NMLS #275236
FL & TX Licensed

Smart Lending for Smarter

Buyers 

Loans designed around people, not paperwork.

0+
Years Experience
0+
Happy Families
$0B+
Loans Funded
Personalized Solutions

Find Your Perfect Match

Every borrower is unique. Discover loan programs tailored to your specific situation and financial goals.

Personalized service you can count on

First Time Home Buyer

Special programs designed for first-time buyers with low down payment options.

Start your journey with as little as 3% down
Clear, guided process built for first-time buyers
Competitive terms for qualified buyers

Self-Employed

Flexible documentation loans for entrepreneurs and self-employed professionals with alternative income verification.

Programs that recognize cash flow and revenue beyond tax returns
Income verification based on Bank Statements, Business Bank Statements, 1099, P&L, and more
Loan options for primary, vacation, and investment properties

Investor

Investment property financing with competitive rates and terms for real estate investors and landlords.

DSCR programs available for qualification based on rental income
Focused on building and scaling real-estate portfolios efficiently
Multiple loan structures to fit investment goals

VA

Exclusive benefits for veterans and active military with no down payment and no PMI requirements.

**$0 Down Payment** for eligible veterans and active duty
Streamlined refinance options for existing VA homeowners
Built to help service members achieve homeownership with confidence
Trusted by thousands nationwide

Our Loan Programs

Discover the perfect mortgage solution for your unique situation. Click any card to explore program details and benefits.

Conventional Purchase

Purchase
Flexible down payment options starting as low as 3% for strong credit profiles
Can drop private mortgage insurance (PMI) once 20% home equity is reached
Available to finance primary, second, or investment properties with competitive rates

Conventional ARM

Purchase
Provides a lower initial rate compared to fixed-rate loans
Offers adjustable terms like 5/1 or 7/1, ideal for short-term ownership plans
Meets Fannie Mae/Freddie Mac guidelines, ensuring broad availability

Jumbo

Purchase
Enables financing of high-value homes that exceed conforming loan limits
Available with both fixed and adjustable terms
Commonly used for luxury or high-cost market areas

Conventional Renovation

Renovation
Combines purchase or refinance with renovation funds into one loan
Allows you to fund home improvements upfront while managing with one payment
Renovation funds are distributed based on completed work

FHA Purchase

Purchase
Requires as little as 3.5% down
Backed by FHA, offering more flexible qualification
Usable for primary residences only

FHA Streamline Refinance

Refinance
Simplified refinance option for existing FHA borrowers
Typically requires no new appraisal or full income documentation
Designed to lower interest rate or monthly payments

Looking for more specialized programs?

View All Loan Programs →

What Our Clients Say

Real stories from satisfied homeowners who trusted us with their mortgage needs.

Flawless and efficient experience… Anthony guided me start to finish, attention to detail, goes above and beyond… highly recommend.

DD
D D
Satisfied Client

Thought I'd hate the loan process, but Anthony, Jessica & Makeda made it fun… made building a house possible.

TG
Tyler Geer
Construction Loan Client

Sought a commercial loan—excellent decision. Anthony Marino & team were professional, patient, and did everything to make it happen… highly recommend.

PU
PAELLA UNO
Commercial Client

VA loan, average income/credit—process was welcoming and simple… closed in 11 days… eternally grateful.

JP
Jordan Prieto
VA Loan Client

The impossible became possible… amazing team. God bless this company!

CG
Cesar Gil
Satisfied Client

Great experience with Anthony & Jim—felt comfortable, all questions answered, best loan… highly recommend.

ABDA
Alison Brungart de Almeida
Satisfied Client

Highly recommend—true professionals. Closed easily, explained every step… made me feel comfortable.

TT
Tuan T
Satisfied Client

Best in the business. Sent 20+ clients—all satisfied… don't waste time elsewhere.

JB
Jon Benoit
Real Estate Professional

Easiest home purchase I've had—James was great… smooth from start to closing. Will use again.

S
SJB
Home Buyer

Anthony & Jim made my mortgage happen when others couldn't… better option and lower costs.

SH
Stacey Helmes
Satisfied Client

Most knowledgeable and helpful team… helped someone close in 3 days! Work with them once and you'll stick for life.

RB
Robert Barnowsky
Satisfied Client

Professional, efficient, transparent every step… I'll use Anthony again and refer family & friends.

TS
Tish Strasser
Satisfied Client

Jimmy helped with our first mortgage and refinance—excellent, competitive rates… explained everything.

BM
Brad Miller
Refinance Client

Compliments to Anthony (President) and to David & Carmine—extra time, professionalism, relentless effort…

SS
Selvan Simpson
Satisfied Client

Very professional; Anthony is a leader. Closed extremely quickly thanks to Jim… if you want the best, use MLL.

DR
Don Rubin
Satisfied Client

Referred by our realtor—Greg was amazing, stayed on top of docs with quick turnaround…

AG
Alyssa G
Satisfied Client

Team was available at all times, explained options in detail—professional, organized, friendly…

VM
Vanessa Medina
Satisfied Client

Got the best loan & rate with fast approval—Anthony & James are super professional… they get deals closed.

VF
Vincent Ferrara
Satisfied Client

Approved for a great loan—Katalin and team made it easy… highly suggest MLL.

JM
Jon Mcbay
Satisfied Client

Wonderful to work with—seamless process. Anthony watches rates and advises when to restructure… the best.

MH
Mark Hanson
Satisfied Client

Got us through VA hurdles in record time… even completed a second loan quickly after a career change.

SA
Stacy Adams
VA Loan Client

Flawless and efficient experience… Anthony guided me start to finish, attention to detail, goes above and beyond… highly recommend.

DD
D D
Satisfied Client

Thought I'd hate the loan process, but Anthony, Jessica & Makeda made it fun… made building a house possible.

TG
Tyler Geer
Construction Loan Client

Sought a commercial loan—excellent decision. Anthony Marino & team were professional, patient, and did everything to make it happen… highly recommend.

PU
PAELLA UNO
Commercial Client

VA loan, average income/credit—process was welcoming and simple… closed in 11 days… eternally grateful.

JP
Jordan Prieto
VA Loan Client

The impossible became possible… amazing team. God bless this company!

CG
Cesar Gil
Satisfied Client

Great experience with Anthony & Jim—felt comfortable, all questions answered, best loan… highly recommend.

ABDA
Alison Brungart de Almeida
Satisfied Client

Highly recommend—true professionals. Closed easily, explained every step… made me feel comfortable.

TT
Tuan T
Satisfied Client

Best in the business. Sent 20+ clients—all satisfied… don't waste time elsewhere.

JB
Jon Benoit
Real Estate Professional

Easiest home purchase I've had—James was great… smooth from start to closing. Will use again.

S
SJB
Home Buyer

Anthony & Jim made my mortgage happen when others couldn't… better option and lower costs.

SH
Stacey Helmes
Satisfied Client

Most knowledgeable and helpful team… helped someone close in 3 days! Work with them once and you'll stick for life.

RB
Robert Barnowsky
Satisfied Client

Professional, efficient, transparent every step… I'll use Anthony again and refer family & friends.

TS
Tish Strasser
Satisfied Client

Jimmy helped with our first mortgage and refinance—excellent, competitive rates… explained everything.

BM
Brad Miller
Refinance Client

Compliments to Anthony (President) and to David & Carmine—extra time, professionalism, relentless effort…

SS
Selvan Simpson
Satisfied Client

Very professional; Anthony is a leader. Closed extremely quickly thanks to Jim… if you want the best, use MLL.

DR
Don Rubin
Satisfied Client

Referred by our realtor—Greg was amazing, stayed on top of docs with quick turnaround…

AG
Alyssa G
Satisfied Client

Team was available at all times, explained options in detail—professional, organized, friendly…

VM
Vanessa Medina
Satisfied Client

Got the best loan & rate with fast approval—Anthony & James are super professional… they get deals closed.

VF
Vincent Ferrara
Satisfied Client

Approved for a great loan—Katalin and team made it easy… highly suggest MLL.

JM
Jon Mcbay
Satisfied Client

Wonderful to work with—seamless process. Anthony watches rates and advises when to restructure… the best.

MH
Mark Hanson
Satisfied Client

Got us through VA hurdles in record time… even completed a second loan quickly after a career change.

SA
Stacy Adams
VA Loan Client

Flawless and efficient experience… Anthony guided me start to finish, attention to detail, goes above and beyond… highly recommend.

DD
D D
Satisfied Client

Thought I'd hate the loan process, but Anthony, Jessica & Makeda made it fun… made building a house possible.

TG
Tyler Geer
Construction Loan Client

Sought a commercial loan—excellent decision. Anthony Marino & team were professional, patient, and did everything to make it happen… highly recommend.

PU
PAELLA UNO
Commercial Client

VA loan, average income/credit—process was welcoming and simple… closed in 11 days… eternally grateful.

JP
Jordan Prieto
VA Loan Client

The impossible became possible… amazing team. God bless this company!

CG
Cesar Gil
Satisfied Client

Great experience with Anthony & Jim—felt comfortable, all questions answered, best loan… highly recommend.

ABDA
Alison Brungart de Almeida
Satisfied Client

Highly recommend—true professionals. Closed easily, explained every step… made me feel comfortable.

TT
Tuan T
Satisfied Client

Best in the business. Sent 20+ clients—all satisfied… don't waste time elsewhere.

JB
Jon Benoit
Real Estate Professional

Easiest home purchase I've had—James was great… smooth from start to closing. Will use again.

S
SJB
Home Buyer

Anthony & Jim made my mortgage happen when others couldn't… better option and lower costs.

SH
Stacey Helmes
Satisfied Client

Most knowledgeable and helpful team… helped someone close in 3 days! Work with them once and you'll stick for life.

RB
Robert Barnowsky
Satisfied Client

Professional, efficient, transparent every step… I'll use Anthony again and refer family & friends.

TS
Tish Strasser
Satisfied Client

Jimmy helped with our first mortgage and refinance—excellent, competitive rates… explained everything.

BM
Brad Miller
Refinance Client

Compliments to Anthony (President) and to David & Carmine—extra time, professionalism, relentless effort…

SS
Selvan Simpson
Satisfied Client

Very professional; Anthony is a leader. Closed extremely quickly thanks to Jim… if you want the best, use MLL.

DR
Don Rubin
Satisfied Client

Referred by our realtor—Greg was amazing, stayed on top of docs with quick turnaround…

AG
Alyssa G
Satisfied Client

Team was available at all times, explained options in detail—professional, organized, friendly…

VM
Vanessa Medina
Satisfied Client

Got the best loan & rate with fast approval—Anthony & James are super professional… they get deals closed.

VF
Vincent Ferrara
Satisfied Client

Approved for a great loan—Katalin and team made it easy… highly suggest MLL.

JM
Jon Mcbay
Satisfied Client

Wonderful to work with—seamless process. Anthony watches rates and advises when to restructure… the best.

MH
Mark Hanson
Satisfied Client

Got us through VA hurdles in record time… even completed a second loan quickly after a career change.

SA
Stacy Adams
VA Loan Client

Mortgage ran smoothly—Jim & Chelsea helped so much and keep helping when needed.

JD
Jennifer DaSilva
Satisfied Client

Class full‑service outfit—7+ years, numerous deals… saved me $3K on title insurance; timely follow‑up and closing.

RF
Rocco Falcomato
Repeat Client

Refinanced—exceptional experience; professional and willing to help… took great care of us.

MR
Melissa Rivera
Refinance Client

Amazing to work with—Anthony & Jim made my mortgage happen as promised… highly recommend!

TM
Tanya Maria
Satisfied Client

Excellent customer service—we couldn't be happier. Highly recommend.

JL
Jeannine Lameda
Satisfied Client

Experienced, helpful, courteous, communicative… did all the heavy lifting.

1
1withsocial
Satisfied Client

Highly recommend—Carmine & Anthony helped me own my townhouse… went above and beyond.

P
Patricia
Home Buyer

First investment property—team made the process simple.

RH
Ryan Hadley
Real Estate Investor

Great, fast, reliable service—thanks for helping me become a first‑time homeowner!

MK
Melanie Kamburian
First Time Homebuyer

Very courteous and professional—guided and kept me informed every step.

OG
Oniel Gardner
Satisfied Client

Great experience—fast, efficient, thorough. Recommend.

TT
Tripp Taylor
Satisfied Client

Thank you for making this loan possible.

MB
Marsha Balliram
Satisfied Client

Excellent—recommend 100%. Thank you Anthony & James.

ES
Elianne Said
Real Estate Professional

Recommend MLL to anyone seeking their dream home… agents work tirelessly. Thanks to Jessica, Anthony & Jim for going the extra mile.

SA
Susan Angus
Home Buyer

James & Daniel put in loads of work—made our refinance happen. Thank you!

ZA
Zee Archer
Refinance Client

Anthony is phenomenal—very knowledgeable and goes above and beyond. Highly recommend.

KR
Karissa Rice
Satisfied Client

Used MLL for purchase and refinance—easy to work with, listens to what matters… couldn't recommend more.

CH
Caroline Hall
Refinance Client

Awesome, professional service—they get it done. Highly recommended.

EP
Edward Pearson
Satisfied Client

Anthony made the mortgage process seamless—deal done quickly; extremely happy.

ES
Eduardo Silva
Satisfied Client

Anthony and team are professional, honest, and get the job done—highly recommend.

CC
Claire Ceballos
Satisfied Client

Mortgage ran smoothly—Jim & Chelsea helped so much and keep helping when needed.

JD
Jennifer DaSilva
Satisfied Client

Class full‑service outfit—7+ years, numerous deals… saved me $3K on title insurance; timely follow‑up and closing.

RF
Rocco Falcomato
Repeat Client

Refinanced—exceptional experience; professional and willing to help… took great care of us.

MR
Melissa Rivera
Refinance Client

Amazing to work with—Anthony & Jim made my mortgage happen as promised… highly recommend!

TM
Tanya Maria
Satisfied Client

Excellent customer service—we couldn't be happier. Highly recommend.

JL
Jeannine Lameda
Satisfied Client

Experienced, helpful, courteous, communicative… did all the heavy lifting.

1
1withsocial
Satisfied Client

Highly recommend—Carmine & Anthony helped me own my townhouse… went above and beyond.

P
Patricia
Home Buyer

First investment property—team made the process simple.

RH
Ryan Hadley
Real Estate Investor

Great, fast, reliable service—thanks for helping me become a first‑time homeowner!

MK
Melanie Kamburian
First Time Homebuyer

Very courteous and professional—guided and kept me informed every step.

OG
Oniel Gardner
Satisfied Client

Great experience—fast, efficient, thorough. Recommend.

TT
Tripp Taylor
Satisfied Client

Thank you for making this loan possible.

MB
Marsha Balliram
Satisfied Client

Excellent—recommend 100%. Thank you Anthony & James.

ES
Elianne Said
Real Estate Professional

Recommend MLL to anyone seeking their dream home… agents work tirelessly. Thanks to Jessica, Anthony & Jim for going the extra mile.

SA
Susan Angus
Home Buyer

James & Daniel put in loads of work—made our refinance happen. Thank you!

ZA
Zee Archer
Refinance Client

Anthony is phenomenal—very knowledgeable and goes above and beyond. Highly recommend.

KR
Karissa Rice
Satisfied Client

Used MLL for purchase and refinance—easy to work with, listens to what matters… couldn't recommend more.

CH
Caroline Hall
Refinance Client

Awesome, professional service—they get it done. Highly recommended.

EP
Edward Pearson
Satisfied Client

Anthony made the mortgage process seamless—deal done quickly; extremely happy.

ES
Eduardo Silva
Satisfied Client

Anthony and team are professional, honest, and get the job done—highly recommend.

CC
Claire Ceballos
Satisfied Client

Mortgage ran smoothly—Jim & Chelsea helped so much and keep helping when needed.

JD
Jennifer DaSilva
Satisfied Client

Class full‑service outfit—7+ years, numerous deals… saved me $3K on title insurance; timely follow‑up and closing.

RF
Rocco Falcomato
Repeat Client

Refinanced—exceptional experience; professional and willing to help… took great care of us.

MR
Melissa Rivera
Refinance Client

Amazing to work with—Anthony & Jim made my mortgage happen as promised… highly recommend!

TM
Tanya Maria
Satisfied Client

Excellent customer service—we couldn't be happier. Highly recommend.

JL
Jeannine Lameda
Satisfied Client

Experienced, helpful, courteous, communicative… did all the heavy lifting.

1
1withsocial
Satisfied Client

Highly recommend—Carmine & Anthony helped me own my townhouse… went above and beyond.

P
Patricia
Home Buyer

First investment property—team made the process simple.

RH
Ryan Hadley
Real Estate Investor

Great, fast, reliable service—thanks for helping me become a first‑time homeowner!

MK
Melanie Kamburian
First Time Homebuyer

Very courteous and professional—guided and kept me informed every step.

OG
Oniel Gardner
Satisfied Client

Great experience—fast, efficient, thorough. Recommend.

TT
Tripp Taylor
Satisfied Client

Thank you for making this loan possible.

MB
Marsha Balliram
Satisfied Client

Excellent—recommend 100%. Thank you Anthony & James.

ES
Elianne Said
Real Estate Professional

Recommend MLL to anyone seeking their dream home… agents work tirelessly. Thanks to Jessica, Anthony & Jim for going the extra mile.

SA
Susan Angus
Home Buyer

James & Daniel put in loads of work—made our refinance happen. Thank you!

ZA
Zee Archer
Refinance Client

Anthony is phenomenal—very knowledgeable and goes above and beyond. Highly recommend.

KR
Karissa Rice
Satisfied Client

Used MLL for purchase and refinance—easy to work with, listens to what matters… couldn't recommend more.

CH
Caroline Hall
Refinance Client

Awesome, professional service—they get it done. Highly recommended.

EP
Edward Pearson
Satisfied Client

Anthony made the mortgage process seamless—deal done quickly; extremely happy.

ES
Eduardo Silva
Satisfied Client

Anthony and team are professional, honest, and get the job done—highly recommend.

CC
Claire Ceballos
Satisfied Client
30-Day Process

Here's what you can accomplish withMy Liberty Loansin just30 days.

TodayStep 1 of 3

Get Pre-Approved

Know your buying power in 24 hours

  • Submit your application online
  • Upload required documents
  • Receive pre-approval letter
Day 5Step 2 of 3

Get Searching

Find your perfect home faster

  • Shop with confidence
  • Make competitive offers
  • Work with trusted agents
Day 30Step 3 of 3

Get Your Keys

Close with confidence

  • Complete final underwriting
  • Schedule closing
  • Move into your new home
Trusted Partner in thousands of successful closings
Start Your Application
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