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Your home, 
Your mortgage

Free Consultation with a Mortgage Expert

Multiple Options, Competitive Rates

  Get Prequalified and Shop with Confidence


Getting Started

  • Free Consultation: Schedule a personalized meeting with a mortgage expert to discuss your needs, budget, and timeline. 

  • Free Preapprovals: Gain clarity and confidence with a preapproval. This estimates the loan amount you qualify for, empowering you to make informed decisions when searching for your perfect home.




Mortgage Options
to consider

  • Fixed-Rate Mortgage: Lock in a stable interest rate for the life of your loan, providing peace of mind and predictable monthly payments.

  • Adjustable-Rate Mortgage (ARMs):
    Consider an ARM if you anticipate
    short-term ownership or prefer lower initial rates. Understand the potential for rate adjustments with transparency from our experts.

  • Jumbo Loans: Exceed conforming loan limits with our Jumbo loan options, designed for borrowers seeking financing for homes exceeding traditional limits.

  • Refinancing: Lower your interest rate, shorten your loan term, or access cash-out options with a refinance. Explore ways to optimize your current mortgage and potentially save thousands.



Why choose for a mortgage? 




Experienced Professionals is powered by Liberty Savings Bank which has over 40 years of experience in lending.
A team of experienced mortgage experts will guide you through the process and help you make the right decision for your financial situation.


preview-1Competitive Rates:

We strive to offer some of the most competitive mortgage rates in the market, ensuring you get the best value.

thumbs-upStreamlined Process

Enjoy a smooth and efficient mortgage experience with clear communication, online tools, and dedicated support from start to finish.


"Buying a home is a thrilling journey, and we are here to simplify the process every step of the way." - Laura Gray, Loan Adviser mortgage faqs

Q: What type of loan best fits my needs and my financial situation?

A: Call or schedule an appointment with a Loan Officer using the form on this page. They can assess your situation and suggest suitable loan options based on your income, credit score, and down payment capabilities.

Q: What are the milestones in the mortgage process?

A: Here are the milestones.

1. Get preapproved: This estimates your borrowing power and helps you understand what you can afford.
2. Gather necessary documents: Pay stubs, tax returns, bank statements, employment verification, etc.

1. Submit your formal mortgage application.
2. Provide additional documentation as requested.
3. Pay any application fees.

1. Appraisal: An independent professional assesses the property's value.
2. Title search: Ensures the seller has the legal right to sell the property and checks for any liens or encumbrances.
3. Underwriting: The lender reviews your financial situation and the property details to determine your loan eligibility.
4. Conditional loan approval: You receive a preliminary approval with specific conditions to fulfill.

1. Clear to close: All conditions are met, and the closing date is set.
2. Review and sign closing documents: Carefully review all loan terms, fees, and disclosures before signing.
3. Fund the loan: The lender sends the loan proceeds to the seller.
4. Keys in hand! You officially own the property.

Additional notes
1. Communication with your loan officer is crucial throughout the process.
2. Stay organized and respond promptly to requests for documents or information to avoid delays.
3. Be prepared for potential adjustments to the timeline based on unforeseen circumstances.

Q: What documents are required to apply for a mortgage?

A:  The prior year's tax returns, pay stubs, bank statements, and employment verification.

Q: How long will it take to get my mortgage approved?

A: 30-60 days. Timelines can vary depending on loan complexity and individual circumstances. 

Ask your loan officer for an estimated timeframe specific to your case.

Q: What are current mortgage interest rates?

A: Rates will be dependent on the type of mortgage you have, your creditworthiness, and market conditions. Fill out the form on this page to contact a loan officer for the latest rates. 

Q: What about points, closing costs and prepayment penalties?

A: Good question! Here you go.

Points: Liberty Savings Bank offers the option to buy points to lower your interest rate. Your Loan Officer can help you calculate the potential benefit compared to the upfront cost.

Closing costs: Liberty Savings Bank provides a Loan Estimate (LE) disclosing all estimated closing costs. 

Prepayment penalties: Prepayment penalties will depend on what type of loan you have. Ask your loan officer if your loan has prepayment penalties.

Ready to apply now? Click here! is powered by Liberty Savings Bank, F.S.B. which has over 40 years of experience in lending. Because is a registered trademark of Liberty Savings Bank, F.S.B., when applying you will be redirected to the mortgage application page of Liberty Savings Bank, F.S.B.