Mortgage Center

First Freedom Bank offers a variety of mortgage programs to meet your needs. Whether you want to build or buy, check with us first. We offer Construction, Conventional, FHA and loans for first time home buyers. 

Applying online is as easy as 1-2-3. You can apply in as little as 20 minutes.

  1. Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed for approval.
  3. A First Freedom Bank Mortgage Officer will follow up to answer your questions.

Our goal is to provide the highest level of service at competitive rates. Our Mortgage Officers are only a phone call away if you need help. You can also review the loan type below and then apply online or you contact us at 615-444-1280 or email us at mortgage@firstfreedombank.com.

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Conventional Mortgage

Conventional mortgage products can offer instant home equity. A Conventional mortgage has down payment flexibility, with options as low as 3% for first-time homebuyers. Private mortgage insurance on Conventional products, if required, offers more flexibility than Government-backed mortgages. Conventional mortgages are also a great option for non-owner-occupied properties such as rentals or second/vacation homes.

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VA Mortgages

VA mortgages are the perfect choice for veterans and their surviving spouses. VA mortgages require no down payment, no mortgage insurance, and are backed by the Department of Veteran Affairs.

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FHA Mortgages

FHA mortgage products are backed by the Federal Government. One of the benefits of an FHA mortgage is the low down payment requirement of 3.50%. This product is designed for low-to-moderate-income borrowers who may have had some credit challenges in the past.

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USDA RD Mortgages

The USDA/RD mortgage is designed for rural or low-income areas and has lenient eligibility requirements. This mortgage product is backed by the USDA. The USDA/RD mortgage allows borrowers to achieve 100% financing and put $0 towards the down payment of their home.

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Jumbo Loans

Jumbo mortgages are used to finance properties that exceed the conventional conforming loan limit. Having a Jumbo mortgage can help borrowers avoid having multiple loans on one property. Jumbo loans can often offer interest rates competitive with those of a Conventional mortgage.

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