What types of mortgage loans does Liberty Mortgage Lending Group offer?

We offer conventional, FHA, VA, jumbo, non-QM, bank statement, hard money, bridge, reverse mortgages, cash-out refinance, and first-time homebuyer loans.

Do you offer FHA and VA loans?

Yes, we are an FHA and VA approved correspondent lender offering government-backed loan programs for eligible buyers and veterans.

Can I get a mortgage if I am self-employed?

Yes, we offer non-QM loans and bank statement mortgages specifically designed for self-employed buyers or those with non-traditional income.

What areas do you serve?

We serve Fort Myers, Southwest Florida, and are licensed in FL, CA, CO, GA, NC, MI, and LA.

How do I get started with a mortgage application?

You can submit a complete online mortgage application or pre-qualify for a home loan directly through our website. Our team will review your financial situation and provide expert guidance on your options.

What is the minimum credit score for a conventional loan?

Conventional Fannie Mae and Freddie Mac loans require a minimum credit score of 620 and at least 3% down payment. FHA loans require a minimum score of 580 with as little as 3.5% down.

VA Home Loans in Fort Myers, FL | Liberty Mortgage Lending Group Inc

At Liberty Mortgage Lending Group Inc, we proudly serve veterans and active-duty service members across the entire state of Florida from our home office in Fort Myers, helping them secure VA Home Loans with ease and confidence. With over 20 years of mortgage experience, our team specializes in guiding military families through the VA loan process, offering competitive rates, personalized service, and expert advice tailored to your unique needs

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

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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.

¡Hablamos Español! Hacemos que su proceso de préstamo sea más fácil y sin estrés.

What Are VA Home Loans?

VA Home Loans are mortgage loans guaranteed by the U.S. Department of Veterans Affairs, designed to help eligible veterans, active-duty personnel, National Guard, and Reserve members purchase or refinance homes. One of the biggest advantages of a VA loan is the ability to buy a home with no down payment in most cases, unlike conventional loans that often require 20% down. Additionally, VA loans offer competitive interest rates, limited closing costs, and no private mortgage insurance (PMI).

Who Qualifies for a VA Home Loan in Florida?

Eligibility for VA loans includes veterans, active-duty service members, National Guard and Reserve members with sufficient service, and certain surviving spouses. At Liberty Mortgage Lending Group, we assist you in obtaining your Certificate of Eligibility (COE) and help you understand your loan options.

Why Choose Liberty Mortgage Lending Group for Your VA Loan?

As a trusted Fort Myers mortgage broker and servicing across Florida, Liberty Mortgage Lending Group offers:

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Expert VA Loan Knowledge: Our team stays updated on VA loan guidelines to maximize your benefits.

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Competitive Rates: We shop multiple lenders to find the best rates and terms.

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Convenient Online Application: Apply securely from home at your convenience.

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Personalized Support: We guide you through every step, answering questions promptly.

Our process

How Does the VA Loan Process Work?

Prequalification & Eligibility

We help you get prequalified and obtain your COE.

Home Search

With preapproval, you can confidently shop for homes in Fort Myers.

Loan Application

Submit your application through our secure platform.

VA Appraisal & Underwriting:

The VA appraisal ensures the home meets standards.

Closing

Finalize your loan and get the keys to your new home.

VA Loan Options Available

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Purchase Loans: Buy your Fort Myers home with no down payment and no PMI.

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Interest Rate Reduction Refinance Loan (IRRRL): Refinance your existing VA loan to a lower rate.

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Cash-Out Refinance: Access your home equity for expenses like renovations or debt consolidation.

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VA Renovation Loans: Finance home improvements with your VA loan benefits.

Why Florida Is Ideal For Veterans

From Fort Myers to Jacksonville, Florida offers incredible military benefits, diverse communities, and beautiful coastlines. Our statewide expertise ensures you find the right neighborhood ensures you find the right neighborhood and home that fits your lifestyle.

Finding a VA Loan Lender in Florida Who Knows the Local Market

Not every mortgage lender in Florida handles VA loans regularly — and the ones who don’t can cost veterans weeks of delays and unnecessary complications. VA appraisals in Florida have their own nuances, especially for properties near flood zones, in 55+ communities, or in certain condo complexes that require VA approval.

While Liberty Mortgage Lending Group got its start processing VA home loans for veterans across Southwest Florida, our team now brings that deep local expertise to military families all over the Sunshine State. We know what the VA appraiser is looking for, how to structure the file to minimize conditions, and what questions to ask before you make an offer.

If you’re a veteran looking for a trusted VA loan lender anywhere in Florida who will close on time and communicate clearly throughout the process, call Debby Hernandez directly at 239-215-3850.

Ready to Use Your VA Home Loan Benefits?

Contact Liberty Mortgage Lending Group Inc today to start your VA loan journey anywhere across the state of Florida. While headquartered in Fort Myers, FL, our experienced team is dedicated to helping veterans and military families statewide achieve their homeownership goals with confidence and ease.

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FAQ’s

Frequently Asked Questions

What is a VA Home Loan and who is eligible?

A VA Home Loan is a mortgage loan program backed by the U.S. Department of Veterans Affairs designed to help veterans, active-duty service members, National Guard and Reserve members, and eligible surviving spouses purchase or refinance a home. Eligibility depends on your military service history and obtaining a Certificate of Eligibility (COE).

Do I need a down payment for a VA Home Loan in Fort Myers?

In most cases, VA Home Loans do not require a down payment, making homeownership more accessible for veterans and military families. This is one of the key benefits compared to conventional loans.

Can I use a VA Home Loan to refinance my existing mortgage?

Yes. VA offers two main refinance options: the Interest Rate Reduction Refinance Loan (IRRRL), which helps lower your interest rate with minimal paperwork, and the Cash-Out Refinance, which allows you to access your home equity for other financial needs.

Are there any closing costs with a VA Home Loan?

While VA loans limit the types and amounts of closing costs you can be charged, some fees are still applicable. However, sellers can pay most or all of your closing costs, and Liberty Mortgage Lending Group can help you understand and minimize these expenses.

How long does it take to close a VA Home Loan in Fort Myers?

The VA loan process typically takes 30 to 45 days from application to closing, depending on factors like appraisal scheduling and document submission. Our team at Liberty Mortgage Lending Group works diligently to ensure a smooth and timely closing.

Can I use a VA Home Loan to buy a second home or investment property?

VA Home Loans are intended for primary residences only. You must certify that you will occupy the home as your primary residence. Investment properties and vacation homes are not eligible for VA financing.

What VA loan amount can I qualify for in Fort Myers?

VA loans in Fort Myers follow the conforming loan limits set by the FHFA — in 2026, that’s $806,500 for a single-family home in Lee County with full entitlement. Veterans with full entitlement have no maximum loan amount with no down payment required, though lenders may have their own overlays. If you’ve used your VA benefit before and have remaining entitlement, the calculation is different — call us and we’ll run the numbers for your specific situation.

How is a VA loan different from an FHA loan in Fort Myers?

Both are government-backed loan programs, but VA loans are exclusively for eligible veterans, active-duty service members, and qualifying surviving spouses. VA loans typically offer a better deal for those who qualify: no down payment, no monthly mortgage insurance, and competitive rates that often beat both FHA and conventional. FHA loan are available to any qualified buyer regardless of military service but require mortgage insurance for the life of the loan in most cases.

Fort Myers offers affordable housing, beautiful beaches, and a welcoming community for veterans and military families. Our local expertise ensures you find the right neighborhood and home that fits your lifestyle.

239-215-3850