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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!  For more information on all mortgage products and to pre-qualify, please contact one of our Mortgage Loan Originators:

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:

  • 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 

Adjustable Rate First Mortgages

There are several reasons to consider opting for an adjustable rate mortgage:

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

If you answered yes, then an adjustable rate mortgage may be the perfect fit for you.

Additional information:

  • 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

MassHousing Mortgages

Freedom offers MassHousing Mortgages to low- and moderate-income first-time homebuyers. These mortgages can be obtained with or without Private Mortgage Insurance and a down payment of 3% or more is required.

Additional information:

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

         Rates & Disclosures

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.

Additional information:

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

         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 $424,100, and may be the perfect solution to the problem at hand.

Additional information:

  • 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.

         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.

         Rates & Disclosures

VA Loans

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.

       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 100% 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 (80% LTV)

         Rates & Disclosures (100% LTV)


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 100% 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 (80% LTV)

         Rates & Disclosures (100% LTV)

 

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!

To apply for a Home Improvement Loan by phone 24 hours a day, 7 days a week please call 1-866-864-3621 to speak with a representative.  Or apply online by clicking the "Apply Now" button shown below.

We also offer a Skip-A-Pay option with a Home Improvement Loan where you can skip a loan payment one time during the calendar year! For more eligibility requirements, open the Skip A Pay contract below.

         Apply NOW Rates & Disclosures Skip A Pay contract

 

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.

To apply for a Personal Loan by phone 24 hours a day, 7 days a week please call 1-866-864-3621 to speak with a representative.  Or apply online by clicking the "Apply Now" button shown below.

We also offer a Skip-A-Pay option with a Personal Loan where you can skip a loan payment one time during the calendar year! For more eligibility requirements, open the Skip A Pay contract below.

*Personal Lines of Credit are only available by application at any 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.

         Apply NOW Rates & Disclosures Skip A Pay contract

 

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.

To apply for a Vehicle Loan by phone 24 hours a day, 7 days a week please call 1-866-864-3621 to speak with a representative.  Or apply online by clicking the "Apply Now" button shown below.

We also offer a Skip-A-Pay option with a Vehicle Loan where you can skip a loan payment one time during the calendar year! For more eligibility requirements, open the Skip A Pay contract below.

         Apply NOW Rates & Disclosures Skip A Pay contract

 

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?

To apply for a Recreational Vehicle Loan by phone 24 hours a day, 7 days a week please call 1-866-864-3621 to speak with a representative.  Or apply online by clicking the "Apply Now" button shown below.

And there's more! We offer a Skip-A-Pay option with a Recreational Vehicle Loan where you can skip a loan payment one time during the calendar year! For more eligibility requirements, open the Skip A Pay contract below.

         APPLY NOW RATES & DISCLOSURES Skip A Pay contract

 

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.  Call for more information or stop by any branch to apply.

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.

         Rates & Disclosures

 

Credit Cards

Choosing the right credit card is easier than ever. No matter which card you choose, you'll enjoy important features like:

  • EMV smart chip technology for added security
  • Mobile purchasing capability for added convenience
  • Plus much more!

Our partnership with Elan Financial Services has allowed us to bring you options when choosing your next credit card.

         LEARN MORE ApplY NOW

 

SAVE WITH A LONGER INTRO RATE

     Visa® Platinum Card

Save on interest with an extended introductory rate and pay down other credit card balances faster.

         LEARN MORE ApplY NOW

 

EARN VALUABLE REWARDS

     Visa® Real Rewards Card

Watch your rewards add up fast with 1.5 points for every $1 you spend on eligible net purchases, and receive automatic bonus points each month. Plus get 2,500 bonus reward points after first purchase.  Points are redeemable for cash back, merchandise, gift cards, or travel.

         Pick the best rewards card for you ApplY NOW

 

     Cash Rewards American Express® Card

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 back after your first purchase.

         Pick the best rewards card for you ApplY NOW

 

     Premier Rewards American Express® Card

Earn great rewards faster with 4X reward earnings on restaurant purchases, 3X reward earnings on airline purchases, 2X reward earnings on gas purchases, and 1X reward earnings on all other eligible net purchases, plus get 10,000 bonus reward points1 after you spend $1,000 in the first 3 months. 

         Pick the best rewards card for you ApplY NOW

  

1Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awared for balance transfers or cash advances.
 
The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A., Inc., MasterCard International Incorporated, and American Express. MasterCard is a registered trademark of MasterCard International Incorporated. American Express is a federally registered service mark of American Express.