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.

About Us: Serving Fort Myers and Homebuyers Across Florida

Bringing over 20 years of trusted mortgage broker expertise to every corner of the Sunshine State.

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.

A Mortgage Company in Fort Myers That Puts You First

At Liberty Mortgage, we’re more than just a name on a list of mortgage companies Fort Myers and broader Florida residents search for. We’re a team with deep local roots that understands the importance of feeling confident and supported throughout your homebuying or refinancing journey. Our job isn’t to sell you a product—it’s to help you find the right path forward, whether you’re buying right here in Southwest Florida or anywhere across the state.

Whether you’re buying your first home, looking to upgrade, or refinancing to cut costs, we’ll be with you every step of the way, listening, guiding, and making sure you get what you need

We are a fully licensed mortgage brokerage operating in Florida, providing professional home loan solutions backed by industry expertise and compliance.
Individual NMLS #1080562 | Broker NMLS #1599682 | FL Broker Lic# MBR2220

Let’s talk about your goals.

Schedule a Free Consultation

Find the best mortgage for your best living near fort myers

Local Knowledge.

Real Results.

Our home base in Fort Myers ensures we keep our fingers on the pulse of local real estate cycles, lending guidelines, and emerging trends. That means fewer surprises, faster closings, and smarter advice tailored to Southwest Florida neighbors and buyers across the entire state.

We don’t believe in one-size-fits-all solutions. We take the time to understand your story and match you with mortgage options that fit your income, goals, and timeline, whether you are buying locally or in major Florida metros.

Need a local expert’s advice?

Reach Out Now

Support for First-Time Buyers

Buying your first home is exciting, but it can also feel overwhelming. At Liberty Mortgage, we simplify every step, from pre-approval to closing. You’ll get help understanding your options, qualifying for first-time homebuyer programs, and preparing for what’s ahead.

If you’re not sure where to start, we’ll break things down clearly so you feel confident moving forward.

Want to know if you qualify as a first-time home buyer?

Call Us Now

Loan Options Built Around You

We work with many lenders and programs to offer loan solutions that meet a wide range of needs:

Z

Conventional Loans

Competitive rates with as little as 3% down.

Z

VA Loans:

No down payment for most eligible veterans and active military.

Z

FHA Loans:

Low down payment and easier credit requirements.

Z

Refinancing:

Reduce your monthly payment or access equity.

Z

Specialty Loans:

Great for self-employed borrowers or unique income setups.

Which one fits you best? Let’s talk. We’ll walk through your options, no pressure, no confusing terms.

Explore your loan options today.

Explore our services

A Process That Makes Sense

We’ve helped hundreds of Fort Myers families find the right mortgage without stress. Here’s what to expect:

Apply Online

Fill out a simple form online or meet with us to get started.

Review

We’ll assess your goals and finances to determine the best match.

Approval

Fast decisions from lenders who know this market.

Receive

Get ready to receive your loan funds promptly.

No complicated steps, no industry jargon, just a smooth path to homeownership

Get started in minutes.

Apply Now

Meet the People Who Make Home Happen

Both Debbie Hernandez and Laura Ray have been in the mortgage industry for decades and can apply their real-world experience to find the best mortgage for your situation. Debbie has over 30 years of experience, while Laura has 20 years of experience working in the Lee County market.

What Our Clients Say

People choose Liberty Mortgage as their trusted mortgage company in Fort Myers, FL, because we treat them like people, not just paperwork. Here’s what local homeowners have said about working with us:

Ready to Move Forward?

Whether you’re looking for a mortgage company in Fort Myers, FL, or just want honest advice, Liberty Mortgage is here to help.

Give us a call or fill out our form, and let’s take the next step together.

Contact Us

239-215-3850