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With a great rates, rising home values and no closing costs options, now could be a great time to refinance your current mortgage.

Reduce your monthly payment, take cash out, or pay your mortgage off quickly with a shorter term. We have a variety of refinancing solutions to fit your needs.

Is now the right time to refinance your mortgage? Our mortgage professionals will work with you to ensure a smooth refinancing process.

Lock into a fixed rate with terms ranging from 10 to 30 years, or consider an adjustable rate with budget-friendly payments. 

  • No application fee
  • Quick pre-qualification
  • Mortgages locally serviced
  • No pre-payment penalties

Tools and Resources

  • Should I refinance my mortgage?

    Over the last couple of years with interest rates at a 40-year low, many people refinanced their mortgages. Even though rates have crept up over the last couple of months, refinancing may make sense for you. Use our refinance calculator to analyze your situation today!

Special Mortgage Programs

Retire Your Mortgage

Whenever you do decide to make your move toward retirement, be sure you retire your mortgage too. Don't retire with a mortgage.

Learn More about Retire Your Mortgage

Loans are subject to credit union membership eligibility, credit approval, and verification of information provided on the application. Other terms and conditions may apply. Terms and conditions subject to change at any time without prior notice.

FAIRWINDS does not service FHA or VA loans.

FAIRWINDS Member Reviews

Home Mortgage is rated 4.8 out of 5 by 407.
Rated 5 out of 5 by from Great experience! From application to closing, this was the best and smoothest mortgage I’ve ever done. Fairwinds staff was knowledgeable, friendly, and easy to reach when I had a question. Start to finish also faster than any other lender. Thank you, Fairwinds, for the personal touch!
Date published: 2021-01-02
Rated 5 out of 5 by from Great experience! I started with Fairwinds since I started building up my credit and they helped all along.
Date published: 2020-12-29
Rated 5 out of 5 by from Home Re-Fi I have been a member for a decade and have enjoyed great service for personal banking and car loans. This time, I was able to refi my house seamlessly and in a quick time. My wife and I are very happy.
Date published: 2020-09-14
Rated 5 out of 5 by from Easy Refinance Since I’m a member of Fairwinds, I refinanced my car and recently I did my mortgage. Both processes were smooth, easy and fast. I’m very pleased with Fairwinds
Date published: 2020-09-03
Rated 5 out of 5 by from Great Fairwinds TEam I am turning from the major banks to Fairwinds due to the reviews from friends. I have been very happy with the professionalism and friendliness of everyone. My mortgage and vehicle refinances went through smoothly with no pain.
Date published: 2020-08-26
Rated 5 out of 5 by from Easy, quick and effortless Kim was great! Very informative, responsive and very thorough.
Date published: 2020-08-21
Rated 5 out of 5 by from Great experience! From the start of the process to the closing, the process was smooth and efficient. Every Fairwinds employee was knowledgeable and professional. I'm happy I made the decision to go with Fairwinds.
Date published: 2020-07-28
Rated 5 out of 5 by from Happy as a clam! I wasn’t going to use FAIRWINDS for my mortgage but the service I was getting from my initial lender choice was horrible. Switching to FAIRWINDS was the smartest thing. They were fast, efficient, and courteous.
Date published: 2020-07-24
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