Borrow · Mortgages
Get a Home Loan
That Fits You.
Whether you're buying your first home, accessing equity with a HELOC, refinancing to lower your rate, or purchasing a second home — Liberty's home loan team is here to guide you every step of the way.
Estimating a budget? Try the payment calculator
Loan Options
The Right Loan for
Every Situation
From your first home purchase to tapping your equity — we have a loan that fits your goals and your budget.
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Fixed-Rate Mortgage
Your interest rate stays the same for the life of the loan — so your principal and interest payment never varies. Predictable, stable, and our most popular home loan.
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Adjustable-Rate Mortgage
Starts with a fixed rate for a set number of years, then adjusts every six months over the life of the loan. A smart option if you plan to sell or refinance before the rate adjusts.
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Jumbo Loan
For loan amounts of $802,501 or more. Available at a fixed or adjustable rate. Requires a higher amount of reserves to be verified — ideal for buying or refinancing a higher-value home.
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Home Equity Line of Credit
Tap into the equity you've built in your home. We offer a variety of HELOC options — short-term or secured — to help you reach your financial goals.
Why Liberty
Home Loans Done
the Right Way
Local Decisions
Your mortgage is reviewed and approved by a local team — not a distant underwriter who has never seen your neighborhood.
Personal Guidance
A dedicated home loan specialist walks you through every step from application to closing — answering every question along the way.
Faster Closings
Local processing means fewer delays. We work efficiently so you can get into your home — or access your equity — sooner.
Trusted & FDIC Insured
Liberty has been serving Gulf Coast families for decades. Your deposits are FDIC insured and your loan is handled right here at home.
“My goal is to put you first and help you find a loan that fits your family — and your future.”
Liberty Home Loan Team
Sarasota & Manatee County
More Ways We Can Help
Refinancing
Lower your rate or change your term — we'll help you find the right refinance option.
Learn moreHELOC
Access the equity you've built to fund home improvements, consolidate debt, or cover big expenses.
Learn moreSenior Living Loans
Specialized financing for seniors looking to purchase or renovate a home in retirement.
Learn moreBuying a home in Florida?
Find out which assistance programs you may qualify for and get matched with the right specialist — 6 questions, free.