Liberty Home Mortgage

Liberty Home Mortgage Services include purchase loans, refinancing, and options for self-employed borrowers. Equal Housing Lender • Company NMLS: 321164 • Aslam NMLS: 184238.

Liberty Home Mortgage provides residential and commercial mortgage guidance for homebuyers, homeowners, and real estate investors in Lewisville and Denton County, TX. Liberty Home Mortgage is a mortgage broker serving Lewisville and Denton County, TX. We help homebuyers and homeowners compare loan options including Conventional, FHA, VA, Jumbo, Refinance, and Portfolio (Non-QM) solutions. We guide

clients through pre-approval, documentation, and underwriting with clear steps and responsive communication.

Texas Cash-Out with a Credit Score Below 620?A lot of homeowners assume this is not possible.That’s not always the case....
04/28/2026

Texas Cash-Out with a Credit Score Below 620?

A lot of homeowners assume this is not possible.
That’s not always the case.
There are options where cash-out may still be available in Texas, even with a lower credit score depending on the full picture.
Here’s what matters more than just the score:

• How much equity you have in the home
• Your overall credit profile (not just the number)
• Loan-to-value and Texas cash-out rules
• Stability of income and assets

Simple way to think about it:
Credit score matters — but it’s not the only factor.

Every scenario is a little different, especially with Texas cash-out guidelines.

If you’ve been told “no” before, it’s worth taking a second look based on the full situation.

What part of the process has been the most confusing for you?

A lot of buyers focus on the rate…Then they see the payment and go:“Wait… why is it higher than I thought?”Here’s what u...
04/20/2026

A lot of buyers focus on the rate…

Then they see the payment and go:
“Wait… why is it higher than I thought?”

Here’s what usually surprises people:

• Taxes
Property taxes can add a big chunk to your monthly payment.

• Insurance
Homeowners insurance is always included if you escrow.

• PMI (if putting less than 20% down)
This can add a few hundred dollars depending on the loan.

• HOA (if applicable)
Not part of the loan, but still part of your monthly housing cost.

• Interest rate movement
Even small changes in rate can shift the payment more than expected.

Simple way to think about it:
Rate is one piece — payment is everything combined.

That’s why two homes at the same price can have very different monthly payments.

Most people don’t realize this until they see real numbers.

What surprised you the most when you first looked at a mortgage payment?

A lot of people come in thinking:“My credit score decides my rate.”It matters… but it’s not the whole story.Here’s what ...
04/16/2026

A lot of people come in thinking:

“My credit score decides my rate.”

It matters… but it’s not the whole story.

Here’s what actually moves your rate:

• Credit score — yes, it plays a role
• Down payment — more skin in the game can help
• Property type — primary vs investment is a big difference
• Loan type — conventional, FHA, VA, portfolio all price differently
• Loan size — can change pricing buckets
• Market — rates move every day whether anything changes in your file or not

Simple way to think about it:
It’s not one thing — it’s the full picture.

That’s why two people with the same score can still get very different rates.

Most people don’t realize that until they start comparing quotes.

What surprised you the most when you first looked at rates?

Ever wonder why mortgage rates don’t stay the same every day?Here’s the simple version:Mortgage rates follow something c...
04/12/2026

Ever wonder why mortgage rates don’t stay the same every day?

Here’s the simple version:

Mortgage rates follow something called the bond market.

Think of it like this:
• Good news for the economy → rates can go up
• Bad news or uncertainty → rates can go down
• Big headlines → fast changes

Right now, rates are moving mostly because of:
• Inflation (prices going up)
• Oil prices
• Global news

That’s why you might see one rate today… and a different one tomorrow.

What This Means:
• Timing matters when locking a rate
• Small daily changes are normal
• Big moves usually come from big news

If you’re buying or refinancing, it’s not about guessing the market — it’s about understanding it.

Learn More About Your Mortgage Options
https://www.libertyhomemortgage.com/portfolio-loans

Not every homebuyer fits into a traditional income box.Some borrowers may have strong employment history but don’t quali...
04/05/2026

Not every homebuyer fits into a traditional income box.

Some borrowers may have strong employment history but don’t qualify using standard income documentation. In certain cases, alternative loan programs may allow income to be evaluated differently, depending on the full financial picture and program guidelines.

The key is understanding your options and working with a team that can help guide you through what may be available.

Every situation is unique, but solutions may exist.

Another successful closing! 🎉Big congratulations to Jeeshan on his new home. It’s always exciting to see this moment com...
04/05/2026

Another successful closing! 🎉

Big congratulations to Jeeshan on his new home. It’s always exciting to see this moment come together, and we’re grateful to have been part of the journey.

Wishing you all the best as you settle into your new home!

Another happy homeowner in the books! 🎉Big congratulations to Nabeel on closing on his new home. Moments like this are w...
04/05/2026

Another happy homeowner in the books! 🎉

Big congratulations to Nabeel on closing on his new home. Moments like this are what it’s all about—helping families move into the next chapter.

Grateful for the opportunity to serve and be part of the journey. Wishing you all the best in your new home!

Self-employed and your tax returns don’t reflect what you actually make?You’re not alone.No W2 No Paystubs No Tax Retu...
04/02/2026

Self-employed and your tax returns don’t reflect what you actually make?

You’re not alone.

No W2
No Paystubs
No Tax Returns

There are loan options where income is based on a Profit & Loss statement instead.

Here’s the idea:

• Income comes from your business performance
• A 12-month P&L is used
• Designed for business owners and self-employed borrowers
• Focus is on real income, not just what’s reported

Simple way to think about it:
Tax return loans = reported income
P&L loans = real business income

If your numbers on paper don’t match reality, this is where many borrowers start exploring options.

Have questions about your situation? Drop them below 👇

Self-employed and think getting a mortgage is harder?It doesn’t have to be.No W2 No Paystubs No Tax Returns There are...
04/02/2026

Self-employed and think getting a mortgage is harder?

It doesn’t have to be.

No W2
No Paystubs
No Tax Returns

There are loan options where income is based on your bank statements instead of tax returns.

Here’s the simple idea:

• Income is calculated from deposits
• Designed for business owners and 1099 borrowers
• Focus is on real cash flow, not write-offs

Simple way to think about it:
Tax return loans = reported income
Bank statement loans = real-world income

If your tax returns don’t reflect what you actually make, this is where many borrowers start looking at alternatives.

Have questions about your situation? Drop them below 👇

Address

4400 State Highway 121, Ste 300
Texas Traditions, TX
75056

Opening Hours

Monday 10am - 5pm
Tuesday 10am - 5pm
Wednesday 10am - 5pm
Thursday 10am - 5pm
Friday 10am - 5pm
Saturday 1pm - 3pm

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