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Mortgage - Purchase Rates

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Move-in-ready rates.
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Mortgage - Purchase Loan Rates

At Wings, 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 your new 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. View our current mortgage rates.

Fixed-Rate Loan
(up to $766,550)

Fixed-Rate Loan Purchase Rate
As Low As1 		Purchase
APR2 		Points3 ?

Points

Points are an amount paid to the mortgage lender at closing used to lower the interest rate. One point is equal to one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000).
 Loan
Amount 		Monthly
Payment
30 Year 7.000% 7.140% 1.0 $350,000 $2,328.56
20 Year 6.750% 6.931% 1.0 $350,000 $2,661.27
15 Year 6.625% 6.850% 1.0 $350,000 $3,072.98
10 Year 6.375% 6.690% 1.0 $350,000 $3,951.96

Adjustable-Rate Loan
(up to $766,550)

Adjustable-Rate Loan Purchase Rate
As Low As1 		Purchase
APR2 		Points3 ?

Points

Points are an amount paid to the mortgage lender at closing used to lower the interest rate. One point is equal to one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000).
 Loan
Amount 		Monthly
Payment
10/1 ARM - 30 Year 6.750% 7.273% 1.0 $350,000 $2,270.09
7/1 ARM - 30 Year 6.500% 7.311% 1.0 $350,000 $2,212.24
5/1 ARM - 30 Year 6.375% 7.431% 1.0 $350,000 $2,183.54
5/1 ARM - 40 Year4 6.625% 7.576% 1.0 $350,000 $2,080.35

Jumbo Loan
(greater than $766,550)

Jumbo Loan Purchase Rate
As Low As1 		Purchase
APR2 		Points3 ?

Points

Points are an amount paid to the mortgage lender at closing used to lower the interest rate. One point is equal to one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000).
 Loan
Amount 		Monthly
Payment
10/1 ARM - 30 Year 6.750% 7.251% 1.0 $800,000 $5,188.78
7/1 ARM - 30 Year 6.500% 7.290% 1.0 $800,000 $5,056.54
5/1 ARM - 30 Year 6.375% 7.409% 1.0 $800,000 $4,990.96
30 Year Fixed 7.000% 7.118% 1.0 $800,000 $5,322.42
Apply for a Mortgage Learn More About Mortgages
General Terms for all Loans:
1Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
2The APR (Annual Percentage Rate) and monthly payment examples assume a 20% down payment and $4,896.00 ($9,426.00 JUMBO) estimated borrower pre-paid finance charges. If the down payment is less than 20%, private mortgage insurance (PMI) may be required on the loan and could result in an increased APR and payment.
3Points are an amount paid to the mortgage lender at closing used to lower the interest rate. One point is equal to one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000).
4For first-time homebuyers only.
Rate Locks - 60 Days - No Fee
Origination Fee: $1,200 or 1% of loan amount, whichever is lower. Additional third-party closing costs will apply.
Additional Fixed Rate Terms:
The 30-year fixed rate mortgage product with 3% minimum down payment (97% LTV) available to first-time home buyers only.
Fixed rate mortgages may be subject to FNMA fees based on credit score, LTV and other factors which may apply.
Additional Adjustable-Rate Mortgage (ARM) Terms:
Adjustable-Rate Mortgage (ARM) rates are subject to change according to product terms.
ARM product with 10% down payment (90% LTV) with no PMI are subject to a rate/APR add on of 0.125%. Active checking account required, with monthly ACH direct debit card transactions per month. Available for ARM products up to $1,000,000.
ARM product with 3% minimum down payment (97% LTV) with no PMI are available to first-time home buyers only subject to a rate/APR add on of 0.25%.
3% minimum down payment (97% LTV) available to all homebuyers on ARM products but is subject to PMI.

Membership with a $5 Share Account required.

Rates effective as of April 17, 2024 and subject to change.