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Looking for a home

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Places Where We Do Home Loans

We offer lending in California, Colorado, Florida, Georgia, Massachusetts, and Texas.

Save up to $9,315 with a

FAIRWINDS Credit Union mortgage

FAIRWINDS rates as low as
APR 15 Yr Fixed


National Average*
APR 15 Yr Fixed

$9,315 is the difference between the amount paid in interest between FAIRWINDS Credit Union's rate at 2.260% APR compared to 2.700% 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 131601 financial institution locations in the National market as of December 3, 2020.
APR = Annual Percentage Rate

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 Interest Rate APR Points
Purchase - 30 year fixed 2.625% 2.789% .877
Purchase - 20 year fixed 2.375% 2.560% .902
Purchase - 15 year fixed 2.000% 2.260% .994
Refinance - 30 year fixed 2.875% 2.962% .631
Refinance - 20 year fixed 2.500% 2.615% 1.028
Refinance - 15 year fixed 2.250% 2.338% .704

*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 EST. Any lock requests received after 4:00 PM EST will be subject to tomorrow’s posted rates. Interest rates above are based on the purchase of a 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...



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.

      - Astrid

Awesome Services

I have been a member of Fairwinds since 2008, I have a Car Loan, a Personal Loan, and just recently a Mortgage Refinance, and I have to say Fairwinds had the best customer service

Tools and Resources

  • Mortgage Calculator

    The loan amount, the interest rate, and the term of the mortgage can have a dramatic effect on the total…

  • 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…

Meet the Team

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

Learn more about Angel Diaz

Mortgage Loan Officer
Yo Hablo Español
NMLS# 601277

Apply for mortgage with Angel Diaz Bio for Angel Diaz

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.