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Mortgages

Finding the right house, figuring out if you can afford it, moving and packing, selling your current home—there’s a lot to deal with when buying a new home. That’s why we make mortgages easy at Freedom.

Find the Right Mortgage

Whether you’re a first-time home buyer, upsizing, downsizing or refinancing, our mortgage professionals will help you every step of the way. Our great rates and low fees mean more money goes to your new home, and mortgage pre-qualifications are always free. For more information about our mortgage options and to pre-qualify, click the Apply Now button and choose your Mortgage Loan Originator.


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.

Please note:

  • 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

Adjustable Rate First Mortgages

An adjustable rate mortgage might be the perfect fit for you if you:

  • Plan on selling or refinancing the home before the end of the initial rate period
  • Anticipate your income rising enough in the coming years to cover higher mortgage payments
  • Want an initial lower payment to qualify for a larger loan
  • Believe rates may decline in the future and can accept the risk (or afford higher payments) if they do not

Please note:

  • 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

Freedom 100 Mortgage Program

For first time home-buyers. At least one borrower must complete FTHB counseling on all loans under this program. Maximum of 100% LTV on single family home, or 95% LTV on 2 family home. Landlord counseling required for purchases of a 2 family home (all borrowers).

Please note:

  • 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

Mhp – 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.

Please note:

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

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 for single-family home mortgages up to $726,200, and may be the perfect solution.

Please note:

  • 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

FHA Loans

FHA loans offer lower down payments and are a good option for many 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.