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FAIRWINDS branches will be closed on Thursday, November 22 in observance of Thanksgiving Day.

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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
  • FHA and VA loans available

 Apply Now

Popular Loan Rates

Mortgage Type Interest Rate APR Points
30 year fixed 4.625% 4.775% .993
20 year fixed 4.500% 4.588% .294
15 year fixed 4.000% 4.124% .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%. 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 306.
Rated 5 out of 5 by from Very EZ to work with Very EZ to do Bank personal very helpful most pleasant to deal with !
Date published: 2018-11-11
Rated 5 out of 5 by from New Mortgage Excellent experience; loved that everything was completed electronically.
Date published: 2018-11-08
Rated 5 out of 5 by from Excellent Service I got my mortgage loan from Fairwinds a month ago and I feel really happy for several reasons: Personnel was very professional and supported us in all the process. I strongly recommend Fairwinds as a strong and very good financial institution which is very customer oriented and gave us the best deal.
Date published: 2018-11-05
Rated 5 out of 5 by from Happy ending I join Fairwinds Credit union when I move from out of town. I am so happy I did. I got pre-approved and went house hunting. I found a new home and the constructor offered me 7K if I finance my house with them. Well the interest rate they offer was 2 points higher than the credit union and 6K more for closing cost. So I came back to FAIRWINDS where I ended up saving on the rate and the closing cost. Thank you Fairwinds.
Date published: 2018-10-28
Rated 5 out of 5 by from Everyone was extremely helpful! Superior service! From the application process to closing! Explained everything every step of the way!
Date published: 2018-10-27
Rated 5 out of 5 by from Excellent Service & Great Value I have been a Fairwinds Customer for over 2 decades and their service is excellent! They helped in making the refinance process seem almost effortless.
Date published: 2018-10-25
Rated 5 out of 5 by from Mortgage Fairwinds is so easy to work with. They made my mortgage a very pleasant experience. Jeremy was amazing!
Date published: 2018-10-22
Rated 5 out of 5 by from AMAZING!!! This was our second mortgage through Fairwinds and sixth overall. It couldn't have been handled more professionally. The process is easy and they are very proactive and responsive.
Date published: 2018-10-18
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