Which Loan Is Right for Me?
Liberty Home Mortgage offers residential and commercial loan options for a wide range of borrowers, including traditional and alternative income scenarios (program dependent). We provide clear, compliant guidance for purchase, refinance, and investment property financing.
We proudly serve Lewisville (75056), Denton County, and surrounding Texas communities.
Our goal is simple: help you understand your options and choose the loan that fits your timeline, budget, and long-term plans.
✅ Apply Now • 📞 Phone & Text: 713-955-4685 • ✉️ info@libertyhomemortgage.com
Loan Options We Offer
Residential Home Loans
Conventional loans, FHA loans, VA loans, USDA loans, jumbo loans, and refinance options (program dependent).
Commercial Loan Options
Financing for income-producing commercial properties and related business-purpose options (program dependent).
Self-Employed & Alternative Income Solutions
Bank statement loans, 1099 income loans, DSCR programs, ITIN loans, and other flexible documentation options (program dependent).
Here are related loan programs you can compare (eligibility and program rules apply):
Related Programs
Start with these core pages, then compare specialty options:
Why Choosing the Right Loan Matters
In the past, most homeowners used the same loan: a 30-year fixed mortgage. Today, there are many different loan programs. Choosing the right one can help you match the payment and rules to your real-life plan (program dependent).
How Long Do You Plan to Live in the Home?
Your timeline matters when choosing a loan. Below is a simple guide (program dependent):
- 1–3 years: short-term adjustable options (example: 1-year or 3/1 ARM)
- 3–5 years: 5/1 ARM
- 5–7 years: 7/1 ARM
- 7–10 years: 10/1 ARM, 30-year fixed, or 15-year fixed
- 10+ years: 30-year fixed or 15-year fixed
Common Loan Programs Explained
30-Year Fixed Mortgage
Advantages:
- Monthly payments stay the same
- Interest rate is fixed
- Protection if rates rise
Things to consider:
- Often a higher rate than shorter-term loans
- Higher total interest paid over time
15-Year Fixed Mortgage
Advantages:
- Faster payoff
- Often a lower rate than a 30-year loan
Things to consider:
- Higher monthly payment
Adjustable Rate Mortgages (ARMs)
Advantages:
- Lower initial payment
- May qualify for a higher loan amount
- Rates may decrease in some cases (program dependent)
Things to consider:
- Payments may increase over time
- More risk if rates rise
Balloon Mortgages
Advantages:
- Lower initial payments
- Short-term financing option
Things to consider:
- Large payment due at the end of the term
- Refinance or payoff required
First-Time Homebuyer Programs
Advantages:
- Lower down payment options (program dependent)
- Easier qualification for some buyers (program dependent)
Things to consider:
- Income or property limits may apply
- Some programs have resale restrictions
No-Point / No-Fee Options
Advantages:
- Lower upfront costs (program dependent)
- Less cash needed at closing (program dependent)
Things to consider:
- Higher interest rate (program dependent)
- Higher monthly payment (program dependent)
Home Equity Line of Credit (HELOC)
Advantages:
- Borrow only what you need
- Pay interest only on what you use
- Flexible access to funds
Things to consider:
- Often variable rates
- Payments can change over time
Home Equity Fixed Loan
Advantages:
- Fixed payments
- Predictable repayment
Things to consider:
- Rates can be higher than first mortgages (program dependent)
- May affect future refinancing options
Specialized Loan Options
In addition to standard loan programs, Liberty Home Mortgage offers specialized financing solutions for unique situations. These programs vary by lender, property type, and documentation (program dependent).
For personalized guidance, call or email us to review your options.
📞 Phone & Text: 713-955-4685
✉️ info@libertyhomemortgage.com
🌐 www.libertyhomemortgage.com
Equal Housing Lender 🏠⚖️
Company NMLS: 321164 • Aslam Mansoor NMLS: 184238
Liberty Home Mortgage • 4400 State Hwy 121 STE 300 • Lewisville, TX 75056
All loans are subject to underwriting approval and credit review. Some restrictions may apply. Programs, rates, and terms are subject to change without notice.