Adjustable-Rate Mortgages

Enjoy the flexibility of changing interest rates, ensuring you always have the best deal possible. An adjustable-rate mortgage is an option if you plan to stay in your home for only a few years.

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Benefits of Financing with FAIRWINDS

  • 5/5 and 10/6 term options available

  • Lower initial interest rate

  • Potential for rate decreasing over time

  • Rate re-lock program1

  • Quick pre-approval

  • $0 application fee

  • No pre-payment penalties

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We offer Mortgage Solutions across the country!

A graphic of the US map that highlights the states we offer mortgage services in.

Mortgage solutions are available to members in Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Massachusetts, North Carolina, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, and Washington.

What would your initial adjustable mortgage payment be?

Unlike fixed-rate mortgages, the payments on an adjustable-rate mortgage will vary as interest rates change. Use our Adjustable Rate Mortgage (ARM) calculator to see how interest rate assumptions will impact your monthly payments and the total interest paid over the life of the loan.

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Consumer Handbook on ARMs Cover

Consumer Handbook on ARMs

This handbook gives you an overview of adjustable-rate mortgages (ARMs), explains how ARMs work, and discusses some of the issues you might face as a borrower.

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Our mortgage experts are here for you.

Have questions or need help along the way? We are here to serve you! Call (888) 413-0672 to talk with one of our mortgage lending experts.

Meet Our Team

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Other Loan Options

Fixed-Rate Mortgage

Secure your future with our fixed-rate mortgage option, giving you peace of mind with predictable monthly payments for the life of your loan.

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Home Equity

Planning home improvement projects? We can help you find the best home equity option for your needs.

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Land Loans

As you design your new home, we can help you obtain the land.

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Construction-to-Permanent Loans

Build your dream home with the freedom and flexibility you deserve.

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Financial Freedom happens here.®

Footnotes

    FAIRWINDS NMLS #715408

    1. Rate re-lock is available for mortgage purchase and mortgage refinance. After the first relock, there is a charge of $250.00 for each relock of the interest rate. The final interest rate must be locked in at least seven days prior to the closing of your loan. If you choose to relock more than once, the fee is due at the time of the rate relock and is charged for each relock. This offer is subject to change at any time. Certain terms and restrictions apply. Applicants choosing to participate in the Fannie Mae HomeReady®, FHA, or VA programs are not eligible for theFAIRWINDS relock program.

    2. APR = Annual Percentage Rate. Rates are updated frequently and are subject to change without notice. Your actual rate is based on your credit quality, down payment, loan term, and amount financed.

    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 does not service FHA or VA loans.

    Download Early ARM Disclosures

    Routing Number ⑆ 263181368
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