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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 224.
Rated 4 out of 5 by from cesar I became a member because of the low interest rate the was offer for my refinance.
Date published: 2017-11-09
Rated 5 out of 5 by from Excellent customer service! The Fairwinds team was helpful throughout the refinancing our home. From the initial meeting to signing the paperwork, the process was never stressful and always comfortable. All of our questions were answered. Very pleased!
Date published: 2017-11-04
Rated 4 out of 5 by from Tracie was awesome! My loan officer, Tracie, was just awesome.! What a timely and professional person! She made it all happen!
Date published: 2017-10-23
Rated 5 out of 5 by from Excellent I joined Fairwinds to take advantage of their "Retire Your Mortgage" program. This is a great product. Everyone worked hard to get me approved.
Date published: 2017-10-21
Rated 5 out of 5 by from Good experience Have been with Fairwinds for a couple of years and all of our interaction has been good. Glad we do our banking with them. They helped us every step of the way to get our mortgage.
Date published: 2017-09-27
Rated 5 out of 5 by from comfortable during process I was kept informed and guided through each step of the process
Date published: 2017-09-26
Rated 5 out of 5 by from Amazing Easiest closing on a house I've ever done. Love Fairwinds
Date published: 2017-09-24
Rated 5 out of 5 by from Soooo efficient! I went into my local branch just to ask questions and see what my options were, and Tracy was absolutely helpful and patient in explaining things and giving her financial advice! They are great at staying in contact with you through the process and keeping your best interest at heart. I would recommend their services anytime.
Date published: 2017-09-23
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