A 15-Year Mortgage vs. 30-Year Mortgage: Which Is Right for You?

October 30, 2019 by Liberty Capital Services

When you are mortgage shopping, you’re often confronted with a confusing array of rates, terms, lending criteria and on and on. One of those options is the term of the loan. Both 15-year mortgages and 30-year mortgages have their own set of pros and cons. You should consider these against your own financial profile.

The Difference Between a 30 and 15-Year Mortgage is More Than Meets the Eye

Today, nearly 90 percent of borrowers choose a 30-year fixed mortgage. But many borrowers may not understand the advantages of the 15-year term mortgage. Obviously, the term is shorter for a 15-year mortgage but over the full life of the mortgage, borrowers will pay more than double for the 30-year option.

The Difference in Amortization

As a mortgage continues to be paid, the principal that is paid down will change over time which is determined by the amortization. At the outset, most of the payment goes toward interest. This then declines over the life of the loan when more goes increasingly toward principal.

The term that the two mortgages are amortized is consequently different for each with more money going toward interest for a longer duration with a 30-year mortgage. This means that the principal balance is declining more slowly with the 30-year loan.

Advantages of a 30-Year Mortgage

There are advantages to a 30-year fixed rate mortgage. Primarily, borrowers are attracted to it for the lower monthly payment. This can also allow a borrower to buy more house by being able to qualify with lower payments. Having lower payments can also free up money for other things.

Advantages of a 15-Year Mortgage

15-year mortgages pose less of a risk for lenders. This means that they will offer a lower interest rate than for a 30-year loan. This can represent anywhere from a quarter of a percentage point to a full percentage point and add up over the years. The combined effect is a quicker amortization and a lower interest rate.

Unfortunately, the drawback of the 15-year mortgage is the larger monthly payment. But if a borrower can afford to pay the higher payment, particularly if he or she will be staying in the home for any duration, equity is building up faster over time. Also, if a borrower is anticipating staying in the home long term, having a mortgage paid off by the time they hit retirement is a great incentive.

What to Consider

The best way to decide which mortgage to pursue is to consult with a Columbus mortgage company. They will help you understand how each mortgage may or may not be a fit by considering

Your income
Your debt
Your household expenditures
Your credit score and financial history
Any savings or other investments

Call a Professional

If you have questions about shopping for a mortgage, your best resource is to contact an Ohio mortgage broker who can answer any of your questions and help you decide which mortgage product is best for you. A professional mortgage specialist can help you understand your options and offer advice. Call Liberty Capital Services today at (614) 505-0620 for a free consultation to understand your mortgage options.

What Our Clients Are Saying

Liberty Capital Services LLC

4.9

Based on 179 reviews

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Hiren P.

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 B.

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 T.

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 H.

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 R.

00:09 06 Aug 24

Praveen K.

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 L.

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 P.

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 C.

20:22 25 Jun 24

jeffrey D.

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 S.

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 X.

03:49 16 May 24

Jeremy D.

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 Z.

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 B.

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 B.

14:58 25 Apr 24

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

Joseph L.

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 M.

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 H.

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 E.

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 S.

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 H.

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 L.

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 C.

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 F.

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 H.

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 H.

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 H.

17:09 01 Dec 23

Alisha F.

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 J.

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 A.

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 F.

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 L.

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 A.

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 N.

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 K.

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 S.

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 G.

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 K.

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 S.

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 C.

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 R.

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 R.

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 M.

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 H.

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 B.

14:03 24 May 23

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

Daniel H.

15:24 23 May 23

Outstanding Service !!!!

Matthew S.

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 S.

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 C.

19:17 01 May 23

James did an awesome job. I highly recommend him.

Karen R.

10:16 28 Apr 23

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

Teresa A.

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 S.

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 S.

22:57 30 Mar 23

Victoria Q.

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 V.

19:48 21 Mar 23

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

Elisabeth R.

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 P.

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 C.

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 M.

23:43 27 Feb 23

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

Erin C.

15:23 27 Feb 23

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

Aiyana C.

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 P.

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 H.

19:24 01 Feb 23

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

Katie P.

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 H.

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 M.

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 M.

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 H.

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 H.

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 A.

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 M.

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 A.

00:29 18 Oct 22

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

Thien B.

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 K.

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 G.

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 M.

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 H.

13:22 01 Sep 22

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

Kasi H.

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 J.

22:17 23 Aug 22

Lilly K.

00:43 17 Aug 22

Chi Y N.

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 H.

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 R.

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 G.

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 L.

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 Q.

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 F.

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 R.

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.