Home Loan Programs
Find the Right Mortgage for Your Situation
From first-time buyers to veterans, rural homeowners to luxury property investors — Liberty Lending Consultants has the loan program to match your goals, income, and credit profile.
Loan Options
Tailored Financing for Every Homebuyer
As an independent mortgage broker, we’re not limited to one lender’s products. We compare loan programs from dozens of lenders to find you the best rate, the lowest fees, and the right terms — whether you’re buying your first home, upgrading, refinancing, or investing.
The flexible standard for qualified borrowers with strong credit and stable income.
Conventional loans are the most common type of mortgage and aren’t backed by the government. They typically offer the most competitive rates for borrowers with good credit (640+) and can be used for primary residences, second homes, and investment properties. With down payments as low as 3% and the ability to remove private mortgage insurance (PMI) once you reach 20% equity, conventional loans provide long-term flexibility and value.
Key Benefits
- Competitive interest rates for borrowers with strong credit profiles
- PMI can be removed once you reach 20% equity, lowering monthly payments
- Can be used for primary homes, vacation properties, and rental investments
- Higher loan limits than FHA, making them ideal for more expensive homes
Low down payments and flexible credit requirements backed by the Federal Housing Administration.
FHA loans are government-insured mortgages designed to help first-time homebuyers and those with less-than-perfect credit achieve homeownership. With down payments as low as 3.5% and more lenient credit score requirements, FHA loans open doors for borrowers who might not qualify for conventional financing. They’re especially popular in the St. Louis area for buyers purchasing affordable starter homes or those rebuilding credit.
Key Benefits
- Just 3.5% down payment with a 580+ credit score
- More flexible credit and income requirements than conventional loans
- Gift funds from family can be used for down payment and closing costs
- Assumable loans — buyers can take over your FHA mortgage when you sell
Zero down payment financing for eligible rural and suburban properties across Missouri.
USDA loans, backed by the U.S. Department of Agriculture, make homeownership affordable in eligible suburban and rural areas — and you might be surprised by how many St. Louis area communities qualify. With 0% down payment, competitive rates, and lower mortgage insurance than FHA loans, USDA financing is an excellent option for qualified buyers purchasing in areas like Wentzville, Troy, and parts of St. Charles County. Income limits apply, but many middle-class families qualify.
Key Benefits
- 100% financing with no down payment required for eligible properties
- Lower mortgage insurance than FHA loans, saving you money each month
- Many suburban St. Louis areas qualify — not just remote rural properties
- Flexible credit requirements with payment history often weighing more than score
Zero down payment mortgages exclusively for veterans, active military, and qualifying spouses.
VA loans are a powerful benefit for those who’ve served our country. Backed by the Department of Veterans Affairs, these loans require no down payment and no private mortgage insurance — ever. With competitive rates and lenient credit requirements, VA loans represent one of the strongest home financing options available. At Liberty Lending Consultants, we’re honored to help St. Louis area veterans and military families maximize this well-earned benefit.
Key Benefits
- 100% financing — buy a home with $0 down payment
- No monthly mortgage insurance premiums, saving hundreds per month
- Seller can pay up to 4% toward closing costs to reduce out-of-pocket expenses
- Streamlined refinancing (IRRRL) with minimal documentation and no appraisal
Not Sure Which Loan Is Right for You?
Our experienced loan officers will review your financial situation, homeownership goals, and property location to recommend the loan program that saves you the most money and gets you approved with confidence. Schedule a free consultation — no obligation, just honest guidance from St. Louis mortgage experts.