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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!

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 4.500%* 4.598%* .437
15 Year Fixed 3.750%* 3.829%* .294
5/1 A.R.M. 4.000%* 3.146%* .146

*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 4.7 out of 5 by 248.
Rated 5 out of 5 by from Fantastic!!!! I’ve been a member with fairwinds for several years now. This was my first mortgage and for future homes I will only use fairwinds. They made the process as easy as they could and were very professional!
Date published: 2018-03-16
Rated 5 out of 5 by from Total customer service Every step of the way FFCU was there to help me and make the process simple
Date published: 2018-03-09
Rated 5 out of 5 by from Great to Work With We have been Fairwinds members since moving here 30 years ago. Recently refinanced lower interest rate and shorten term of loan. Tracie worked with us every step of the way. She was fantastic to work with and kept us informed every step of the way. She also followed up to make sure things were as we wanted. I love Fairwinds!
Date published: 2018-02-25
Rated 5 out of 5 by from Professional This is our 3rd interaction with Fairwinds and we have been pleased from the start
Date published: 2018-02-25
Rated 5 out of 5 by from Great Service Painless mortgage process. Everyone involved was friendly and answered my many questions. Online process made things simple.
Date published: 2018-02-21
Rated 5 out of 5 by from Straightforward process My mortgage experience was pretty simple and straightforward. The communication was excellent. The entire process was completed in a timely fashion with no surprises!
Date published: 2018-02-08
Rated 4 out of 5 by from Good Customer Service Buying a home has never been so easy! I feel so knowledgable about the entire process! And I got a great mortgage rate!
Date published: 2018-01-29
Rated 5 out of 5 by from Home Mortgage Mortgage team did a great job providing us what we needed.
Date published: 2018-01-29
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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.