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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 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 326.
Rated 5 out of 5 by from Home mortgage My name is Pete, I move to Orlando five years ago. My bank of choice was Fairwind credit union. I am happy I did they have a great team that help with your banking needs and questions.
Date published: 2019-06-20
Rated 5 out of 5 by from Doing business with family I became a member of Fairwinds as soon as I moved to Florida around 2000. They always go out of their way to make you feel comfortable and part of the family. Very easy to work with and always there to help when you need in financial parts of your life. Hands down purchasing my new home was the easiest I have ever done. Step by step they guided and advised how to be successful.
Date published: 2019-05-08
Rated 5 out of 5 by from Easy to work with! Great staff, great follow through, would highly recommend. Great rates on top of everything else!
Date published: 2019-04-29
Rated 5 out of 5 by from World Class Experience I recently re-financed my home with Fairwinds and would recommend to anyone. My Loan officer was so knowledgeable, patient and helped me understand each step of the process. I could not be happier with the experience and have full trust in my new account with Fairwinds.
Date published: 2019-03-22
Rated 5 out of 5 by from Awesome service and rate!!!! I joined FAIRWINDS a year ago with a savings account. I now have a car loan, mortgage, credit card, savings account, and checking account. Yesenia at the Narcoosee branch and Sylvia in mortgage are OUTSTANDING!!!
Date published: 2019-03-16
Rated 5 out of 5 by from Great rate & customer service We had an excellent experience working with Fairwinds to secure a loan for our first house. We received a great rate (lower than the other places we applied for pre-approval with). Our loan officer was always there to answer any questions for us. She responded in a very timely manner every time. Things went smoothly and there were no last minute surprises. Fairwinds completed everything ahead of schedule - despite that our timeline stretched the Christmas/New Years holidays. I would not hesitate to recommend Fairwinds to my family and friends.
Date published: 2019-03-12
Rated 5 out of 5 by from Great experience, so helpful! I got a mortgage consolidation with the DeLand and Orlando office and they were so amazing. Going to a credit union means you are a person not a number. Wynter in the Orlando office was with me every step of the way. Don't go with huge corporate banks who don't care about you and will rip you off.
Date published: 2019-02-24
Rated 5 out of 5 by from Great experience with Fairwinds A friend of mine is a Fairwinds member who was very happy with his mortgage. We are thankful that he referred us to Fairwinds, very positive experience for us.
Date published: 2019-02-17
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