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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

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 4.6 out of 5 by 184.
Rated 5 out of 5 by from Quick, easy, and stress free Since I am inching closer to retirement, I decided to review my mortgage and compare it with current choices and rates. I routinely pay extra toward my principal and was unsure how to do the comparisons. My loan officer was able to make the comparisons and provide me with options which saved me money and payment years. Once I made the decision to go forward and the rate was locked in, the loan proceeded to closing in 34 days. From my initial contact at the branch office with Tracy, through my loan officer Sherri, loan processor Eduardo, and everyone they retained to handle survey, inspection, and closing, I was met with professionalism, courtesy, and cheerful assistance. The title closing officer, Cindy, even drove me back to my office because it started to rain while I was signing my paperwork. I am very pleased with my decision to work with Fairwinds on my new mortgage.
Date published: 2017-03-24
Rated 5 out of 5 by from Member Service #1 We just closed on a new home a month ago with Fairwinds. Tracie and Carly (my personal branch contact for the past 5 years) were awesome throughout the whole process of the deal. And the Home Advantage/CU Realty Services program is sensational with the ability to work with a professional Realtor; like Dora, hand in hand with Fairwinds. Fairwinds fees and rates were lower or in line with national companies that I shopped and compared. In the end, from the relationship with Carly and Fairwinds over the years as a Member…I knew I was going to be treated the best and fairly by Fairwinds. This was one transaction that went smoothly, and the entire team exceeded my expectations on every level.
Date published: 2015-10-21
Rated 3 out of 5 by from Retire your mortgage, okay Rate was quoted with a point calculated in to the original GFE, but I was not told about it till I went to rate lock. The rate lock processed at a higher percent than I expected due to home value being estimated lower. However, once the appraisal came in, I was in the range to get a better rate, but it was too late to lock it higher. Rate was still better than I had, but not as good as I should have got. Closing costs were covered, but the way they transferred to the GFE was confusing. Additionally, my FHA closing date was missed, so I had to wait a month in order to avoid paying interest on two loans... Fairwinds was easy to work with, but there were issues along the way I had to pay attention to.
Date published: 2015-07-31
Rated 5 out of 5 by from Exceptional Service Once Again!! About 3 months ago, I became a member and refinanced my vehicle through Fairwinds. At that time, I received exceptional service from all employees, including Josh, at the Alafaya location. Recently, I purchased a new home using Fairwinds online, due to past Service & Rates and again, EXCEPTIONAL service from Fairwinds employees such as Lee, Carmella, Mickey and many more for a seamless and quick closing! Even after my closing, the service continues and I want to say thank you very much!!! I have only been a member for only a short period of time and this is true personal banking. Fairwinds employees build relationships with their members and that is a great and comforting experience. Again, thank you very much! Member for life, Charles C.
Date published: 2015-10-30
Rated 5 out of 5 by from Best Mortgage Ever! I have been a member of Fairwinds for many, many years. I have had car loans and several different accounts and my family are members too. When I decided to move to north Florida I contacted Sherrie Mabe, a loan officer, to feel the waters about getting my mortgage with Fairwinds. She was so positive, professional and helpful I knew Fairwinds was the place for our mortgage. From the approval letter to the closing the mortgage was flawless. I really am thankful to work with such great people and happy to have my mortgage with Fairwinds.
Date published: 2015-09-04
Rated 5 out of 5 by from Fantastic until the closing came The overall experience was extraordinary. Sherri Mabe and Dawn Fernander were there for us all the time. They were professional, easy to get in touch with, provided acurate and timely information and willing to support changes and adjustments along the process. The being said... at the closing, in order to complete the transaction on that day WE WERE FORCED TO MAKE A DISCLOSURE REGARDING ETHNICITY ON THE HUD-1 FORM THAT I HAD REFUSED TO DO WHEN I ORIGINALLY APPLIED FOR THE LOAN. I provided feedbak on this issue on a form given to us at closing to rate the service and apparently no one reads those things or just don't care. When dealing with Fairwings on a mortgage maybe you should request advance copies of the papers you will be asked to sign so you avoid surprises at closing....
Date published: 2015-09-02
Rated 5 out of 5 by from Amazing experience! I was shopping around for a specific product (mortgage) and I just happened to walk in to a branch, the service from the moment I walked in blew my expectations through the roof. From the application, to the the day of the closing, the experience was a breeze. Kim kept me informed at all times, and she (along with her team) manage to get my mortgage closed in less than 18 days, what an experience. I now bank, and give all my business to FW. That's why I HIGHLY RECOMMEND FW, you won't be disappointed.
Date published: 2015-10-24
Rated 5 out of 5 by from Awesome experience! I had a wonderful experience with my whole mortgage process. My loan officer, Kim, helped me every step of the way. She was knowledgeable and understanding and every time I spoke with her, I had her full attention. She was able to guide me seamlessly through from start to finish. The gift basket at closing was a nice touch, as was finally meeting her in person. When I need a mortgage again, I will be contacting her first. No point in bothering with any other bank!
Date published: 2015-10-14
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