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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 4.7 out of 5 by 248.
Rated 5 out of 5 by from Fantastic!!!! I’ve been a member with fairwinds for several years now. This was my first mortgage and for future homes I will only use fairwinds. They made the process as easy as they could and were very professional!
Date published: 2018-03-16
Rated 5 out of 5 by from Total customer service Every step of the way FFCU was there to help me and make the process simple
Date published: 2018-03-09
Rated 5 out of 5 by from Great to Work With We have been Fairwinds members since moving here 30 years ago. Recently refinanced lower interest rate and shorten term of loan. Tracie worked with us every step of the way. She was fantastic to work with and kept us informed every step of the way. She also followed up to make sure things were as we wanted. I love Fairwinds!
Date published: 2018-02-25
Rated 5 out of 5 by from Professional This is our 3rd interaction with Fairwinds and we have been pleased from the start
Date published: 2018-02-25
Rated 5 out of 5 by from Great Service Painless mortgage process. Everyone involved was friendly and answered my many questions. Online process made things simple.
Date published: 2018-02-21
Rated 5 out of 5 by from Straightforward process My mortgage experience was pretty simple and straightforward. The communication was excellent. The entire process was completed in a timely fashion with no surprises!
Date published: 2018-02-08
Rated 4 out of 5 by from Good Customer Service Buying a home has never been so easy! I feel so knowledgable about the entire process! And I got a great mortgage rate!
Date published: 2018-01-29
Rated 5 out of 5 by from Home Mortgage Mortgage team did a great job providing us what we needed.
Date published: 2018-01-29
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