Facebook Pixel Code image placeholder
skip to main content

3% MORTGAGE Option

For every reason
you want a home,
we have a way.

woman gardening in backyard

Endless games of fetch. A snow-free windshield. Home-grown vegetables. No matter what motivates you to purchase your first home, Wings Financial Credit Union can help you make the move into homeownership.

woman gardening in backyard

Support through the process

Wings will be by your side every step of the way – with knowledgeable, helpful loan officers to guide you, free homebuyer education, and friendly Wings service throughout the life of your loan.


Homebuyer Seminars

Learn about the home buying process from beginning to end, including searching for and financing your dream home! Real estate professionals and loan officers will be on-hand to answer your questions.




HomeAdvantage Program

Simplify your buying or selling process – and earn Cash Rewards – with HomeAdvantage®!2 This special member benefit from Wings Financial, in partnership with CU Realty Services, brings together all the real estate resources you need in one convenient place.




Mortgage Products

When it comes to mortgages, one size doesn’t fit all. That’s just real life. Because of that, at Wings Financial Credit Union we’re bringing something new to the mortgage world: Flexibility.
With Fixed- and Adjustable-Rate Mortgages (ARM), Wings offers the products, experience, and homebuyer education needed to find you the right loan.

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.





3% Down

Wings 3% down mortgage option1 makes home buying more affordable. See the difference a lower down payment can make!


The Down Payment Difference

% Down Down payment on $200,000 loan
3% $6,000
10% $20,000
20% $40,000




3% Down

Wings 3% down mortgage option1 makes home buying more affordable. See the difference a lower down payment can make!


The Down Payment Difference

% Down
Down payment on $200,000 loan


% Down
Down payment on $200,000 loan


% Down
Down payment on $200,000 loan





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. Membership with a $5.00 minimum opening deposit is required.

APR = Annual Percentage Rate.
Payment Example – The APR and monthly payment examples assume a loan amount of $200,000, a 3% down payment, 360 total monthly payments, and $1,809 estimated borrower pre-paid finance charges. Monthly payment amount of $969.30 assumes a rate of 4.125% and 4.171% APR for a 30-year fixed rate. For example purposes only; rates are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required on the loan and could result in an increased APR and payment.

2 The HomeAdvantage program is made available to you through a relationship between Wings Financial Credit Union and CU Realty Services. Program Cash Rewards are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using Wings Financial Credit Union for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. Wings Financial Credit Union may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you.