Find your home loan today.

What kind of mortgage are you looking at?

Cashout

Refinance

Purchase

Mortgage Refinancing with Liberty Mortgage US

Liberty Mortgage US offers the ideal answer for your mortgage refinance needs, regardless of whether you’re searching for a cash-out refinance, modifying your home loan rate or term, or are in the market for a reverse mortgage. Common justifications for refinancing include:

  • Mortgage Rate and/or Term Refinancing: This is one of the most common causes of house refinancing. As mortgage rates fluctuate over time, it may be a good idea to refinance for a lower monthly payment or a shorter term (for instance, switching from a 30-year to a 15-year mortgage).
  • Modify the Loan Structure: You can refinance to alter your loan structure when your financial situation changes. Alternatively, you might be able to do away with private mortgage insurance or switch from an adjustable-rate to a fixed-rate mortgage.
  • Get Cash Out of Your Home Equity: This is a well-liked choice for homeowners seeking to pay off high-priced debt or credit, make home upgrades, or consolidate debt. With a cash-out refinance, you can borrow money at a low interest rate against the value of your house and repay it over time.

Loans for homes with almost historically low interest rates

Several lending packages are available from Mutual of Liberty Mortgage US to meet your specific home loan needs. With our VA loan program, we take great pride in helping veterans, and we also provide outstanding service for USDA, Conventional, FHA, and Jumbo loan alternatives.

  • VA Loans
  • Conventional Loans
  • Adjustable Rate (ARM)
  • FHA Loans
  • USDA Loans
  • Refinance/Cash Out

Rates for Cash out refinance

It might also be a smart idea to leverage some of your home equity in a cash-out refinance if you are considering refinancing to a lower rate and lower monthly payment. Making the house changes you’ve been wanting to make can be more affordable than you think.

Disclosure of Advertising Rates

Current Disclosure Assumptions as of July 6, 2023

  • The interest rates mentioned are based on a $300,000 loan amount, a $378,00 valuation (80% LTV), a primary single-family home (SFR 1 unit), owner-occupied (O/O), with impounds (Escrow), a 780 FICO score, and a 43 DTI (debt-to-income ratio) in Alameda County, California.
  • The precise conditions of the loan chosen, information verification, your credit history, the location and kind of property, and other factors may affect the actual interest rate, APR, and payment.
  • Not accessible in every state.
  • Rates are subject to daily, unforeseen changes.
  • The payment amounts displayed do not include insurance or taxes.

Lowest 15-year Fixed Rate: 6.250% (6.337% APR)

  • The advertised loan is a $300,000, 15-year, fixed-rate, fully amortizing loan with a 6.250% interest rate.
  •  There are 180 principal and interest payments totaling $2,573 every month on this loan. The $1,400 in additional prepaid finance charges due at closing and 0.467 discount points are used to calculate the disclosure APR.
  •  6.337% is the annual percentage rate (APR).

Lowest 30-Year Fixed Rate: 7.000% (7.040% APR)

  •  The advertised loan is a $300,000, 30-year, fixed-rate, fully amortizing loan with a 7.000% interest rate.
  •  This loan has monthly payments of $1,996 for 360 principal and interest payments. the 0.319 discount points and $957 in additional prepaid loan fees tacked on at closing that were used to determine the reported APR.
  • 7.040% is the annual percentage rate (APR).

VA Loan with a 15-year Fixed Rate as Low as 7.125% (7.779% APR)

  •  The advertised loan is a $300,000, 15-year, fixed-rate, fully amortizing loan with a 7.125% interest rate.
  •  There are 180 principal and interest payments totaling $2,718 per month on this loan. The $1,974 in additional prepaid finance charges due at closing and 0.658 discount points used to calculate the disclosure APR.
  • 7.779% is the Annual Percentage Rate (APR).

VA Loans with 30-year Fixed Rates as Low as 6.500% (6.863% APR)

  •  The advertised loan is a $300,000, 30-year, fixed-rate, fully amortizing loan with a 6.500% interest rate.
  •  There are 360 principal and interest payments totaling $1,897 every month on this loan. The $1,176 in additional prepaid loan charges required at closing and 0.392 discount points are used to get the reported APR.
  •  6.863% is the annual percentage rate (APR).

Before using the services or accessing any information provided on LibertyMortgageUS.com, please carefully read the following disclaimer. The content and materials on this Website are intended for informational purposes only and should not be construed as legal, financial, or professional advice. While we make efforts to provide accurate and up-to-date information, we cannot guarantee the completeness, accuracy, or reliability of the information presented. LibertyMortgageUS.com is an aggregator that provides information on various mortgage and home refinance options available in the United States. We do not provide financial or professional advice, and it is recommended that you consult with qualified professionals before making any financial decisions. Any mention of third-party products, services, or websites on this Website is for informational purposes only and does not constitute an endorsement or recommendation. We do not have control over the content or availability of these third-party websites and services and are not responsible for any damages or losses incurred as a result of using or relying on them. The loan approval process, including pre-approval or qualification estimates, is subject to further verification and approval by the respective lenders. The final approval of a mortgage or refinance loan is contingent upon factors such as creditworthiness, income verification, property appraisal, and compliance with lender guidelines. LibertyMortgageUS.com respects your privacy and takes precautions to protect your personal information; however, we cannot guarantee the security of data transmission over the internet. We reserve the right to modify or update this disclaimer without prior notice. By using our services and navigating this Website, you acknowledge that you have read, understood, and agreed to the terms of this disclaimer. If you do not agree with any part of this disclaimer, please refrain from using our services and accessing this Website. If you have any questions or concerns regarding this disclaimer, please contact us using the provided contact information on the Website.