Address: 1950 Craig Road, Suite 100 St. Louis, MO 63146

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St. Louis Home Loans and Mortgage Refinancing

At Liberty Lending Consultants, our unrelenting commitment is to help as many mortgage customers as possible achieve their financial dreams while helping them save money on their closing costs.

As a St. Louis mortgage broker who has helped thousands of consumers over the years, it is our unwavering mission to help provide a funding solution for all your residential or commercial lending needs. No matter what the current interest rates are, Liberty Lending Consultants is a St. Louis mortgage company that will make sure you receive the mortgage rate you deserve. That’s why thousands of consumers trust in us when buying their first or second home, their commercial or investment property, or when closing on a refinancing loan. We know there are many St. Louis mortgage refinancing companies, and we truly appreciate your business.

Missouri’s Source for Mortgage, Finance, Home Loan and Refinancing Assistance


At Liberty Lending Consultants, we’re committed to helping our mortgage customers achieve their financial dreams while saving them money on their closing costs. Whether you’re purchasing your first home or investment property, or a second, or third, we have several lending solutions to meet your individual needs.

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The Loan Process


Liberty Lending Consultants strive to make obtaining-a-loan as simple as possible for you. We do most of the heavy lifting, so you can concentrate on what’s important – preparing to move, saving money, or making plans for your home equity line of credit. We’re here to tackle all the hard parts for you.

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We at Liberty Lending Consultants have made it our mission to aid as many customers with their mortgages and enable them to achieve their financial goals and dreams, by helping them figure out the most cost-effective methods regarding their closing costs.

We provide St. Louis home loans and have been for the past several years – where we have helped thousands of customers achieve their financial dreams. Our main goal is to provide our customers with financial help regarding their commercial or residential lending needs. It does not matter what the interest rate is, we at Liberty Lending Consultants are St. Louis mortgage lenders and brokers that are here to get the rate you need. It is due to this unwavering commitment that we are often the choice for those who are seeking to buy their second home, investment or commercial property, or to help them close on a refinancing loan. There are many a mortgage lender located in St. Louis, and that is why we are so grateful that you have come to us.

Here at Liberty Lending, our number one goal is to help all of our mortgage customers save money by keeping their closing costs as low as possible while they are seeking their home loan. It does no matter if you are trying to buy your first home, your second home, an investment property, or commercial property – we have a wide variety of loan options that are suitable for your every need.

Liberty Lending St. Louis home loans are the best option for you to go with because we do our very best to make the loan process as simple as it can be on your end. Our jobs are to do the heavy lifting regarding the whole process, so you can focus on the more important things – packing up to move, saving your money, or making plans for your home equity line of credit. We at Liberty Lending Consultants want to handle the difficult, more time-consuming aspects of the process to make it easier for you.

Liberty Lending offers you a variety of loan types – VA loan, FHA loan, USDA loan, or conventional loan – that best suit your desires and needs.

Your first goal with us should be to get pre-approved for the loan. This is especially critical if you want to successfully buy a home in today’s market. Luckily, our mortgage professionals are here to guide you through the entire process and can show you how simple and easy the entire process of getting the loan – and the right lender – can be with the right help. This is where you want to start, because not only does it signal to the sellers that you are very serious about the home that you want to buy, but it also tells you how much money, down to the exact dollar, you are able to borrow. The more information you know, the better informed your decisions will be. Also, having all of this information readily available will also not only prepare you to make better decisions, but also give you more room to negotiate when it comes down to signing the contract for your new home. Once you have gotten to this step, that is where we at Liberty Lending will take over.

Our financial and lending professionals have won several awards for their dedicated service, so that is how you will know that we will do our very best to find you a loan that fits your needs. We know that there are several options available to you, no matter your budget, and so part of our services is that we will thoroughly research all of them, and then discuss them with you in great detail so you can make an informed decision. We will help you reach that decision as quickly, and with as much information as possible.

If you want to discuss any options you have regarding a commercial loan, cash-out home mortgage refinancing loan, or a second mortgage we at Liberty Lending have expert professionals who specialize in each area to give you the best possible advice.

 

Is Your Home Seriously Underwater?


With underwater homes in St. Louis and across the nation at their lowest rates in years, homeowners seem optimistic about the housing market, as any St. Louis mortgage company would agree. However, a closer look at the data tells a different story.

The term “seriously underwater” is as grave as it sounds, and it applies to a shocking number of St. Louisans. “Seriously underwater” is here defined as a home where $1.25 is owed for every $1 the home is worth. In their year-end home equity report, ATTOM Data Solutions revealed that despite “high equity” homes reaching all-time highs, communities like St. Louis had some notable exceptions.

Homeowners in these St. Louis communities are among the most seriously underwater:

  • 63137 (Bellefontaine Neighbors) 64.83%
  • 63136 (Bellefontaine Neighbors) 57.35%
  • 62206 (Cahokia) 49.69%
  • 63121 (Normandy) 46.05%
  • 63115 (St. Louis City) 43.86%
  • 63134 (Berkeley) 42.99%
  • 63135 (Ferguson) 42.57%
  • 63138 (Spanish Lake) 40.13%

Altogether, upwards of 10,000 St. Louisans’ mortgages are seriously underwater, and many more are at risk. St. Louisans who default on their mortgages take a big hit to their credit rating and FICO score, which can make it difficult or impossible to find a reliable lender of any kind. They may find searching for work difficult as well, as a poor credit rating or bad debt can show up on routine background checks that many employers require.

All this means choosing your home loan provider is an extremely important decision, and can shape your financial future as well as your career. Liberty Lending Consultants, a St. Louis mortgage company, works with St. Louisans to ensure your unique loan is handled with care. Liberty Lending respects the challenges homeowners face and provides a bevy of mortgage benefits including no PMI, a low down payment, great fixed rates, and fast turnaround times. Liberty Lending Consultants is committed to helping St. Louisans become homeowners with competitive home loans. With all the St. Louis mortgage refinancing companies out there, trust us with your lending needs.