Mortgage Services That Move With You
Home financing doesn’t have to be confusing
At Liberty Mortgage, our goal is simple: to help you understand your options and choose the one that fits your life best. Whether you’re buying your first home, upgrading, refinancing, or investing, we offer mortgage services that are clear, simple, and built around you.
We’re not here to throw technical terms at you, we’re here to walk with you, step by step, with real guidance and a human voice. No fluff. No pressure. Just smart options and real support.
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Whether you're just exploring or ready to apply, our Fort Myers mortgage company is here to help.
Your Trusted Partner
Loan Options That Match Real Life
At Liberty Mortgage, our mortgage services are built for how people actually live, work, and plan. Whether you’re buying your first home, refinancing, or managing unique financial needs, we’ll help you choose the right loan, without all the confusing terms or sales pressure.
Our Range Of Solutions
Here’s A Quick Look At The Types Of Loans
We offer and how they can work for you:
Conventional Loans
These are the most common home loans, perfect if you have stable income and good credit. They often come with lower overall costs and more flexible terms for primary residences, second homes, or investment properties.
Competitive rates and flexible term options
Down payments as low as 3% for qualified buyers
No private mortgage insurance (PMI) with 20% down
Government Loans
If you’re buying a home for the first time or need more flexible credit terms, government-backed loans might be your best path forward. These loans are supported by federal programs that help make homeownership more accessible and affordable.
FHA Loans
Backed by the government, FHA loans are great for first-time homebuyers or those with lower credit scores. They make it easier to get approved with a smaller down payment and flexible credit guidelines.
Down payment as low as 3.5%
Credit scores starting at 580 may qualify
Ideal if you’re new to buying or had credit struggles in the past
VA Loans
Exclusively for veterans, active-duty service members, and eligible spouses, VA loans offer major benefits like zero down payment and no PMI. They’re backed by the U.S. Department of Veterans Affairs.
No down payment required in most cases
Competitive rates and fewer upfront costs
Built to support military families
Specialty Loans
Not everyone fits the typical mold, and that’s okay. If you’re self-employed, investing in real estate, or earning income in non-traditional ways, our specialty loans offer more flexibility.
Options for freelancers, business owners, and investors
Asset-based and no-income verification loans available
Fast approvals with creative financing solutions
Refinancing
Refinancing allows you to update your current mortgage to better fit your life today. Whether you want a lower payment, a shorter term, or cash from your home’s equity, we’ll help make it happen.
Reduce your monthly mortgage bill
Access cash for home improvements or debt consolidation
Adjust your loan term to pay it off faster
Service Areas
Areas We Serve
Fort Myers
North Fort Myers
Sanibel
Punta Gorda
Lehigh Acres
Estero
Bonita Springs
Naples
Marco Island
Port Charlotte
Cape Coral
Our Process
Our Mortgage Process: Clear, Fast, and Friendly
Our mortgage services make obtaining a mortgage feel personal once again.
Apply
Online or in person, it takes just a few minutes.
Review
We look at your finances and what you want to achieve.
Match
We pair you with mortgage broker services that fit your life.
Approval
Get fast answers and real clarity.
Close
Sign, smile, and settle in.
Take the First Step Today
Whether you’re just starting or already have a goal in mind, we’ll make it real with our mortgage services.
See Why We’re Rated One of the
What Our Clients Say
FAQs
Frequently Asked Questions About Mortgage Services In Fort Myers
How do I get the best mortgage rate in Fort Myers?
We compare top lenders for you and tailor your rate based on credit, income, and loan type.
What’s the difference between a broker and a direct lender?
A broker gives you access to multiple lenders. Liberty Mortgage combines both for more flexibility.
Is pre-approval really necessary?
Absolutely. It helps you understand your budget and shows sellers you’re serious. In many cases, we can initiate the process quickly, often within a short timeframe, depending on your documents and financial profile.
Will applying hurt my credit score?
No. We offer soft-pull pre-approvals to get you started risk-free.