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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!

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% 3.743% .125
20 year fixed 3.250% 3.432% .588
15 year fixed 2.750% 2.897% .389

*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 337.
Rated 5 out of 5 by from Fantastic! I have been a member a few years now and I would never go to a bank. I like having all of my financial in one place. I love the rates that are provided as they are much lower than any other entity. The employees are the best!
Date published: 2019-08-04
Rated 5 out of 5 by from Great Experience Excellent customer service. Knowledgeable staff made us feel valued
Date published: 2019-07-24
Rated 5 out of 5 by from Great value I have had a good working relationship with Fairwinds for over 20+ years.
Date published: 2019-07-24
Rated 5 out of 5 by from Extremely happy Worked with us every step of the way to ensure it all went smoothly.
Date published: 2019-07-21
Rated 5 out of 5 by from Smooth process The Fairwinds people who assisted during my refinance process are outstanding, they have made all the mortgage refinancing process easy and smooth, like sipping a mocha
Date published: 2019-07-17
Rated 5 out of 5 by from Great rates and better service! This was my second refinance with Fairwinds and it was even easier than in 2012. Several people worked with me on the refinance and everyone was extremely helpful and professional. They helped me gather all the necessary paperwork and even suggested ways to reduce my costs, things I didn't even know to question.
Date published: 2019-07-01
Rated 5 out of 5 by from Great People to Work With The people from Fairwinds were easy to work with. They kept me informed through out the process. They answered my questions and returned my phone calls promptly. I worked on line and with my local branch to complete the application process. Great People to Work With!
Date published: 2019-06-27
Rated 5 out of 5 by from Good experience The whole process for the mortgage was very quick an easy. The agent was also informative of all the options availavle.
Date published: 2019-06-23
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