News

A Fireside Chat About USDA Loans

When applying for a home loan, it can be difficult to get the information that you need to narrow down your options. Even once you’ve determined the type of home loan you need, such as a USDA home loan, the questions about qualifications can seem endless. Here at Liberty Lending, we want to make the mortgage process as clear as possible. Our highly-trained consultants are always ready to have a conversation that can help you figure out what works for you. If you’re interested in a USDA home loan, here’s how a conversation with us might go: Homebuyer: So I...
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Liberty Lending Cares

Liberty Lending Consultants is an excellent source for St. Louis VA Home Loans, Missouri USDA Rural Development home loans, and more. But outside of being a great place to get home loans, Liberty Consultants continues to give back by helping fund KW cares, a local St. Louis charity.  KW Cares offers disaster and emergency funding to the families of its associates. This non-profit group is the result of St. Louis-based real estate company named Keller Williams.  The charity is now supported by associates all across North America. The charity has 503 status, which allows them to accept donations on behalf of...
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The Top 10 Home Improvement Tips Every Homeowner Must Know

Homeownership can awaken the Bob Vila within all of us, even those who don’t know much about home improvement. These tips will set you up for success, no matter if you are tackling major renovations or just starting to dabble in DIY. Get a plan Renovations don’t always go according to plan. But that doesn’t mean you have to do it all by yourself. Last-minute changes can be stressful and costly, so make sure you have all the details in order. This means that you know what results you want, and how much time and money it will cost to get them. Many...
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How to Choose the Right Broker… and Not Some Joker!

Choosing the right real associate broker is a critical decision that can significantly impact your success as a real estate professional. Whether you’re a new agent entering the industry or an experienced professional looking to make a change, finding the right broker can provide essential support, resources, and opportunities for growth. In this blog post, we will guide you through the process of choosing the right real estate broker, considering factors such as company culture, broker support, marketing resources, and more. Discover the key elements to consider when selecting a broker that aligns with your goals and aspirations in the...
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FHA? Conventional? What Do These Loans Mean?!

Finding the right kind of mortgage or home loan that works for you is one of the earliest and most important parts of the home buying process for a potential homeowner. Before you find the home of your dreams,  you need to figure out the best way to pay for it by understanding mortgage myths and which mortgage loan is right for you. Conventional loans and Federal Housing Administration (FHA) loans are both common options, especially for first-time homebuyers or real estate buyers. How do you decide which home loan options make the most sense for you and your home...
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Three Rules for Breaking Your Mortgage Refinance

Before making any major decision in life, it’s important to understand the rules that go along with it. Mortgage refinancing is no different. But sometimes, knowing which rules you don’t really need to follow can help you have the best results. So forget what you’ve been told: here are the rules you can break when refinancing your mortgage loan. “Rule” #1: Save At Least 1% You don’t need to save at least 1% on your interest rate for refinancing to be worth it. Lowering that percentage even just a little bit will help put money back in your pocket. It...
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One! Two! Three! Four! VA Loans for Veterans! Score!

Those who have made the ultimate sacrifice for our country deserve the opportunity to live in a home they’ve always dreamed of. That’s why we’re committed to providing competitive VA home loans to veterans. The best part? It’s typically easier to qualify for VA home loans than conventional mortgages, and with help from our expert mortgage loan consultants, we’ll make the process even easier. If you’re interested in a VA home loan in the St. Louis area, just check out the four-step process below.   Pre-qualification and Pre-approval Getting prequalified and approved is a simple but incredibly important step in the process....
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Six Getting a Mortgage Steps So Simple You’ll Scream!

Buying a home is one of the most significant financial decisions you’ll ever make. It’s a journey that involves numerous steps, each with its own set of complexities and considerations. Understanding the home buying process and how to navigate it can help alleviate stress and make the experience more manageable. In this guide, we’ll break down the six essential steps to simplify the home buying process. Step 1: Assess Your Finances Before diving into the world of mortgages and real estate, it’s crucial to assess your financial health. Begin by checking your credit score and credit history. Your credit score...
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