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
- As little as 3% down on conventional mortgages
- Quick pre-qualification
- No intangible tax saves you $2 on every $1,000 borrowed (Ex. $400 on a $200,000 mortgage)
- No closing cost options
- All our mortgages are serviced locally
- No pre-payment penalties
Apply Now
Popular Loan Rates
| Mortgage Type |
Interest Rate |
APR |
Points |
| 30 year fixed |
3.750% |
3.903% |
.349 |
| 20 year fixed |
3.500% |
3.600% |
.009 |
| 15 year fixed |
2.875% |
3.050% |
.573 |
*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 80%. Discount points may apply. Rates are subject to change without 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
4.7 out of
5 by
340.
Rated 4 out of
5
by
Steve C from
Good Mortgage Value
I have been a member of FAIRWINDS since 2017 and decided to contact regarding a mortgage. I am glad I did!
Date published: 2019-09-04
Rated 5 out of
5
by
Telli from
Great work
It was a great process, and easy to get done. I know I was A client, but Angel did a great job.
Date published: 2019-08-25
Rated 5 out of
5
by
klosecr from
Amazing!
A friend recommended Fairwinds to me and I am so glad she did! They had the best mortgage rates, quickest closing I have ever seen, and very helpful staff.
Date published: 2019-08-24
Rated 5 out of
5
by
ROSIE POSIE from
Fantastic!
I have been a member a few years now and I would never go to a bank. I like having all of my financial in one place. I love the rates that are provided as they are much lower than any other entity. The employees are the best!
Date published: 2019-08-04
Rated 5 out of
5
by
SuzanneL from
Great Experience
Excellent customer service. Knowledgeable staff made us feel valued
Date published: 2019-07-24
Rated 5 out of
5
by
Ronnie from
Great value
I have had a good working relationship with Fairwinds for over 20+ years.
Date published: 2019-07-24
Rated 5 out of
5
by
RandyB from
Extremely happy
Worked with us every step of the way to ensure it all went smoothly.
Date published: 2019-07-21
Rated 5 out of
5
by
ItalianDud from
Smooth process
The Fairwinds people who assisted during my refinance process are outstanding, they have made all the mortgage refinancing process easy and smooth, like sipping a mocha
Date published: 2019-07-17
