Skip to main content | Get the freedom to go further.

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 410.
Rated 5 out of 5 by from Professional I'm a Fairwinds member since 1995, always have a great service and product.
Date published: 2021-03-13
Rated 5 out of 5 by from Great Experience I feel that I made a great decision becoming a member of FAIRWINDS. Great bank to work with.
Date published: 2021-03-07
Rated 5 out of 5 by from Great Bank and people I have been banking with fairwinds for over 15 years now and they’ve been with me through most of of my big purchases. They’re always honest and gives that hometown feel while being very competitive with their rates. I also appreciate the people who work there and the culture of the bank. Nice job and please keep doing what you’ve been doing all these years. It’s worked for me and I hope to continue to work your bank and people.
Date published: 2021-02-25
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
  • y_2021, m_4, d_15, h_17
  • bvseo_bulk, prod_bvrr, vn_bulk_3.0.14
  • cp_1, bvpage1
  • co_hasreviews, tv_80, tr_330
  • loc_en_US, sid_440, prod, sort_[SortEntry(order=SUBMISSION_TIME, direction=DESCENDING)]
  • clientName_fairwinds
  • bvseo_sdk, p_sdk, 3.2.0
  • CLOUD, getContent, 117.68ms