Mortgage | May
Mortgage Loans - Oh, Yes We Do!
May 07, 2025
Looking for a loan to purchase a home or refinance your existing home? We can help!
Wings Mortgage has been helping members finance their homes for decades. In recent years, we have grown our offerings to truly be a one-stop shop for your mortgage needs.
For many years, we offered conventional financing, both fixed rate products and adjustable-rate mortgage (ARM) products¹. These offerings served our members well; however, we continually strive to be your “go-to” in the mortgage world. Due to this effort, we began offering FHA and VA loans, which are government-backed loans². We still offer our tried-and-true conventional fixed rates and adjustable-rate products. To top this off, we can now offer lot financing and construction loan financing in Minnesota and Wisconsin!
And did you know, not only can we do a loan on a primary home, but we can assist you with financing on a second home AND investment properties³? We rolled out investment properties in early 2024 for purchase, a rate/term refinance or a cash-out refinance. Our second homes and investment properties are available on any one of our ARM products. We even have an option to avoid private mortgage insurance on a second home with just 10% down⁴.
While Wings is headquartered in Apple Valley, MN, we do first-mortgage lending in 49 states, with the exception of Hawaii. That means we can help your homeownership dreams become a reality just about anywhere, whether you’re a current Wings member or not. Anyone can apply for financing with Wings. Prior to loan funding, depending on where you reside, you must open membership with $5 in a share savings or a $5 donation to our Wings Foundation.
Do you want to know about a few other differentiators when working with Wings? One has to do with lender closing fees. Wings charges a low, flat origination fee, regardless of the loan amount. This can save you thousands of dollars on your mortgage closing, freeing up more money for down payment, investing in the home or having fun furnishing your new place! And the other -- all of our conventional loans are serviced right in Apple Valley, Minnesota. You will always make your house payment to Wings on your conventional loan. And if you have questions on your conventional loan, like escrows or changing insurance companies, you will always talk to a Wings’ employee, not an 800-number in some other part of the world.
Whether it’s buying a new home or refinancing the home you own, we are here to help you give Wings to your financing dreams!
Article by:
Darcy McDonald
Mortgage Sales Manager
Wings Mortgage, NMLS #209020
Phone: (952) 997-8048
Apply with Darcy
Wings Mortgage has been helping members finance their homes for decades. In recent years, we have grown our offerings to truly be a one-stop shop for your mortgage needs.
For many years, we offered conventional financing, both fixed rate products and adjustable-rate mortgage (ARM) products¹. These offerings served our members well; however, we continually strive to be your “go-to” in the mortgage world. Due to this effort, we began offering FHA and VA loans, which are government-backed loans². We still offer our tried-and-true conventional fixed rates and adjustable-rate products. To top this off, we can now offer lot financing and construction loan financing in Minnesota and Wisconsin!
And did you know, not only can we do a loan on a primary home, but we can assist you with financing on a second home AND investment properties³? We rolled out investment properties in early 2024 for purchase, a rate/term refinance or a cash-out refinance. Our second homes and investment properties are available on any one of our ARM products. We even have an option to avoid private mortgage insurance on a second home with just 10% down⁴.
While Wings is headquartered in Apple Valley, MN, we do first-mortgage lending in 49 states, with the exception of Hawaii. That means we can help your homeownership dreams become a reality just about anywhere, whether you’re a current Wings member or not. Anyone can apply for financing with Wings. Prior to loan funding, depending on where you reside, you must open membership with $5 in a share savings or a $5 donation to our Wings Foundation.
Do you want to know about a few other differentiators when working with Wings? One has to do with lender closing fees. Wings charges a low, flat origination fee, regardless of the loan amount. This can save you thousands of dollars on your mortgage closing, freeing up more money for down payment, investing in the home or having fun furnishing your new place! And the other -- all of our conventional loans are serviced right in Apple Valley, Minnesota. You will always make your house payment to Wings on your conventional loan. And if you have questions on your conventional loan, like escrows or changing insurance companies, you will always talk to a Wings’ employee, not an 800-number in some other part of the world.
Whether it’s buying a new home or refinancing the home you own, we are here to help you give Wings to your financing dreams!
Article by:
Darcy McDonald
Mortgage Sales Manager
Wings Mortgage, NMLS #209020
Phone: (952) 997-8048
Apply with Darcy
1Insured by NCUA. NMLS #403259. Equal Housing Opportunity. Membership with a $5.00 Share Savings account required to close on a mortgage loan.
2We are unable to support VA and FHA mortgage loans in Alaska, Arizona, Hawaii, Massachusetts, Nevada, New York, Rhode Island, U.S. Virgin Islands, Virginia, or Washington DC. Not available for manufactured homes or investment properties. Please speak to a loan officer for more details.
3Active checking account with ACH direct deposit(s) of $1,000 or more per month and 5+ debit card transactions per month required. No-PMI option rate is 0.125% higher than Adjustable-Rate Mortgage rates published at wingscu.com/mortgage. Available for ARM products up to $1,000,000. For loans greater than $1,000,000, speak to a loan officer for details.
4Rate add-on varies by property type, transaction type, and number of units. Please speak to a Loan Officer for details.
Similar News
Press Release
Wings Financial Credit Union Surpasses $2 Million Returned to Members Through HomeAdvantage Program
December 14, 2021
Minnesota’s largest credit union, Wings Credit Union, has now returned over $2 Million to members through the HomeAdvantage® program. HomeAdvantage improves the home buying and/or home selling process by connecting members to a network of HomeAdvantage-certified real estate agents and offers the opportunity to earn Cash Rewards. On average, members earn $1,800 in Cash Rewards per real estate transaction.
Resources
Understanding Escrow Accounts
January 01, 2020
An escrow account is a common feature of a mortgage loan. An escrow account makes it easier to pay necessary expenses on your property – like taxes and insurance – by incorporating them into your monthly mortgage payment, rather than paying them in lump sums.
Article
Wings and Ent Credit Union Announce Merger
April 23, 2025
—Minnesota-based Wings Credit Union announces today a merger of equals with Ent Credit Union out of Colorado Springs, CO. Together, the newly formed credit union will now serve nearly one million members, predominantly in Minnesota and Colorado.