Loan Services
Home Improvement Loans
Finish that basement. Build that deck. Fix that leaky roof. With a home
improvement loan from First Freedom Bank, you can increase the value of your
home - and make it a better place to live.
Home Equity Lines of Credit
If you've got equity in your house, you might be able to get easy access to the
cash you need for home improvements, debt reduction, education expenses, a new
car, maybe even a much-needed vacation. Free up those dollars with a home
equity line of credit from First Freedom Bank.
Auto Loans
When you are ready for a new set of wheels, don't bother with dealer financing.
Come to First Freedom for competitive rates and great hometown service. For
even greater convenience, get pre-approved for a First Freedom auto loan before
you hit the dealerships.
Personal Loans
Click here for Personal Loan Services.
Business Loans
Click here for Business Loan Services.
The Freedom Line
Avoid returned check fees with the Freedom Line - a line of credit providing funds to cover overdrafts. An interest charge and transfer fee apply. When the Freedom Line is accessed, the next deposit applies toward the balance.
Mortgage Services
Choose from conventional fixed rate mortgages, variable rate mortgages, VA and FHA loans and more. Let us help you explore the options.
Conventional Mortgages
Conventional fixed rate mortgages offer locked-in security with terms predetermined by you. You'll know exactly what to expect every month, and your interest rate won't change as market interest rates fluctuate. This type of loan is for you if you like to budget a fixed amount into your monthly expenses. Conventional loans are available for both the purchase of a home and refinancing of a home.
Adjustable Rate Mortgages
An adjustable rate mortgage, or ARM, offers a fixed rate of interest for a specified period of time, often 3, 5, or 7 years, so homeowners can plan on a consistent monthly payment for that time. After the initial period, the interest rate, payment amount and terms can change. Usually there are caps on the rate to protect the borrower from excessive changes in the rate. The initial rate and payment on an ARM are usually lower than a long term fixed rate loan.
FHA Mortgage loans
FHA mortgage loans are fixed rate mortgages that are administered by the Federal Housing Authority. Let us help you determine if you qualify for these loans that typically require lower down payments, feature easier qualification, and offer other advantages.
First Time Home Buyers
If you think you'll never be able to afford a home, think again. We want to help our neighbors become homeowners. We'll work with you to help make that happen with a variety of programs to choose from. Stop paying your hard earned money to someone else for rent and purchase your own home with our help.
100% Loan Programs
We may be able to arrange financing up to 100%, helping you to own your own home without a down payment. Our 100% loans require minimal funds from you for closing costs.
In order for us to assist you more efficiently, below is a list of items for you to bring with you when applying for a home loan:
- 2 years of W2 forms
- One full month of paystubs
- Copies of bank statements for the last 2 months
- 2 years tax returns if self employed or commissioned
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