Holiday Reminder

FAIRWINDS branches will be closed on Monday, May 29 in observance of Memorial Day | wherever you are

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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!

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
  • 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

 Apply Now

Popular Loan Rates

Mortgage Type Interest Rate APR Points
30 Year Fixed Rate 4.000%* 4.106%* .404
15 Year Fixed Rate 3.125%* 3.348%* .669
10 Year Adjustable Rate 3.625%* 3.822%* .952
3 Year Adjustable Rate 3.250%* 3.761%* .654

*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.

FAIRWINDS Member Reviews

Home Mortgage is rated 4.6 out of 5 by 191.
Rated 5 out of 5 by from Great rate and great service! We had a couple of companies competing for our mortgage refinance. Fairwinds came out on top for both rate and service. We selected Fairwinds and are happy we did.
Date published: 2017-04-26
Rated 5 out of 5 by from Seamless service I was very impressed with the Fairwinds mortgage process from initial contact to closing.
Date published: 2017-04-25
Rated 5 out of 5 by from As simple as .... This was our second home we purchased using a FairWinds mortgage. Acquiring the mortgages was so simple. The rates were good. The staff who we worked with were polite, professional, knowledgeable, and expeditious. If we ever need another mortgage we will definitely be getting it from FairWinds.
Date published: 2017-04-24
Rated 5 out of 5 by from Great timing! With Fairwinds, I was able to remove my current PMI with a refi and now I'll be able to pay off my mortgage in shorter time (and lesser interest!).
Date published: 2017-04-18
Rated 5 out of 5 by from Everything went well Everything went very smooth
Date published: 2017-04-11
Rated 5 out of 5 by from So easy! We had the best experience with our Fairwinds mortgage. This was our 3rd home purchase and this was by far the easiest process we've ever had. Wynter and Sarah were awesome to work with and emailed me back to answer any questions almost immediately. I couldn't recommend Fairwinds any higher. I tell all my friends and family to use them and we have all our bank accounts and loans through them. Thank you so much!
Date published: 2017-04-10
Rated 5 out of 5 by from Exceptional service! From the moment I got an auto loan at Fairwinds I knew I would use them for my mortgage. It was the first home my husband a I purchased together.
Date published: 2017-04-05
Rated 5 out of 5 by from Quick, easy, and stress free Since I am inching closer to retirement, I decided to review my mortgage and compare it with current choices and rates. I routinely pay extra toward my principal and was unsure how to do the comparisons. My loan officer was able to make the comparisons and provide me with options which saved me money and payment years. Once I made the decision to go forward and the rate was locked in, the loan proceeded to closing in 34 days. From my initial contact at the branch office with Tracy, through my loan officer Sherri, loan processor Eduardo, and everyone they retained to handle survey, inspection, and closing, I was met with professionalism, courtesy, and cheerful assistance. The title closing officer, Cindy, even drove me back to my office because it started to rain while I was signing my paperwork. I am very pleased with my decision to work with Fairwinds on my new mortgage.
Date published: 2017-03-24
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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

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.