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.1

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Experience Peace of Mind with a Rate Re-Lock2

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

  • 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


  • 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

Mortgage 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.

Home Buying Seminars

Join us for free home buying seminars to learn tips and tricks for finding the right home, how to make an offer, and more.

Central Florida Real Estate Agents

Find your home with our trusted team of Central Florida real estate agents to guide you through the home-buying process with confidence.

Mortgage Savings Calculator

Interest Rate
Monthly Payment
Total Interest
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15-Year Mortgage Savings

Our Mortgage Rates

Fixed Rate



15 Year Fixed



20 Year Fixed



30 Year Fixed



Rates as of 07/23/24

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.

A family hugging, looking at a pair of keys.
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.

Financial Freedom happens here.®

FAIRWINDS does not service FHA or VA loans.

1 Payment made in the form of credit applied to closing costs. The delay must be caused by FAIRWINDS Credit Union in order to be eligible for the $5,000 credit towards your closing costs, $3,000 towards the buyer’s Closing Costs, and $2,000 towards the seller’s Closing Costs.

  • The closing date must be at least 30 days from the later of the loan application date and the purchase contract date.

  • All documents must be submitted to FAIRWINDS within 2 business days of a request: full income verification, complete asset statements, credit reporting documents, and any other documentation requested.

  • There are no credit-related disputes, such as credit reporting errors, which must be rectified prior to loan closing.

  • If Federal law requires a 3-day delay when providing updated disclosures, this duration shall not be included in a delay.

  • The appraisal report on the home must assign a value to the home equal to or greater than the purchase price of the home. The appraisal report must be acceptable to FAIRWINDS Credit Union.

  • Promotion is available for loan-to-values 97% or less.

  • You may not change the loan program or down-payment amount during the loan process.

  • All information listed on your loan application must be accurate and free of errors or omissions.

  • The closing may not be delayed by the seller or a third party, such as a real estate attorney or title company, failure to obtain a homeowner's insurance policy, flood zone determinations, inclement weather, a natural disaster, or other emergency outside of FAIRWINDS' control, etc.

You must close and fund the loan with FAIRWINDS Credit Union to receive the $5,000 credit toward your closing costs, $3,000 towards the buyer, and $2,000 towards the seller.

Offer applies only to loans to finance the purchase of a home. Offer not available on Construction-permanent financing, jumbo loan financing (loan amounts in excess of $726,200), home equity loans, home equity lines of credit, non-owner occupied residences, short-sale purchases, bank-owned/investor-owned properties, refinance transactions, condominiums, land, mobile home properties, or government loan programs. This program is subject to change and may be discontinued at any time.

2 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 the FAIRWINDS relock program.

3 Payment examples are for illustrative purposes only and do not include escrows. Your actual payment may be greater and savings will vary.

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. The rate lock cutoff time is 4:00 PM EST. Any lock requests received after 4:00 PM EST will be subject to tomorrow’s posted rates. Interest rates above are based on a loan amount of $250,000, a single-family home as a primary residence, a 45-day rate lock, a credit score of 780, and a loan-to-value of 80%. Discount points may apply. Terms and conditions are subject to change at any time without prior notice.

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 are subject to change at any time without prior notice.

± All normal closing costs are paid by FAIRWINDS. This includes the application fee, origination charge, appraisal, title insurance, settlement and search fees, recording fees, and mortgage document stamps. This does not include the prepaid escrow, first year’s homeowner’s insurance, property taxes, interim interest, and, in the case of a purchase, owner’s title insurance or deed document stamps, which are normally paid by the seller. If the loan is paid off within 3 years, you will be required to repay the closing costs paid by FAIRWINDS. No closing costs offer is not available in Massachusetts.


Routing Number ⑆ 263181368