We have a unique option for home equity! With EquityFlex, you can lock in a rate for 5 years and it will continue to adjust every 5 years over the life of the loan - instead of every time the Prime Rate changes.

For loans that are $100,000 or less, you can also skip the closing costs and appraisal fee! Check today's rates and see if this product is right for you.
EquityFlex provides you with a lump sum of funds at the start of your loan.
Adjustable rate with a fixed payment that adjusts every five years.
Loans up to 90% of Loan-to-Value. Up to 240 months to repay.
Interest may be tax deductible. Often has lower monthly payments than other home equity products. Please consult a tax adviser for further information regarding the deductibility of interest.

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Frequently Asked Questions

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Get Paid Early with Direct Deposit

Wednesday is the new Friday with Freedom First's Get Paid Early feature when you have direct deposit!

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APR is a variable rate and may change at any time. APR is based on the highest Prime Rate published in the Money Rates table of The Wall Street Journal + a minimum 1.00% margin for the life of loan. Prime Rate as of 7/27/2023 is 8.50%. A payment example for a consumer who finances $10,000 at 8.75% APR with an initial monthly principal and interest payment of $88.37 for the first 60 months. After the initial period the variable rate and payment will adjust every five (5) years and equal the total of the Wall Street Journal Prime Rate plus a minimum margin of 1.00%. Payment amounts do not include taxes and insurance and repayment terms may vary depending upon rate. Actual rates may vary depending upon credit qualifications and selected terms. The minimum amount is $10,000. The maximum loan amount is $250,000. The loan-to-value ratio can be up to 90%. Property insurance and flood insurance, if applicable, must be in effect on the property being secured. Other rates and terms may exist for applications which do not qualify under the aforesaid conditions. Equity Flex Loans are subject to credit approval, verification and collateral evaluation. Consult a tax adviser for further information regarding the deductibility of interest and charges.