Learn what your mortgage options are from fixed rate to adjustable rate and everything in between. We will help you find the loan that meets your financial goals.
We make customer satisfaction our utmost priority. We want each of our clients to be able to find their dream home, and we will do everything in our power to make your dreams a reality.
Our experienced staff is headed by founder and Senior Mortgage Loan Officer, Danielle Wendeburg. Liberty Mortgage has been a thriving business since 1998 when Danielle planted its original seeds in the form of a home business. Since then, she has cultivated Liberty into the bustling, 6600 square foot private mortgage lender it has become today. As the company has grown, she has been joined by an entourage of highly experienced real estate professionals. The Liberty Mortgage team, representing all areas of the real estate business, is here to assist valued clients with their property needs.
Applying for a mortgage? We require access to important documentation like proof of your identity, address and income.
We require homebuyers to identify the property you want to purchase. Often, this is marked “to be determined” until you settle on a property.
We will inquire about your income and assets to determine whether you qualify for a loan. This information includes your savings and checking accounts, retirement funds, and any investments.
We will figure your debt to income ratio to help determine your qualification for a mortgage loan.
Veteran Affairs home mortgages are provided for eligible military personnel. Find out if you are eligible for a VA loan.
Ensure that the loan approval process goes smoothly by having miscellaneous documentation readily available for your mortgage loan officer, such as your social security number, photo id and proof of address.
The first step to acquiring a property loan involves supplying us with information about your finances. From there, we can give you advice on how much you can generally expect to receive as a potential mortgage loan.
Once you have an idea of your loan amount, you can now start filling out applications to receive the loan needed to secure your chosen property. We will help you fill out your personal and financial information as accurately and thoroughly as possible, as well as guide you through what documentation you will need to include with the application form. At this point, we will also go over loan estimate forms, which will lay out the specifics of your home loan, as well as expenses for closing the mortgage deal and the down payment.
Once you have an executed contract for the home you have chosen, you will sign our loan documents which can be emailed or signed face to face in our office and then your loan will be submitted to underwriting.
The purpose of underwriters is to give the final word of approval for your submitted application and documentation. They will let us know whether you need to provide more information before you can be approved for your loan.
Mortgage insurance is meant to provide certain protections to lenders if you are ever forced to default. Certain loan types or if your down payment is under 20 percent of the amount you’re receiving, will require you to secure mortgage insurance.
Once the clear to close has been issued or certain benchmarks reached, the closing disclosure will be ordered to start the mandatory three-day waiting period. During that time, the final numbers will be issued by the title company closer and our office. When all items have been satisfied and cleared, and the final CD has been approved, you will secure the funds to close by wire or cashier’s check and be ready to close on your new home.
Closing officially marks the end of home loaning. All that’s left is to officially move in!
“Liberty Mortgage went above and beyond to help me get approved and my loan closed very quickly (23 days)! They were extremely helpful and patient with all of my questions and super quick with responses to all calls and many many emails. I highly recommend Liberty Mortgage for their great customer service and friendly demeanor!”
“They are truly the best! As first time home-buyers, my husband and I needed all the help we could get and that’s exactly what we got with Liberty. Danielle and her team are excellent at what they do! Our realtor, Brittney, was super patient and always so pleasant and nice to work with. She and Danielle explained everything so well and were always accessible to answer our questions or offer their advice. When it came to processing our loan, Allison was also amazing! She was so knowledgeable and thorough which made closing so easy and seamless and stress-free! Thank you so much for all you did for us and taking such good care of us!”
“I am a first time home buyer and it was an extremely smooth process. The staff was amazing and helpful and they were also on top of the entire process. If I was to have any questions, I could email Kayla Gilpin and she and her team were able to get back to me within a few hours. Danielle was extremely detailed with the entire process and kept me informed along the way. I bought during the Thanksgiving holidays and with certain businesses being closed, they were still able to stay in contact with me. If you need someone to help you with the home buying process, Danielle and her team are the people to go to! Thanks again Danielle!”
“As a Real Estate Broker/Realtor, I create liaisons with professionals that will be able to help my clients achieve their home ownership dreams and goals. Liberty Mortgage has proved to be professional, reliable, resourceful, and extremely helpful in every transaction we have closed. They certainly go above and beyond to get the deals closed. They work with passion and that makes a big difference throughout the process. I highly recommend them! It’s a smart choice for those looking for intelligent business relationships.”
“I am a Realtor in the local Houston area and have referred many clients to Liberty Mortgage. I refer clients to them because I know that I can trust them, and that they will take care of my clients. Danielle knows what she is doing and stays on top of things. If there are issues that come up in the loan process, she immediately contacts me and takes care of things. Danielle, and her staff are very friendly and they go above and beyond to make buying a home a pleasant experience. I have clients currently working with Danielle, and I will continue to recommend future clients to Liberty Mortgage!”
“I am a Realtor in the local Houston area and have many clients who have obtained their home loans through Liberty Mortgage. As a Realtor, I have had nothing but positive transactions and interactions with everyone in the Liberty Mortgage office, especially Danielle. Speed bumps sometimes arise in this business, but this company has always gone above and beyond to do what they can to get the job done. I refer my clients because this is a lender I can trust to take care of them and guide them through the process. In addition, my husband and I also obtained our mortgage for our own home through Liberty Mortgage. I highly recommend them for all your real estate financing needs!”
“Danielle and her team at Liberty Mortgage made our experience extremely painless and wonderful. As you all know the home buying process can be a long drawn out ordeal with many obstacles to over come. The team at Liberty Mortgage made this very pleasant for our family. The customer service and attention to detail with being able to fine tune our loan to best suit our needs was unbelievable. We would definitely use them again in the future and will be recommending them to all of our friends and family!”
“Danielle and Allison worked miracles! So very thankful for the hard work these ladies put into our loan. Treated us like family not like a client. Can’t say enough good things!!!”
“It was a painless experience. I’m very grateful for all their hard work. It was a pleasure! Thanks again ladies.”
“I have worked with Liberty Mortgage for years and they have served my clients well! ‘They’ are always on top of things, responsive, and professional. ‘I’ can’t say enough about them!”
“Danielle, Allison and their Team at Liberty Mortgage were great to work with! They were very professional, courteous and kept us informed during the entire process of getting our loan. We recommend them highly!”
“Liberty Mortgage has been able to assist my clients with fast, easy, and excellent service. Their great work ethic and amazing customer service make it a no-brainer to keep referring my clients to Liberty Mortgage!”
“Danielle and Allison made purchasing a home painless for me. It was a little rough finding a house but, the application process was easy and fast (these ladies are great at responding in a timely manner)! Thanks ladies for helping me through this process.”