A cash-out refinance is a replacement of your original mortgage

• Interest rates on a cash-out refinancing are often lower than those on a home equity loan
• You pay closing costs when you refinance your mortgage

• Available to teachers, nurses, first-responders and other community heroes*
• 100% Financing
• Fixed rate terms of 15, 20, and 30 years available
• Receive up to a $500 gift card at closing*

This mortgage option is a way for us to give back to some of those who play vital roles in our local communities so they can enjoy the dream of home ownership.

*Restrictions apply. See page for full details.

• Down payments as low as 3.5%
• More lenient requirements for income and credit history
• Gifts are allowed for down payment and closing costs

Our FHA program can make your dream of home ownership a reality!

• At least one borrower must be a first-time homebuyer
• Requires a low down payment of 3%
• 30 year fixed rate
• Receive up to a $500 gift card at closing*

This mortgage solution helps first-time homebuyers achieve the dream of homeownership. Plus, there are no borrower geographic or income restrictions.

*Restrictions apply. See page for full details.

• Guaranteed low rate
• Fixed-rate terms from 10- to 30-years
• Points and no-point options available
• Receive up to a $500 gift card at closing*

Lock in a low, fixed rate for the life of your mortgage.
*Restrictions apply. See page for full details.

• Fixed-rate 10- and 15-year first mortgage options
• Second mortgage options also available
• 80/10/10 cash out options

Our popular SmartMove Mortgage lets you refinance your existing mortgage to a low rate.

• Available with no down payment
• Fixed-rates available at terms up to 30 years
• Loan amounts starting at $50,000

The VA loan is available to eligible veterans and active-duty military personnel.

• Several options available including 3/6, 5/6, 7/6, and 10/6 ARMs
• Offers a lower initial rate than a fixed rate mortgage
• Fixed interest rate for an initial period, then can adjust bi-annually thereafter
• Receive up to a $500 gift card at closing*

Our adjustable rate mortgage programs may help you enjoy a lower rate.
*Restrictions apply. See page for full details.

• $0 down – 100% financing available
• Small towns, suburbs, and exurbs of major cities qualify
• Competitive interest rates

Looking for a home outside the city limits? A USDA Rural Housing Loan may be right for you.

• Low down payment
• Lower closing costs than an FHA loan—potentially saving you thousands
• Available in multiple term options
• Receive up to a $500 gift card at closing*

Lack a large down payment? Liberty Financial’s Simple Solutions mortgage program offers considerable benefits versus an FHA loan.
*Restrictions apply. See page for full details.

• 100% financing available on up to $970,800 sales price
• 90% financing for $1,500,001 to $2,000,000 loan amounts
• No Private Mortgage Insurance (PMI)
• Receive up to a $500 gift card at closing*

This program is available to residents, fellows, new, and established physicians alike.
*Restrictions apply. See page for full details.

• No construction financing needed
• Rates can be locked up to 6 months*
• One-time rate drop option if market rates decrease*
• Jumbo loan financing available

Let the builder of your choice design your perfect home, and Liberty will take care of your end financing needs.
*Restrictions apply. See page for full details.

• Loan amounts from $647,200 – $2,500,000
• Loan amount can exceed the conforming limit of your state of region
• Available for home purchase or refinance
• Cash out refinances require 20% equity
• Receive up to a $500 gift card at closing*

Liberty‘s Jumbo Loan program can help you secure your large mortgage.
*Restrictions apply. See page for full details.

• Finance up to 95% of appraisal value subject to the home improvements
• For loan amounts up to $970,800 or less¹
• Primary residence and 1-unit single family dwellings only
• Renovation must be completed by a licensed general contractor²

Want to remodel your kitchen or add a bathroom? Our Liberty renovation loan would be perfect for you to accomplish all your fixer-upper needs!
*Restrictions apply. See page for full details.

• Convenient one-time close can save you thousands
• 12-month construction period
• Terms up to 30 years
• Jumbo loan financing available
• Receive up to a $500 gift card at closing*

Our construction loan program can make your dream home a reality.
*Restrictions apply. See page for full details.

• Fixed second mortgages up to 95% Total Loan To Value (TLTV)
• Fixed rate terms of 5, 10, or 15 years
• Minimum credit score of 680
• Maximum debt ratio of 43%

Are home renovations in your plans? Or perhaps you’d like to go on vacation or consolidate debt. Whatever your plans, now is a great time to make it happen.

• Financing up to 90% of the appraised value
• Interest-only monthly payments
• 9-month term
• Low closing costs

Use your home’s equity as a down payment on your new purchase.

• Purchase up to 10 acres
• Available for 10 or 15 year fixed rate terms
• Low rates, low costs

Whether you plan to build right away or wait, we can help you get started.

• No PMI—providing you huge monthly savings
• Down payments as low as 10%
• A second mortgage will cover 10% of the purchase price
• Receive up to a $500 gift card at closing*

Purchase your new home with no PMI.
*Restrictions apply. See page for full details.

• No Private Mortgage Insurance (PMI)
• Convenient one-time closing
• 95% financing up to $970,800 loan amount
• 90% financing for $970,801 to $1,500,000 loan amounts
• Required Credentials: MD, DO, DDS, DMD, OD, DP, or DPM

The rate is locked from the beginning which guarantees you a low rate for the life of the loan

*Restrictions apply. See page for full details.

• No annual fee or prepayment penalty
• $15,000 up to $250,000 revolving credit line
• Rates can adjust
• Home equity lines of credit up to 90% Total Loan To Value (TLTV)

Need cash for a large expense? Enjoy a great rate when you take advantage of your home’s equity.

Liberty Financial offers programs to help you lower your payment, shorten your term, or both, including:

• Fixed-rate options from 10- to 30-years
• Multiple ARM options with fixed initial terms ranging from 3- to 10-years
• Our popular, no closing cost SmartMove Mortgage
• Plus many more!

• Down payments as low as 5%
• Available for purchase or refinance
• No closing cost refinance available

We offer programs to help you purchase or refinance your condo.

• 100% Financing up to conforming loan limits ($647,200)
• Fixed rate terms of 15, 20, and 30 years available
• Available with 5/6, 7/6 and 10/6 adjustable rate mortgage (ARM) options
• In-House loan with private mortgage insurance
• Receive up to a $500 gift card at closing*

This great purchase program allows us to help place more buyers into homes they deserve. LF100 offers great benefits, including 100% financing and multiple term options for those who qualify.

*Restrictions apply. See page for full details.

The Kentucky Housing Corporation is a self-supporting public corporation of the Commonwealth of Kentucky that works to make homeownership possible for Kentucky families. Support and 100% financing are available for Kentuckians.

• Requires only 3% down payment
• Down payment can be a gift from a relative
• Do not have to be a first-time homebuyer
• Receive up to a $500 gift card at closing*

Our Fannie Mae Home Ready program makes committing to purchasing a home easier. It gives homeowners the stability and peace of mind by providing predictable mortgage payments over the life of the loan.

*Restrictions apply. See page for full details.

Tennessee Housing Development Agency (THDA) loans make home ownership a reality for many people in Tennessee.

• Available for purchases and no cash-out refinances
• Minimum 5% down payment or equity is required
• Fixed rate terms of 15, 20 and 30 years available
• Existing, permanently attached doublewide homes only
• Receive up to a $500 gift card at closing*

Are you looking to purchase a manufactured home on that perfect piece of property but are having a hard time finding financing? We have multiple fixed rate options for manufactured homes with as little as 5% down.

*Restrictions apply. See page for full details.

The Alabama Housing Finance Authority (AHFA) is a public corporation and agency of the State of Alabama created to serve the housing needs of low- and moderate-income Alabama residents.

• Available for purchase, no cash-out refinance, and construction loans
• Minimum 20% down payment or equity is required
• Fixed rate terms of 10, 15, and 20 years available
• Adjustable-rate mortgage (ARM) options of 3/6, 5/6, 7/6, and 10/6 available
• Receive up to a $500 gift card at closing*

Our Pole Barn Home loan program is designed specifically with the needs of you, the homebuyer, in mind.

*Restrictions apply. See page for full details.