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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
  • 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

 Apply Now

Popular Loan Rates

Mortgage Type Interest Rate APR Points
30 year fixed 3.750% 3.886% .927
20 year fixed 3.625% 3.712% .355
15 year fixed 3.125% 3.238% .708

*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.

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 322.
Rated 5 out of 5 by 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 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 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 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 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
Rated 5 out of 5 by from Great Service Service was great and we had to rush closing and you made it happen, thank you so much!!
Date published: 2019-01-17
Rated 5 out of 5 by from Easy process We have been members of Fairwinds for many years... had many different types of loans, but this was first time we needed a mortgage. Process is easy and loan agents, managers, etc. are easy to work with.
Date published: 2018-12-30
Rated 5 out of 5 by from great service I want to thank Heather she answered all our question and was so helpful throughout the process.
Date published: 2018-12-19
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