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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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/01 Jul 2020
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FHA? What’s that stand for, Fancy House Animals?

At Liberty Lending Consultants, we offer FHA mortgage loans with competitive rates. Unless you have a background in finance, banking, or lending, you may not know exactly what FHA home loans are. There are many types of home loans with specifications that appeal to different borrowers. FHA stands for Federal Housing Administration. The FHA is a governmental agency that facilitates financial support within the mortgage market, as well as improve housing standards and conditions. If the borrower for some reason is not able to pay back the loan and defaults on the mortgage, the Federal Housing Administration will protect the...
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/01 Jun 2020
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Why Should I Use a Mortgage Broker?

Buying a home isn’t a solo endeavor. As much help is necessary at every step of the way, closing the deal on your dream house requires someone with a special skill set: a broker. Aside from the fact that it’s their job to help you get the best deal on mortgage rates, brokers can offer much much more, So you may ask yourself,” why do I need a mortgage broker?” They’re paid to help you Brokers don’t get paid until you close the deal on a house or real estate, so they’re just as incentivized to sign on the dotted...
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/02 Apr 2020
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Need a VA Loan in St. Louis? It’s as easy as 1, 2, 3!

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 Feb 2020
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Where were you on the night of the third?… and other questions to ask your mortgage broker

Are you in the market for a new home and considering the assistance of a mortgage broker to secure the best deal on your home loan? The process of obtaining a mortgage can be intricate and overwhelming, but asking the right questions can make all the difference. Here’s a comprehensive list of key inquiries to pose to your mortgage lender, ensuring you make informed decisions about your financial future on St. Louis home loans. What types of mortgages do you offer? When dealing with mortgage brokers or a mortgage lender, it’s crucial to understand the array of home loan options...
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St. Louis Mortgage Broker
/02 Jan 2020
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So Many Mortgage Brokers! Eeny, Meeny, Miny, Moe…

One of the most difficult decisions you’ll possibly make when it comes to your home mortgage is the lender to select. Nowadays, there are numerous mortgage lenders ready and eager to accept your home loan application. However, just because a mortgage lender accepts your home loan application doesn’t mean it’s the best for you. Since you will possibly get saddled with the mortgage for many years to come, it’s important to ensure that you look around and pick the right mortgage lender all for your home loan needs. Here are several things to assist you in selecting a suitable St....
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/05 Dec 2019
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St. Louis Vets are Seriously Underwater—and It’s Not Their Fault

With underwater homes in St. Louis and across the nation at their lowest rates in years, homeowners seem optimistic about the housing market, as any St. Louis mortgage broker would agree. However, one core group of Americans has not felt this relief, and in St. Louis, a closer look at the data tells a different story. The term “seriously underwater” is as grave as it sounds, and it applies to a shocking number of St. Louisans. “Seriously underwater” is here defined as a home where $1.25 is owed for every $1 the home is worth. In their year-end home equity...
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