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Looking for a home

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Places Where We Do Home Loans

We offer lending in California, Colorado, Connecticut, Florida, Georgia, Massachusetts, North Carolina, South Carolina, and Texas.

Save up to $8,871 with a

FAIRWINDS Credit Union mortgage

FAIRWINDS rates as low as
APR 15 Yr Fixed


National Average*
APR 15 Yr Fixed

$8,871 is the difference between the amount paid in interest between FAIRWINDS Credit Union's rate at 2.092% APR compared to 2.514% APR for the National market average over the life of a $250,000 mortgage over 180 months.

*Based upon independent research conducted by Datatrac for 133009 financial institution locations in the National market as of July 28, 2021.
APR = Annual Percentage Rate

Have questions? Available 24/7, a mortgage expert is here for you.

Call 407.206.8125 or 1.888.413.0672 to speak to one of our specialized mortgage lenders.

Get started now, or call 1.888.413.0672

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On-Time Mortgage Closing

We will meet your mortgage closing date or we will pay you $1,000 towards closing costs!

Learn Moreabout our On-Time Mortgage Closing

Short-Term Mortgage

Short-Term Mortgage

A 15-year mortgage could save you thousands in interest and have you paying off your mortgage sooner.

Learn Moreabout the benefits of a short-term mortgage.


Rate Re-Lock Program

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

Learn Moreabout our Rate Re-Lock Program

Popular Loan Rates

Mortgage Type APR Points
Purchase - 30 year fixed 2.887% 0.932
Purchase - 20 year fixed 2.667% 0.690
Purchase - 15 year fixed 2.092% 0.716
Refinance - 30 year fixed 2.888% 1.039
Refinance - 20 year fixed 2.669% 0.810
Refinance - 15 year fixed 2.090% 0.799

*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. Rate lock cutoff time is 4:00 PM EDT. Any lock requests received after 4:00 PM EDT will be subject to tomorrow’s posted rates. Interest rates above are based on a loan amount of $200,00, single-family home as a primary residence, 45-day rate lock (for purchases), 60-day rate lock (for refinances), credit score of 740, and a loan-to-value of 80%. Discount points may apply. Terms and conditions subject to change at any time without prior notice.

What our members are saying...

      - Don M

Great experience with Fairwinds

A friend of mine is a Fairwinds member who was very happy with his mortgage. We are thankful that he referred us to Fairwinds, very positive experience for us.



Fairwinds is so easy to work with. They made my mortgage a very pleasant experience. Jeremy was amazing!


Great Experience!

I applied for a mortgage loan through FAIRWINDS and it could not have been a smoother process. Application was easy as was the approval. They kept me informed every step of the way and were always available to answer any questions I had promptly. An overall terrific experience from application to closing.

Tools and Resources

  • Mortgage Calculator

    It's widely accepted that mortgage lenders want you to take out as much debt as you can possibly afford,…

  • How much home can I afford?

    When you're buying a home, mortgage lenders don't look just at your income, assets, and the down payment…

  • Should I convert to a bi-weekly payment schedule?

    It may surprise you that most banks and mortgage companies collect two to three dollars for every dollar…

First Time Home Buying Program

Not ready to buy right now? Start saving for your first home today.

Let’s make your dream of owning your own home a reality with the FAIRWINDS My First Home Savings Account. With special benefits and incentives, this account makes it easy and efficient to save for your down payment.

Learn Moreabout our My First Home Savings Account

Meet the Team

Our Mortgage Professionals are ready to serve you. Find your mortgage partner below.

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.