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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 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 Member Reviews

Home Mortgage is rated 4.7 out of 5 by 292.
Rated 5 out of 5 by from Wonderful Home Loan Experience My shopping for a new home loan found our Fairwinds Credit Union to have the best people, rate, and process available. Heather and her associated loan enabling staff were always friendly, informative, timely, and knowledgeable. I'm extremely pleased with this entire adventure.
Date published: 2018-09-14
Rated 5 out of 5 by from Personal Service We appreciated that we could get Wynter and Cody on the phone most any time for questions and they were responsive to our needs.
Date published: 2018-09-14
Rated 5 out of 5 by from Great Experience! I went to the Wekiva Branch to apply for a used car loan. Loan officer asked me about my current mortgage and if I though about refinincing at a lower rate...thats how the whole thing started and I’m sure glad I did. Drop almost a full point on interest and converted from a 30 to a 15 year mortgage and no PMI. The whole process was easy and by phone....and the mortgage staff from Fairwinds couldn’t have being better, a 10 out of 10!!!
Date published: 2018-08-24
Rated 5 out of 5 by from easy Monet Was a great and not very long adventure. All went out of their way to help in any way the could. I would recommend it to all that are interested in a refinance.
Date published: 2018-08-09
Rated 5 out of 5 by from Not Complicated As Expected We decided to use Fairwinds for our mortgage since we have such a history with them and couldn't be happier. I'd heard horror stories about delays and other issues so fully expected the experience to be difficult. That was not the case with Fairwinds! Our loan coordinator kept us informed the entire way and we were able to close on time with no issues. Definitely recommend Fairwinds to others looking to buy a house!
Date published: 2018-08-06
Rated 5 out of 5 by from Outstanding service and follow t We did a cash out refinance with fairwinds CU and had the best experience from start to finish. They closed our loan for in about three weeks and didn’t miss a beat. Bravo.
Date published: 2018-08-05
Rated 3 out of 5 by from good times bad times I have a current mortgage that has had past difficulties so shame on me for deciding to use Fairwinds a second time. The application process was great and Heather did a top notch job with polite customer service. You could tell she knew what she was doing and had compassion for the customer. On the other hand, once the loan went trough, Eduardo seemed to rush the process, neglect to fill me in on critical information, and pressure me to jump through his hoops. As a result the closing cost ended up getting paid twice and the title company had to scramble last minute to move up the closing that Eduardo claimed could not be done. Interest rate could have been a little better for having 800+ credit and perfect history with Fairwinds.
Date published: 2018-07-28
Rated 2 out of 5 by from Hard to move it along Winter was amazing but the rest of the staff that handled everything else were lackluster. I had to keep calling to move it along. I also had to call to correct figures that were incorrect on loan estimates !! I had to babysit the whole loan process. We still have not even gotten a statement to pay the mortgage a month later and it is due on the 1st
Date published: 2018-07-26
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