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 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 |
3.375% |
3.455% |
.500 |
| 20 year fixed |
3.125% |
3.219% |
.689 |
| 15 year fixed |
2.750% |
2.819% |
.417 |
*Rates are updated frequently and are subject to change without notice. Rate lock cutoff time is 4:00 PM EDT. 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. |
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
372.
Rated 5 out of
5
by
MJL from
Effortless
Applied to refinance a mortgage and was able to close in around 30 days. Heather L was great. Answered all questions with ease. Joining the Credit Union was easy too.
Date published: 2020-04-01
Rated 5 out of
5
by
Neftali from
Great experience!!
I've been banking with Fairwinds for 11yr's best credit union with exceptional service
Date published: 2020-03-30
Rated 5 out of
5
by
Don H from
Excellent outcome
We entered the re-finance process in a time of declining rates. The branch manager and the mortgage officer were careful not to over-promise but they certainly did over-deliver. Our mortgage was re-locked twice at a lower rate. We really were pleased.
Date published: 2020-03-26
Rated 5 out of
5
by
José and Millie from
Great service!
I originally started the refinance process with another company. Fairwinds Credit Union lowered the interest rate on the loan and included all of our debt, making them the best choice!
Date published: 2020-03-21
Rated 5 out of
5
by
REBELBUFF from
Great service
They stayed with me and worked continuously to get my refinance done.
Date published: 2020-03-20
Rated 5 out of
5
by
Porkychedwick from
Great experience!!!
By far the easiest mortgage reference I've ever had and I couldn't be happier with everyone at Fairwinds Credit Union.
Date published: 2020-03-14
Rated 5 out of
5
by
Moyo from
Great Work
I love Fairwinds. The service and people are great.
Date published: 2020-03-03
Rated 5 out of
5
by
Dmicohen from
Fast and easy
Great Mortgage Team got it done fast excellent service
Date published: 2020-02-25
