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
- FHA and VA loans available
Popular Loan Rates
| Mortgage Type | Interest Rate | APR | Points |
|---|---|---|---|
| 30 year fixed | 3.750% | 3.880% | .884 |
| 20 year fixed | 3.625% | 3.705% | .291 |
| 15 year fixed | 3.000% | 3.130% | .967 |
*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 60%. Discount points may apply. Rates are subject to change without notice. |
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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 MortgageLoans 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
out of
5 by
325.
Rated 5 out of
5
by
KHemp from
Doing business with family
I became a member of Fairwinds as soon as I moved to Florida around 2000. They always go out of their way to make you feel comfortable and part of the family. Very easy to work with and always there to help when you need in financial parts of your life. Hands down purchasing my new home was the easiest I have ever done. Step by step they guided and advised how to be successful.
Date published: 2019-05-08
Rated 5 out of
5
by
VJ 9 from
Easy to work with!
Great staff, great follow through, would highly recommend. Great rates on top of everything else!
Date published: 2019-04-29
Rated 5 out of
5
by
Michel from
World Class Experience
I recently re-financed my home with Fairwinds and would recommend to anyone. My Loan officer was so knowledgeable, patient and helped me understand each step of the process. I could not be happier with the experience and have full trust in my new account with Fairwinds.
Date published: 2019-03-22
Rated 5 out of
5
by
ZebD from
Awesome service and rate!!!!
I joined FAIRWINDS a year ago with a savings account. I now have a car loan, mortgage, credit card, savings account, and checking account. Yesenia at the Narcoosee branch and Sylvia in mortgage are OUTSTANDING!!!
Date published: 2019-03-16
Rated 5 out of
5
by
KC29 from
Great rate & customer service
We had an excellent experience working with Fairwinds to secure a loan for our first house. We received a great rate (lower than the other places we applied for pre-approval with). Our loan officer was always there to answer any questions for us. She responded in a very timely manner every time. Things went smoothly and there were no last minute surprises. Fairwinds completed everything ahead of schedule - despite that our timeline stretched the Christmas/New Years holidays. I would not hesitate to recommend Fairwinds to my family and friends.
Date published: 2019-03-12
Rated 5 out of
5
by
SuePHIL from
Great experience, so helpful!
I got a mortgage consolidation with the DeLand and Orlando office and they were so amazing. Going to a credit union means you are a person not a number. Wynter in the Orlando office was with me every step of the way. Don't go with huge corporate banks who don't care about you and will rip you off.
Date published: 2019-02-24
Rated 5 out of
5
by
Don M from
Great experience with Fairwinds
A friend of mine is a Fairwinds member who was very happy with his mortgage. We are thankful that he referred us to Fairwinds, very positive experience for us.
Date published: 2019-02-17
Rated 5 out of
5
by
Wpbeer from
Excellent lLending Experience
Our mortgage experience with Fairwinds was fast, easy, and convenient. The customer service we received exceeded our expectations.
Date published: 2019-01-26