April Liberty- Mortgage Loan Originator Nmls#2238564

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April Liberty- Mortgage Loan Originator Nmls#2238564

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Mortgage Loan Originator, NEXA Mortgage, LLC, an Equal Housing Lender, NMLS # 1660690. Not looking in Florida or Maine?

I have a team of experienced loan originators that would be happy to help.
¿Hablas español? Tengo un equipo de profesionales que hablan español.

10/09/2026

Your bank said no. That doesn’t mean you’re out of options.

I’m closing a loan that’s helping a family overwhelmed by credit card debt gain some breathing room. A fresh start.

Many homeowners don’t realize there are specialty cash-out refinance options for primary homes that don’t require income documentation—even when their income or low FICO prevents them from qualifying for traditional refinances.

Although the mortgage rate may be slightly higher than a traditional loan, consolidating much higher-interest credit card debt into a loan amortized over 30 years can make monthly payments more manageable.

The numbers need to make sense for your situation and the equity needs to be there. Is this something you or a family member needs help with before it’s too late?

Let’s explore your options.

April Liberty | NMLS #2238564
[email protected]
www.AprilLiberty.com

Subject to eligibility and underwriting approval.

10/09/2026

There are situations which arise in people’s lives where they need a life saver to help them navigate difficult times. This loan product is one which has helped me help others during seasons of trials many times. I am so thankful to have access to it!

Did you know we have a no-income, no-FICO loan option for primary and second home purchases and refinances in Florida? Now you do.

📩 Message me to explore your options

April Liberty | NMLS #2238564
✉️ [email protected]
🌐 www.AprilLiberty.com

10/02/2026

💳 Tired of high credit card interest? A HELOC may help you consolidate debt and lower your monthly payments using your home’s equity.

Text me “HELOC” and let’s compare the numbers!

April Liberty | NMLS #2238564
📱 (207) 939-6874
📧 [email protected]
🌐 www.AprilLiberty.com

09/28/2026

Investors: a quick loan quote is only useful if the lender has the full picture.

I see investors collect quotes and try to compare them, only to find out the lenders were pricing different scenarios.

Your actual credit score matters. So does whether the property is vacant or leased, whether it’s a long-term or short-term rental, your immigration or residency status, your ownership percentage in the LLC, your investor experience, how long you’ve been on title, and whether you’ve completed rehab since purchasing... among other things.

Is it complicated? No. Does it take a few minutes of your time? Yes.

Those details can change your loan options and pricing. And if you spend weeks collecting quotes, the rates from two weeks ago (even 3 days ago) are no longer relevant.

Shop your loan. Absolutely. But give each mortgage professional your complete application and property details so you can compare quotes that actually apply to your deal. Try to avoid paralysis by analysis as well 😅

Worried about multiple credit pulls? Ask whether the lender can start with a soft credit pull.

April Liberty | (207) 939-6874

09/28/2026

Wow. I just priced out an FHA 5/1 ARM, and the interest rate difference compared with a 30-year fixed loan caught my attention.

In a higher-rate environment, I think mortgage professionals need to look at every suitable option that could save their clients money.

A 5/1 ARM keeps the interest rate fixed for the first five years. After that, the rate can adjust annually. For someone considering an FHA loan, the lower initial rate could make a meaningful difference in the monthly payment. Most borrowers do not remain in FHA loans for more than a few years due to the life-long mortgage insurance, so a 5 year ARM may not bother many.

That doesn’t mean an ARM is right for everyone. I’d compare the payment and closing costs today.

If you’re shopping for a home, ask me to price both options. The difference may surprise you, too.

April Liberty | NMLS 2238564

09/25/2026

High mortgage rates can cause headline shock. But some buyers see the potential in the market...

While some buyers have stepped back, more sellers are competing for the buyers who remain. In August, over 1 in 5 listings had a price cut, and sellers provided concessions in 45%+ of sales tracked. It is also estimated that there are 58% more sellers than buyers nationally.

And the timing is interesting: Realtor.com projects September 27–October 3 as the best week to buy nationally this year, based on the balance of available homes, prices, and competition.

So what could you negotiate? Maybe a lower purchase price. Maybe help with closing costs or a seller-paid temporary rate buydown. Depending on the loan and concession limits, seller funds can also help cover eligible closing costs, freeing up some of your cash to pay discount points for a lower fixed rate for the life of the loan.

There’s no one-size-fits-all winning offer. Let’s compare the monthly payment, cash to close, and long-term cost before you make yours.

Bonus? Lenders see the number of loan applications dropping due to rates and guess what... they are offering us rate incentives on new loan applications which we pass along to consumers!

It’s a glass-half-full housing market for those who seek it :-)

April Liberty | NMLS #2238564

09/24/2026

🏡🌴 TAMPA BAY REALTORS — YOU’RE INVITED!

The 3rd Annual Greater Tampa Bay Real Estate Expo is coming up on October 8th, and my NEXA colleagues will be there!

This is a fantastic opportunity for my Tampa Bay Realtor partners to connect, learn, and discover new resources to help grow their businesses. And best of all, it’s FREE!

🎓 TWO CE COURSES AVAILABLE:

📚 Behavioral Analysis | 3 CE Hours Understand how buyers and sellers make decisions and learn communication strategies to help grow your business.

🏡 1031 Exchange & Financial Planning for Agents | 2 CE Hours Learn how 1031 exchanges work and explore strategies for building long-term wealth.

✨ PLUS:

Networking with Tampa Bay real estate professionals

Industry education and financing resources

Creative lending solutions for today’s buyers

Food, drinks, and opportunities to make valuable connections!

📅 Thursday, October 8, 2026 ⏰ 11 AM – 6 PM 📍 T. Pepin’s Hospitality Centre, Tampa, FL

Unfortunately, I won’t be able to attend in person, but my wonderful NEXA colleagues will be there and would love to connect with you!

Whether you’re looking to expand your knowledge, discover new financing options for your buyers, or grow your professional network, this event is for you.

🎟️ FREE REGISTRATION: https://www.GTBExpo.com/

Tag a Realtor who should attend! 🧡

09/24/2026

What if your income changed, but you still need a way forward with your home?

For some Florida homeowners, a refinance can feel out of reach after a job change, a shift in household income, or a divorce. Traditional loan guidelines may no longer fit their situation.

One option I work with is a no-income, no-DTI loan for primary residences. It can be used for a purchase, refinance, or cash-out refinance. I’ve found the refinance option especially helpful for homeowners who want to explore:

• Consolidating debt when they don’t qualify for traditional financing or a HELOC
• Refinancing without a two-year employment history
• Keeping a home after a divorce when qualifying on one person’s income is difficult

This is a 30-year fixed-rate loan with no prepayment penalty. It also has safeguards, including minimum credit score requirements and a required homeownership education class. Eligibility and loan terms depend on the full scenario.

Is it the right choice for everyone? No. A refinance should make sense for your finances and your long-term plans, especially if you’re considering using home equity to pay off debt.

But if your bank has told you “no,” it may be worth learning what other options exist. Knowledge is power. If you’re in Florida and wondering whether this could help, I’m happy to talk through your situation.

April Liberty | (207) 939-6874

09/23/2026

😬Credit card payments piling up? Your home equity may offer another option... and a non-occupant borrower could help.

If high-interest balances are stretching your monthly budget, we can compare your current payments with a HELOC designed for debt consolidation. The goal is to see whether it could improve your monthly cash flow (and based on the min monthly debt payments we see these days, it often does).

This option offers:

🏠 Up to 90% combined loan-to-value on eligible homes
👥 Perk! An eligible *non-occupant co-borrower* may help with qualifying income, even if they are not on title!
💻 A fully digital process, with an *average six-day turnaround
📋 No full appraisal needed for eligible lines under *$500,000
✅ No prepayment penalty or early termination fee

The program uses the primary income earner’s FICO score for its credit score requirement. Approval still depends on the complete application, including income, debts, equity, and property eligibility. It may be worth a try if you are struggling to keep up.

Want to see how your numbers compare? DM me and I’ll send you application link 🔗

April Liberty | NMLS #2238564
(207) 939-6874

*Program terms and approval apply. Turnaround is an average, not a guarantee.*

09/21/2026

🏡 Best predicted week to buy a home in 2026 is almost here: September 27–October 3.

Its national forecast projects 31.9% more active listings than at the start of the year. More choices may give buyers room to compare homes and negotiate on price, repairs, or seller credits. (Psst...Those seller credits can help with rate buydowns!)

The best opportunity still depends on your local market and your budget. If you’re thinking about buying, DM me “HOME” and let’s look at your financing options so you’re ready when the right property comes along.

Licensed in Maine🌲Florida🌴
Investor loans in 35 states🇺🇸
April Liberty | NMLS #2238564

Cell (207) 939-6874

Address

Corporate Office 3100 W Ray Road STE 201
Chandler, AZ
85226

Telephone

+12079396874

Website

http://www.aprilliberty.com/, https://nmlsconsumeraccess.org/TuringTestPage.aspx?ReturnUrl=%2FEntityDetails.aspx%2FCOMPA

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