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At Wings Financial, we’re bringing something new to the mortgage world: flexibility. With a wide range of fixed and adjustable-rate options, Wings offers the choices, experience and support to help you finance or refinance your home. At the end of the day, it’s not about fitting a member into a mortgage. It’s about fitting the right mortgage to a member.
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Fixed-Rate Mortgages |
Adjustable-Rate Mortgages (ARM) | Jumbo Mortgages | |
|---|---|---|---|
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Overview |
With a fixed-rate mortgage, your interest rate will not change over the life of the loan. This offers stable, predictable monthly payments, making it a good option if you plan to stay in your home long term. |
Offers lower rates than a standard fixed-rate mortgage, with a fixed rate for the first 5, 7, 10, or 15 years. After that, the rate may adjust annually. If you are a first-time homebuyer or do not plan on staying in your home for more than a few years, a Wings ARM loan may be right for you. |
Wings offers jumbo financing at a great rate. With fixed- and adjustable-rate jumbo mortgages, low closing costs and a low origination fee on all closed loans, Wings makes it easy to get the most home for your money. |
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Available Options |
30-year, 20-year, 15-year, and 10-year fixed; 30-year Jumbo |
15/1, 10/5, 10/1, 7/1, and 5/1 ARM; |
30/1, 10/5, 10/1, 7/1, and 5/1 ARM; |
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Minimum Down Payment1 |
Yes, if down payment is less than 20% |
No, if down payment is 10% and you meet certain requirements. First-time homebuyers can avoid PMI with as little as 3% down. Speak to a Loan Officer for details. |
Yes, if down payment is less than 20% |
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PMI Required? |
Yes, if down payment is less than 20% |
No, if down payment is 10% and you meet certain requirements. First-time homebuyers can avoid PMI with as little as 3% down. Speak to a Loan Officer for details. |
Yes, if down payment is less than 20% |
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Loan Origination Fee2 |
$950 |
$950 |
$950 |
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Closing Costs |
No application, processing, underwriting or document prep fees; |
No application, processing, underwriting or document prep fees; |
No application, processing, underwriting or document prep fees; |
| Apply Now | Apply Now | Apply Now |
13% minimum down payment available for new-purchase, 30-year fixed-rate mortgage for first-time homebuyers only and adjustable-rate mortgages (ARMs) for all borrowers. Additional third-party closing costs will apply.
2Additional third-party closing costs will apply. Membership with a $5.00 minimum opening deposit is required. Please speak to a Loan Officer for details.
| Fixed-Rate Loan (up to $726,200) |
Purchase Rate As Low As1 |
Purchase APR2 |
Loan Amount |
Monthly Payment |
|---|---|---|---|---|
| 30 Year | 6.125% | 6.156% | $350,000 | $2,126.64 |
| 20 Year | 5.875% | 5.915% | $350,000 | $2,482.33 |
| 15 Year | 5.375% | 5.425% | $350,000 | $2,836.63 |
| 10 Year | 5.375% | 5.447% | $350,000 | $3,776.78 |
| Adjustable-Rate Loan (up to $726,200) |
Purchase Rate As Low As1 |
Purchase APR2 |
Loan Amount |
Monthly Payment |
|---|---|---|---|---|
| 15/1 ARM - 30 Year | 6.000% | 6.051% | $350,000 | $2,098.43 |
| 10/5 ARM - 30 Year | 6.000% | 6.072% | $350,000 | $2,098.43 |
| 10/1 ARM - 30 Year | 5.875% | 5.947% | $350,000 | $2,070.38 |
| 7/1 ARM - 30 Year | 5.250% | 5.349% | $350,000 | $1,932.71 |
| 5/1 ARM - 30 Year | 5.000% | 5.135% | $350,000 | $1,878.88 |
| 5/1 ARM - 40 Year | 5.250% | 5.385% | $350,000 | $1,746.05 |
| Jumbo Loan (greater than $726,200) |
Purchase Rate As Low As1 |
Purchase APR2 |
Loan Amount |
Monthly Payment |
|---|---|---|---|---|
| 15/1 ARM | 5.875% | 5.898% | $800,000 | $4,732.30 |
| 10/5 ARM | 5.875% | 5.908% | $800,000 | $4,732.30 |
| 10/1 ARM | 5.750% | 5.782% | $800,000 | $4,668.58 |
| 7/1 ARM | 5.125% | 5.169% | $800,000 | $4,355.90 |
| 5/1 ARM | 4.875% | 4.936% | $800,000 | $4,233.67 |
| 30 Year Fixed | 6.125% | 6.139% | $800,000 | $4,860.88 |
| Fixed-Rate Loan (up to $726,200) |
Refinance Rate As Low As1 |
Refinance APR2 |
Loan Amount |
Monthly Payment |
|---|---|---|---|---|
| 30 Year | 6.125% | 6.156% | $350,000 | $2,126.64 |
| 20 Year | 5.875% | 5.915% | $350,000 | $2,482.33 |
| 15 Year | 5.375% | 5.425% | $350,000 | $2,836.63 |
| 10 Year | 5.375% | 5.447% | $350,000 | $3,776.78 |
| Adjustable-Rate Loan (up to $726,200) |
Refinance Rate As Low As1 |
Refinance APR2 |
Loan Amount |
Monthly Payment |
|---|---|---|---|---|
| 15/1 ARM | 6.000% | 6.051% | $350,000 | $2,098.43 |
| 10/5 ARM | 6.000% | 6.072% | $350,000 | $2,098.43 |
| 10/1 ARM | 5.875% | 5.947% | $350,000 | $2,070.38 |
| 7/1 ARM | 5.250% | 5.349% | $350,000 | $1,932.71 |
| 5/1 ARM | 5.000% | 5.135% | $350,000 | $1,878.88 |
| Jumbo Loan (greater than $726,200) |
Refinance Rate As Low As1 |
Refinance APR2 |
Loan Amount |
Monthly Payment |
|---|---|---|---|---|
| 15/1 ARM | 5.875% | 5.898% | $800,000 | $4,732.30 |
| 10/5 ARM | 5.875% | 5.908% | $800,000 | $4,732.30 |
| 10/1 ARM | 5.750% | 5.782% | $800,000 | $4,668.58 |
| 7/1 ARM | 5.125% | 5.169% | $800,000 | $4,355.90 |
| 5/1 ARM | 4.875% | 4.936% | $800,000 | $4,233.67 |
| 30 Year Fixed | 6.125% | 6.139% | $800,000 | $4,860.88 |
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