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When it comes to mortgages, one size doesn’t fit all.
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    Bringing you purchase and refinance options for real life.

    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.

    Homebuyer Education

    Prepare yourself for your home buying journey with Wings Financial's home buying and home selling seminars, featuring knowledgeable real estate professionals.

    Trusted Agent Partners

    HomeAdvantage® connects you with a trusted agent, plus offers cash rewards for your purchase or sale.
    Compare & find the best account for you. Fixed-Rate Mortgages Adjustable-Rate Mortgages (ARM) Jumbo Mortgages

    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.

    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;
    all terms available as Jumbo loan

    30-year fixed; 15/1, 10/5, 10/1, 7/1, and 5/1 ARM;

    Minimum Down Payment2

    3% (first-time buyers/30-year fixed only); otherwise, 5%

    3%

    10%

    PMI Required?

    Yes, if down payment is less than 20%

    No, if down payment is 10% and you meet certain requirements

    Yes, if down payment is less than 20%

    Loan Origination Fee3

    $950

    $950

    $950

    Closing Costs

    No application, processing, underwriting or document prep fees;
    third-party closing costs apply and will be estimated after pre-approval.

    No application, processing, underwriting or document prep fees;
    third-party closing costs apply and will be estimated after pre-approval.

    No application, processing, underwriting or document prep fees;
    third-party closing costs apply and will be estimated after pre-approval.

     

    Mortgage Rates for New Purchases

    Please note: Conforming loan rates applicable for mortgages up to $548,250.00.
    Jumbo loan rates apply to all mortgages greater than $548,250.00.


    Purchase Purchase Rate
    As Low As
    Purchase APR Jumbo Rate
    As Low As
    Jumbo APR
    30 Year
    Fixed-Rate Mortgage
    3.000% 3.043% 3.000% 3.014%
    20 Year
    Fixed-Rate Mortgage
    2.750% 2.810% N/A N/A
    15 Year
    Fixed-Rate Mortgage
    2.500% 2.578% N/A N/A
    10 Year
    Fixed-Rate Mortgage
    2.375% 2.488% N/A N/A
    15/1 Year
    Adjustable-Rate Mortgage
    2.625% 2.703% 2.625% 2.651%
    10/5 Year
    Adjustable-Rate Mortgage
    2.875% 2.989% 2.875% 2.913%
    10/1 Year
    Adjustable-Rate Mortgage
    2.625% 2.739% 2.625% 2.663%
    7/1 Year
    Adjustable-Rate Mortgage
    2.625% 2.785% 2.625% 2.678%
    5/1 Year
    Adjustable-Rate Mortgage
    2.375% 2.595% 2.375% 2.448%

    APR & Payment Examples - The APR and monthly payment examples assume a 20% down payment, 360 total monthly payments (240 for 20 Year Fixed, 180 for 15 Year Fixed, and 120 for 10 Year Fixed), and $1090.50 estimated borrower pre-paid finance charges.
    Conforming payment example based on 30 Year Fixed with $200,000.00 loan amount = principal/interest payment of $870.41
    Jumbo payment example based on 30 Year Fixed with $600,000.00 loan amount = principal/interest payment of $2,611.24
    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. Adjustable-Rate Mortgage rates are subject to change according to product terms.
    $950 loan origination fee - Additional third-party closing costs will apply.
    **FANNIE MAE NOTICE** - All fixed rate mortgages may be subject to FNMA fees based on credit score, LTV and other factors which may apply.

    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.
    ARM product 10% down (90% LTV) - No PMI: rate add on 0.125%
    Rate Locks - 60 Days - No Fee
    Rates effective as of June 18, 2021 and subject to change.

    Mortgage Rates for Refinances

    Please note: Conforming loan rates applicable for mortgages up to $548,250.00.
    Jumbo loan rates apply to all mortgages greater than $548,250.00.


    Refinance Refinance Rate
    As Low As
    Refinance APR Jumbo Rate
    As Low As
    Jumbo APR
    30 Year
    Fixed-Rate Mortgage
    3.000% 3.043% 3.000% 3.014%
    20 Year
    Fixed-Rate Mortgage
    2.750% 2.810% N/A N/A
    15 Year
    Fixed-Rate Mortgage
    2.500% 2.578% N/A N/A
    10 Year
    Fixed-Rate Mortgage
    2.375% 2.488% N/A N/A
    15/1 Year
    Adjustable-Rate Mortgage
    2.625% 2.703% 2.625% 2.651%
    10/5 Year
    Adjustable-Rate Mortgage
    2.875% 2.989% 2.875% 2.913%
    10/1 Year
    Adjustable-Rate Mortgage
    2.625% 2.739% 2.625% 2.663%
    7/1 Year
    Adjustable-Rate Mortgage
    2.625% 2.785% 2.625% 2.678%
    5/1 Year
    Adjustable-Rate Mortgage
    2.375% 2.595% 2.375% 2.448%

    APR & Payment Examples - The APR and monthly payment examples assume a 20% down payment, 360 total monthly payments (240 for 20 Year Fixed, 180 for 15 Year Fixed, and 120 for 10 Year Fixed), and $1090.50 estimated borrower pre-paid finance charges.
    Conforming payment example based on 30 Year Fixed with $200,000.00 loan amount = principal/interest payment of $870.41
    Jumbo payment example based on 30 Year Fixed with $600,000.00 loan amount = principal/interest payment of $2,611.24
    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. Adjustable-Rate Mortgage rates are subject to change according to product terms.
    $950 loan origination fee - Additional third-party closing costs will apply.
    **FANNIE MAE NOTICE** - All fixed rate mortgages may be subject to FNMA fees based on credit score, LTV and other factors which may apply.

    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.
    ARM product 10% down (90% LTV) - No PMI: rate add on 0.125%
    Rate Locks - 60 Days - No Fee
    Rates effective as of June 18, 2021 and subject to change.

    Our Loan Officers are here to help.

    Buying a home is one of the biggest purchases most people will make. Whether you're ready to apply or just gathering information, Wings Loan Officers are here to help answer your mortgage loan questions.

    Contact Us Today

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    What our members love.

    We love helping members like Adam and Rachel buy the home that’s right for them. We’ll support you with expert guidance, resources and advice from pre-approval to close.

    Attend a free home webinar.

    Prepare yourself for your home buying journey with Wings Financial's home buying and home selling webinars, featuring knowledgeable real estate professionals.

    Register Now

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    Let us help you get the financing you need.

    We make it easy to apply for a mortgage. Apply today using our simple, online application and a Loan Officer will work with you to finalize your loan.

    Apply Now

    Not a Member? Join Now

    23% 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.

    3Additional third-party closing costs will apply. Membership with a $5.00 minimum opening deposit is required. Please speak to a Loan Officer for details.