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.

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Adjustable-Rate Mortgage

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.


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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.

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Good Neighbor Mortgages

Put as little as 3% down. Plus, in certain communities, get $2,000 toward closing costs and Liberty pays the PMI.

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Mortgage Rates
Loan Points Interest Rate APR1
15 Year Fixed Mortgage2 0 6.250% 6.359%
30 Year Fixed Mortgage3 0 6.500% 6.567%
10/6m ARM4 0 6.500% 7.098%
  1. 10/6m Adjustable Rate Mortgage (ARM) are variable rate loans. After the initial fixed-rate period, the interest rate can increase or decrease every 6 months. This interest rate will be determined based upon an index plus a margin. The index is based on the 30-day Average SOFR index published by the Federal Reserve Bank of New York. The margin is 2.75%. The payment schedule would be 120 payments of $1,516.96 at an interest rate of 6.500%, 239 payments of $1,717.71 at an interest rate of 8.125% and 1 payment of $1,717.79 at an interest rate of 8.125%. This payment amount includes principle and interest and does not include taxes and insurance, the actual payment will be greater.

All loans are subject to credit and underwriting approval. Additional terms and conditions apply, ask your loan officer for details.

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