Comprehensive Banking for First Responders

Freedom Bank is focused on meeting the financial needs of firefighters, law enforcement personnel, nurses, teachers, and other first responders. Working with you as your financial partner, we will provide solutions to achieve your financial objectives. We are eager to assist the individuals and small businesses that serve our communities and play a critical role in promoting public safety in our area.

WE OFFER SOLUTIONS FOR ALL YOUR BANKING NEEDS

Checking:

• Free Online & Mobile Banking*
• Waived ATM Surcharge Fees
• Bill Pay
• Unlimited Transactions
• Unlimited Check Writing
• Free Debit Card

Loans:

• Home Equity Loans
• Credit Cards
• Mortgage Loans, including:
  • First-Time Homebuyers
  • FHLB and VHDA Grants
  • FHA/VA Loan Programs
  • USDA Loans
  • All traditional and conforming mortgage products
  To learn more about our mortgage offerings, please visit our mortgage page byclicking here.

Savings:

• Personal Savings Accounts
• Certificates of Deposit (CDs)
• Money Market Accounts
• Traditional, Roth, Simplified Employee Pensions (SEPS) and Rollover IRAs

Contact Gabrielle Seng, VP, Branch Sales Manager at gseng@freedom.bank / 703-667-4129 or Sopa Keo SVP, Business Development Officer at skeo@freedom.bank / 703-667-4143 for more information!

COMMUNITY PARTNERS GRANT

Up to $15,000 available for a home purchase!

At Freedom Bank Mortgage, we are committed to supporting those who make their living serving others. As part of this commitment, we offer a unique financing opportunity of up to $15,000 towards a home purchase for qualified current or retired law enforcement, volunteer and career firefighters, educators, healthcare workers, and other first responders; veterans or active-duty members of the U.S. military or their surviving spouse.

Funding is available to qualified borrowers that meet product and income eligibility requirements, including first-time homebuyers or families and individuals that currently own a home or have previously owned a home.

In addition to eligibility requirements, the homebuyer must:**

• Contribute at least $1,000 toward the purchase of the home
• Occupy the home as a primary residence
• Meet Income limits

For every mortgage loan we close for a first responder, the Freedom Bank Foundation will proudly make a $500 donation to a local non-profit serving the families of fallen firefighters, fallen law enforcement personnel or to the purchaser's non-profit of choice.

Contact Kim Cybulski, Senior Mortgage Loan Officer NMLS #: 188605 at kcybulski@freedombankmortgage.com / 540-270-7953 for more information.

SMALL BUSINESS LENDING FOR FIRST RESPONDERS

As an SBA Preferred Lender, Freedom Bank is proud to support the capital needs of small businesses owned by first responders and veterans. If you are looking to grow your side venture or small business, our Small Business Lending Division can help match your financing needs with a suitable lending program.

We offer financing that can be used for most business purposes including working capital, refinancing debt, acquiring a business, or purchasing property, inventory, and equipment.

Our experienced lenders serve as consultative financial partners to ensure a smooth process, allowing you to pursue your goals and grow your company.

Our specialized financing includes:

• Relationship-based loan pricing
• SBA loans ranging from $250,000 - $5,000,000
• Loan terms up to 25 years for real estate financing; 10-year terms for other business loans
• Up to 90% financing through the SBA
• Streamlined and efficient loan process

Contact Kevin Ferryman, EVP, Small Business Lending at kferryman@freedom.bank / 914-370-2043 or James Nelson, SVP, Relationship Manager at jnelson@freedom.bank / 703 -667-4176 for more information.

To learn more about our Small Business Lending capabilities, please visit the SBL page by clicking here.

*Third-party data and internet rates may apply.

**NMLS#518039. Community Partners Product is a product of the Federal Home Loan Bank of Atlanta. Household income restrictions and other requirements apply. Please see Federal Home Loan Bank of Atlanta’s Affordable Housing Program Implementation Plan at www.fhlbatl.com for complete product requirements.