Products

We are committed professionals and offer the loan products you need. It is our goal to handle every client on an individual basis and find the loan that is just right for them. We offer loans that range from 5 to 40 years. Fixed rate or adjustable rate loans, and loans for FHA buyers, Bridge Loans for Cash buyers, Re-finances. Hard Money Loans for investors, and much much more.

Liberty Mortgage Lending IIc offers a variety of loan programs to meet your needs.

We provide:

  • 40 Year Fixed
  • 30 Year Fixed
  • 20 Year Fixed
  • 15 Year Fixed
  • 5 Year Arm

40 Year Fixed

A 40-year fixed mortgage is a loan that has an interest rate that stays the same for the 40-year term of the loan. The monthly payments made on this loan would stay the same for the life of the loan regardless of how much extra was paid towards the principal. However, if extra monies were paid towards the principal, the term of the loan would be reduced. This type of loan has a slightly higher interest rate than the 30-year fixed mortgage with a lower monthly payment.

Term: 40 years | Maximum Amount: $417,000

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30 Year Fixed

A 30-year fixed mortgage is a loan that has an interest rate that stays the same for the 30-year term of the loan. The monthly payments made on this loan would stay the same for the life of the loan regardless of how much extra was paid towards the principal. However, if extra monies were paid towards the principal, the term of the loan would be reduced.

Term: 30 years | Maximum Amount: $417,000

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20 Year Fixed

A 20-year fixed mortgage is a loan that has an interest rate that stays the same for the 20-year term of the loan. The principal amount is reduced, slowly at first, and then at an accelerating pace, over the life of the loan. The monthly payments made on this loan would stay the same for the life of the loan regardless of how much extra was paid towards the principal. However, if extra monies were paid towards the principal, the term of the loan would be reduced.

Term: 20 years | Maximum Amount: $417,000

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15 Year Fixed

A 15-year fixed mortgage is a loan that has an interest rate that stays the same for the 15-year term of the loan. The monthly payments made on this loan would stay the same for the life of the loan regardless of how much extra was paid towards the principal. However, if extra monies were paid towards the principal, the term of the loan would be reduced.

Term: 15 years | Maximum Amount: $417,000

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5 Year Arm

A 5/1 ARM is an adjustable-rate mortgage (ARM) that has a fixed initial interest rate for five years, and thereafter has an adjustment interval of one year. The adjustment is based on (or "indexed to") another rate -- often the yield on a Treasury note or the Libor.

Term: 30 years | Maximum Amount: $417,000

The adjustments periods, Life Caps, Margin, and Index vary on the type of index used when choosing an ARM product.

Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.

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