Questions about a new mortgage?
We are here to help.
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 |
4.000% |
4.105% |
.009 |
| 20 year fixed |
3.500% |
3.693% |
.640 |
| 15 year fixed |
3.000% |
3.147% |
.365 |
*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
353.
Rated 5 out of
5
by
GrayOx from
Great rate, easy process!
I have been a Fairwinds customer for many years and the service provided has always been considerate and professional.
Date published: 2019-11-03
Rated 5 out of
5
by
DavidM from
Mortgage process
I have had many mortgages in the past. This was my first mortgage with Fairwinds and by far my best experience with a mortgage application . The Fairwind's mortgage team did a great job processing and communicating along the way. Hats off to the mortgage team . If I ever need another mortgage the decision is easy .
Date published: 2019-10-28
Rated 5 out of
5
by
UO Team Member from
Simplified Home Mortgage Process
Initially I was inquiring about a loan for solar panels, then I ended up doing a refinance on my mortgage and equity loan, and tying in the loan for solar. I couldn't turn down what I was offered to bundle!
The whole process was very simple, and communication arrived timely whether it was from Fairwinds, or a response to a question I had.
Date published: 2019-10-24
Rated 5 out of
5
by
DaveH from
Great experience!!!
After shopping several mortgage lenders I found Fairwinds to have both the best rate and lowest closing costs. Bonus; I also found the nicest Loan Officer, Wynter in the process. Thank you Fairwinds I will be recommending you to my friends and family!
Date published: 2019-10-02
Rated 2 out of
5
by
Renu from
Poor service
I had to consistently contact my mortgage loan officer for updates or even information. Even after closing the house, we are not too sure about what exactly our payments include and have to contact the bank.
Date published: 2019-09-29
Rated 5 out of
5
by
acmech1 from
great process
I have been with Fairwinds for many years always a great experiance
Date published: 2019-09-19
Rated 5 out of
5
by
Scott12 from
Great rate and great service.
My refinance process could not have gone any easier. The people that worked with me were awesome.
Date published: 2019-09-19
Rated 5 out of
5
by
TodGerCap95 from
My #1 choice since 1996
I have been a member of Fairwinds for over 20 years. I have used multiple varieties of their services and have never once been disappointed. Always efficient always helpful always friendly. I never once thought twice about turning to Fairwinds for any of my financial needs or services.
Date published: 2019-09-19
