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fairwinds.org | Get the freedom to go further.

You've found your home and you're ready to buy! Our mortgage professionals are here to help you every step of the way. Let's get started!

Whether you're looking for flexible terms, competitive rates or low-to-no closing costs, our dedicated mortgage professionals will provide you with a suitable solution.

Home Purchase

  • No application fee
  • Quick pre-qualification
  • No closing cost options
  • All our mortgages are serviced locally
  • No pre-payment penalties

 Apply Now

FAIRWINDS does not service FHA or VA loans.

Purchase Loan Rates

Mortgage Type APR Points
30 year fixed 3.286% 1.054
20 year fixed 2.980% 1.125
15 year fixed 2.508% .816

*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 $200,00, single-family home as a primary residence, 45-day rate lock (for purchases), 60-day rate lock (for refinances), 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.

Special Mortgage Programs

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

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 Member Reviews

Home Mortgage is rated 4.8 out of 5 by 410.
Rated 5 out of 5 by from Professional I'm a Fairwinds member since 1995, always have a great service and product.
Date published: 2021-03-13
Rated 5 out of 5 by from Great Experience I feel that I made a great decision becoming a member of FAIRWINDS. Great bank to work with.
Date published: 2021-03-07
Rated 5 out of 5 by from Great Bank and people I have been banking with fairwinds for over 15 years now and they’ve been with me through most of of my big purchases. They’re always honest and gives that hometown feel while being very competitive with their rates. I also appreciate the people who work there and the culture of the bank. Nice job and please keep doing what you’ve been doing all these years. It’s worked for me and I hope to continue to work your bank and people.
Date published: 2021-02-25
Rated 5 out of 5 by from Great experience! From application to closing, this was the best and smoothest mortgage I’ve ever done. Fairwinds staff was knowledgeable, friendly, and easy to reach when I had a question. Start to finish also faster than any other lender. Thank you, Fairwinds, for the personal touch!
Date published: 2021-01-02
Rated 5 out of 5 by from Great experience! I started with Fairwinds since I started building up my credit and they helped all along.
Date published: 2020-12-29
Rated 5 out of 5 by from Home Re-Fi I have been a member for a decade and have enjoyed great service for personal banking and car loans. This time, I was able to refi my house seamlessly and in a quick time. My wife and I are very happy.
Date published: 2020-09-14
Rated 5 out of 5 by from Easy Refinance Since I’m a member of Fairwinds, I refinanced my car and recently I did my mortgage. Both processes were smooth, easy and fast. I’m very pleased with Fairwinds
Date published: 2020-09-03
Rated 5 out of 5 by from Great Fairwinds TEam I am turning from the major banks to Fairwinds due to the reviews from friends. I have been very happy with the professionalism and friendliness of everyone. My mortgage and vehicle refinances went through smoothly with no pain.
Date published: 2020-08-26
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