Debby Hernandez

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Whether you're just exploring or ready to apply, our Fort Myers mortgage company is here to help.
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Owner & Operator of Liberty Mortgage

Florida Resident Since 1978 | Mortgage Industry Expert | Consumer Advocate

NMLS: 1521656

Thank you for choosing Debby!

Your Trusted Mortgage Expert To Homeownership In Florida

Embark on your dream home journey with confidence. Whether you’re buying, selling, refinancing, or investing, Laura Ray is your expert partner in navigating the complexities of the Florida mortgage market.
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FL State Advocacy Captain for Association of Independent Mortgage Experts (AIME)
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20+ years in Real Estate Investment and Business Growth & Development
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20+ in Mortgage and Finance
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Former IRS Enrolled Agent (EA)
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Self Employed Specialist
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Veteran Advocate | Recent Legislation for 100% Disabled Veterans SB172 & HB1161
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Featured in Mortgage Professional America Magazine
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Featured in Cape Coral Breeze
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eatured in NFM Neighbor
With over 30 years of experience in the mortgage industry, I bring a deep well of knowledge, insight, and personal commitment to every loan I touch. My career began as a loan officer, and through decades of hard work and dedication, I’ve cultivated expertise in every facet of mortgage lending. Today, as the Owner and Operator of Liberty Mortgage, I remain fully hands-on with each client—ensuring a personalized, smooth, and successful loan process every time.

I specialize in identifying the individual needs of consumers and expertly matching them with the right loan products, with a particular focus on self-employed borrowers who often face unique challenges. My ability to spot potential issues before they arise has saved countless clients time, stress, and money.

As a passionate consumer advocate, I’m driven by a mission to empower and educate borrowers through clear, empathetic communication and customized mortgage strategies. Whether guiding a first-time homebuyer or structuring a complex investment loan, I tailor each solution to fit the client’s unique financial profile and long-term goals.

Staying ahead in a constantly evolving industry is vital. I consistently attend industry conferences, pursue continuing education, and stay engaged with professional networks to ensure I’m always bringing the most current knowledge, technology, and best practices to the table.

For me, it’s not just about securing a loan—it’s about making a lasting, positive impact in people’s lives through one of their most important financial decisions

What Makes Debby Different

Debby Hernandez isn’t your average mortgage loan originator. With over 20 years of financial expertise, she goes beyond simply securing your loan – she helps you build long-term financial strength. Laura’s passion lies in guiding clients towards the perfect mortgage solution, tailored to their unique goals and aspirations.

Free E-Book:

Top 10 Mistakes Homeowners Must Avoid

Free E-Book:

Top 10 Questions Sellers MUST Ask for a Pre-approval