Freedom to Borrow

Getting pre-approved for a home loan is the first step you need to take whether you are buying your first home or your twentieth. Pre-approval provides you with a good working figure on how much home you’ll be able to afford, and it proves to real estate agents that you are a serious buyer and not just “window shopping.”

The best part is, our pre-approval letters are REAL commitments. When we say you’re approved, we mean you have been through final underwriting. The only thing left is for the property value and title report to be evaluated and approved for funding.

We do not drop our members at the last minute as the rest of the financial industry does far too often.

Considering a little remodeling on your current home? Our Home Equity Line of Credit (also known as a HELOC) can provide you with an open line of credit based on the equity in your home. You can then draw from that as you need it, only paying interest on the portion of the loan you’re actually using. These funds can be used for any purpose you desire.

There are a lot of moving parts to mortgages, refinancing, and Home Equity Lines of Credit. We’re happy to help you understand everything from start to finish.

Purchasing a mobile or manufactured home? There aren’t a lot of other financial institutions that offer these kinds of loan options. But we specialize in financing titled mobile homes. We can assist you if you already own (or plan to own) the land on which the home will sit, or if someone else owns the land (mobile home park). And just like with the purchase of a standard home, we can get you pre-approved before you start shopping to help you determine the loan that best fits your budget.

When you’re ready to make your great escape (or you just need a reliable way to get to work), come see us first. We can get you pre-approved for a new or used vehicle.

The key is to talk to us first so we can provide you with valuable vehicle pricing information and purchasing tips to help you best negotiate at the dealership. Or if you just want to refinance your current vehicle, let us work with you on that.

Either way, you’ll enjoy:

Whether you prefer to keep your feet firmly planted on the ground or you find your happy place out on the water, our Boat and RV Loans are ready to help you reach your next adventure. If you’re looking to refinance your current boat or RV, we can help make that happen, too.

By land or by water (or both), you’ll enjoy:

Credit cards are a natural choice for everyday purchases in-store, online, and by phone. They’re also a terrific option for handling emergencies. Additionally, they are often required for hotels and car rentals.

With a Freedom Northwest VISA^® Credit Card, you have all of that working for you, plus:

In addition to our Freedom Northwest VISA^® Credit Card, we also offer personal loans and lines of credit. These can be used for a dream vacation, wedding, tattoo, emergencies, to consolidate your credit cards, or anything else.

With our Personal Loan, you’ll receive the agreed upon lump sum up-front that you’ll then pay back over an equal number of monthly payments based on the APR (Annual Percentage Rate) and the term of the loan. Typically, the longer the term, the lower your monthly payment will be. Just remember, the longer you take to pay back the loan, the more money you will pay in interest charges.

With our Personal Line of Credit, you’ll have access to the agreed upon lump sum, but your monthly payment will likely vary. This is because the payment is based only on the amount you’ve actually used. Your monthly payment is only a percentage of what you’ve borrowed from the line.

The unused portion of the line remains available for when you need it. Interest is calculated on the average daily balance.

Either way, with Freedom Northwest, you’ll enjoy:

Use any of the calculators below to see just how our loans and lines of credit can get you where you want to go.