Specialty Mortgage Loans in 13180 N Cleveland Ave STE #316, North Fort Myers, Florida, 33903 — Non-QM, Self-Employed & Investor Financing

If a bank has already told you no — or you know your income situation won’t fit a traditional application — you may be exactly the type of buyer Liberty Mortgage was built for. We offer specialty mortgage loans in Fort Myers for self-employed borrowers, real estate investors, buyers with non-traditional income, and anyone who needs a lending solution that looks past a W-2.
Talk to a loan specialist today and explore your options.

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Individual NMLS #1080562 | Broker NMLS #1599682 | FL Broker Lic# MBR2220

Home Loans across Florida

We match financing strategy to your property type, budget, and long-term goals.

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Specialty Mortgage Loans

What Are Specialty Mortgage Loans?

Specialty mortgage loans are custom solutions for buyers who don’t meet the requirements for a conventional mortgage. These loans help people with non-traditional income, real estate portfolios, or urgent timelines secure financing that fits their story.

Need fast financing?

Specialty Mortgage Loans

Flexible Options For Unique Needs

At Liberty Mortgage, we offer several specialty mortgage loans that are tailored to meet specific challenges:
Lower total loan costs

Private Loans in Florida

Perfect for buyers who need fast approval or are purchasing properties that don’t qualify under standard loan programs. These loans offer:
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Flexible terms with fewer restrictions
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Quick turnaround to close fast
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Options based on asset value or alternate income
Flexible terms

Private Investor Mortgage Loans

If you’re growing your real estate portfolio, these loans allow you to:
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Finance multiple properties
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Qualify based on property value or rental income
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Avoid traditional income verification
Low down payment

Loans for the Self-Employed

You shouldn’t be penalized for being your own boss. These specialty loans consider:
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Business bank statements
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Asset documentation
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Alternative documentation outside of W-2s
Bank statement mortgages are one of the most useful tools we have for self-employed buyers in Fort Myers. Instead of tax returns — which often show lower net income after business deductions — we use 12 or 24 months of personal or business bank statements to document your income. If you own your own business and your books are healthy but your tax returns look lean, this is the product that gets deals done.
No PMI with 20% down

Commercial Mortgage Loans

For clients investing in retail, office, or mixed-use properties:
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Available for purchases or refinances
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Streamlined documentation
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Flexible terms to fit your goals
Looking for something more specific? Let’s customize your solution.

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

Why Liberty Mortgage?

We’re not just here to fund your loan, we’re here to make the process easier, faster, and smarter. With Liberty Mortgage, you’ll get:
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A local team that knows Fort Myers inside and out
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Loan structures made to fit your actual life, not just the forms
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Personal support at every stage of the journey
Have questions? We’re ready when you are.

Our Process

How It Works

Our process is simple, and it works around your schedule:
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Call or Apply

Tell us your story. We listen first.
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Quick Review

We assess your needs and financial picture.
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Get Matched

Get Matched

We recommend the loan type that fits you best.
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Approval

Fast decisions from private lenders who get it.
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Closing

Smooth, clear, and without surprises.

Explore Our Other Services

Government Loans

Conventional Loans

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Government Loans

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Refinance

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Let’s Find Your Specialty Loan

Whether you’re investing, self-employed, or just looking for more flexible terms, specialty mortgage loans from Liberty Mortgage are designed with you in mind.

See Why We’re Rated One of the

What Our Clients Say

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Rachel Munguia profile picture
Rachel Munguia
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Working with Debby Hernandez at Liberty Mortgage was one of the best decisions we made during our home buying journey she took the time to explain every step, answered all of my MANY! questions promptly, and helped me secure a great rate that worked for our budget I really appreciated honesty, professionalism, and ability to break down complex terms in a way that made sense. If you're looking for a knowledgeable, trustworthy, and responsive mortgage broker who genuinely cares about your financial goals, I highly recommend Debbie Hernandez We will definitely be working with her again! Much love Debbie for everything!!
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Taili Alvarez
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Estoy tan agradecida con el equipo , estoy muy Feliz con Debby y todos aquellos que asumen la barrera del idioma para cumplir el sueño más grande de cualquier persona en este gran país que es tener un hogar , ellos hicieron que yo me sintiera parte de la familia Liberty desde el día uno muchas gracias y bendiciones por el gran trabajo que hacen por siempre eternamente agradecida
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Long Nguyen profile picture
Long Nguyen
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After being told that we were not qualified for a mortgage by a lender, I was referred to Debby by my realtor. Long story short, we closed on our house today. Debby worked diligently to figure out ways that helped us get the mortgage approved and save money in the process. Very easy to work with and always available for questions/concerns. We will definitely use her service again and recommend our friends and family to her for lending needs. Thank you Debby!
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Alfredo Miralles
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Laura did an exceptional job. Was extremely patient and helpful. She was thorough and made me feel super comfortable about the process. I would highly recommend using her. We will use her again.
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steve knapp profile picture
steve knapp
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Best mortgage broker in town hands down! Debby Hernandez is the GOAT! So easy to work with. Such a smooth transaction, I barely had to lift a finger. She communicated with me regularly providing updates via text and calls. I had a horrible experience with another brokerage in Tampa and immediately after calling Liberty mortgage and speaking to Debby she set my mind at ease she called me the next day with a solid approval and few contingencies. Do yourself a favor and let Debby at Liberty take care of your mortgage needs. I promise you won't be disappointed!
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Vic
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Debby was absolutely amazing and very helpful throughout the whole process and wouldn’t have asked for anybody else during the process. For a first time homebuyer she was the best and walked me through every step start to finish.
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MrTraverseification
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Very happy in the whole process thank you so much for meeting my needs and expectations on my home purchase 👍
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Patrick Brinkman profile picture
Patrick Brinkman
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I live in Wisconsin and for the past 5+ months I spent a painful amount of time, effort and research trying to secure financing (aka a mortgage) for a mobile home that I wanted to buy in North Fort Myers, Florida. Local banks in Wisconsin refused and were of little help. I thought that working with a national lender would be better; but after 4 weeks of working with Rocket Mortgage once the underwriters learned the home was in a co-op (I own the home but the park/club owns the land) which I told the agent on the first day and was assured that as long as there was no lot rent that it would be ok. He was wrong, and with the financing deadline approaching I was left looking for another lender. I decided to try banks in the Fort Myers area who were accustomed to dealing with mobile home mortgages and would understand the risks and hazardous weather of that area. The problem: there are few lenders willing to finance mobile homes in Florida...those that do will only finance newer homes (10 years old or newer)...and yet even fewer that will consider property in a co-op. I continued my research and called numerous banks until I found Liberty Mortgage. I submitted an online application and the next day Debby from Liberty called me to discuss my options. Right off the bat, she was a HUGE help. To save me a lot of time and effort, she gathered all the information and documents that she needed by pulling it directly from one of the previous lenders (where I had already submitted all of my information). She was always very friendly, helpful, knowledgeable, upfront, quick in getting things done, and very good with explaining terms and the process, and keeping me up to date. She was dedicated and worked late many times. Whenever we ran into a roadblock, she wouldn't give up but would put her mind to it and come up with alternatives. The lender that she was trying to secure a mortgage with wasn't able to because the mobile home was in a co-op. But this is where Liberty, and more specifically Debby, was different from any lender that I have dealt with in the past. She actually cared and understood that this wasn't just another loan but my future home. She knew the difficulties that I had been through and that the deadline was days away. Instead of dumping me at that point and not offering any solutions, as all the previous lenders had done, she made it clear that she wasn't done helping me. She told me, "Don't worry - I know this is important to you and I will keep working with you until you find a lender - and I won't charge you"! At this point, I had to request an extension on my home offer, and over the next 2 months, she continued to work with me daily; spending a lot of time doing research and contacting lenders. I ended up working with 2 more lenders (21st Mortgage, which was a royal pain and they wanted way too much information, and SouthState Bank which I ended up going with). She was right there with me - answering questions and helping me provide whatever information or documents that the lenders needed. It was nice to have Liberty/Debby by my side during this difficult time. And I won't even get started on the pain of trying to secure homeowner's insurance in FL. Bottom line: Liberty/Debby is definitely worth contacting to see if they can meet your mortgage needs! I consider Debby a good friend, and thanks to her I am now the owner of a home in sunny Florida!
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GM 2020
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From beginning to end they were great. They were friendly and helpful. They went out of their way to make sure everything went right.
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Matthew Thompson profile picture
Matthew Thompson
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You can tell Debbie takes pride in how she cares for her clients. She makes the process as easy as possible, is honest, professional and informative. Truly a rare thing to come across. HIGHLY recommend.

FAQs

Frequently Asked Questions About Specialty Loans In Fort Myers

At Liberty Mortgage Lending Group, we’ve streamlined the FHA loan process to make it straightforward and stress-free:
What is a Non-QM loan and who qualifies in Fort Myers?
Non-QM (Non-Qualified Mortgage) loans are home loans that don’t meet the standard documentation requirements set by Fannie Mae and Freddie Mac. They’re designed for buyers with legitimate income who can’t prove it through tax returns and W-2s alone — self-employed buyers, business owners, gig workers, retirees with assets, and real estate investors with complex financials. If you’ve been told you don’t qualify for a conventional loan, Non-QM may be the answer.
Can I get a mortgage in Fort Myers using bank statements instead of tax returns?
Yes. Bank statement mortgages are one of our most-used specialty loan products for self-employed Fort Myers buyers. We typically look at 12 or 24 months of bank statements — personal, business, or both — to calculate qualifying income. This approach works well for business owners whose tax returns show lower income due to legitimate deductions but whose actual cash flow supports a mortgage payment comfortably.
What are private loans in Florida and when do they make sense?
Private mortgage loans in Florida are funded by private investors or lenders rather than banks or government agencies. They typically have faster approval timelines and more flexible terms — making them useful for time-sensitive purchases, properties that don’t qualify under conventional guidelines (like certain mobile homes, unique properties, or commercial conversions), or buyers who need bridge financing between transactions. They usually carry higher rates than conventional loans and are meant as shorter-term solutions.
I'm a real estate investor — can Liberty Mortgage help me finance multiple properties?
Yes. We offer investor-specific loan products including DSCR (Debt Service Coverage Ratio) loans, which qualify based on the property’s rental income potential rather than your personal income. This is particularly useful for Fort Myers investors building a portfolio in Lee County’s active rental market. We also offer blanket loans and portfolio financing for buyers with multiple properties. Call us to discuss what structure makes sense for your investment goals.