Mortgages that help open the door to homeownership.

Feeling overwhelmed by your mortgage choices? Liberty Bank puts you in total control. Whether you’re buying a new home or refinancing your current one, we’ll take the time to listen to you and explain your lending options. Our local mortgage professionals can help you quickly find the right loan, with a low rate, that fits your financial situation. It’s the kind of personal attention that’ll get you to your closing date with confidence.

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Compare Our Mortgage Purchase and Refinancing Options

Discover all of the different home financing options we offer. You can also find one of our home mortgage professionals near you.

Fixed Rate Mortgage

Consider a fixed-rate mortgage if you plan to stay in your home for a number of years, or if your income will remain relatively level over time. Our fixed rate mortgages include:

  • Terms of 10, 15, 20, or 30 years
  • Fixed interest rates that never change
  • Fixed mortgage payments that never change (your home insurance and property taxes may go up over time)
  • No prepayment penalty
  • Loan amounts up to $3 million

Adjustable-rate mortgage (ARM)

Consider an adjustable-rate mortgage if you plan to sell your home or pay off your loan in the next 10 years, or if your income will increase significantly over time. Our adjustable-rate mortgages include:

  •  5/1, 7/1, 10/1 ARMs
  • Lower interest rates and payment amounts at the outset
  • Increases in interest rates and payment amounts over time
  • Loan amounts up to $3 million

Construction Loan

Consider a construction loan if you want to build a new home with simple financing options. You only have to apply once to get construction and permanent financing. Our construction loans include:

  • One-time application, approval and closing
  • Draw period during construction with interest-only payments
  • Automatic conversion to a permanent mortgage
  • Variety of terms and products

HomeStyle® Renovation Mortgage

Got your eye on a fixer upper? With a renovation mortgage, you can include the cost of home improvements in your financing, for purchase or refinance. The HomeStyle Renovation Mortgage includes:

  • A cost-effective way to renovate or improve a home
  • A single mortgage, which means lower closing costs and typically a lower interest rate
  • The loan amount based on a “as completed” value of the home or the cost basis, whichever is less


Consider refinancing if you want to consolidate debt or make improvements to your home. You may also want to refinance to lower your interest rate. Our refinancing options include:

  • Fixed rate or ARM loans
  • Loan amounts up to $3 million

Affordable Lending

Gain control. If you are a first-time homebuyer looking for affordable lending options, we’ve got your back. Our programs include:

  • VA Loans
  • Liberty Bank’s Good Neighbor Program
  • FHA and CHFA Loans
  • Equity Builder Program
  • Down Payment Assistance Programs
  • Housing Development Fund SmartMove

Apply for a Mortgage Online

Learn more about our mortgage process and start your application online today. 

Apply Online

Mortgage Rates

Account NamePointsRateAPR¹
15 Year Fixed Mortgage 0 4% 4.26%
20 Year Fixed Mortgage 0 4.375% 4.581%
30 Year Fixed Mortgage 0 4.5% 4.651%
FHA 30 Year Fixed Mortgage 0 4.125% 4.985%
5/1 ARM AutoPay 0 3.25% 4.192%
7/1 ARM AutoPay 0 3.375% 4.171%
10/1 ARM AutoPay 0 3.625% 4.101%
Looking for rates for other Liberty Bank accounts? View all of our rates.


Rates effective as of: 

1. Annual Percentage Rate (APR) and rates posted are indications only, are subject to change without notice and qualification is subject to credit approval.
Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan.

First mortgage rates require a Liberty Bank checking account for borrowers who reside in Liberty Bank's assessment area, otherwise add .25%. Please contact your local Liberty Bank office for information on our assessment areas.

First mortgage rates require a Liberty Bank checking account or pre-authorized payment from a non-Liberty Bank account for Borrower's who do not reside in Liberty Bank's assessment area, otherwise add .25%.

Liberty Bank NMLS #459028 Equal Housing Lender

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