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fairwinds.org | Get the freedom to go further.

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 343.
Rated 5 out of 5 by from great process I have been with Fairwinds for many years always a great experiance
Date published: 2019-09-19
Rated 5 out of 5 by from Great rate and great service. My refinance process could not have gone any easier. The people that worked with me were awesome.
Date published: 2019-09-19
Rated 5 out of 5 by from My #1 choice since 1996 I have been a member of Fairwinds for over 20 years. I have used multiple varieties of their services and have never once been disappointed. Always efficient always helpful always friendly. I never once thought twice about turning to Fairwinds for any of my financial needs or services.
Date published: 2019-09-19
Rated 4 out of 5 by from Good Mortgage Value I have been a member of FAIRWINDS since 2017 and decided to contact regarding a mortgage. I am glad I did!
Date published: 2019-09-04
Rated 5 out of 5 by from Great work It was a great process, and easy to get done. I know I was A client, but Angel did a great job.
Date published: 2019-08-25
Rated 5 out of 5 by from Amazing! A friend recommended Fairwinds to me and I am so glad she did! They had the best mortgage rates, quickest closing I have ever seen, and very helpful staff.
Date published: 2019-08-24
Rated 5 out of 5 by from Fantastic! I have been a member a few years now and I would never go to a bank. I like having all of my financial in one place. I love the rates that are provided as they are much lower than any other entity. The employees are the best!
Date published: 2019-08-04
Rated 5 out of 5 by from Great Experience Excellent customer service. Knowledgeable staff made us feel valued
Date published: 2019-07-24
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