Where We Do Home Loans

We offer lending in Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Massachusetts, North Carolina, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, and Washington.

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.