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Our Mortgage Blog in St. Louis, MO

/01 Apr 2022
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Will the Russo-Ukrainian War Affect U.S. Housing?

It wasn’t long ago that the 2022 Russo-Ukrainian War began with a bang, but it may be a while yet before we understand the full impact it may have on US housing prices. What does this new conflict mean for you as a first-time homebuyer, someone seeking a VA loan or USDA mortgage loan, or someone who already has a mortgage? No matter what your current situation is, Liberty Lending is here to work with you every step of the way. Whether we like it or not, mortgage rates have been slowly but steadily rising over the past three years....
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/01 Mar 2022
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Are you OK for a VA Loan? Y-E-S!

If you’re a veteran, you’ve probably heard of VA loans. But do you know exactly what it takes to get one? And what the benefits are when you do? Here at Liberty Lending, we’ve got years of experience providing veterans in the St. Louis area with VA loans, so we know how to break it down. Here’s the formula for VA loans: Service Record + Credit Score + Income Level = No Down Payment, 100% Financing and Great Fixed Rates Let’s explore how everything comes together. First, this is what goes into a VA loan.   Service Record When applying...
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/01 Feb 2022
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A Fireside Chat About USDA Loans

When applying for a loan, it can be difficult to get the information that you need to narrow down your options. Even once you’ve determined the type of loan you need, such as a USDA loan, the questions about qualifications can seem endless. Here at Liberty Lending, we want to make the mortgage process as clear as possible. Our highly-trained consultants are always ready to have a conversation that can help you figure out what works for you. If you’re interested in a USDA loan, here’s how a conversation with us might go: Homebuyer: So I think I’m finally ready...
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/01 Jan 2022
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Liberty Lending Cares

Liberty Lending Consultants is an excellent source for St. Louis VA Home Loans, Missouri USDA Rural Development loans, and more. But outside of being a great place to get loans, Liberty Consultants continues to give back by helping fund KW cares, a local St. Louis charity.  KW Cares offers disaster and emergency funding to the families of its associates. This non-profit group is the result of St. Louis-based real estate company named Keller Williams.  The charity is now supported by associates all across North America. The charity has 503 status, which allows them to accept donations on behalf of those who...
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/01 Dec 2021
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The Top 10 Home Improvement Tips Every Homeowner Must Know

Homeownership can awaken the Bob Vila within all of us, even those who don’t know much about home improvement. These tips will set you up for success, no matter if you are tackling major renovations or just starting to dabble in DIY. Get a plan Renovations don’t always go according to plan. But that doesn’t mean you have to do it all by yourself. Last-minute changes can be stressful and costly, so make sure you have all the details in order. This means that you know what results you want, and how much time and money it will cost to get them. Many...
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/01 Nov 2021
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How to Choose the Right Broker… and Not Some Joker!

Choosing the right real associate broker is a critical decision that can significantly impact your success as a real estate professional. Whether you’re a new agent entering the industry or an experienced professional looking to make a change, finding the right broker can provide essential support, resources, and opportunities for growth. In this blog post, we will guide you through the process of choosing the right real estate broker, considering factors such as company culture, broker support, marketing resources, and more. Discover the key elements to consider when selecting a broker that aligns with your goals and aspirations in the...
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/01 Oct 2021
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FHA? Conventional? What Do These Loans Mean?!

Finding the right kind of mortgage or home loan that works for you is one of the earliest and most important parts of the home buying process for a potential homeowner. Before you find the home of your dreams,  you need to figure out the best way to pay for it by understanding mortgage myths and which mortgage loan is right for you. Conventional loans and Federal Housing Administration (FHA) loans are both common options, especially for first-time homebuyers or real estate buyers. How do you decide which loan options make the most sense for you and your home buying...
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/01 Sep 2021
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Three Rules for Breaking Your Mortgage Refinance

Before making any major decision in life, it’s important to understand the rules that go along with it. Refinancing is no different. But sometimes, knowing which rules you don’t really need to follow can help you have the best results. So forget what you’ve been told: here are the rules you can break when refinancing your mortgage. “Rule” #1: Save At Least 1% You don’t need to save at least 1% on your interest rate for refinancing to be worth it. Lowering that percentage even just a little bit will help put money back in your pocket. It all depends...
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