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With a great rate environment, 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
  • No intangible tax (saves you $.20 on every $100 borrowed)
  • 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

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 Member Reviews

Home Mortgage is rated 4.7 out of 5 by 271.
Rated 5 out of 5 by from What a great Surprise! I have been waiting for this for 7 years. Tracie was so helpful and patient with me. Just the best experience ever.
Date published: 2018-06-04
Rated 5 out of 5 by from Wonderful experience Made the whole process simple and felt like we really mattered to them!
Date published: 2018-06-02
Rated 5 out of 5 by from Wonderful Experience We contacted Fairwinds after having a terrible experience with another mortgage company. Fairwinds was wonderful in helping us purchase our new home with ease. They made the process so easy and we are very happy that we chose Fairwinds to help us purchase our new home.
Date published: 2018-05-30
Rated 5 out of 5 by from mortgage customer service We have been very pleased with the customer service, they have been prompt in answering any questions. And very helpful through our loan process. .
Date published: 2018-05-30
Rated 5 out of 5 by from Great service Had a great experience with FCU Mortgage Department in that they were professional, friendly, informative, and looked out for my interest.
Date published: 2018-05-29
Rated 3 out of 5 by from It was great I have been a member of Fairwings for years and so I am so happy that I am think GOD.......
Date published: 2018-05-28
Rated 5 out of 5 by from Great customer service I refinance my home mortgage with Fairwinds easy & smooth process I got a good rate.
Date published: 2018-05-27
Rated 5 out of 5 by from Painless process My mortgage process with fairwinds was fast and painless, great interest rates and professional staff
Date published: 2018-05-26
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