LENDING PROGRAMS


We are here to help find the right mortgage product for you .

 

We understand every borrower is different and we offer a variety of products and programs to meet your individual needs and requirements. For a complete list of available mortgage options, please contact a First Liberty Mortgage Loan Officer in your area . Be sure and check out What To Expect and Important Do's and Don'ts for further information regarding the mortgage loan application process.

 

Standard Home Loan Programs:

Conventional Loan: This type of loan offers a broad range of Fixed Rate and Adjustable Rate Mortgages (ARM's).

FHA Loan: Insured by the Federal Housing Administration, these programs offer low down payments and can be either Fixed or Adjustable Rate Loans.

VA Loan: This product has many advantages and makes it one of the most appealing paths to home ownership. Service members and Veterans can benefit from cost savings under qualification requirements designed specifically for members of the military.

Jumbo/Non-conforming Loan: This type of loan serves clients that are in need of a loan amount that exceeds the conforming loan limits. We offer Fixed Rate Loans and ARM's.

USDA Loan:  The USDA Rural Development Guaranteed Housing Loan Program is a mortgage loan provided by the US Department of Agriculture to rural property owners and is designed to improve the economy and quality of life in rural America.

 

Types of Loans:

Fixed Rate Loan: These loans have a flat interest rate over the term of the loan allowing the borrower to predict their future payments. Only an increase or decrease in escrow will change the monthly payment.

Adjustable Rate Mortgage (ARM): This is a loan with an interest rate that changes.  These type of loans may start with monthly payments lower than a fixed rate loan. However, the monthly payments can change as interest rates fluctuate.

 

Certain restrictions apply on all programs. See your First Liberty Mortgage Loan Officer for complete program guidelines, loan application, applicable fees and annual percentage rates (APR’s) for all loan programs. Full underwritten approval required and all loan approvals are subject to credit, income and asset review and approval.


Ready To Start?
Our online application makes it quick and easy to get started. We have experienced mortgage loan officers ready to help you make the best financial decisions for your unique situation