Open the door to mortgage savings.

Whether you’re buying your first home or looking to refinance and save thousands of dollars in interest, we are here to help you every step of the way. Unlock mortgage solutions that match your goals for buying, refinancing, or building a home on your journey to Financial Freedom.

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Bi-Weekly Payment Options to Help You Save

Bi-weekly payment options are available to pay down your mortgage faster and save on interest over time.

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On-Time Closing Guarantee

We'll meet your mortgage closing date, or we'll cover $3,000 for you and $2,000 for the seller in closing costs.*

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Experience Peace of Mind with a Rate Re-Lock**

What if rates go down? You may be able to re-lock at a lower rate, helping you save even more.

Buy or Refinance

Highlights and Savings

  • Rates as low as ... (... APR) for a 30-year fixed-rate mortgage.

  • ...

  • 15-year short-term mortgage, helping you save thousands

  • Fixed-rate home loan options with terms of up to 30 years

  • Rate re-lock program available

  • No closing cost options ±

  • Quick pre-qualification

Details

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

  • $0 application fee

  • No pre-payment penalties

Additional Solutions to Meet Your Needs

See how we help you find, build, or improve your home.
Adjustable Rate Mortgages (ARMs)

Enjoy flexible interest rates with our adjustable-rate mortgages for short-term stays or refinancing to shorter terms.

Freedom Mortgage

Explore the freedom of our no-closing-cost mortgage option when purchasing or moving homes.

Construction-to-Permanent Loans

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

Land Loans

While you're designing your new home, we can assist you in securing the necessary financing.

First-Time Homebuyers Savings Program

Make first-time homebuying easier and more affordable with a savings account that can help you set aside funds toward your future down payment. 

Home Equity

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

Home Improvement Loan

Upgrade your home with ease! Borrow what you need for small projects like roof repairs or budget-friendly kitchen updates and pay it off quickly.

Community Heroes Mortgage Program

Designed to assist everyday heroes, we’re here to help you find a mortgage that fits your budget and achieve your homeownership goals.

How much will your monthly payments be?

Learn how a mortgage with FAIRWINDS can help you achieve the debt-free lifestyle you've been looking for.





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.

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7 Basics for First-Time Homebuyers

If you're a first-time homebuyer, we've got you covered with these basics for your home-buying journey.

This Mortgage Payment Strategy Can Save You Time and Money

Unlock mortgage savings with biweekly payments! Learn how a simple switch can save you thousands, accelerating your path to financial freedom.

Mortgage Interest Rates vs. APR – What’s the Difference?

First-time homebuyer? Decode "interest rate" and "APR." Understand these key terms for an informed and smooth home-buying journey.

Tools to Help You Save

Freedom Payments

Pay down your principal loan balance and save on interest by making Freedom Payments.

To make a payment, select the Freedom Payment option within FAIRWINDS Mobile or Online Banking.

Money Milestones

Answer a few quick questions to find out where you’re at with your finances and see which Money Milestone you’re on. Knowing your Money Milestone can help you focus on what you’re doing well and how you can go further.

Free Budgeting Tools

Track and adjust your spending, pay off debt, and save more, all from your mobile device.