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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.

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 308.
Rated 5 out of 5 by from Very EZ to work with Very EZ to do Bank personal very helpful most pleasant to deal with !
Date published: 2018-11-11
Rated 5 out of 5 by from New Mortgage Excellent experience; loved that everything was completed electronically.
Date published: 2018-11-08
Rated 5 out of 5 by from Excellent Service I got my mortgage loan from Fairwinds a month ago and I feel really happy for several reasons: Personnel was very professional and supported us in all the process. I strongly recommend Fairwinds as a strong and very good financial institution which is very customer oriented and gave us the best deal.
Date published: 2018-11-05
Rated 5 out of 5 by from Happy ending I join Fairwinds Credit union when I move from out of town. I am so happy I did. I got pre-approved and went house hunting. I found a new home and the constructor offered me 7K if I finance my house with them. Well the interest rate they offer was 2 points higher than the credit union and 6K more for closing cost. So I came back to FAIRWINDS where I ended up saving on the rate and the closing cost. Thank you Fairwinds.
Date published: 2018-10-28
Rated 5 out of 5 by from Everyone was extremely helpful! Superior service! From the application process to closing! Explained everything every step of the way!
Date published: 2018-10-27
Rated 5 out of 5 by from Excellent Service & Great Value I have been a Fairwinds Customer for over 2 decades and their service is excellent! They helped in making the refinance process seem almost effortless.
Date published: 2018-10-25
Rated 5 out of 5 by from Mortgage Fairwinds is so easy to work with. They made my mortgage a very pleasant experience. Jeremy was amazing!
Date published: 2018-10-22
Rated 5 out of 5 by from AMAZING!!! This was our second mortgage through Fairwinds and sixth overall. It couldn't have been handled more professionally. The process is easy and they are very proactive and responsive.
Date published: 2018-10-18
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