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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

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 205.
Rated 5 out of 5 by from Good interest rate I have been a member for many years. I am pleased with help and guidance I received from the staff for my home mortgage.
Date published: 2017-07-10
Rated 5 out of 5 by from Great interest on my rental I have been a member since it was Winter Park Hosp CU
Date published: 2017-07-04
Rated 5 out of 5 by from Outstanding Service We have been members of Fairwinds for 19 years but have never done a mortgage through them. On a recent home purchase we shopped rates and found that Fairwinds was the lowest. Kim and Rachel were both outstanding to work with. The service was better than any mortgage company we have ever worked with. Everything was very easy, the document requests were not onerous and we were approved in a matter of days. I would recommend Fairwinds for anyone looking to purchase or refinance a house.
Date published: 2017-07-03
Rated 5 out of 5 by from Complex but a success Due to the complexity (ex wife in the U.K.) I was supported through the process and we worked out a solution.
Date published: 2017-07-02
Rated 5 out of 5 by from Great service! Everyone was so helpful and very pleasant. It was my first time buying a home and it was a positive experience.
Date published: 2017-06-23
Rated 5 out of 5 by from Excellent Mortgage Service! I appreciate the personal care and compassion extended to me when I assumed our family home after my mother's passing. The entire process was handled with extreme professionalism. I was thrilled with how quickly we closed! Thank You
Date published: 2017-06-23
Rated 5 out of 5 by from Fantastic! We saved thousands and thousands and couldn't ask for nicer, wiser experienced people....
Date published: 2017-06-09
Rated 5 out of 5 by from Feels like Family! Every transaction is handled with ease & efficiency, from the mortgage to opening checking & savings accounts and follow up banking, Fairwinds ROCKS!
Date published: 2017-06-07
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