Mortgage Programs

F Purchase p Refinance

FHA Loans

  • 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!

F Purchase p Refinance

Conventional Loans

  • Guaranteed low rate
  • Fixed-rate terms from 10- to 30-years
  • Points and no-point options available

Lock in a low, fixed rate for the life of your mortgage.

F Purchase p Refinance

VA Loans

  • Available with no down payment
  • Fixed-rates available at terms up to 30 years
  • Loan amounts between $50,000–$424,100

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

F Purchase

USDA Loans

  • $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.

F Purchase p Refinance

Physician Loans

  • 100% financing up to $500,000 sales price
  • 90% financing up to $1,000,000 sales price
  • No Private Mortgage Insurance (PMI)

This program is available to residents, fellows, new, and established physicians alike.

F Purchase p Refinance

Jumbo Loans

  • Loan amount can exceed the conforming limit of $424,100
  • Available for home purchase or refinance
  • Purchase and refinance options

Liberty‘s Jumbo Loan program can help you secure your large mortgage.

H Build

Construction Loan

  • Convenient one-time close can save you thousands
  • Down payment as low as 5%
  • 9-month construction period
  • Terms up to 30 years
  • Jumbo loan financing available

Our construction loan program can make your dream home a reality.

F Purchase

Bridge Loan

  • 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.

F Purchase

80/10/10 (No PMI)

  • No PMI—providing you huge monthly savings
  • Down payments as low as 10%
  • A second mortgage will cover 10% of the purchase price

Purchase your new home with no PMI.

p Refinance

Home Equity

  • No closing costs, annual fee, or prepayment penalties
  • Interest-only home equity program also available

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

F Purchase p Refinance

Condo Loan

  • 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.

l Regional

Kentucky Housing

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.

l Regional

Tennessee Housing

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

l Regional

Alabama Housing

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.

p Refinance

Cash Out Refinance

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