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Looking for Loan Rates?
Mortgage interest rates change everyday. Unlike other companies that advertise interest rates with hidden fees only to disappoint you later, we encourage you to contact one of our experienced loan officers right now to find out the best lending program currently available to meet your family's needs today and for your future.

Underwater On Your Mortgage? You're Not Alone

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Freedmont Survey

A Federal Reserve survey of senior bank officials says banks are making it easier to get a mortgage. Do you agree?

  • Yes, the requirements and process are easier than they have been.
  • No, it's still hard to qualify for and secure a mortgage loan.

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Find The Best Agent To Sell Your Home

In a buyers market, it's more important than ever to have an experienced real estate agent representing to get top dollar for your home. Presuming your residence is cleaned, repaired and painted in preparation for selling it, the next vital step is to interview at least three successful realty agents who sell homes like yours in your vicinity.

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Featured Products

The Federal Housing Finance Agency has removed several key barriers to the Home Affordable Refinance Program (HARP) in order to allow more underwater borrowers move into lower-rate mortgages. Learn more now!

FHA Mortgage Insurance Programs

  • Buying Your First Home?
    FHA might be just what you need. Your down payment can be as low as 3.5% of the purchase price, and most of your closing costs and fees can be included in the loan. Available on 1-4 unit properties.

  • Want a Fixer-Upper?
    FHA has a loan that allows you to buy a home, fix it up, and include all the costs in one loan. Or, if you own a home that you want to re-model or repair, you can refinance what you owe and add the cost of repairs - all in one loan.

  • Financial Help For Seniors
    Are you 62 or older? Do you live in your home? Do you own it outright or have a low loan balance? If you can answer "yes" to all of these questions, then the FHA Reverse Mortgage might be right for you. It lets you convert a portion of your equity into cash.

  • Want To Make Your Home More Energy Efficient?
    You can include the costs of energy improvements into an FHA Energy-Efficient Mortgage.

VA Guaranteed Home Loans


Home loan guarantees from the Department of Veterans Affairs (VA) are for homebuyers who are eligible veterans. Veterans must have a Certificate of Eligibility (COE). Unmarried surviving spouses of veterans who died on active duty or as the result of service-connected disabilities are also eligible for VA home loan guarantees. VA guaranteed loans offer:
  • No mortgage
    insurance cost
  • No down
    payment required
  • No VA maximum
    loan amount


RHS Guaranteed Rural Housing Loan Program


Rural Housing Service (RHS) loan guarantees are for low and moderate-income families who want to buy modest single-family homes in rural areas. Families must plan to live in the homes they buy. The government guarantees the loans. Therefore, no private mortgage insurance is required.
RHS guaranteed loans offer:
  • No mortgage
    insurance cost
  • No down
    payment required
  • Closing costs can be
    included in the loan amount


If you're like most people, buying a home is the biggest investment you'll ever make. Annual mortgage, taxes and insurance costs can range from 25% to 40% of your gross annual income. Protecting yourself and make the home-buying process easier by becoming an informed consumer.

Understand the process>

Click here to determine whether it's time
for you to refinance and learn more about
the benefits of mortgage refinancing.