Home Mortgage Loans

• Competitive rates for home purchase, refinance, or construction
• Convenient terms customized to your unique situation
• A wide range of financing programs available:
• Conventional Loans
• FHA, VA, and USDA Financing
• First Time Homebuyer Programs
• Participant in Welcome Home Grant Program
• Construction/Perm Loans
• Lot Loans
• Mortgage Bankers with experience in the local real estate market
• Pre-approval for extra confidence when it comes to securing financing
• Refinance your current home to potentially lower your rate
• Local decision-making and processing just down the street
• Attentive, friendly service from start to finish

Ready to apply for a mortgage loan? Here’s what you’ll need when applying for a Freedom Institution mortgage:

• Purchase Agreement – Signed by all parties, original or certified copy with all addendums
• Property Information – Single Family or multi-family dwelling
• Employment Information – Last 2 years history including names, addresses, zip codes
• Income History – Last 2 years W-2s, last 30 days’ pay stubs, social security numbers
• Residence History – Last 2 years addresses and landlord’s name and mailing address
• Liability History – Divorce Decree/Separation agreement if Child Support/Alimony is received or is to be paid
• Self-Employment – Two years signed and dated tax returns, financial statement, any and all corporate or partnership tax returns. A year-to-date profit and loss along with balance sheet signed and dated.
• Realtor’s and Insurance Agent Name & Number