Are you a mortgage broker or a direct lender?

Liberty Home Mortgage is an independent mortgage broker. We help you compare options from multiple lending partners and guide the loan process from application to closing (program dependent).

Do you offer Portfolio Loans in Lewisville?

Yes. Portfolio Loans (Non-QM) are a core offering and may help borrowers who need flexible documentation or underwriting options (program dependent).

What documents do I usually need to start?

Many borrowers start with ID, income documents (or self-employed documentation), bank statements, and permission to pull credit. Self-employed borrowers may also use business bank statements and/or a Profit & Loss (P&L) statement depending on the program (program dependent).

Do you quote exact rates on the website?

Rates change daily and depend on your full scenario. We provide accurate options after reviewing the complete file (program dependent).

What areas do you serve?

We are based in Lewisville, TX 75056 and serve Denton County and borrowers across Texas (program dependent).

VA Loans in Lewisville, TX 75056

Liberty Home Mortgage helps eligible veterans, active-duty service members, and qualified surviving spouses in Lewisville (75056) and Denton County explore VA loan options (program dependent).

VA loans are designed to help eligible borrowers purchase or refinance a primary residence with flexible guidelines compared to many other loan types depending on the scenario and underwriting.

Proudly serving Lewisville (75056), Denton County, and borrowers across Texas (program dependent).

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✅ Apply Now • 📞 Phone & Text: 713-955-4685 • ✉️ info@libertyhomemortgage.com

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What a VA Loan Is

A VA loan is a mortgage benefit for eligible military borrowers backed by the U.S. Department of Veterans Affairs (program dependent). The lender still underwrites the loan and reviews credit, income, assets, and property details.

VA eligibility rules, lender overlays, and property requirements can vary based on the borrower profile and the lender’s guidelines.

Program guidelines vary by lender. All loans are subject to underwriting approval and credit review.

Why VA Loans Are Popular

Exact terms vary by lender and scenario. Many VA loans may offer benefits such as:

No monthly mortgage insurance (program dependent)
Competitive pricing for qualified borrowers (program dependent)
Flexible down payment options (program dependent)
Options for both purchase and refinance (program dependent)

VA Loan Options We Can Review

VA Purchase Loans

If you are buying a primary residence, a VA purchase loan may be an option if you meet VA eligibility requirements and the property meets VA guidelines (program dependent). Underwriting reviews the full file including income, credit, assets, and occupancy intent.

VA IRRRL (VA Streamline Refinance)

A VA IRRRL (Interest Rate Reduction Refinance Loan) is often called a VA Streamline. It may help eligible borrowers who already have a VA loan refinance to improve the rate, payment, or loan structure (program dependent).

Streamline refinances have specific rules and typically require a clear borrower benefit (program dependent).

VA Cash-Out Refinance

A VA cash-out refinance replaces your current mortgage with a new VA loan and may allow you to access equity depending on eligibility and VA/lender guidelines (program dependent).

This option can also be used to refinance a non-VA loan into a VA loan in some scenarios subject to VA rules and approval.

Simple Steps to Get Started

Tell us your goal: purchase, VA streamline refinance, or cash-out refinance.
We confirm eligibility and review the VA items needed (program dependent).
You receive a simple document checklist.
Underwriting reviews the full file and we guide you through closing.

Portfolio Loans (Non-QM) Alternative

Portfolio Loans are a key offering. Some borrowers compare VA options with flexible documentation programs depending on their scenario (program dependent).

DSCR Loans
Bank Statement Loans
1099 Contract Employee Loans
Profit and Loss Statement Loans
Asset Depletion Loans
Asset Utilization Loans
Restricted Stock and RSU Income Loans
Full Doc Non-QM Loans

Lease-to-Own Portfolio Program

Some borrowers exploring homeownership may also review the Lease-to-Own Portfolio Program. This program may help certain borrowers transition toward purchasing a home depending on eligibility and partner programs (program dependent).

Frequently Asked Questions

Do I have to already have a VA loan to use a VA IRRRL?

Yes. A VA IRRRL is used only to refinance an existing VA loan (program dependent).

Is a VA IRRRL the same as a VA cash-out refinance?

No. A cash-out refinance is a different option that may allow you to access equity. An IRRRL is mainly for improving the rate or loan terms (program dependent).

Does a VA refinance have to provide a benefit?

Yes. VA streamline and refinance options generally require a clear borrower benefit (often called a net tangible benefit) depending on VA and lender guidelines (program dependent).

Are VA loans assumable?

VA loans are generally considered assumable under VA rules, but assumptions are not automatic. The buyer must qualify and the lender and VA must approve the assumption (program dependent).

How long does a VA loan or refinance take?

Many VA transactions close in about 20 to 45 days depending on title work, documentation, appraisal timing, underwriting conditions, and the lender’s process (program dependent).

Get a VA Loan Review

📞 Phone & Text: 713-955-4685
✉️ info@libertyhomemortgage.com
🌐 www.libertyhomemortgage.com

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Office & Licensing

Liberty Home Mortgage
4400 State Hwy 121 STE 300
Lewisville, TX 75056

🏠⚖️ Equal Housing Lender
Company NMLS: 321164 • Aslam Mansoor NMLS: 184238

Helpful reference: NMLS Consumer Access

All loans are subject to underwriting approval and credit review. Some restrictions may apply. Programs, rates, and terms are subject to change without notice.

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