Home > Loans & Credit Cards > Mortgage Loans

Mortgage Loans

Whether you're buying or refinancing, nobody makes it easier to turn a house into a home than Wings Financial Credit Union. We offer full-service, nationwide mortgage lending:

$750 Loan Origination Fee
Apply for a mortgage loan by September 30, 2015 to save $700 on
$1,450 origination fee.*
Apply Today!

  • New-purchase or refinance
  • Financing available in all 50 states
  • A variety of loan options
  • As low as 3% minimum down payment
  • Low closing costs
  • Secure online application
  • All mortgage loans serviced by Wings
  • Second home financing

Fixed-Rate Mortgages           

Offers stable, predictable monthly payments over the life of the loan.
  • Maximum loan amount: $417,000 (Alaska and Hawaii: $625,500)**
  • 15-, 20- and 30-year terms

Adjustable-Rate Mortgages (ARM)           

Can offer lower rates than a standard fixed-rate mortgage, with a fixed rate for the first 5-, 7-, 10- years, after which the rate may adjust annually.
  • Maximum loan amount: $650,000**
  • 5-, 7- or 10-year terms
  • Rate caps: 2% cap per year, 5% lifetime

Apply Online Now! Once you have completed and submitted your application, a mortgage representative will contact you within one to two business days.

Learn More
Rates | Rent or Buy Calculator | Mortgage Calculator | Applications

*Discount based on $1,450 origination fee and available for closed loans only. Applications must be received by September 30, 2015 to be eligible for savings. Additional third-party closing costs will apply. Membership is required.
** For mortgages above these amounts, contact the Mortgage Department at 1-800-692-2274, Option 3.
3% 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. 10% minimum down payment available for refinance loans.

  1. 3% minimum down payment available for 30-year fixed and adjustable-rate mortgages (ARM) new-purchase loans
  2. http://portal.hud.gov/hudportal/HUD?src=/press_releases_media_advisories/2010/HUDNo.10-016
  3. Calculations based on information from ALLREGS Academy: http://www.allregs.com/

APR & Payment Example – APR= Annual Percentage Rate. The APR and monthly payment examples assume a loan amount of $150,000 and a 3% down payment, with $1,804 estimated borrower pre-paid finance charges. Monthly payment amount of $573.37 assumes rate of 2.25% and 2.849% APR for 5/1 ARM. Monthly payment amount of $737.91 assumes a rate of 4.25% and 4.352% APR for 30-year fixed rate. 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.