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Loans that make achieving your goals a little bit easier.

Mortgages


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!

Conventional Fixed-Rate First Mortgages

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. 

Additional information:

  • $149 processing fee paid by member at closing
  • Property and casualty insurance required
  • Flood insurance required if property is in a flood zone
  • Owner-occupied properties only
  • Payments do not include amounts for tax and insurance premiums, if applicable, and hence the actual payment obligation may be greater

Mortgage Pre-Qualification

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. Pre-qualify online today by clicking on “The Apply Now” button or call one of our loan originators to set up an appointment.

Apply Now   Rates & Disclosures

Massachusetts Housing Partnership – ONE Mortgages

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.

Additional information:

  • Property and casualty insurance required
  • Flood insurance required if property is in a flood zone

To learn more about the benefits of the ONE Mortgage or to apply, contact:

Rates & Disclosures

Jumbo First Mortgages

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 $417,000, and may be the perfect solution to the problem at hand.

Additional information:

  • $149 processing fee paid by member at closing
  • Property and casualty insurance required
  • Flood insurance required if property is in a flood zone
  • Owner-occupied properties only
  • Payments do not include amounts for tax and insurance premiums, if applicable, and hence the actual payment obligation may be greater

Apply Now Rates & Disclosures

FHA Loans

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:

Rates & Disclosures

USDA Loans

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:

Rates & Disclosures

Home Equity Loans

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.

Home Equity Lines of Credit

Freedom’s very low-rate Home Equity Line of Credit offers you funds when you need them! Additional information:

  • Financing available up to 80% LTV
  • Recording fee paid by member at closing
  • Minimum line amount of $10,000
  • Property and casualty insurance required
  • Flood insurance required if property is in a flood zone

Apply Now   Rates & Disclosures


Fixed Rate Home Equity Loans

Our Home Equity Loan was designed for members who want the security of a low, fixed rate, and a one-time disbursement of funds.

Additional information:

  • Financing available up to 80% LTV
  • No closing costs or application fees
  • Recording fee paid by credit union at closing
  • Minimum line amount of $10,000
  • Property and casualty insurance required
  • Flood insurance required if property is in a flood zone

Apply Now Rates & Disclosures

Home Improvement Loans

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!

Apply NOW Rates & Disclosures

Personal Loans

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 $2,500 and must be attached to a Freedom Checking Account.

Apply NOW Rates & Disclosures

Vehicle Loans

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.

Apply NOW Rates & Disclosures

 

Recreational Vehicle Loans

Freedom is here to help you buy anything that moves you, such as motorcycles, boats, and RVs. What does your next adventure call for?

APPLY NOW RATES & DISCLOSURES

Student Loans

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.

Additional information:

  • Borrow up to $50,000 for tuition, books, fees and room and board at an attractive fixed rate.
  • Funds are available for college, graduate school, qualifying K-12 programs and private post-secondary schools (American Career Institute, Branford Hall, Hallmark Institute of Photography, etc.)

Apply NOW Rates & Disclosures

Credit Cards

Looking to bump up your rewards, or maybe even your credit score? Freedom is here to bring you the credit card that truly works for you. Our partnership with Elan Financial Services has allowed us to bring you options when choosing your next credit card.

LEARN MORE ApplY NOW

 

ENJOY A LONGER INTRO RATE

     Visa® Platinum Card

  • Our BEST introductory offer
  • Save on interest and pay down your other credit card balances faster

 

EARN VALUABLE REWARDS

     Visa Bonus Rewards Card

  • Earn 1 point for every net $1 you spend, plus get a 25% BONUS (that's equivalent to 1.25 points) on all points earned every month, automatically 1
  • $25 cash back after your first purchase

     Visa Bonus Rewards PLUS Card

  • Earn 1 point for every net $1 you spend, plus get a 50% BONUS (that's equivalent to 1.5 points) on all points earned every month, automatically 2
  • $50 cash back after your first purchase
  • Low annual fee

     Cash Rewards American Express® Card

  • Earn up to 3% cash back on gas
  • Also earn up to 2% cash back at supermarkets and 1% on all other purchases
  • $25 cash back after your first purchase

     Travel Rewards American Express Card

  • 3X reward earnings on airline purchases, 2X reward earnings on restaurant and hotel purchases
  • $75 cash back after your first purchase
  • Low annual fee

 

BUILD YOUR CREDIT 3

     Visa College Rewards

  • For college students
  • Great rates and manageable credit lines
  • Earn 1 reward point for every net $1 you spend on purchases

     Visa Secured Card

  • Excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card.
  • Flexible credit lines based on a security deposit ranging from $300 to $5,000
  • Low annual fee

 

1The 25% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases (purchases minus credits and returns) plus an additional 25% (0.25) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.25 points)
2 The 50% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases (purchases minus credits and returns) plus an additional 50% (0.50) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.50 points)
3Late payments and going over the credit limit may damage your credit history