Together, we make homeownership happen.

Finding the right home is important to your client, which means it’s important to us. That’s why we’re here to support you and your client every step of the way—with mortgage solutions to fit their budget and help them save more.

Couple holding up keys to their new house.

Benefits of Financing with FAIRWINDS

On-Time Closing Guarantee up to $5,0001

We guarantee $3,000 to your buyer and $2,000 to the seller if we don’t close on time.

Flexible Mortgage Options

Whether they are first-time homebuyers, looking to build their dream home, or purchasing a high-value property, we have the right solution for your clients.

Enjoy Peace of Mind with a Rate Re-Lock2

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

Our Mortgage Options

Find the mortgage solution that best fits your client’s budget on their journey to Financial Freedom.

Fixed-Rate Mortgage

Secure your future with our fixed-rate mortgage option, giving you peace of mind with predictable monthly payments for the life of your loan.

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Adjustable-Rate Mortgage (ARM)

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

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Jumbo Mortgage

If you're looking to move into a larger home, this could be a great option to help you borrow more while paying down your home faster with lower rates.

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Land Loans

As you design your new home, we can help you obtain the land.

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Construction-to-Permanent Loans

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

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Homebuying Assistance

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. 

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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.

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Down Payment Assistance

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

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Physician Loan 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. 

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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.

Meet Our Team

Happy real estate agent came to a successful agreement with a couple during a meeting in the office.

A professional real estate agent, showing a new home to prospective buyers.
How the FAIRWINDS Mortgage Team is Helping Realtors like You Get Paid

With FAIRWINDS, close deals faster and get paid sooner. From quick pre-approvals to on-time closings, we streamline the process for you and your clients.

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Image of This Mortgage Payment Strategy Can Save You Time and Money
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.

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

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Financial Freedom happens here.®

Footnotes

    FAIRWINDS NMLS #715408

    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.

    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.

    Routing Number ⑆ 263181368
    © 2025 FAIRWINDS Credit Union