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/05 Sep 2019
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Liberty Lending’s Top 10 Loan Tips!

In the intricate world of loans, understanding the nuances can be the key to unlocking financial success. Liberty Lending, your trusted financial partner, is here to share invaluable insights with our top 10 loan tips. Whether you’re considering a personal loan, managing credit card debt, or navigating the complexities of student loans, these tips cover a spectrum of financial scenarios to empower you in your financial journey when looking for St. Louis home loans. Explore Personal Loans Wisely: When considering a personal loan, carefully weigh your options. Evaluate interest rates, terms, and conditions to ensure the loan aligns with your...
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/05 Aug 2019
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Monitor the Market and Strike While the Iron’s Hot!

A first time home buyer should be like a hawk—surveying the local and regional real estate market. By knowing how the market behaves, a first time home buyer can monitor the selling prices of comparable homes in their area, which thereby allows them to be a bit more knowledgeable when going to look at homes. Web sites such as Zillow can give a first time home buyer a general idea of what’s out there. Real estate listings are also abundant on the Internet, through sites like the National Association of Realtors®. It’s a good idea to create a few Google Alerts for when...
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/05 Jul 2019
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Know Your Homebuyers Rights Before Closing and Don’t Get Left Out!

It doesn’t take much to feel out of your depth when it comes to buying a home. Slick realtors and TV show tycoons are just itching to trick you and stick you with the bill—preferably with a hefty fee tacked on for them! But all of this can be avoided if you know your homebuyer’s rights! You have the RIGHT to shop for the best mortgage loan for you and compare the charges of different mortgage brokers and lenders. Look all around town, do your research: Liberty Lending has the best deals in town! You have the RIGHT to be...
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/07 Jun 2019
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Conventional Loans Versus FHA Loans

When it comes to securing a mortgage loan, understanding the differences between a conventional loan and an FHA loan is crucial. These two popular home loan types have distinct features, eligibility criteria, and financial implications. In this blog post, we’ll explore the fundamental aspects of conventional loans versus FHA loans, delving into topics like credit scores, interest rates, mortgage insurance, and more to help you make an informed decision when financing your home. Conventional Loans Credit Score and Eligibility: A Conventional loan typically requires a higher credit score and a lower debt-to-income ratio compared to FHA loans. Lenders generally look...
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/17 May 2019
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What Do I Need to Refinance?

To some, the word “refinance” has a stigma attached to it similar to bankruptcy; the idea of it brings about concern over the desperate state of the homeowner using their house as a means to get out financial trouble.  This is inaccurate, of course. For many, refinancing is simply a smart move, either to take advantage of home equity, to lower monthly payments, and/or to shorten or extend the length of their original home loan. Whatever the reason, it’s a common practice among homeowners, so you needn’t feel overwhelmed at the prospect of refinancing.  That said, refinancing isn’t a light...
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/17 Apr 2019
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Meet Me in St. Louis

This month we move away from the general information and common sense tips provided in previous blogs to answer a more specific line of inquiry: why should I move to St. Louis? After all, the city is as much a part of the decision to move as the home itself, and one cannot claim to have performed due diligence without looking into its pros and cons.  This list is a refresher to homebuyers who have already lived near the arch and are trying to decide their next move, as well as out-of-towners who contemplate making St. Louis their permanent home....
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/20 Mar 2019
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How to Save UP for a DOWN Payment

Saving up for a down payment on a home can be a daunting task, but with proper planning and financial discipline, it is achievable for aspiring homebuyers. In this blog post, we will discuss various strategies and tips on how to save up for a down payment. From managing your credit card debt to exploring assistance programs, let’s explore the world of savings accounts, St. Louis home loans, and practical money-saving techniques with tip from some St. Louis mortgage company experts. Assess Your Finances with a Financial Advisor Before embarking on your home buying journey, consider seeking guidance from a...
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/26 Feb 2019
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Woah-HOA! Homeowner’s Associations?

A Homeowner Association, often abbreviated as HOA, are a ubiquitous presence in many communities across the United States. They play a crucial role in maintaining property values, ensuring community harmony, and managing common areas after qualifying for your home loan in St. Louis. We explore the world of HOA associations, explore the types of regulations they enforce, and discuss the consequences of violating these rules. What is a Homeowner’s Association? A Homeowner’s Association, or HOA association, is a community organization formed by homeowners within a specific neighborhood, condo complex, or common interest community. The primary purpose of an HOA is...
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