3 Questions regarding Private Mortgage Insurance (PMI)

November 21, 2022 by Liberty Capital Services

Private Mortgage Insurance in Columbus Ohio

Are you confused about the mortgage insurance programs? Most homeowners already know about PMI or private mortgage insurance whereas most prospective home buyers may not be familiar with the term. PMI is a specific kind of insurance attached to a mortgage loan when the buyer (borrower) doesn’t put down at least 20% of the value of the home at the time of purchase. PMI may also apply on a refinance loan as well if the borrower hasn’t accrued 20% equity in their current home.

Queries About Private Mortgage Insurance (PMI)

When you consider the additional expenses involved in closing costs and maintaining monthly mortgage payments, it’s easy to figure out why some homebuyers are hesitant about incurring the additional expense of private mortgage insurance. Regardless, PMI can be a valuable tool in some situations by providing you with an opportunity to avoid making a huge down payment.

In order to better understand what private mortgage insurance is all about, here are 3 questions regarding PMI:

Do you have to continue paying private mortgage insurance throughout the loan? It won’t be necessary to carry PMI throughout the course of the loan. According to the Homeowners Protection Act (HPA), lenders are required to drop PMI once your home loan balance has decreased to 78% of the home’s original sale price – provided you’re in good standing with the lender and haven’t missed any mortgage payments. Lenders must also drop PMI once you’ve reached the halfway point of the loan’s amortization schedule (i.e. the 15^th year of a 30-year mortgage).
What is the cost of PMI? The cost can vary significantly from one transaction to the next. Factors such as the down payment amount and the home’s purchase price can affect what the borrower will have to pay for PMI. On average, you’ll pay between $30 and $70 monthly for every $100,000 that you’ve borrowed. Consequently, PMI is often a good option for those individuals who want to purchase a home but haven’t saved up enough for a large down payment.
Who benefits from private mortgage insurance? Unlike homeowner’s insurance, PMI protects the lender should you default on your home loan. This means the lender is the actual PMI beneficiary and is therefore protected against the risk associated with taking a smaller down payment on a home from the borrower. While the lender benefits from the protection afforded by PMI, the borrower also benefits by being able to buy a home without a huge down payment.

Get In Touch With Your Columbus Mortgage Specialist

For more information about private mortgage insurance, call Liberty Capital Services at (614) 505-0620 today. Our business representatives are available to assist you with your mortgage requirements and will answer any questions that you may have. Call us today!

What Our Clients Are Saying

Liberty Capital Services LLC

4.9

Based on 179 reviews

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Hiren Patel

18:57 10 Sep 24

I recently had the pleasure of working with Liberty Capital Services, and I couldn't be more thrilled with the experience. From start to finish, the process was seamless and stress-free, thanks to their outstanding professionalism and dedication.James took the time to explain every detail of the mortgage process, making sure I fully understood my options and felt confident in my decisions. They provided timely updates and were always available to answer questions, ensuring that I felt supported every step of the way.What truly stood out was their personalized approach. They worked diligently to find the best mortgage solution tailored to my needs, and their transparent communication made the entire experience feel straightforward and reassuring.If you’re looking for a mortgage provider who combines expertise with exceptional customer service, I highly recommend Liberty Capital Services. They truly made buying my Condo a smooth and enjoyable journey!

Lance Beachy

21:58 16 Aug 24

A friend recommended James to me, and as a first-time home buyer, I felt extremely well taken care of. James's instructions were clear and he set expectations well, and any questions on the loan were easily answered with a text. I thought I may have hit a snag after an appraisal came in 60k too low, but James and my realtor (Megan Brown, a wonderful agent whom James recommended) were quick to reassure me that we can dispute it and switch lenders if necessary. We ended up switching lenders and getting a second appraisal, and I couldn't be happier at how little I had to worry about that process. My overall process of buying a house was a bit bumpy, but I'm happy James was there to handle the mortgage side of things (and I got an excellent interest rate!)

Davis Tran

10:49 13 Aug 24

James and Laura were nothing short of good. From the first call to James to the closing was absolutely flawless. James ran the numbers for our refinance and looked to make sure it made sense to do it before we moved on. He was never pushy at any point and the best part is he showed it to you. If we ever need to use them again we 100% will. Thanks to both of you.

N Michael Homsy

12:22 11 Aug 24

James McBain and Laura Mathews were very knowledgeable and helpful in providing me with the best option for a lender. They made the process easy and seamless. They were also very patient in answering my questions and clarifying the loan application and closing documents. I would recommend Liberty Capital Services to home and property buyers.

Juan Ramirez

00:09 06 Aug 24

Praveen Kanneganti

19:56 31 Jul 24

Jason and Laura are absolutely amazing. Will highly recommend and will use them for any future real estate deals.

christopher lithgow

13:56 30 Jul 24

Jason Krasnow , I am incredibly grateful for your dedication and hard work in helping me cruise along the complexities my first home buyer transaction. Your patience in addressing all my concerns/ request , and high speed responses to all my inquiries, and willingness to go above and beyond exceeded all my expectations. You are definitely set apart as a top- tier broker. May god bless you and your family.

William Phillis

13:13 16 Jul 24

We were very lucky to find James, Laura and the rest of the team at Liberty capital. They know how to navigate when challenges arise in the approval process of your mortgage.I highly recommend!

G E R M I N A

20:25 28 Jun 24

My family and I are beyond grateful to have worked with Jason and Laura at Liberty Capital Services. It was our first time purchasing a home, and this was an out of state purchase on top of it all. Jason went above and beyond to answer all of our questions. He also made all of our concerns were addressed even outside of the mortgage process. Jason is personable, positive, and patient! It was a pleasure working with him. This will not be our last time working together! THANK YOU AGAIN FOR EVERYTHING JASON AND LAURA ⭐️⭐️⭐️⭐️⭐️

Aarifa Chitison

20:22 25 Jun 24

jeffrey Duarte

17:02 20 Jun 24

They are very friendly, and they are always at the best of their choice. and thank you for everything Jason and Laura

carolina skipper

16:49 11 Jun 24

I really enjoyed working with Jason. His excellent communication skills and prompt responses to questions made the home-buying process much easier and less stressful. I will definitely work with him again and highly recommend his services!

Ariel Xie

03:49 16 May 24

Jeremy Dinneen

23:42 15 May 24

Jason was very nice, understand, transparent and most importantly informative throughout the whole home-buying process. It was my first time buying a home and no matter how big or small my question was, he made me feel comfortable asking. Laura was also very helpful, she made sure I was in contact with the Title Agency and we closed on time and without a hitch. 10/10 would recommend.

Bonnie Zhao

19:19 13 May 24

No regret to choose Liberty Capital. They are capable to provide you the most competitive interest rate and wise suggestion about the loan. James is knowledgeable in the field as the broker. Even without too much contact during paperwork following, he played the pivot role in the backscene to keep everything under control. Laura's hardworking is also remarkable, there are times she worked at night helping me approved on time, due to some unexpected scenarios in the middle. I was referred to James at the beginning and not sure this is the right team, now everything is proved.

Robbie Baskent

22:23 01 May 24

James is awesome to work with. He not only is able to make a deal happen but explains the process with such ease. James and Avel at Liberty Capital are awesome. I WILL be referring my friends and family here.

Regan Burke

14:58 25 Apr 24

Would recommend! James made the process easy and explained everything thoroughly. Very helpful for a first time homebuyer!

Joseph Lloyd

21:48 24 Apr 24

Liberty Capital made my first time home buying experience great!! They were really there for me and made this possible even when I didn't believe, thank you!!!

JAYANT MANSH

21:49 22 Apr 24

Working with Liberty Capital was a breeze. James and the team were responsive, secured us a competitive mortgage rate, and helped us close on our property as planned. Would definitely recommend them!

Jordan

19:48 22 Apr 24

I had an amazing experience working with Jason Krasnow at Liberty! I am an out-of-state investor and I wanted to purchase our 2nd multifamily investment property. Jason was recommended by our agent, and I'm so happy we were connected! Jason guided me through the different financing options and helped me realize that I could actually save a significant amount with a cash-out refi rather than the commercial loan I was originally considering. He was a great communicator throughout the process, responding to my texts immediately and regularly being available for calls when I had questions. I was operating on West Coast hours while he was on East Coast, and he would generously respond to me and talk to me both after his work hours and on the weekend. He worked tirelessly to ensure that our financing was completed on time, and through his efforts we were actually able to close about a week earlier than expected! I would highly recommend Jason and I look forward to working with him on future investments!

Mathew Hiser

18:21 22 Mar 24

It was a easy transaction. Every question was answered and communitcation was fast. The closing was quick due to the pre-signing of documents online made it simple to close.

Ann Emerson

22:11 16 Mar 24

I highly recommend this terrific team! As a first time buyer, they walked me through the process from start to finish. At Closing it was remarked that I had obtained the best interest rate seen in quite some time...all due to the hard work of Liberty Capital Services!

Arianna Stephey

00:15 14 Feb 24

I had a great experience with everyone at Liberty Capital! They made my first time, home buying experience great and easy! I greatly appreciated everyones help and being willing to accommodate my needs!

jcruz0306

16:37 08 Feb 24

It’s always a please working with Jason KrasnowHe is always available and on top of all our questions. Jason and his team are amazing.

Darren Herring

00:37 01 Feb 24

Jason Krasnow was absolutely great to work with in helping us to secure financing for the renovation of our rental properties. We couldn't have been more satisfied with the expert help he provided us in this endeavor. He was always available to answer any questions and to resolve any issues. If you're in the market for a loan, you owe it to yourselves to give him a shout. You won't be disappointed.

Paulina Le

19:36 10 Jan 24

Jason helped us close a conventional loan for our first investment property. He was always available for questions, very knowledgeable, and got back to me quickly. We shopped around for rates and Liberty had the best rate and lowest fees. We were under contract at the end of 2023, but closing happened on time, as scheduled, even with the holidays. Would definitely work with Jason again for our next deal!

Kha Chieu

17:48 04 Jan 24

The team doing wonderful job to help me buying the house. James, Avel and Laura are really helpful and patient enough to answer all my questions and concerns. I truly appreciate it and highly recommended.

Phillip Furlong

01:58 15 Dec 23

Jason and his team are well worth working together. They were prompt to answer, and in some cases late at night and weekends, in order to answer any questions and get paperwork done to meet the deadlines that were put upon us. Highly recommend.

Dan Huber

21:38 05 Dec 23

Great people Jason was very patient and went the extra mile to get my family in a house thanks a million liberty capital service

Lisa Huber

15:15 05 Dec 23

We had the pleasure of working with Jason .He was absolutely terrific! He made sure our questions were answered and understood..If I could give him 20 starts I WOULD!! Thank you for making this as easy as possible Jason !

Dustin Harmeyer

17:09 01 Dec 23

Alisha Fatima

23:50 20 Nov 23

Liberty capital in Columbus made a big difference in our financial situation! They had so many more options to get our loan approved and James and his team were great to work with. Laura was always available to answer questions and worked hard to get us a great mortgage. We are very happy with our new home especially business is a short drive from our home. We had the best experience with Liberty Capital!zarqa Ali Sattar Ahmad wife and Faria Ali sister

Heather Jordan

20:22 16 Nov 23

Jason krasnow has been one of the best lenders to work with. He is upfront and honest and always willing and able to answer any questions. His quick response to every question made me completely confident in his skills. I highly recommend Jason and Liberty Capital Services!!!

Faria Ali

13:30 31 Oct 23

I had the pleasure of working with James The experience was nothing short of outstanding. In a world where securing a loan can often feel like navigating a maze, James from Liberty Capital Services was a guiding light, making the process seamless and stress-free. IMO he was more helpful/available/patient than my realtor.Throughout the loan application process, James exhibited a level of responsiveness that was truly remarkable. Whether it was a quick question or a concern that required attention, I could always count on him to promptly address my needs. His level of commitment and dedication is a testament to his exceptional work ethic.In closing, if you're in need of a loan officer who combines expertise, dedication, and a commitment to your financial success, ask for James as he is the professional you can trust.

Tiara Ferguson

13:08 31 Oct 23

If I could give Liberty Capital 6 stars I would!!!! Specifically loan officer Jason Krasnow deserves a 10 out of 5 star rating as he went completely above and beyond and provided extraordinary customer service with my home purchasing experience and I am extremely impressed and satisfied.I found Jason through a referral while going through a very tough time— I had just concluded a very difficult divorce and wanted to remain in my marital home afterward, however, was uncertain about what I qualified for due to having a brief gap in employment years ago during my marriage. Jason did his due diligence, listened carefully to my situation, and was extremely meticulous, helpful and very knowledgeable about my individual needs. He addressed my concerns, educated me on all my options, and also thoroughly explained the pros and cons of either refinancing or selling my marital home. Based on my individual situation, I ultimately decided it was best to refinance my home, however, I was dreading the refi process as based on my experience getting qualified for a mortgage initially was all a pain and was like putting puzzle pieces together. Jason was a God-send, however, and provided an immense amount of support, guidance, and direction and made the refinance process extremely seamless, efficient, and easy. It was such a relief to have one less thing to worry about during a very stressful and tumultuous time.Even after my closing date, I still had additional follow up questions and although Jason’s work was done with my loan, he continued to be extremely helpful and responsive ( even during nights and weekends!) . I can’t emphasize enough how pleasant my experience was with Jason/ Liberty Loans, and I highly recommend their services to anyone who is in the market for a new home.Thanks again for the wonderful experience!

Sonia Martinez de Simon T.

22:43 24 Oct 23

I recently had the pleasure to work with Jason on the purchase of our first investment property. He probed to be a great professional, very knowledgeable and patient. I mention this because I would be texting him at all hours, but specifically late at night after I got out of the office and he has always promptly responded and always has provided the assistance needed and the info requested. He has gone the extra mile to ensure everything was done the right way, and has also provided good leads for the insurance policy. Since we purchased another house not too long ago, I can compare the experience with our previous broker and Jason has exceeded every expectation we had. I hope we get to work together soon because he made sure the experience, as stressful as it gets, was nonetheless enjoyable. I would highly recommend Jason and his processor, Laura!!!!!

Spencer S

18:25 20 Oct 23

wonderful experience! Jason helped me out in a tight spot and got it done. Can’t go wrong with them!

Sean Leyden

11:35 04 Oct 23

It’s my great pleasure to provide my strongest recommendation for Ken and his team at Liberty Capital Services. They successfully led me through the process to obtain a VA home loan recently. They are experts; Liberty Capital got me the lowest possible interest rate, they were always early to the next milestone and there was never a concern about financing being in place for the closing. Thank you Ken and team!

Raihan Ali

17:32 03 Oct 23

James, Laura, and team were excellent with handling my home loan details. They answered all my questions with great detail. James really worked hard to get us the best rate possible. We will be repeat customers.

terima nagatani

05:13 20 Sep 23

I had the pleasure of working with Jason Krasnow. The experience was nothing short of outstanding. In a world where securing a loan can often feel like navigating a maze, Jason from Liberty Capital Services was a guiding light, making the process seamless and stress-free. IMO he was more helpful/available/patient than my realtor.Throughout the loan application process, Jason exhibited a level of responsiveness that was truly remarkable. Whether it was a quick question or a concern that required attention, I could always count on him to promptly address my needs. His level of commitment and dedication is a testament to his exceptional work ethic.In closing, if you're in need of a loan officer who combines expertise, dedication, and a commitment to your financial success, ask for Jason as he is the professional you can trust.

David Krasno

16:34 13 Sep 23

Jason was fantastic! He spent considerable time working the numbers to get me a respectable rate during the spike in interest rates while getting me to where I need to be for my monthly payment. Very communicative via text, email and phone as well as always accessible and responsive to my inquiries. I highly recommend him and LCS for anyone in need of the services they provide. Thank you Jason!

lafontant saintbien

13:41 13 Sep 23

Mr Jason made the whole process so easy to understand and stressed free I’m going to recommend friends and family to this wonderful guy

Matthew Gorman

19:53 08 Sep 23

Thanks to James and his team for getting our loan and financing approved. They did a great job on a quick timeframe!

Kevin Kim

14:25 01 Sep 23

I was looking to purchase a property in Columbus OH, and was connected with multiple lenders. That said, Jason at Liberty Capital Services was the person to go to without question.I am a super newby when it comes to real estate investing and Jason diligently walked me through every step. On top of that, he would call me with an update every few days and as a newby investor, that elevated a lot of anxiety as a first time buyer. Also, Jason will answer your phone call any time of the day and doesn't matter what the question is, he will 100% ensure you're taken care of.Not only did Jason provide the best product, he made deals that didn't work, WORK!!I refuse to work with any other lender moving forward, and if you're looking to buy, I HIGHLY RECOMMEND working with Jason at Liberty Capital Services.

Melissa Switzer

16:02 17 Aug 23

James and team were excellent. James was super responsive and Laura kept us informed all along the way. Highly recommend!

D R

21:37 07 Aug 23

Liberty capital in Columbus made a big difference in our financial situation! They had so many more options to get our loan approved and James and his team were great to work with. Laura was always available to answer questions and worked hard to get us a great mortgage. We are very happy with our new home especially since our kids will go to a better school district! And our business is a short drive from our home. We had the best experience with Liberty Capital!

Veronica

15:45 21 Jul 23

Jason was awesome! Always picked up the phone late, early, or my 5th call of the day for any questions. He was really patient with me and always kept me updated with progress. I highly recommend him and Liberty

Nicole Carnahan

19:03 20 Jul 23

Jason was very professional and awesome through this whole process. He navigated us through some tricky parts in the process and never stopped trying to get us in our dream home in our dream location. I hope to not move for a long time, but if I do I know I would trust him with the process all over again.

Nick Radabaugh

22:20 04 Jul 23

James was great to work with. He was always available to answer questions and worked hard to get us a great mortgage. We couldn't be happier with our new home and our experience with Liberty Capital!

Sarah Rowley

23:13 24 Jun 23

Over the past 2 years I’ve gone through 3 different loan companies trying to by a house. The process was frustrating, difficult, and beyond confusing. I had the total opposite experience with Liberty Capital!Jarrod was fantastic to work with. He explained every step throughly and made sure I understood what needed to happen next. Step by step, day by day, Jarrod was there to help make my transaction, flawless! Yes, flawless!Huge thank you to Jarrod and the Liberty Capital team! Y’all are rockstars! Never thought I could own a home and I couldn’t have done it without you!

Austin Marsico

18:17 23 Jun 23

Shout to the Liberty Capital Services for the best service yet! Being a VA buyer we had quite the runaround with different lenders. I was able to sleep well at night after speaking with James and his team as he was able to give us clear direction and instructions, which was something we struggling with at first when working with different lenders. Long story short, if you want a great home buying experience these are your guys!!!

joe hamilton

14:03 02 Jun 23

James and Laura came through with flying colors. They fought hard and made the almost impossible happen to get the house closed on the correct date. Cleared to close in only 8 days! Due to some seller fixes, the closing date did not seem like it would happen, but James and Laura made sure it did. Highly recommend!

Sue Belton

14:03 24 May 23

Jason was great to work with, made the whoe process understandable and easy.

Daniel Hocking

15:24 23 May 23

Outstanding Service !!!!

Matthew Swisher

14:58 04 May 23

James and his team are great! They all worked tirelessly for us every step of the process from pre-approval to closing. I would highly recommend working with them!

Russell Scheiderer

12:15 04 May 23

James and his team made sure to accomodate us at every turn throughout the process of securing a mortgage for our first home. They truly seemed to have an interest in us and treat us like people and not a commision. They answered all of our silly questions and James specifically made it a point to walk through every step and number along the way to help us keep our sanity. I would recommend James and his team at Liberty Capital Services to anyone looking to finance a home.

Deb Cada

19:17 01 May 23

James did an awesome job. I highly recommend him.

Karen Root

10:16 28 Apr 23

Everyone was so helpful during this process. It took a village to get it done!

Teresa Aderhold

21:52 24 Apr 23

Bryce what a great guy...Answered phone calls day and night I don't care what time it was he was there for us. Made everything easy and made sure we understood everything 💯

Trevor Seibel

19:45 21 Apr 23

Jason is easy to work with , generally funny, and works to make the lending process as easy as possible. He promised to make the process, “as easy as renting an apartment,” and he did!

Carrie

14:19 19 Apr 23

James and his team worked with us on our first home purchase. They were super responsive and helpful every step of the way. I can’t recommend them enough!

Sheridan Seitz

22:57 30 Mar 23

Victoria Quinones

23:41 29 Mar 23

I had the pleasure of working with Jason Krasnow and I couldn’t have asked for a better person to represent me. Jason walked me throughout the whole process of purchasing my first home from a professional and emotional perspective. Purchasing a home can be an emotional roller coaster but Jason was there to answer any questions I had no matter the time of day. Every time we spoke I always felt I had his full attention to any concerns I may have had. He went above and beyond to make sure everything went as smooth as possible until closing. I highly recommend using his services. Jason is a rockstar!

Michel Vielot

19:48 21 Mar 23

Great experience, Jason Krasnow theLoan Originator was very knowledgeable, helpful, and thoughtful. We definitely recommend working with him!

Elisabeth Rinehart

13:40 21 Mar 23

James and Team at Liberty Capital were so thorough, timely and got everything done within the time frame promised. We closed on our house in 21 days and we couldn’t be happier! My sister and I are so excited to make our home into our dream!

Ndemaloah Paul

09:45 15 Mar 23

Working with James is a blessing. He has a wonderful and amazing team that eases the whole loan process.They are fast and excellent in communication. I will recommend Liberty Capital Services to anyone who wants to buy a property.Good job guys

Anna Criddle

01:18 15 Mar 23

James McBain and his team are hands down the best lenders in the business. FromStart to finish updates weekly and exceptionalCustomer service. I know because I have been a realtor for 24 years. My buyers were extremely grateful to have James and his team provide a stress free and smooth transaction.Thank you James and your team for an tremendous experience.Anna

Maple

01:39 10 Mar 23

Made first time home buying easy, and frequent & quick communication ensured we were able to do everything immediately :3 Ken and Bryce did a great job with everything and are very friendly too!

Trent McMurray

23:43 27 Feb 23

James McBain was absolutely amazing and got my deal completed effortlessly!

Erin Colachis

15:23 27 Feb 23

James was very helpful during our process of home buying and answered any questions we had very quickly.

Aiyana Cross

00:41 11 Feb 23

I was referred to Liberty Capital by my realtor and I’m so happy I found them. James and Laura made the process so easy and simple and kept me updated the entire time.

Alex Phil

16:53 09 Feb 23

Jason was so helpful and compassionate! We had an excellent home buying experience. We were prepared for every step with his guidance and massive knowledge of the process. He helped us get through it, and We would highly recommend working with him!

Ben Hamlin

19:24 01 Feb 23

James McBain was great! Super detailed and excellent communication throughout the entire process.

Katie Palombaro

20:56 10 Jan 23

James was AMAZING throughout my entire process of buying my first home! When putting in multiple offers he was always there and ready to help to ensure I was able to put in offers same day. His experience allowed him to find the best product for me and explain everything throughout the process! I was cleared to close early which directly reflects the attention to detail on his end. Very happy with James and Liberty Capital.

michael hopewell

12:48 24 Dec 22

At the end of the day james,Laura, and the Liberty capital staff feel like family they were patient kind and got the house closed for me,2x ,thank you guys from the bottom of my heart.

Collin Massie

22:58 19 Dec 22

My wife and I recently purchased our first home with the help of Mr. Ken Wichman and his right hand man, Bryce Kuhl. I can’t say enough good things about this dynamic duo. They were on top of all of their tasks, and were extremely responsive with any questions we had (we had a lot).Not only are they the best at their respective jobs, but they were very courteous and grateful for myself, and all veterans who have served in our armed forces.They hands down get 5 stars from us!Thank you very much Ken and Bryce, and I look forward to seeing you guys again!Go Bucks!

Chee Chee Mcgowan

17:49 16 Dec 22

I wish there was 1 million stars I could give Liberty Capital. James & Laura are phenomenal. If you want to get a deal done & know you’re in great hands. Take your business to Liberty Capital. James & Laura will work effortlessly for you.

Solmar Hernandez

06:16 24 Nov 22

Estamos súper agradecidos con Liberty Capital Service LLC y especialmente con Ken Wichman por haber sido el canal de Bendición para hacer nuestro sueño realidad de obtener nuestro préstamo para la Casa 🏠 gracias eternamente agradecida son los mejores 🤗

Mike Hood

20:42 21 Nov 22

Moving over 1,500 miles from North Texas back to Central Ohio, it was critical for my Wife and I to find a reliable and trustworthy resource for the financing of our home. James worked tirelessly with us, sometimes late on Saturdays and Sundays to ensure we had a competitive offer and approval letter in place. He also made sure on the back end that we felt comfortable with the rate, the financial institution we jointly chose and how this investment would affect our family in the long run. I would recommend James and his team for all of your mortgage and refinancing needs, he's the best in the industry!

Bianca Ardevela

21:58 13 Nov 22

I just closed on my property with the help of Jason from Liberty Capital Services. Jason went above and beyond my expectations in assisting us throughout this whole process. He was always so responsive, thorough, and very nice in explaining and answering my plethora of questions. He had a lot of patience when I was going back and forth between another competitor and ultimately he was able to find me a better quote. Jason is an excellent asset to this team and I am very grateful that I got to work with him. We will definitely be doing more work with him in the future. Thank you so much, Jason!! Ken and I greatly appreciate you.

Robert Moore

14:19 20 Oct 22

Liberty Capital did an outstanding job getting our family second home in the Tampa FL area. The process was fast and easy! I 100% recommend Liberty Capital for all your mortgage loans and refinances needs their team will do an excellent job you will not be disappointed!

neil alvarado

00:29 18 Oct 22

Ken and his team are absolutely the best, helpful, and go above and beyond to suit or needs.

Thien Bui

13:04 17 Oct 22

James and Laura were amazing! Smooth process even with us rushing them to close a week earlier than originally planned.

Nicole Klinefelter

15:38 16 Sep 22

James and Laura were amazing! They made the home buying process so much easier than others. Also super friendly. Thank you!!!!!

Amrit Gatewood

18:06 15 Sep 22

Bryce and Laura was awesome to work with! They both communicated every detail and got my Refinance done quickly! I highly recommend them to anyone!

Matthew Miller

03:51 09 Sep 22

It was great working with James and Laura! They answered every question and addressed every concern promptly. They were always responsive and got our loan processed quickly. They were pleasant and made me feel as if I was their only customer. I wouldn’t hesitate to use them again! Definitely recommend.

nabyelith el halaby

13:22 01 Sep 22

Excelente servicio. Muy alegre por su ayuda para la adquisición de la propiedad

Kasi Hill

21:31 26 Aug 22

My fiance and I can not express the gratitude we have for James Mcbain and his team. We closed on our house today and every dead line was met for that to happen in 21 days. We faced a few obstacles on the way and without hesiation the Liberty Capital team flawlessly fixed any and all issues. Highly recommended and without a doubt will refer them to friends and family.

Scorpio Jerome

22:17 23 Aug 22

Lilly Kuang

00:43 17 Aug 22

Chi Y Nguyen

22:12 08 Aug 22

James is very knowledgeable and always available to help. He makes the process as easy as possible for his clients. Thank you James and the team for my smooth closing!

Trent Howard

14:36 14 Jul 22

I worked with James McBain and Laura Mathews for my second mortgage now and the experience has been seamless. The team made the process very easy on me and I would not hesitate to work with them again in the future.

Tyenna Rodriguez

13:39 26 Jun 22

I had the great experience working with Maria. She was extremely helpful and avaliable throughout this entire process. I'm glad I was able to work with her and I will recommend anyone I know in the market to her. Thank you Maria for your exceptional service.

Peter Guirguis

22:18 24 Jun 22

Wow, simply amazing! Jason Krasnow is my loan officer and he has been nothing short of spectacular! He gets me the BEST rates and keeps me updated throughout the entire process. Laura Matthews is a wizard when it comes to helping you with all of the paperwork and loan docs. This powerful duo is the perfect team to get your loan done right! Highly recommend, five stars all the way!

Kelly Lentz

19:37 24 Jun 22

I have worked with Jarrod Singleton and Liberty Capital for many years. My buyers have always been happy with the communication and accuracy provided and if my buyers are happy, I'm happy. Thank you Jarrod!

Alexandra Quintanilla

16:04 24 Jun 22

Maria offers an excellent service! She’s been great to work alongside with, I know my clients are in great hands with her. Thank you for all you do

RYAN FARKAS

13:47 24 Jun 22

Jarrod has helped me and my wife with multiple purchases and a refi. He has always been extremely helpful and honest through the entire process. I won’t take my mortgage needs through anyone else. 10/10 recommend Jarrod.

Jessica Rmz

13:23 24 Jun 22

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Liberty Capital Services LLC is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.