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Stimulus Payments Update

Please visit our COVID-19 page for current updates regarding stimulus payments.

Holiday Reminder

FAIRWINDS branches will be closed on Monday, January 18 in observance of Martin Luther King Jr. Day. | 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 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 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
Rated 5 out of 5 by 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 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 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
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