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 |
Interest Rate |
APR |
Points |
| 30 year fixed |
2.750% |
0.862% |
2.914 |
| 20 year fixed |
2.375% |
2.582% |
1.096 |
| 15 year fixed |
2.000% |
2.263% |
1.016 |
*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 the purchase of a 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. |
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
407.
Rated 5 out of
5
by
Another Satisfied Member 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
Wahid 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
Marcus 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
RaiCris20 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
Alfie 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
Rated 5 out of
5
by
Tenzin from
Easy, quick and effortless
Kim was great! Very informative, responsive and very thorough.
Date published: 2020-08-21
Rated 5 out of
5
by
Leslienewmember from
Great experience!
From the start of the process to the closing, the process was smooth and efficient. Every Fairwinds employee was knowledgeable and professional. I'm happy I made the decision to go with Fairwinds.
Date published: 2020-07-28
Rated 5 out of
5
by
MeMe from
Happy as a clam!
I wasn’t going to use FAIRWINDS for my mortgage but the service I was getting from my initial lender choice was horrible. Switching to FAIRWINDS was the smartest thing. They were fast, efficient, and courteous.
Date published: 2020-07-24
