Finding that right house, figuring out if you can afford it, moving and packing, selling your current home (which means cleaning it, too…) – when is anything about buying a new house easy? We can answer this question: When you come to Freedom to get your mortgage.
Whether you’re looking to buy a new home or refinance your current one, our mortgage professionals will help you every step of the way. Our great rates and low fees means more money goes to your new home. At your credit union, pre-qualifications are always free!
If you have a down payment of 5% or more and need a term anywhere up to 30 years, our flexible Conventional Mortgage may be just the right fit.
Freedom Credit Union can pre-qualify you prior to purchasing that new home. It is important to know the type of loan program you may qualify for and how much of an estimated mortgage you can afford before putting in an offer. Pre-qualification is only a preliminary decision, and not an approval. A Freedom Credit Union pre-qualification letter can give you the purchasing power and confidence you need when negotiating with realtors and sellers. For more information, contact:
Freedom now participates in the ONE Mortgage Program and offers the ONE Mortgage to low- and moderate-income first-time homebuyers. A down payment of 3% or more is required, but Private Mortgage Insurance is not.
To learn more about the benefits of the ONE Mortgage or to apply, contact:
Can’t get a mortgage with a high-enough limit to cover the price of the home you’d like to buy? The Jumbo Mortgage is available on single-family home mortgages over $424,100, and may be the perfect solution to the problem at hand.
FHA loans offer lower down payments and are a good option for first-time homebuyers. The loans are insured through the Federal Housing Administration (FHA), which is part of the U.S. Department of Housing and Urban Development. For more information, contact:
Loans through the U.S. Department of Agriculture (USDA) can help rural homebuyers achieve their dreams of owning their home! USDA loans are also not limited to first-time homebuyers. For more information, contact:
VA loans, through the U.S. Department of Veterans Affairs (VA), help Service members, Veterans, and eligible surviving spouses become homeowners. Certain eligibility requirements apply. For more information, contact:
Sometimes, time just passes – and it’s called life. The college education for your (not-so-little) kids that sky-rockets every year. The kitchen that hasn’t been cool since 1992. That dream vacation you planned to take 10 years ago. Perhaps it’s time to put the equity in your home to work for you.
Freedom’s very low-rate Home Equity Line of Credit offers you funds when you need them! Additional information:
Our Home Equity Loan was designed for members who want the security of a low, fixed rate, and a one-time disbursement of funds.
Have a much-needed remodel coming up? Freedom offers Home Improvement Loans for specific home improvement projects ranging from remodels to energy efficient additions. Rates are lower than Personal Loan rates!
We get it, it’s personal. Whether you need to make a purchase, have a daunting expense approaching, or want to consolidate those ugly high-interest loans – Freedom is here to provide you a personalized Personal Loan. Personal Loans are unsecured with amounts available up to $15,000, depending on income and credit.
Personal Lines of Credit are only available by application at any one of our branches. The maximum amount available on a Personal Line of Credit is $5,000 and must be attached to a Freedom Checking Account.
Whether it’s that 1965 Cadillac or the 2014 Prius V (is it a van or a sedan?), you’ll get the same great rate at Freedom. With 100% financing of the NADA retail value available, ZERO restrictions on the age of your vehicle, and repayment terms to suit your personalized needs - your credit union is here to offer you an Auto Loan catered to you!
Get pre-approved today before you go to the dealer to avoid hassle and time wasted.
Looking to refinance? If your payment with another lender is too high, let us see if we can help you.
Recreational Vehicle Loans
Freedom is here to help you buy anything that moves you, such as motorcycles, boats, and RVs. Financing up to 80% of the NADA retail value for recreation vehicles and up to 100% for motorcycles. What does your next adventure call for?
Why does it seem like the cost to go to college goes up every year? According to FinAid (finaid.org), this is not a phenomenon because tuition rates increase at twice the general inflation rate – year after year. Freedom realizes that often, gaps will be left when federal loans, grants and other financial aid do not cover all of your education expenses – and a little extra help may be needed. An Education Loan from your credit union is here to save the day.
Choosing the right credit card is easier than ever. No matter which card you choose, you'll enjoy important features like:
Our partnership with Elan Financial Services has allowed us to bring you options when choosing your next credit card.
Save on interest with an extended introductory rate and pay down other credit card balances faster.
Watch your rewards add up fast with 1 point for every $1 you spend on eligible net purchases, and receive automatic bonus points each month. Plus get $25 cash back1 after your first purchase.
Watch your rewards add up even faster with 1 point for every $1 you spend on eligible net purchases, and receive even more automatic bonus points each month. Plus get $50 cash back1 after your first purchase - all with a low annual fee.
Earn cash back1 every time you use your card: 3% on gas, 2% at supermarkets, and 1% on all other eligible net purchases, plus $25 cash back1 after your first purchase.
Earn great rewards faster with 3X reward earnings on airline net purchases, 2X reward earnings on restaurant and hotel net purchases, and 1X reward earnings on all other eligible net purchases, plus get $75 cash back1 after your first purchase - all with a low annual fee.
Get off to the right start with a great rate and manageable credit line, plus earn rewards on your everyday spend.
Start building (or rebuilding) your credit history, even if you've been turned down for other credit cards, with flexible credit lines based on a security deposit and a low annual fee.