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Updated: Wed, April 08, 2020 at 12:58pm EDT

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.

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 Member Reviews

Home Mortgage is rated 4.8 out of 5 by 372.
Rated 5 out of 5 by from Effortless Applied to refinance a mortgage and was able to close in around 30 days. Heather L was great. Answered all questions with ease. Joining the Credit Union was easy too.
Date published: 2020-04-01
Rated 5 out of 5 by from Great experience!! I've been banking with Fairwinds for 11yr's best credit union with exceptional service
Date published: 2020-03-30
Rated 5 out of 5 by from Excellent outcome We entered the re-finance process in a time of declining rates. The branch manager and the mortgage officer were careful not to over-promise but they certainly did over-deliver. Our mortgage was re-locked twice at a lower rate. We really were pleased.
Date published: 2020-03-26
Rated 5 out of 5 by from Great service! I originally started the refinance process with another company. Fairwinds Credit Union lowered the interest rate on the loan and included all of our debt, making them the best choice!
Date published: 2020-03-21
Rated 5 out of 5 by from Great service They stayed with me and worked continuously to get my refinance done.
Date published: 2020-03-20
Rated 5 out of 5 by from Great experience!!! By far the easiest mortgage reference I've ever had and I couldn't be happier with everyone at Fairwinds Credit Union.
Date published: 2020-03-14
Rated 5 out of 5 by from Great Work I love Fairwinds. The service and people are great.
Date published: 2020-03-03
Rated 5 out of 5 by from Fast and easy Great Mortgage Team got it done fast excellent service
Date published: 2020-02-25
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