Operating as a mortgage banker we are able to offer a larger variety of different kinds of loans. That means from first time buyers to lower down payments and complex credit challenges to specialty loans and the most basic conventional loan – we do it all. And we are licensed to finance in all of PA. Seasonal work or being new to your career doesn’t have to exclude you from home ownership—Liberty’s in house underwriter can look at your entire story and find the loan that works for you.
At Liberty Mortgage our underwriter is part of the Liberty team and operates in house. That means we understand your entire story and can move you through the loan process quickly from application to offer to close, all in house.
Your choice of conventional or government, 30- and 15-year term, fixed or adjustable rates will depend on your specific situation. And because we are one of the state’s leading PHFA lenders we can offer first time homebuyer advantage, tax credits and closing cost loans.
Remember you don’t need a 20% down payment to purchase a home. In fact, through some of our loans we can offer 100% financing to the right buyer. While other lenders often require a minimum loan amount, credit score, or debt-to-income ratio we look at your entire story and try to find the a loan you can afford.
Because we can finance VA loans through PHFA and we have an in house VA underwriter, Liberty Mortgage leads the state for VA loans. We can quickly streamline a VA loan often at a lower interest rate more in line with the market.