Skip to main content

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 337.
Rated 5 out of 5 by from Fantastic! I have been a member a few years now and I would never go to a bank. I like having all of my financial in one place. I love the rates that are provided as they are much lower than any other entity. The employees are the best!
Date published: 2019-08-04
Rated 5 out of 5 by from Great Experience Excellent customer service. Knowledgeable staff made us feel valued
Date published: 2019-07-24
Rated 5 out of 5 by from Great value I have had a good working relationship with Fairwinds for over 20+ years.
Date published: 2019-07-24
Rated 5 out of 5 by from Extremely happy Worked with us every step of the way to ensure it all went smoothly.
Date published: 2019-07-21
Rated 5 out of 5 by from Smooth process The Fairwinds people who assisted during my refinance process are outstanding, they have made all the mortgage refinancing process easy and smooth, like sipping a mocha
Date published: 2019-07-17
Rated 5 out of 5 by from Great rates and better service! This was my second refinance with Fairwinds and it was even easier than in 2012. Several people worked with me on the refinance and everyone was extremely helpful and professional. They helped me gather all the necessary paperwork and even suggested ways to reduce my costs, things I didn't even know to question.
Date published: 2019-07-01
Rated 5 out of 5 by from Great People to Work With The people from Fairwinds were easy to work with. They kept me informed through out the process. They answered my questions and returned my phone calls promptly. I worked on line and with my local branch to complete the application process. Great People to Work With!
Date published: 2019-06-27
Rated 5 out of 5 by from Good experience The whole process for the mortgage was very quick an easy. The agent was also informative of all the options availavle.
Date published: 2019-06-23
  • y_2019, m_8, d_22, h_21
  • bvseo_bulk, prod_bvrr, vn_bulk_2.0.13
  • cp_1, bvpage1
  • co_hasreviews, tv_64, tr_273
  • loc_en_US, sid_440, prod, sort_[SortEntry(order=SUBMISSION_TIME, direction=DESCENDING)]
  • clientName_fairwinds
  • bvseo_sdk, p_sdk, 3.2.0
  • CLOUD, getContent, 440.88ms
  • REVIEWS, PRODUCT