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.

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?

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?

Loan Options Built Around You

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

Conventional Loans

Competitive rates with as little as 3% down.

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VA Loans:

No down payment for most eligible veterans and active military.

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FHA Loans:

Low down payment and easier credit requirements.

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Refinancing:

Reduce your monthly payment or access equity.

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Specialty Loans:

Great for self-employed borrowers or unique income setups.

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Doctor Loans:

Tailored specifically for Florida’s medical professionals.

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

Explore your loan options today.

A Process That Makes Sense

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

Apply Online

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

Review

We’ll assess your goals and finances to determine the best match.
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Get Your Cash Icon

Approval

Fast decisions from lenders who know this market.
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Repay Your Loan Icon

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.

Experience You Can Trust

Meet the People Who Make Home Happen

Both Debby 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 13180 N Cleveland Ave STE #315, North Fort Myers, Florida, 33903, because we treat them like people, not just paperwork. Here’s what local homeowners have said about working with us:
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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 profile picture
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 profile picture
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 profile picture
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 profile picture
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.

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.