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fairwinds.org | 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!

Questions about a new mortgage?

We are here to help.

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.

Popular Loan Rates

Mortgage Type Interest Rate APR Points
30 year fixed 2.875% 3.019% .656
20 year fixed 2.500% 2.693% 1.057
15 year fixed 2.125% 2.333% .718

*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 EDT. Any lock requests received after 4:00 PM EDT 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 405.
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
Rated 5 out of 5 by from Thank you Fairwinds As a long term member of Fairwinds, I'm pleased with the staff and service provided
Date published: 2020-07-22
Rated 5 out of 5 by from Painless Process I was originally a member of the Orlando Legal Credit Union (1986) which became the Orlando Navy Federal Credit Union, which became Fairwinds.
Date published: 2020-07-22
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