Mortgage Refinance
Lock in a shorter term, save on interest, and move closer to mortgage-free living with personal, in-house service at every step of your homeownership journey.
Refinancing the FAIRWINDS Way
We don't just provide refinances. We help you refinance the right way so you can pay off your home sooner, take on less debt, and stay on track for financial freedom.
Why you refinance matters. If your goal is to pay off your home sooner, refinancing may be a smart step.
A responsible refinance looks beyond short-term relief and keeps more money working for your future.
We provide the transparency and support you need to choose a refinance that aligns with your life.
Enjoy added peace of mind. If rates drop before closing, you may be able to re-lock at a lower rate.
We Offer Mortgage Refinancing Across the Country
Mortgage refinancing solutions are currently available to members in:
Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Kentucky, Maryland, Massachusetts, Minnesota, Michigan, Missouri, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin.
Make Your Mortgage Work Harder For You
Depending on your current loan and today’s rates, refinancing could help you:
Responsible Refinancing Recommendations
A responsible refinance isn't about slashing your monthly payment. It's about moving you closer to not having a mortgage at all.
A lower rate can lead to significant savings over time. Consider both the rate drop and how quickly you'll break even on refinancing costs.
Refinancing could remove mortgage insurance and lower your monthly payment without extending your payoff date.
Choose a 15-year term to pay off your home sooner, pay less interest, and avoid restarting your mortgage timeline.
Your payment might increase, but it should still fit your budget. Leave room for your other expenses, so your refinance adds value, not stress.
Mortgage Refinance Calculator
Explore whether refinancing makes sense for your financial situation and goals. See how your new payment plan could look and how much you may save in total interest.
Refinance to a Shorter Term
The difference between a 15‑year and a 30‑year mortgage on a $300,000 home can be more than $200,000 in interest. That’s money you could put toward your goals, your investments, and your future. Refinancing to a shorter term helps you pay less interest overall and own your home sooner.
Rates are updated frequently and are subject to change without notice. Your actual rate is based on your credit quality, down payment, loan term, and amount financed. Rate lock cutoff time is 4:00 PM ET. Any lock requests received after 4:00 PM EST will be subject to tomorrow’s posted rates. Interest rates above are based on a loan amount of $250,000 single-family home as a primary residence, purchase transaction, 45-day rate lock, credit score of 780, and a loan-to-value of 80%. Discount points may apply. Terms and conditions subject to change at any time without prior notice. Taxes and insurance not included; therefore the actual payment obligation may be greater.
More Ways To Speed Up Your Payoff
Whether or not refinancing is right for you, these tips can help you pay off your mortgage faster, reduce interest, and move closer to being mortgage-free.
Freedom Payments
Add extra principal payments to lower interest costs and shorten your payoff timeline, with no pre-payment penalties. Even if refinancing isn't a good fit for you, Freedom Payments offer a way to pay off your mortgage faster.
Let’s Make Mortgage-Free Living Happen Sooner
Talk With a Mortgage Expert
Want to know more about refinancing? If you need support or guidance, we're here for you. Call 888-413-0672, and we'll help you move forward with clarity.