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We are your one-stop shop when it comes to your home loan.


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Want to refinance

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Looking for a home

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Save up to $2,583 with a

FAIRWINDS Credit Union mortgage

FAIRWINDS rates as low as
APR 15 Yr Fixed


National Average*
APR 15 Yr Fixed

$2,583 is the difference between the amount paid in interest between FAIRWINDS Credit Union's rate at 6.004% APR compared to 6.110% 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 134862 financial institution locations in the National market as of October 6, 2022.
APR = Annual Percentage Rate

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

Call 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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Places Where We Do Home Loans

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


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
30 year fixed

360 months at 6.62% (6.62% APR) for a $250,000 loan would result in a monthly payment of $1,599.79.

6.619% .564
20 year fixed

240 months at 6.44% (6.44% APR) for a $250,000 loan would result in a monthly payment of $1,855.11.

6.440% .833
15 year fixed

180 months at 6.00% (6.00% APR) for a $250,000 loan would result in a monthly payment of $2,110.18.

6.004% .956

*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. 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 $250,000, single-family home as a primary residence, 45-day rate lock, 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...

      - DaveH

Great experience!!!

After shopping several mortgage lenders I found Fairwinds to have both the best rate and lowest closing costs. Bonus; I also found the nicest Loan Officer, Wynter in the process. Thank you Fairwinds I will be recommending you to my friends and family!

      - 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!

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

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.