© Copyright 2016

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Guiding motivated borrowers to build a bridge from debt to 
financial $$$ freedom


"The Freedom Loans guidance program is an outstanding financial literacy opportunity available to low and moderate income borrowers    in South Texas.

       -- Vanessa Reed - Community Reinvestment Officer- Comerica Bank

"Broadway Bank is excited to be the lending partner for the Freedom Loans community outreach initiative. Together we will provide         assistance to motivated borrowers guiding them toward financial                     freedom."

         --Bob Waller - Market Manager SVP - Broadway National Bank

"We joined the Freedom Loans team because of the opportunity to develop a financial guidance program focused on helping lower income borrowers build a bridge from a lifestyle of debt to a           future of financial freedom."

           --Pam and David Umstead - Freedom Loans Directors

"HEB Stores is delighted to sponsor SERV Ministries in their Read2Win and Freedoms Loans initiatives to benefit Kerr County." 

          -- Greg Nichols - HEB General Manager - Kerrville 

"SERV Ministries Read 2 Win initiative seeks to improve the lives of area young people. They are setting not only these children on a path to a better tomorrow, but the community as a whole."

          --Kerrville Daily Times Editorial Board

Freedom Loans



 Freedom Loans is a financial freedom ministry offering a pathway towards monetary life change for motivated low to moderate income borrowers. Freedom Loans first offers to favorably convert payday loans for borrowers trapped in nightmares of escalating debt from recurring fees and growing interest costs. Early in our unique process each borrower is provided a relationship with a Freedom Guide to assist them in applying sound budgeting principles during the term of their Freedom Loan. Freedom guidance  when applied leads toward life changing freedom.   

Freedom Loans Directors Pam and David Umstead and Jeff Anderson are dedicated to utilizing their decades of experience in the financial services and business arena to help the less fortunate build their financial futures.  Pam and David Umstead, retired successful business owners, are passionate about teaching Judeo-Christian money principles. The Umstead's lead the Freedom Guides ministry which recruits and trains compassionate guides to help borrowers in applying proven disciplines to their financial circumstances. Jeff Anderson coordinates relationships with sponsoring partners who join in our mission of ​guiding motivated borrowers to build a bridge from debt to financial freedom.

Freedom Loans is a program service of SERV Ministries and Leadership Inc, a 501 c (3) non-profit led by Pastor Jeff Anderson headquartered in Kerrville, Texas. We are servant leaders mobilizing faith into action to multiply the value of every donor gift. Read 2 Win, our literacy initiative, helps students gain a head-start toward reading success and connects families with resources needed to become life-long learners. All ministries are empowered by the compassionate volunteers of SERV who donate thousands of hours of personal service annually helping others through the love of Jesus.