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 $.20 on every $100 borrowed)
- No closing cost options
- All our mortgages are serviced locally
- No pre-payment penalties
Popular Loan Rates
| Mortgage Type | Interest Rate | APR | Points |
|---|---|---|---|
| 30 Year Fixed Rate | 3.250%* | 3.396%* | .947 |
| 15 Year Fixed Rate | 2.500%* | 2.730%* | .745 |
| 10 Year Adjustable Rate | 2.875%* | 3.168%* | .973 |
| 3 Year Adjustable Rate | 2.625%* | 3.240%* | .758 |
*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% with 1 point rate discount fee. Discount points may apply. Rates are subject to change without notice. |
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FAIRWINDS Member Reviews
Home Mortgage is rated
out of
5 by
140.
Rated 5 out of
5 by
GM08 from
Member Service #1
We just closed on a new home a month ago with Fairwinds. Tracie and Carly (my personal branch contact for the past 5 years) were awesome throughout the whole process of the deal. And the Home Advantage/CU Realty Services program is sensational with the ability to work with a professional Realtor; like Dora, hand in hand with Fairwinds. Fairwinds fees and rates were lower or in line with national companies that I shopped and compared. In the end, from the relationship with Carly and Fairwinds over the years as a Member…I knew I was going to be treated the best and fairly by Fairwinds. This was one transaction that went smoothly, and the entire team exceeded my expectations on every level.
Date published: 2015-10-21
Rated 3 out of
5 by
Andrew from
Retire your mortgage, okay
Rate was quoted with a point calculated in to the original GFE, but I was not told about it till I went to rate lock. The rate lock processed at a higher percent than I expected due to home value being estimated lower. However, once the appraisal came in, I was in the range to get a better rate, but it was too late to lock it higher. Rate was still better than I had, but not as good as I should have got. Closing costs were covered, but the way they transferred to the GFE was confusing. Additionally, my FHA closing date was missed, so I had to wait a month in order to avoid paying interest on two loans... Fairwinds was easy to work with, but there were issues along the way I had to pay attention to.
Date published: 2015-07-31
Rated 5 out of
5 by
Charles C from
Exceptional Service Once Again!!
About 3 months ago, I became a member and refinanced my vehicle through Fairwinds. At that time, I received exceptional service from all employees, including Josh, at the Alafaya location.
Recently, I purchased a new home using Fairwinds online, due to past Service & Rates and again, EXCEPTIONAL service from Fairwinds employees such as Lee, Carmella, Mickey and many more for a seamless and quick closing!
Even after my closing, the service continues and I want to say thank you very much!!!
I have only been a member for only a short period of time and this is true personal banking. Fairwinds employees build relationships with their members and that is a great and comforting experience.
Again, thank you very much!
Member for life,
Charles C.
Date published: 2015-10-30
Rated 5 out of
5 by
Jammember84 from
Best Mortgage Ever!
I have been a member of Fairwinds for many, many years. I have had car loans and several different accounts and my family are members too. When I decided to move to north Florida I contacted Sherrie Mabe, a loan officer, to feel the waters about getting my mortgage with Fairwinds. She was so positive, professional and helpful I knew Fairwinds was the place for our mortgage. From the approval letter to the closing the mortgage was flawless. I really am thankful to work with such great people and happy to have my mortgage with Fairwinds.
Date published: 2015-09-04
Rated 5 out of
5 by
PAuffant from
Fantastic until the closing came
The overall experience was extraordinary. Sherri Mabe and Dawn Fernander were there for us all the time. They were professional, easy to get in touch with, provided acurate and timely information and willing to support changes and adjustments along the process. The being said... at the closing, in order to complete the transaction on that day WE WERE FORCED TO MAKE A DISCLOSURE REGARDING ETHNICITY ON THE HUD-1 FORM THAT I HAD REFUSED TO DO WHEN I ORIGINALLY APPLIED FOR THE LOAN. I provided feedbak on this issue on a form given to us at closing to rate the service and apparently no one reads those things or just don't care. When dealing with Fairwings on a mortgage maybe you should request advance copies of the papers you will be asked to sign so you avoid surprises at closing....
Date published: 2015-09-02
Rated 5 out of
5 by
Joe Rodriguez from
Amazing experience!
I was shopping around for a specific product (mortgage) and I just happened to walk in to a branch, the service from the moment I walked in blew my expectations through the roof. From the application, to the the day of the closing, the experience was a breeze. Kim kept me informed at all times, and she (along with her team) manage to get my mortgage closed in less than 18 days, what an experience. I now bank, and give all my business to FW. That's why I HIGHLY RECOMMEND FW, you won't be disappointed.
Date published: 2015-10-24
Rated 5 out of
5 by
MichelleR from
Awesome experience!
I had a wonderful experience with my whole mortgage process. My loan officer, Kim, helped me every step of the way. She was knowledgeable and understanding and every time I spoke with her, I had her full attention. She was able to guide me seamlessly through from start to finish. The gift basket at closing was a nice touch, as was finally meeting her in person. When I need a mortgage again, I will be contacting her first. No point in bothering with any other bank!
Date published: 2015-10-14
Rated 2 out of
5 by
BHGINFL from
Poor customer service
Although I have good credit, the process did not go smoothly. This is my fourth property and therefore I am familiar with the mortgage process. My loan processor requested a variety of documents that should have been irrelevant. Each time I asked her the reason for the request she never knew why. I was ready to go elsewhere when they finally told me that the loan was approved. The process started in January and I was not approved until mid April.
Date published: 2016-05-24
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 MoreLoans 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.
