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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.

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

Fixed and adjustable-rate mortgage options provide flexibility for your payments, rate and term.

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Wings Loan Officers are here to help you answer your loan questions. Reach out to schedule an appointment (in-person or virtual) or communicate via phone or email with our team.
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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, or 10 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 10/1, 7/1, and 5/1 ARM;
40-year 5/1 ARM

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

Minimum Down Payment

5%; 3% for first-time homebuyers

5%; 3% for first-time homebuyers

10%

PMI Required?

Yes, if down payment is less than 20%

Yes, if the down payment is less than 20%. No-PMI options available for down payments as low as 10% or 3% for first-time homebuyers

Yes, if down payment is less than 20%

Loan Origination Fee

$1,250 or less1

$1,250 or less1

$1,500

Closing Costs

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

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

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

1Origination Fee: $1,250 or 1% of loan amount, whichever is lower

Mortgage Rates for New Purchases

Adjustable-Rate Loan
(up to $766,550)		 Purchase Rate
As Low As1 		Purchase
APR2 		Loan
Amount 		Monthly
Payment
10/1 ARM - 30 Year 5.625% 6.012% $350,000 $2,014.80
7/1 ARM - 30 Year 5.500% 6.058% $350,000 $1,987.26
5/1 ARM - 30 Year 5.250% 6.064% $350,000 $1,932.71
5/1 ARM - 40 Year 5.500% 6.188% $350,000 $1,805.20
3/6 Month SOFR ARM 5.250% 6.783% $350,000 $1,932.71
Adjustable-Rate Loan
(up to $766,550)		 Refinance Rate
As Low As1 		Refinance
APR2 		Loan
Amount 		Monthly
Payment
15/1 ARM 6.000% 6.209% $350,000 $2,098.43
10/5 ARM 6.000% 6.296% $350,000 $2,098.43
10/1 ARM 6.375% 6.716% $350,000 $2,183.54
7/1 ARM 6.125% 6.676% $350,000 $2,126.64
5/1 ARM 6.000% 6.729% $350,000 $2,098.43
3/6 Month SOFR ARM 5.250% 6.783% $350,000 $1,932.71
Purchase
Lot Loans Rate As Low As1 APR2 Loan Amount Monthly Payment4
3 Year Lot Balloon 6.125% 6.411% $350,000 $2,532.81
Construction Loans Rate As Low As1 APR2 Loan Amount Monthly Payment4
12 Month Construction 4.875% 6.468% $350,000 $710.94
3/6 Month Construction SOFR ARM 5.500% 7.146% $350,000 $802.08
Fixed-Rate Loan
(up to $766,550)		 Purchase Rate
As Low As1 		Purchase
APR2 		Loan
Amount 		Monthly
Payment
30 Year 6.000% 6.105% $350,000 $2,098.43
20 Year 5.625% 5.778% $350,000 $2,432.38
15 Year 5.250% 5.480% $350,000 $2,813.57
10 Year 5.125% 5.453% $350,000 $3,733.71
Fixed-Rate Loan
(up to $766,550)		 Refinance Rate
As Low As1 		Refinance
APR2 		Loan
Amount 		Monthly
Payment
30 Year 6.625% 6.762% $350,000 $2,241.09
20 Year 6.125% 6.301% $350,000 $2,532.81
15 Year 6.000% 6.221% $350,000 $2,953.50
10 Year 5.750% 6.061% $350,000 $3,841.92
Jumbo Loan
(greater than $766,550)		 Purchase Rate
As Low As1 		Purchase
APR2 		Loan
Amount 		Monthly
Payment
10/1 ARM 6.000% 6.149% $950,000 $5,695.73
7/1 ARM 5.875% 6.140% $950,000 $5,619.61
5/1 ARM 5.625% 6.102% $950,000 $5,468.74
3/6 Month Jumbo SOFR ARM 5.375% 6.785% $950,000 $5,319.73
30 Year Fixed 6.375% 6.395% $950,000 $5,926.76
Jumbo Loan
(greater than $766,550)		 Refinance Rate
As Low As1 		Refinance
APR2 		Loan
Amount 		Monthly
Payment
15/1 ARM 5.875% 6.055% $800,000 $4,732.30
10/5 ARM 5.875% 6.130% $800,000 $4,732.30
10/1 ARM 6.375% 6.692% $800,000 $4,990.96
7/1 ARM 6.125% 6.652% $800,000 $4,860.88
5/1 ARM 6.000% 6.705% $800,000 $4,796.40
3/6 Month Jumbo SOFR ARM 5.375% 6.785% $950,000 $5,319.73
30 Year Fixed 6.625% 6.740% $800,000 $5,122.49
Refinance
Jumbo Construction Loans Rate As Low As1 APR2 Loan Amount Monthly Payment4
12 Month Jumbo Construction 4.875% 5.457% $950,000 $1,929.69
3/6 Month Jumbo Construction SOFR ARM 5.625% 7.138% $950,000 $2,226.56
Construction Loans
Lot Loans
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 $1143.80 ($1178.80 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.
Rate Locks - 60 Days - No Fee
$950 loan origination fee - 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 add on of 0.125%.
ARM product with 3% minimum down payment (97% LTV) with no PMI are available to first-time home buyers only subject to a rate 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 November 20, 2025 and subject to change. 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 $1143.80 ($1178.80 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.
Rate Locks - 60 Days - No Fee
$950 loan origination fee - 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 add on of 0.125%.
ARM product with 3% minimum down payment (97% LTV) with no PMI are available to first-time home buyers only subject to a rate 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 November 20, 2025 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. The Wings Mortgage team can be reached via phone directly at (952) 997-8462.

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Education & Resources

Wings offers helpful resources for first-time homebuyers, as well as experienced buyers.

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First-Time Homebuyers

If you are a first-time homebuyer, Wings has affordable loan options and free resources to guide your homebuying journey. Our knowledgeable, helpful Loan Officers will be by your side every step of the way to answer your questions.

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