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FAIRWINDS branches will be closed on Monday, January 20 in observance of Martin Luther King Jr. Day.

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
  • 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 359.
Rated 5 out of 5 by from Smooth process I’ve been a member of Fairwinds since I moved to Orlando almost 4 years ago. When the time came to start looking at homes, I shopped for loans at different places. Once I got in touch with Fairwinds, Kim and Sarah took the time to help me through the entire process. As I first time homebuyer, I had a lot of questions and they had even more patience. They walked me through everything with care and thoughtfulness. They answered all my questions and broke everything down for a rookie. When I had to choose on a lender, there was no question about it. Fairwinds has proven to be the financial provider that best fits my needs. They got me an amazing deal and they treat you with the type of service that is unmatched in big banks. 11/10!!
Date published: 2020-01-01
Rated 5 out of 5 by from Good experience Went into Fairwinds looking for a loan, came out on track for a mortgage refinance that would more than meet my needs and save me money in the long term. Great experience, wonderful people.
Date published: 2019-11-30
Rated 5 out of 5 by from Great Customer Service The mortgage process was very smooth, and all questions were answered.
Date published: 2019-11-18
Rated 5 out of 5 by from Lowered!!!! We are fairly new Fairwinders.....Mortage rate LOWERED.......Mortage payment LOWERED.......Mortage length LOWERED..process was smooth & easy.....closing was quick......we're hoooked!!!!
Date published: 2019-11-15
Rated 5 out of 5 by from Experienced Professionals! Taylor G. & Lindsey B. were wonderful to work with and Fairwinds provided a great rate.
Date published: 2019-11-14
Rated 5 out of 5 by from Great rate, easy process! I have been a Fairwinds customer for many years and the service provided has always been considerate and professional.
Date published: 2019-11-03
Rated 5 out of 5 by from Mortgage process I have had many mortgages in the past. This was my first mortgage with Fairwinds and by far my best experience with a mortgage application . The Fairwind's mortgage team did a great job processing and communicating along the way. Hats off to the mortgage team . If I ever need another mortgage the decision is easy .
Date published: 2019-10-28
Rated 5 out of 5 by from Simplified Home Mortgage Process Initially I was inquiring about a loan for solar panels, then I ended up doing a refinance on my mortgage and equity loan, and tying in the loan for solar. I couldn't turn down what I was offered to bundle! The whole process was very simple, and communication arrived timely whether it was from Fairwinds, or a response to a question I had.
Date published: 2019-10-24
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