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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.

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 331.
Rated 5 out of 5 by from Smooth process The Fairwinds people who assisted during my refinance process are outstanding, they have made all the mortgage refinancing process easy and smooth, like sipping a mocha
Date published: 2019-07-17
Rated 5 out of 5 by from Great rates and better service! This was my second refinance with Fairwinds and it was even easier than in 2012. Several people worked with me on the refinance and everyone was extremely helpful and professional. They helped me gather all the necessary paperwork and even suggested ways to reduce my costs, things I didn't even know to question.
Date published: 2019-07-01
Rated 5 out of 5 by from Great People to Work With The people from Fairwinds were easy to work with. They kept me informed through out the process. They answered my questions and returned my phone calls promptly. I worked on line and with my local branch to complete the application process. Great People to Work With!
Date published: 2019-06-27
Rated 5 out of 5 by from Good experience The whole process for the mortgage was very quick an easy. The agent was also informative of all the options availavle.
Date published: 2019-06-23
Rated 5 out of 5 by from Home mortgage My name is Pete, I move to Orlando five years ago. My bank of choice was Fairwind credit union. I am happy I did they have a great team that help with your banking needs and questions.
Date published: 2019-06-20
Rated 5 out of 5 by from Doing business with family I became a member of Fairwinds as soon as I moved to Florida around 2000. They always go out of their way to make you feel comfortable and part of the family. Very easy to work with and always there to help when you need in financial parts of your life. Hands down purchasing my new home was the easiest I have ever done. Step by step they guided and advised how to be successful.
Date published: 2019-05-08
Rated 5 out of 5 by from Easy to work with! Great staff, great follow through, would highly recommend. Great rates on top of everything else!
Date published: 2019-04-29
Rated 5 out of 5 by from World Class Experience I recently re-financed my home with Fairwinds and would recommend to anyone. My Loan officer was so knowledgeable, patient and helped me understand each step of the process. I could not be happier with the experience and have full trust in my new account with Fairwinds.
Date published: 2019-03-22
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