Government Loans in 13180 N Cleveland Ave STE #315, North Fort Myers, Florida, 33903

Simple, Secure, and Made for First-Time Buyers

Buying a home is a big deal but qualifying for a mortgage shouldn’t feel out of reach. At Liberty Mortgage, we specialize in government-backed loans designed to make homeownership more accessible, especially for first-time buyers and those with lower credit scores.

With flexible terms, low down payment options, and competitive rates, government mortgage programs are a smart way to start your journey in Fort Myers.

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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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government mortgage

Your Trusted Partner

Why Choose a Government Mortgage?

Backed by trust. Built for accessibility.

Government-backed loans are supported by federal agencies, which means lenders can offer lower risk and more flexible approval guidelines. Whether you’re just getting started or looking for extra support, this could be the right loan for you.

Unlike conventional loans, government mortgage programs often require little to no down payment and offer reduced credit score requirements, giving you more ways to say yes to your dream home.

Our Range Of Solutions

What You Get with a Government-Backed Loan

Want help calculating your down payment? We’re here for you.
Lower total loan costs

Low or no down payment.

Perfect for first-time homebuyers or those with limited savings.

Flexible terms

Flexible credit requirements

You don’t need perfect credit to qualify.

Low down payment

Competitive interest rates

Backed by the government means lenders can offer better terms.

No PMI with 20% down

Help for veterans and rural buyers

Special programs for those who’ve served or live outside city limits.

Our Process

The Mortgage Process, Simplified

We’ve made getting a loan easier than ever:
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Apply

Online or in person. It’s quick and secure.
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Review

We’ll review your finances and find the right loan for you.
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Approval

Get a fast response from local lenders.
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Close

Sign and celebrate: you’re officially a homeowner!

Find the program that fits your path to homeownership

Government Loan Programs We Offer

FHA Loans

An FHA loan is a popular choice for first-time buyers. With just 3.5% down and more lenient credit requirements, it’s designed to help you qualify sooner.

VA Loans

If you’ve served in the military, you may be eligible for a VA loan offering zero down payment, no private mortgage insurance (PMI), and some of the best rates available.

USDA Loans

Live in a rural area? A USDA loan offers 100% financing with low interest and reduced mortgage insurance. You’d be surprised how many Fort Myers homes qualify.

Government Refinance Options

Already have a government loan? We can help you refinance into a better rate or shorter term.

Explore Our Other Services

Government Loans

Conventional Loans

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Speciality Loans

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Refinance

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Let’s Get You Home

A government-backed loan from Liberty Mortgage could be the key. Our team is ready to guide you!

Why Us

Why Florida Homebuyers Choose Liberty Mortgage

We are more than just a lender—we are your dedicated mortgage partner. While proudly headquartered in Fort Myers, our team brings competitive rates, personalized service, and deep expertise in government loan programs to homebuyers all across Florida.

Whether you are a first-time buyer or a veteran looking to settle down anywhere in the Sunshine State, we deliver real financing solutions tailored to your budget.

Fort Myers Chooses Liberty Mortgage

See Why We’re Rated One of the

Real Stories from Local Homeowners

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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
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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 Government Loans In Florida

At Liberty Mortgage Lending Group, we’ve streamlined the Government loan process to make it straightforward and stress-free:

What are government-backed loans, and how do they differ from conventional loans?

Government-backed loans are mortgages insured by federal agencies like the FHA, VA, or USDA. These loans offer more flexible qualification requirements, lower down payments, and competitive interest rates compared to conventional loans, making homeownership more accessible for many borrowers.

Who qualifies for an FHA loan?

FHA loans are available to U.S. citizens and lawful residents who meet basic credit, income, and debt-to-income guidelines. They’re especially popular among first-time homebuyers due to their low down payment requirements (as low as 3.5%).

Can I get a VA loan if I’ve already used one in the past?

Yes, in many cases you can reuse your VA loan benefit. Eligibility depends on factors like how much of your entitlement is still available and whether you’ve repaid the previous VA loan in full.

What are the benefits of choosing a government-backed loan?

Government loans often feature:

  • Lower down payments

  • More lenient credit score requirements

  • Competitive interest rates

  • No private mortgage insurance (PMI) in some cases (e.g., VA loans)