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FAIRWINDS branches will be closed on Monday, January 20 in observance of Martin Luther King Jr. Day.

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!

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

 Apply Now

Popular Loan Rates

Mortgage Type Interest Rate APR Points
30 year fixed 3.625% 3.823% .661
20 year fixed 3.250% 3.442% .654
15 year fixed 2.875% 3.029% .429

*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 80%. 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 359.
Rated 5 out of 5 by from Smooth process I’ve been a member of Fairwinds since I moved to Orlando almost 4 years ago. When the time came to start looking at homes, I shopped for loans at different places. Once I got in touch with Fairwinds, Kim and Sarah took the time to help me through the entire process. As I first time homebuyer, I had a lot of questions and they had even more patience. They walked me through everything with care and thoughtfulness. They answered all my questions and broke everything down for a rookie. When I had to choose on a lender, there was no question about it. Fairwinds has proven to be the financial provider that best fits my needs. They got me an amazing deal and they treat you with the type of service that is unmatched in big banks. 11/10!!
Date published: 2020-01-01
Rated 5 out of 5 by from Good experience Went into Fairwinds looking for a loan, came out on track for a mortgage refinance that would more than meet my needs and save me money in the long term. Great experience, wonderful people.
Date published: 2019-11-30
Rated 5 out of 5 by from Great Customer Service The mortgage process was very smooth, and all questions were answered.
Date published: 2019-11-18
Rated 5 out of 5 by from Lowered!!!! We are fairly new Fairwinders.....Mortage rate LOWERED.......Mortage payment LOWERED.......Mortage length LOWERED..process was smooth & easy.....closing was quick......we're hoooked!!!!
Date published: 2019-11-15
Rated 5 out of 5 by from Experienced Professionals! Taylor G. & Lindsey B. were wonderful to work with and Fairwinds provided a great rate.
Date published: 2019-11-14
Rated 5 out of 5 by from Great rate, easy process! I have been a Fairwinds customer for many years and the service provided has always been considerate and professional.
Date published: 2019-11-03
Rated 5 out of 5 by from Mortgage process I have had many mortgages in the past. This was my first mortgage with Fairwinds and by far my best experience with a mortgage application . The Fairwind's mortgage team did a great job processing and communicating along the way. Hats off to the mortgage team . If I ever need another mortgage the decision is easy .
Date published: 2019-10-28
Rated 5 out of 5 by from Simplified Home Mortgage Process Initially I was inquiring about a loan for solar panels, then I ended up doing a refinance on my mortgage and equity loan, and tying in the loan for solar. I couldn't turn down what I was offered to bundle! The whole process was very simple, and communication arrived timely whether it was from Fairwinds, or a response to a question I had.
Date published: 2019-10-24
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