What types of mortgage loans does Liberty Mortgage Lending Group offer?

We offer conventional, FHA, VA, jumbo, non-QM, bank statement, hard money, bridge, reverse mortgages, cash-out refinance, and first-time homebuyer loans.

Do you offer FHA and VA loans?

Yes, we are an FHA and VA approved correspondent lender offering government-backed loan programs for eligible buyers and veterans.

Can I get a mortgage if I am self-employed?

Yes, we offer non-QM loans and bank statement mortgages specifically designed for self-employed buyers or those with non-traditional income.

What areas do you serve?

We serve Fort Myers, Southwest Florida, and are licensed in FL, CA, CO, GA, NC, MI, and LA.

How do I get started with a mortgage application?

You can submit a complete online mortgage application or pre-qualify for a home loan directly through our website. Our team will review your financial situation and provide expert guidance on your options.

What is the minimum credit score for a conventional loan?

Conventional Fannie Mae and Freddie Mac loans require a minimum credit score of 620 and at least 3% down payment. FHA loans require a minimum score of 580 with as little as 3.5% down.

Mortgage Services in Southwest Florida: Helping You Find the Right Path to Homeownership

Choosing a mortgage is one of the most important financial decisions you will make — and in a fast-moving market like Southwest Florida, having the right guidance matters.
At Liberty Mortgage, our approach is simple: we help you understand your options so you can make confident, informed decisions. Instead of pushing one loan program, we focus on education, clarity, and long-term strategy. Every buyer’s situation is different, which is why our mortgage services are designed to provide flexibility, transparency, and a clear path forward.
Whether you’re purchasing your first home, relocating to Fort Myers, refinancing your current mortgage, or exploring new opportunities, our team is here to help you navigate the process with confidence.

Have Questions about Your Options?

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Individual NMLS #1080562 | Broker NMLS #1599682 | FL Broker Lic# MBR2220

Our Benefits

A Different Approach to Mortgage Services

Many lenders focus only on approvals. Liberty Mortgage focuses on relationships — with buyers, families, and the local real estate professionals who help guide each transaction.

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What does comfortable homeownership look like for you?

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Are you planning long-term or short-term?

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What challenges or questions do you have about financing?

From there, we walk through the options that make the most sense for your situation — explaining benefits, trade-offs, and next steps in plain language.

Education Before Applications

We believe buyers should understand their choices before they commit to a loan. By focusing on education first, we help reduce confusion and create a smoother, more predictable mortgage experience.

Local Expertise You Can Rely On

Southwest Florida presents unique factors that influence loan decisions, including insurance considerations, relocation trends, and shifting home values. Liberty Mortgage provides guidance tailored specifically to this region — not generic advice.

Strategic Navigation

Helping Buyers Navigate the Southwest Florida Market

From Fort Myers to Cape Coral and beyond, Southwest Florida continues to attract new homeowners and relocating families. Liberty Mortgage understands how local conditions influence loan decisions, including:

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Property insurance considerations

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Changing market trends

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Financing strategies for growing communities

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Long-term ownership planning.

Because we work locally, we help buyers move forward with confidence — not uncertainty. Many buyers begin their journey by learning about FHA loans in Southwest Florida…

Regional Expertise

Explore Your Mortgage Options

Every buyer’s journey is different. Liberty Mortgage offers a range of loan programs designed to meet a variety of financial goals and situations.

FHA Loans: Flexible Options for Many Buyers

FHA loans can provide a structured path to homeownership for buyers who need flexibility with credit history, down payments, or financial transitions. Many first-time buyers, relocation clients, and families rebuilding credit explore FHA financing as part of their strategy.

Learn more about FHA Loans in Southwest Florida

Conventional Loans for Long-Term Stability

Conventional financing may offer advantages for buyers with stronger credit profiles or larger down payments. Liberty Mortgage helps clients compare long-term costs and equity strategies to determine whether conventional loans align with their goals.

Explore Conventional Loan Options

VA Loans and Government-Backed Programs

For eligible buyers, government-backed loan programs such as VA loans can provide unique benefits. Our role is to help you understand when these programs make sense and how they compare to other financing paths.

Explore VA Loan Options

Refinance Opportunities

Refinancing can help homeowners adjust monthly payments, improve loan structure, or access equity depending on their goals. Liberty Mortgage works with homeowners to evaluate whether refinancing aligns with their long-term plans.

Explore Refinance Loan Options

Specialty Loan Solutions

Every borrower’s financial story is different. Specialty loan programs may offer alternative pathways for buyers with unique needs or circumstances. Our team helps clients explore these options with clarity and realistic expectations.

Explore Specialty Loan Options

Many Buyers Begin Their Journey by Learning about
FHA loans in Southwest Florida

Explore FHA Loan

Client Success

Why Buyers Choose Liberty Mortgage

Buyers throughout Southwest Florida trust Liberty Mortgage because of our commitment to education and transparency. Our goal is not just to close loans — it’s to help people move forward confidently into homeownership.

Advisor-focused conversations instead of sales pressure

Clear communication throughout the loan process

Local insight into the SWFL housing market

Guidance that considers both short-term approval and long-term financial health.

Buyer Support

Supporting First-Time Buyers, Relocation Clients, and Complex Scenarios

Strong lending partnerships create smoother transactions. Liberty Mortgage collaborates closely with Realtors across Southwest Florida to keep communication clear and expectations aligned throughout the loan process.

Our advisor-focused approach helps:

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Reduce surprises during closing

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Support buyers through education

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Buyers rebuilding credit or exploring flexible financing options.

Learn More About Our Realtor Partnerships

Start Exploring Your Mortgage Options Today

If you’re unsure which loan program makes the most sense, Liberty Mortgage is here to help you navigate the process step by step. Reach out today to begin a conversation and discover which mortgage path aligns with your goals.
Explore your options with our complete FHA loan guide.

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FAQs

Frequently Asked Questions About Mortgage Services

How do I know which loan program is right for me?

Liberty Mortgage begins with a conversation about your goals and financial situation before recommending options.

Do you work with first-time buyers and relocation clients?

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Can I compare multiple loan options before deciding?