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FreeStar Financial Mortgages

Service That Outshines the Rest.

When looking for a new house, the last thing you need to worry about is whether you’re getting a good value on your mortgage. At FreeStar Financial, our star team of mortgage experts remove that worry by guiding you through each step of the process. In addition, because our local mortgage team makes all loan decisions, our closing process is quick.

Take Your Dreams Higher with home loan rates and service that really shines.

Get Prequalified

Being ready to make an offer when you find that dream home is critical. That's why you should visit us first to find out what you can afford and have your prequalification ready so the real estate agent or seller knows you're a serious buyer. Contact our Real Estate Lending department to get started at 586-466-7800 opt. 2, or visit your favorite branch to sit down with a Real Estate Lending specialist.

First Mortgages

A home loan will most likely be one of the largest investments you’ll make in your lifetime. Trust FreeStar Financial to guide you through the whole process – from pre-qualifying to servicing your loan after closing.

Home Mortgage Options

FreeStar Financial offers a menu of options for you to choose from when financing or refinancing your home.
Flexible Terms:

  • 10-, 15-, 20- and 30-year fixed rate mortgages
  • 3-, 5-, and 7-year Adjustable Rate Mortgages (ARMs)

Home Equity Line of Credit

Take Your Dreams Higher using the equity in your home to get a great loan rate with extended payment terms:

  • Interest rate adjusts every 60 months
  • Low closing costs
  • Automatic payment deductions

Use this loan option to finance:

  • Major home renovations
  • Outdoor landscaping/decks
  • Pools/spas
  • Vacations
  • Education expenses
  • Debt consolidation

VA Home Loans

  • No down payment needed
  • Lower payments
  • No Private Mortgage Insurance (PMI) required
  • Finance up to 100% of your primary home’s value

Plus, no closing costs for active duty members with direct deposit. That’s a $300 savings!

Complimentary Mortgage Analysis

As a member-owned cooperative, we are able to offer excellent rates. This complimentary service takes just minutes and could help you learn how you can substantially reduce your monthly loan payments by refinancing your current mortgage with FreeStar Financial.


Fixed Rate Mortgages
Effective Date: May 1, 2017
TypePointsRate As Low As
10 Year Fixed 0 3.250%
10 Year Fixed 1 3.125%
10 Year Fixed 2 3.000%
15 Year Fixed 0 3.375%
15 Year Fixed 1 3.250%
15 Year Fixed 2 3.125%
20 Year Fixed 0 3.875%
20 Year Fixed 1 3.750%
20 Year Fixed 2 3.625%
30 Year Fixed 0 4.125%
30 Year Fixed 1 4.000%
30 Year Fixed 2 3.875%
*A loan of $100,000 at 3.125% for 180 months would have a monthly payment of $696.61. Promotional rate is subject to change at any time without notice. Equal opportunity lender. NMLS #411386

Adjustable Rate Mortgages
Effective Date: May 1, 2017
APR*
3 Year 2.990%
5 Year 3.500%
7 Year 3.875%
*APR = Annual Percentage Rate. Rate is “as low as” and may change based on credit history, collateral, term, and other determining factors. NMLS#411386

VA Mortgage
Effective Date: May 1, 2017
TypePointsAPR* As Low As
10 Year Fixed 0 3.250%
10 Year Fixed 1 3.125%
10 Year Fixed 2 3.000%
15 Year Fixed 0 3.250%
15 Year Fixed 1 3.125%
15 Year Fixed 2 3.000%
20 Year Fixed 0 3.750%
20 Year Fixed 1 3.625%
20 Year Fixed 2 3.500%
30 Year Fixed 0 3.875%
30 Year Fixed 1 3.750%
30 Year Fixed 2 3.625%
*APR = Annual Percentage Rate. Rate is “as low as” and may change based on credit history, collateral, term, and other determining factors.. NMLS#411386
*A loan of $100,000 at 3.875% for 30 years would have a monthly payment of $470.24. Promotional rate is subject to change at any time without notice. Equal opportunity lender. NMLS #411386

*APR = Annual Percentage Rate. Rate is “as low as” and may change based on credit history, collateral, term, and other determining factors.

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