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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.

Questions about a new mortgage?

We are here to help.

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 353.
Rated 5 out of 5 by from Great rate, easy process! I have been a Fairwinds customer for many years and the service provided has always been considerate and professional.
Date published: 2019-11-03
Rated 5 out of 5 by from Mortgage process I have had many mortgages in the past. This was my first mortgage with Fairwinds and by far my best experience with a mortgage application . The Fairwind's mortgage team did a great job processing and communicating along the way. Hats off to the mortgage team . If I ever need another mortgage the decision is easy .
Date published: 2019-10-28
Rated 5 out of 5 by from Simplified Home Mortgage Process Initially I was inquiring about a loan for solar panels, then I ended up doing a refinance on my mortgage and equity loan, and tying in the loan for solar. I couldn't turn down what I was offered to bundle! The whole process was very simple, and communication arrived timely whether it was from Fairwinds, or a response to a question I had.
Date published: 2019-10-24
Rated 5 out of 5 by from Great experience!!! After shopping several mortgage lenders I found Fairwinds to have both the best rate and lowest closing costs. Bonus; I also found the nicest Loan Officer, Wynter in the process. Thank you Fairwinds I will be recommending you to my friends and family!
Date published: 2019-10-02
Rated 2 out of 5 by from Poor service I had to consistently contact my mortgage loan officer for updates or even information. Even after closing the house, we are not too sure about what exactly our payments include and have to contact the bank.
Date published: 2019-09-29
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
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