Texas Mortgage Broker — Home Loans, Refinance & Specialty Financing in Lewisville, TX

Liberty Home Mortgage is an independent mortgage broker in Lewisville, Texas, offering residential purchase loans, refinance options, and specialty financing for self-employed borrowers, investors, veterans, and first-time homebuyers. Loan programs include conventional, FHA, VA, USDA, jumbo, bank statement, P&L, VOE, DSCR, HELOC, and portfolio options.

All programs are subject to borrower qualification, property eligibility, lender requirements, investor requirements, agency guidelines, and underwriting approval. Not all borrowers will qualify. Not all programs are available for all scenarios. This is not a commitment to lend.

Conventional Loans

Conventional loans for purchase and refinance, including Fannie Mae and Freddie Mac options. Subject to borrower qualification, credit requirements, and lender guidelines.

FHA Loans

FHA loans with flexible qualification guidelines for eligible borrowers. Liberty Home Mortgage is not a government agency and is not affiliated with HUD or FHA.

VA Loans

VA loans for eligible veterans, active-duty service members, and surviving spouses. Borrowers must obtain a Certificate of Eligibility and meet VA requirements.

USDA Loans

USDA loans for eligible rural and suburban properties. Subject to USDA eligibility requirements, property location, and borrower qualification.

Jumbo Loans

Jumbo loans for loan amounts above conforming limits. Available for properties in qualifying markets with sufficient equity. Subject to stricter requirements.

Bank Statement Loans

Bank statement loans for self-employed borrowers. Uses business or personal bank statements for income documentation instead of tax returns.

P&L Loans

P&L loans using profit and loss statements for income documentation. For self-employed borrowers with current year-to-date financials.

DSCR Loans

DSCR loans for real estate investors using rental income. Qualification based on property's debt service coverage ratio rather than personal income.

HELOC

HELOC options for Texas homeowners. Subject to Texas Section 50(a)(6) home equity requirements including 80% combined LTV limits.

2/1 Buydown

Conventional 2/1 Buydown options for eligible purchase and no-cash-out refinance transactions. Subject to Fannie Mae and Freddie Mac guidelines only.

Borrower Qualification Required — All loan programs require borrower qualification and are subject to underwriting approval.

Credit and Income Matter — Credit score, income documentation, debt-to-income ratio, and property type affect eligibility.

Texas Home Equity Rules — Texas home equity rules apply to cash-out refinance and HELOC transactions under Section 50(a)(6).

Investment Property Differences — Investment property and DSCR loans have different requirements than primary residence loans.

Self-Employed Documentation — Self-employed borrowers may need additional documentation such as bank statements or P&L.

Timelines Vary — Timelines vary by loan program, documentation completeness, and underwriting.

Not All Qualify — Not all borrowers will qualify for all programs.

Not a Commitment to Lend — This information is not a commitment to lend.

W-2s and Pay Stubs

Recent pay stubs and W-2 forms for employed borrowers to verify income.

Tax Returns

Personal and business tax returns for self-employed borrowers or those with additional income sources.

Bank Statements

Recent bank statements to verify assets, reserves, and down payment sources.

Business Bank Statements

Business bank statements for self-employed borrowers applying for bank statement loan programs.

Profit and Loss Statement

Current year-to-date P&L for self-employed borrowers using P&L loan programs.

VOE Documentation

Verification of employment documentation for VOE program applicants.

Investment Property Documentation

Lease agreements, rent rolls, or property management statements for DSCR and investor loans.

DD-214 or COE

Certificate of Eligibility or discharge papers for VA loan applicants.

Identification

Government-issued photo ID and Social Security card.

What areas does Liberty Home Mortgage serve?

Liberty Home Mortgage provides residential mortgage services throughout Texas. The office is located in Lewisville, Denton County, serving the Dallas-Fort Worth metroplex and statewide.

Is Liberty Home Mortgage a direct lender or a broker?

Liberty Home Mortgage is an independent mortgage broker, not a direct lender. The company works with multiple lenders to help borrowers review available loan programs and compare options.

What loan programs are available for self-employed borrowers?

Self-employed borrowers may review bank statement loans, P&L loans, VOE programs, asset depletion options, and certain Non-QM or portfolio programs. Availability depends on credit, assets, and business history.

Does Liberty Home Mortgage offer VA loans?

Yes. VA loans are available for eligible veterans, active-duty service members, and surviving spouses. Borrowers must obtain a Certificate of Eligibility (COE) and meet VA and lender requirements.

Can I refinance my existing mortgage?

Refinance options may be available for eligible borrowers, including rate-and-term refinance, cash-out refinance (subject to Texas home equity rules), and VA IRRRL for eligible veterans. Subject to qualification and property eligibility.

What is a DSCR loan?

A DSCR (Debt Service Coverage Ratio) loan is an investor loan where qualification is based on the property's rental income rather than the borrower's personal income. Available for investment properties in eligible scenarios.

What is a 2/1 Buydown?

A conventional 2/1 Buydown temporarily reduces the initial interest rate for the first two years of the loan. The rate increases in year two and reaches the full note rate in year three. Borrower qualification is generally based on the full note rate. Available for eligible Fannie Mae and Freddie Mac conventional purchase and no-cash-out refinance transactions only.

How do I contact Liberty Home Mortgage?

Call or text 713-955-4685, email info@libertyhomemortgage.com, or visit the office at 4400 State Hwy 121 STE 300, Lewisville, TX 75056. You can also apply online or use the contact form on the website.