Business Details
Your Trusted Mortgage Partner in Fort Myers
At Liberty Mortgage Lending Group, we are dedicated to making homeownership and refinancing accessible, straightforward, and tailored to your unique needs. With decades of combined experience in the Fort Myers market, our team prioritizes personalized guidance over generic solutions. We specialize in connecting clients with conventional, government-backed, and specialty loan programs, ensuring options for first-time buyers, veterans, self-employed individuals, and those with non-traditional financial profiles. Our local expertise in Southwest Floridas housing market allows us to streamline the mortgage process, offering competitive rates, fast approvals, and transparent communication.We pride ourselves on treating clients as partners, not transactions, and our commitment to ethical lending and client education has earned us recognition as a top-rated mortgage broker in the region. Whether youre purchasing your first home, upgrading, or refinancing, we provide the tools, knowledge, and support to help you achieve your goals confidently.
Services
Conventional Loans
VA Home Loans
FHA Loans
Specialty Loans
Refinance Options
Mortgage Calculators
First-Time Buyer Programs
Government-Backed Loans
Mobile Home Financing
Home Equity Access
Highlights and features
- We offer personalized mortgage solutions tailored to unique financial situations.
- Our team has decades of local expertise in Southwest Floridas housing market.
- We provide access to competitive rates through partnerships with top lenders.
- We specialize in loans for self-employed individuals and non-traditional income scenarios.
- Our client-centric approach prioritizes transparency, education, and ethical lending practices.
Associations and certifications
- NMLS
What people say
Exceptional service
Knowledgeable and trustworthy
Smooth transaction process
Dedicated support
Highly recommend
Services
Conventional Loans
Conventional loans offer competitive rates and flexible terms for qualified buyers. Ideal for primary residences, second homes, or investment properties, these loans require as little as 3% down and no private mortgage insurance with 20% down. Our team simplifies the application process and ensures clear terms tailored to your financial goals.
VA Home Loans
VA loans provide zero-down payment options and no PMI for eligible veterans and active-duty members. We guide clients through the VA loan process, including purchase loans, refinancing, and renovation financing, ensuring access to exclusive benefits and competitive rates while meeting strict VA standards.
FHA Loans
FHA loans cater to first-time buyers with low down payments (as low as 3.5%) and flexible credit requirements. Our experts help clients navigate FHA guidelines, ensuring affordable access to homeownership while meeting federal safety and affordability standards.
Specialty Loans
Specialty loans address unique income scenarios, including bank statement mortgages and non-QM loans. Designed for self-employed individuals, freelancers, and investors, these solutions offer creative financing options and fast approvals without compromising on transparency or client education.
Refinance Options
Refinancing services help clients reduce monthly payments, access home equity, or shorten loan terms. We evaluate your current mortgage to identify savings opportunities, streamline the process, and connect you with lenders offering optimal terms for your financial situation.
People
Debby Hernandez
CEO, Mortgage Loan Originator
Debby Hernandez, with over 30 years of mortgage experience, specializes in VA and FHA loans. She is known for her dedication to client satisfaction, offering personalized guidance and innovative solutions for complex financial scenarios.
Laura Ray
Mortgage Loan Originator
Laura Ray brings 20 years of local mortgage expertise, focusing on conventional and specialty loans. Her patient, thorough approach ensures clients feel confident and supported throughout the homebuying or refinancing process.
Questions
How do I get the best mortgage rate in Fort Myers?
We compare top lenders and tailor rates based on your credit, income, and loan type to secure the best deal.
What’s the difference between a broker and a direct lender?
A broker offers access to multiple lenders, while a direct lender works with their own programs. We combine both for flexibility.
Is pre-approval necessary?
Yes, pre-approval clarifies your budget and signals to sellers that you’re a serious buyer.
Will applying hurt my credit score?
No, we offer soft-pull pre-approvals that don’t impact your credit score.
Can I refinance with bad credit?
Yes, we explore options like FHA or VA refinancing to accommodate your financial situation.
Do you offer loans for mobile homes?
Yes, we specialize in financing for unique properties, including mobile homes in co-ops.
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