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/01 Jun 2021
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The Seven (Not So Scary) Steps of Mortgage

While it can be said that lenders have varied criteria regarding their approval or denial of loans, there are common threads between each. We’ve compiled a handy list of actions and things to be aware of during your mortgage approval process. Gather Documentation Before applying for any type of mortgage loan, you can save time by gathering the necessary documentation beforehand. Any lending institution will have a list of required documents on their website, or they’ll have a toll-free number to call. It also helps to have a head start on documents that require some shipping or clerical work to acquire,...
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/01 May 2021
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Pay Your Taxes Early? Try Paying off your Mortgage Early!

So you finally did it – you got the personal loan you needed to make the impossible possible, whatever your possible might be. But what happens now? Before doing anything, it’s a good idea to start thinking about how you’re going to repay this personal loan in as little time as possible. Because not having a plan (or not sticking to it) will cost you in the long run. If you’re finding yourself without a solid path forward, check out the tips below for quickly repaying loans in a way that won’t rack up extra expense. Relax First and foremost,...
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/02 Apr 2021
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Is That Your Loan Balance or Your Phone Number?!

To understand the impact of loans on your credit score, as a mortgage broker, we must first take a step back to understand the foundation of loans and credit. When someone borrows a loan, they agree to make a certain number of payments, known as a loan payment, for a certain loan amount by a particular date each month. A credit score represents the amount of trust lenders have that someone will be able to repay their debts and financial obligations on time. A good, or higher, score suggests they are very timely with payments, whereas a bad score suggests...
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/01 Mar 2021
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DIY Home Inspection in 5 Easy Steps

If you have a passion for real estate and a keen eye for detail, a career as a home inspector might be the perfect fit for you. In this blog post, we will explore the essential steps to becoming a licensed and certified home inspector. From understanding the requirements and training to identifying potential issues and conducting inspections, we will guide you through the process of becoming a professional home inspector. Whether you’re in North Carolina, Ohio, Texas, or any other state in the United States, this article will provide valuable insights into the home inspection industry. Researching the Requirements...
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/01 Feb 2021
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You Served Us, Let Us Serve You

If you’re a veteran, you’ve probably heard of VA home loans. But do you know exactly what it takes to get one? And what the benefits are when you do? Here at Liberty Lending, we’ve got years of experience providing veterans in the St. Louis area with VA home loans, so we know how to break it down. Here’s the formula for VA home loans: Service Record + Credit Score + Income Level = No Down Payment, 100% Financing, and Great Fixed Rates Let’s explore how everything comes together. First, this is what goes into a VA home loan. Service...
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/01 Dec 2020
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Don’t Go Broke, Go Broker!

If you’ve started looking into getting a mortgage, you’ve probably realized that it’s a lot of work. But that’s no reason to worry – that’s why mortgage brokers exist. Every day they’re helping people just like you make the most of their mortgage loan. But before picking a partner that can help you do the same, it’s important to get a few answers. Here are some questions to ask any potential mortgage broker before you sign the dotted line. What is the application process like? Applying is more than half the battle when it comes to getting a mortgage loan,...
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/01 Nov 2020
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FHA? What Do You Say?

Finding the right kind of mortgage that works for you is one of the earliest and most important parts of the home buying process. Before you find the home of your dreams,  you need to figure out the best way to pay for it. Conventional loans and Federal Housing Administration (FHA) home loans are both common options, especially for first-time homebuyers. How do you decide which mortgage loan type makes the most sense for you? Get started by understanding the differences between them so you can make the best choice for your financial future. Down Payment Both conventional and FHA...
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/03 Aug 2020
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Lock It in, Lock It in!

It is important to lock in your mortgage rates as quickly as possible if you have found your best possible option. A mortgage rate is the rate of interest charged on mortgage payments. This rate is determined by the lender and can either be fixed or variable. Mortgage rate locks typically last from around 30 to 60 days. If you are working with your mortgage broker, chances are you are in good hands. Liberty Lending Consultants will work with you to provide the best possible rates that will supply your needs. If you are not working with a mortgage broker,...
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