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Loan Programs

Here at Liberty Home Mortgages LLC, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it!

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What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Rating

5.0

208 reviews

I couldn’t be happier with the outstanding service James and his team provided during my recent home purchase. This was my second time working with them, and once again, they exceeded every expectation. Their patience, knowledge, and professionalism were ...

I couldn’t be happier with the outstanding service James and his team provided during my recent home purchase. This was my second time working with them, and once again, they exceeded every expectation. Their patience, knowledge, and professionalism were phenomenal. They guided me through every step of the process, making a potentially stressful experience completely smooth and seamless. James’s team was always responsive and went above and beyond to address any concerns I had. If you're looking for a loan officer who truly cares and delivers exceptional results, I highly recommend James and his team. Thank you again!

6 days ago

Posted on Google

James and Team were absolutely wonderful in assisting my husband and I when purchasing our first home. James helped keep us informed and educated us every step of the way. Would absolutely recommend them to anyone! —Maggie & Austin

James and Team were absolutely wonderful in assisting my husband and I when purchasing our first home. James helped keep us informed and educated us every step of the way. Would absolutely recommend them to anyone! —Maggie & Austin

1 week ago

Posted on Google

James and his team were absolutely wonderful to work with. As a first time home buyer my wife and I had a lot of questions and James worked closely with us and made the whole process easier! 10/10 would recommend and work with them again in the future!

James and his team were absolutely wonderful to work with. As a first time home buyer my wife and I had a lot of questions and James worked closely with us and made the whole process easier! 10/10 would recommend and work with them again in the future!

Matthew Bulthuis

2 weeks ago

Posted on Google

Being a small business owner trying to refinance your home in the middle of a pandemic is not easy. What the banks put small business owners through is ridiculous. I am typically easy to work with but what should have been an easy process became very di ...

Being a small business owner trying to refinance your home in the middle of a pandemic is not easy. What the banks put small business owners through is ridiculous. I am typically easy to work with but what should have been an easy process became very difficult, but James was an effective mediator between us and the banks. I expressed my frustration several times and James took it like a champ. 😊 He is understanding and kind in his responses and always diffused the situation. James is a very good communicator and kept us in the loop through the whole process. I was very thankful for the assistance he provided. Update 10/13/2024. The review above was from 2020. Here we are 4 years later and we just closed on a second home. James and his team delivered the same great service. Everything was quick and easy! Thanks Team James!!

3 weeks ago

Posted on Google

Excellent experience with James . Stayed in contact with me for over 6 months while selling my previous house . Loan process was quick . Fast Closing . Will use again soon

Excellent experience with James . Stayed in contact with me for over 6 months while selling my previous house . Loan process was quick . Fast Closing . Will use again soon

1 month ago

Posted on Google

James and his team at Liberty Home Mortgages are top notch! I wanted to make an offer on a home over a weekend and needed a pre-approval letter. James got back to me immediately on a Saturday and helped put me in a position to get the home I wanted. The ...

James and his team at Liberty Home Mortgages are top notch! I wanted to make an offer on a home over a weekend and needed a pre-approval letter. James got back to me immediately on a Saturday and helped put me in a position to get the home I wanted. They are quick to respond to any questions and extremely thorough and friendly. I highly recommend them to anyone needing a mortgage!!

3 months ago

Posted on Google

James and his Team were fantastic to work with. They went above and beyond to get me what ai needed and close quickly. I would recommend James for any of your mortgage needs!!

James and his Team were fantastic to work with. They went above and beyond to get me what ai needed and close quickly. I would recommend James for any of your mortgage needs!!

3 months ago

Posted on Google

Working with Liberty and James Willard's Team was quick and easy! We have bought multiple homes through different lenders, none compare to how smooth and simple it was to work with James and Frances with LHM! I will definitely use Liberty for all my len ...

Working with Liberty and James Willard's Team was quick and easy! We have bought multiple homes through different lenders, none compare to how smooth and simple it was to work with James and Frances with LHM! I will definitely use Liberty for all my lending needs in the future :)

3 months ago

Posted on Google

James was beyond helpful and a pleasure to work with during the entire home buying process.

James was beyond helpful and a pleasure to work with during the entire home buying process.

6 months ago

Posted on Google

James was very helpful throughout the whole home buying process. I asked him many questions and he did not hesitate to walk me through everything in detail on the phone and get us the best rate. Our agent recommended him and we could not have been happier ...

James was very helpful throughout the whole home buying process. I asked him many questions and he did not hesitate to walk me through everything in detail on the phone and get us the best rate. Our agent recommended him and we could not have been happier with our choice!

7 months ago

Posted on Google

We found James based in a recommendation from our Agent. I was talkink to many different people to get the best quote. James and his team always had time to answer any question and to explain very clear all the process. We decided to work with them due to ...

We found James based in a recommendation from our Agent. I was talkink to many different people to get the best quote. James and his team always had time to answer any question and to explain very clear all the process. We decided to work with them due to they were able to offer the best rate comparing between 4 differents. The decision was the best we did also after we started working with him. His team was also amazing, they were also very responsive. The original numbers were offered were very accurate and the end of the closing. I absolutely recommend working with James and his team.

9 months ago

Posted on Google

James is without a doubt amazing!! We have used James in several home buying processes throughout the past 10 years. He is our go to mortgage guru!! His knowledge and professionalism is off the charts! His team is amazing and he has always been availa ...

James is without a doubt amazing!! We have used James in several home buying processes throughout the past 10 years. He is our go to mortgage guru!! His knowledge and professionalism is off the charts! His team is amazing and he has always been available to answer questions. Providing exceptional service truly sets them apart. If you're looking to buy a home, I wholeheartedly suggest reaching out to James at Liberty Home Mortgages they are simply the best in the business. Thank you for always making our home buying experience a fantastic one! Melissa & Leigh

10 months ago

Posted on Google

UPDATE 9-8-23- Second time was even better than the first!! The speed of approval to close was mind-blowing (@3 weeks)!!! Still highly referred and PREFERRED. James and team will always be my first choice for mortgages. I was referred to James by a very g ...

UPDATE 9-8-23- Second time was even better than the first!! The speed of approval to close was mind-blowing (@3 weeks)!!! Still highly referred and PREFERRED. James and team will always be my first choice for mortgages. I was referred to James by a very good friend of mine who raved about the service - and now I can see why! I will recommend James and Liberty Home Mortgage to ANYONE I come across needing a mortgage or refinance!! James and his Team are quick to respond to any questions and handle any issues that may arise. They helped me refinance my home and remained in constant contact throughout the event. It was the EASIEST and FASTEST process I've gone through for mortgages. HIGHLY recommended!

1 year ago

Posted on Google

We, my wife and I, highly recommend James and his team. We prayed for our dream home for almost a year. James and his team helped us work on things we needed to work on and once we were ready to buy, it took one month from the beginning to closing date ...

We, my wife and I, highly recommend James and his team. We prayed for our dream home for almost a year. James and his team helped us work on things we needed to work on and once we were ready to buy, it took one month from the beginning to closing date. Team James made this process very smooth, exciting, and our out come was more than we ever expected. James and his team along with our realtor's Page and Blaise worked for us. Thank you all for making this an amazing experience!!

1 year ago

Posted on Google

I just had the pleasure of working with James and team for our home mortgage. Without hesitation, I'd like to highly recommend them. They provided great service, competitive rates, and proactively guided us through the whole process that went super smooth ...

I just had the pleasure of working with James and team for our home mortgage. Without hesitation, I'd like to highly recommend them. They provided great service, competitive rates, and proactively guided us through the whole process that went super smooth. James' communication is top notch and prompt. We always received information on the next steps and what was expected of us. Our closing window was short but James, Frances, and Laurel worked hard to make sure everything was in place to get the mortgage approval and we closed on time. Thank you!

1 year ago

Posted on Google

We had the absolute best experience with James and his team at Liberty Home Mortgages. Our closing was able to be moved up because of their attention to detail and quick action. Everything was very simple and explained clearly. There is no need to look el ...

We had the absolute best experience with James and his team at Liberty Home Mortgages. Our closing was able to be moved up because of their attention to detail and quick action. Everything was very simple and explained clearly. There is no need to look elsewhere. This team is the best!

1 year ago

Posted on Google

Fantastic experience using Liberty Home Mortgages! I highly recommend James and his entire team. They were responsive, provided great advice, and offered the best rate I could find. I also found James to be totally trustworthy and reliable. In fact, when ...

Fantastic experience using Liberty Home Mortgages! I highly recommend James and his entire team. They were responsive, provided great advice, and offered the best rate I could find. I also found James to be totally trustworthy and reliable. In fact, when we ran into an issue at the last minute and it was about to delay the closing (due to the seller’s attorney, not us 😅), it was James who stepped up, worked after hours, and found a solution to get it done on time.

1 year ago

Posted on Google

James and team are phenomenal! They make the entire home buying process quick and easy to understand! There was someone available to me for any and all questions. They made me feel like a valued customer!

James and team are phenomenal! They make the entire home buying process quick and easy to understand! There was someone available to me for any and all questions. They made me feel like a valued customer!

1 year ago

Posted on Google

James & his team are incredible to work with. They handled all the paperwork & stressful parts of buying a home and made it a breeze. Not a single hiccup throughout the entire process and got us to closing without missing a beat. I would recommend them to ...

James & his team are incredible to work with. They handled all the paperwork & stressful parts of buying a home and made it a breeze. Not a single hiccup throughout the entire process and got us to closing without missing a beat. I would recommend them to anybody looking for a mortgage broker!

Michael Intriago

2 years ago

Posted on Google

Superb experience with James and the entire team at Liberty Mortgage. Online process was well designed and easy to use. James and the team had prompt responses to every question I had along the way...this is who you want in your corner getting your deal ...

Superb experience with James and the entire team at Liberty Mortgage. Online process was well designed and easy to use. James and the team had prompt responses to every question I had along the way...this is who you want in your corner getting your deal done quickly and professionally. Very impressed!

2 years ago

Posted on Google

I can safely say this has been the most efficient, and easy home loan process I've ever done! James and his team are simply phenomenal and work around the clock to make the process as seamless as possible. They are mind blowingly fast and had us ready to ...

I can safely say this has been the most efficient, and easy home loan process I've ever done! James and his team are simply phenomenal and work around the clock to make the process as seamless as possible. They are mind blowingly fast and had us ready to close in less than 12 days from contract signing. There's no need to shop around, save yourself the hassle and use Liberty Home Mortgage!!

2 years ago

Posted on Google

Max Kallos and the team at Liberty Home Mortgages provided exceptional service from start to finish. They were on top of the closing process, professional, answered all my questions, and got me to the closing table in a short time frame. Would highly re ...

Max Kallos and the team at Liberty Home Mortgages provided exceptional service from start to finish. They were on top of the closing process, professional, answered all my questions, and got me to the closing table in a short time frame. Would highly recommend!

2 years ago

Posted on Google

2 years ago

Posted on Google

Max and his team have been phenomenal!!! I couldn’t ask for a better experience acquiring my home mortgage. He was excellent at communicating and answering all of my questions. I felt like he was always 5 steps ahead and made the whole process run smoothl ...

Max and his team have been phenomenal!!! I couldn’t ask for a better experience acquiring my home mortgage. He was excellent at communicating and answering all of my questions. I felt like he was always 5 steps ahead and made the whole process run smoothly. We were able to close in 21 days and I couldn’t be happier. Would definitely recommend Liberty Home Mortgages to everyone!

2 years ago

Posted on Google

James and Laurel were amazing and made the whole process very easy! They made everything easy to understand and always responded quickly.

James and Laurel were amazing and made the whole process very easy! They made everything easy to understand and always responded quickly.

Hailey Nicholls

2 years ago

Posted on Google

Would recommend anyone interested in buying a home to go through James Willard and Liberty Home Mortgages in ATL area. Even if you are a first-time home buyer (like myself), it was such a great experience. James and his team is very knowledgable and he wa ...

Would recommend anyone interested in buying a home to go through James Willard and Liberty Home Mortgages in ATL area. Even if you are a first-time home buyer (like myself), it was such a great experience. James and his team is very knowledgable and he was so accessible even on weekends, to help close our home. Without James' help I don't think we would have been able to win this home. Thank you for everything!

2 years ago

Posted on Google

Top notch professionals! I have used Max and the LHM team for two projects, last one just closed in August 2022. Both times the process could have not been better: Friendly, timely, accurate, knowledgeable, while also getting good rates. If you are lookin ...

Top notch professionals! I have used Max and the LHM team for two projects, last one just closed in August 2022. Both times the process could have not been better: Friendly, timely, accurate, knowledgeable, while also getting good rates. If you are looking for a lender who makes your life easy and does what they say they would do, look no further. I will use Max and team for all my upcoming projects, and recommend them without hesitation to any friends and family looking for mortgage services!

2 years ago

Posted on Google

Of all the lenders I initially reached out to, Liberty (James and team) exceeded my expectations by having great communication, quick responses to get approval, and was with me each step of the way ensuring a smooth closing. During the process when inter ...

Of all the lenders I initially reached out to, Liberty (James and team) exceeded my expectations by having great communication, quick responses to get approval, and was with me each step of the way ensuring a smooth closing. During the process when interest rates were rising, James worked and found me a lower rate. If you need a solid, friendly, and experienced team, Liberty (James and team) are fantastic.

2 years ago

Posted on Google

I worked with Max directly on purchasing my first home and I would gladly recommend him to friends and others wishing to make home purchases. He provided valuable insights on how to navigate buying amidst rising interest rates, he shopped us a good rate a ...

I worked with Max directly on purchasing my first home and I would gladly recommend him to friends and others wishing to make home purchases. He provided valuable insights on how to navigate buying amidst rising interest rates, he shopped us a good rate and he handled curveballs that came up during the buying process elegantly. Altogether a near flawless experience.

2 years ago

Posted on Google

Max Kallos and team were quick to respond, quick to educate, and quick to help me work through any issues during my home-buying and loan process. I appreciate their excellent attentiveness and customer service.

Max Kallos and team were quick to respond, quick to educate, and quick to help me work through any issues during my home-buying and loan process. I appreciate their excellent attentiveness and customer service.

2 years ago

Posted on Google

It was a pleasure working with Max and his team. Max responded to my questions in a timely manner always either via text messages or emails. He was also very patient as I changed my mind several times regarding which state to purchase the vacation home ...

It was a pleasure working with Max and his team. Max responded to my questions in a timely manner always either via text messages or emails. He was also very patient as I changed my mind several times regarding which state to purchase the vacation home due to changes in the market. Eventually I was able to purchase a property in Mineral Bluff, Georgia. Max was also flexible with the loan amounts as circumstances changed. The loan closed on time as promised as Max and his team worked diligently to ensure that everything was in place. I would recommend Max without any reservations.

2 years ago

Posted on Google

We financed our second home through Liberty Home Mortgages. James Willard was absolutely amazing. He was highly approachable through email, text, and phone! This was extremely important for us, especially considering that we are trying to buy our home fro ...

We financed our second home through Liberty Home Mortgages. James Willard was absolutely amazing. He was highly approachable through email, text, and phone! This was extremely important for us, especially considering that we are trying to buy our home from out of state. We would certainly recommend James and Liberty Home Mortgages to anyone who is looking to finance to buy a home in Georgia:)

2 years ago

Posted on Google

Max and his team were a pleasure to work with from start to finish. He helped my parents get a loan for their forever home, close to family. Max and his team worked through challenges behind the scenes and made us feel comfortable with the entire process. ...

Max and his team were a pleasure to work with from start to finish. He helped my parents get a loan for their forever home, close to family. Max and his team worked through challenges behind the scenes and made us feel comfortable with the entire process. Our case was fairly difficult with bumps on the road, but that did not stop Max from getting the job done. Overall, he is professional, kind, and trustworthy! We are so thankful for you guys!

Carolina Fernandes

2 years ago

Posted on Google

James has helped us refinance our mortgage on more than one occasion and has always been professional as well as extremely thorough. He often responds to requests or questions before I even ask, lol. His staff is equally amazing and together they make a g ...

James has helped us refinance our mortgage on more than one occasion and has always been professional as well as extremely thorough. He often responds to requests or questions before I even ask, lol. His staff is equally amazing and together they make a great team so the process is as simple and smooth as possible. I’ve been on his mailing list for years and he sends just enough so I don’t forget about him but not so much that I’m annoyed. His email earlier this year helped push me to start the refi process just ahead of a substantial rate hike which saved me thousands. If you’re looking for a mortgage broker to help you find the best outcome, James and his team are the best choice.

2 years ago

Posted on Google

I just purchased my first home and would highly recommend Max & team at Liberty to my friends and family. I can genuinely say they went above and beyond to accommodate me and my rapid 3-week closing. They were trustworthy, thorough and ALWAYS reachable. ...

I just purchased my first home and would highly recommend Max & team at Liberty to my friends and family. I can genuinely say they went above and beyond to accommodate me and my rapid 3-week closing. They were trustworthy, thorough and ALWAYS reachable. Five-star service.

2 years ago

Posted on Google

I've worked with a lot of lenders in my 14 years of real estate investing. They are the most stressful part of buying a property. Not Max. He closed quickly in the chaos of the 2022 real estate market. When hiccups arose, he was all over the problem. Nig ...

I've worked with a lot of lenders in my 14 years of real estate investing. They are the most stressful part of buying a property. Not Max. He closed quickly in the chaos of the 2022 real estate market. When hiccups arose, he was all over the problem. Night or day, weekday or weekend, he was there. He told me he could close this loan in less than 4 weeks and I assumed he (like most lenders) was lying. Especially since our businesses and income are unconventional and don't neatly fit into what a lender wants to see for documentation. He was not lying. We closed on time, Max went above and beyond and I sure do miss him now that I am closing another deal outside Georgia. If you have the opportunity, treat yourself to the world's smoothest, stress-free closing. Max for President.

2 years ago

Posted on Google

James and his entire team were fantastic to work with. This is my fourth home and it was the easiest to finance. I'm recommending Liberty Home to everyone I know.

James and his entire team were fantastic to work with. This is my fourth home and it was the easiest to finance. I'm recommending Liberty Home to everyone I know.

2 years ago

Posted on Google

Max and his team were amazing to work with! We initially went with another lender who stopped returning calls and were very unprofessional. We switched to Max and he saved the day for us by going above and beyond to get our loan approved in under two week ...

Max and his team were amazing to work with! We initially went with another lender who stopped returning calls and were very unprofessional. We switched to Max and he saved the day for us by going above and beyond to get our loan approved in under two weeks. Max was always available throughout the process, explaining everything and answering all our questions and worked to get the best rates for us. I highly recommend Max and his team - he is certainly one of the best!

2 years ago

Posted on Google

In my three real estate transactions, I’ve not found a lender as good as Max. My advice to anyone shopping for a loan is that you shop for the loan almost as much as you shop for the house. Don’t just go with the first loan offer you get. Well this was ...

In my three real estate transactions, I’ve not found a lender as good as Max. My advice to anyone shopping for a loan is that you shop for the loan almost as much as you shop for the house. Don’t just go with the first loan offer you get. Well this was the first time I ended up going with the first loan officer I contacted, even after shopping a bunch for other loans to compare him to. Wether you need speed that no one else can beat or a rate no one else can beat, Max is your guy. And great customer service with quick response times are frosting on the cake.

Sterling Snedigar

2 years ago

Posted on Google

James was so great to work with! He was VERY responsive throughout the entire process! I would 100% recommend using James!

James was so great to work with! He was VERY responsive throughout the entire process! I would 100% recommend using James!

2 years ago

Posted on Google

Very nice and super responsive. Also, all numbers in the estimate provided were updated and correct. I got another quote from a preferred lender and my experience with her was subpar. Would choose him all over again!!!

Very nice and super responsive. Also, all numbers in the estimate provided were updated and correct. I got another quote from a preferred lender and my experience with her was subpar. Would choose him all over again!!!

2 years ago

Posted on Google

This is the second time we've Liberty's services and I can't say how much I'm impressed with James and his team. They make process of financing almost seamless and timely. I really enjoyed using their services again and cannot recommend them enough. Thank ...

This is the second time we've Liberty's services and I can't say how much I'm impressed with James and his team. They make process of financing almost seamless and timely. I really enjoyed using their services again and cannot recommend them enough. Thank you so much again for making our refinancing a great experience!!

2 years ago

Posted on Google

Working with Liberty Home Mortgages was easy and pleasant. Communication was on point and the whole process went forward without any problems.

Working with Liberty Home Mortgages was easy and pleasant. Communication was on point and the whole process went forward without any problems.

2 years ago

Posted on Google

2nd review - Dec 2021 - I quoted several but went back to James and team again. Just completed a cash out refi only a year later. As before Liberty did me right. They are quick and efficient. 1st review - Sept 2020 - I was out of time when the seller ...

2nd review - Dec 2021 - I quoted several but went back to James and team again. Just completed a cash out refi only a year later. As before Liberty did me right. They are quick and efficient. 1st review - Sept 2020 - I was out of time when the seller finally came back to me to accept my offer so I was under a very tight deadline. I spoke to several lenders and none but James would even try to meet my deadline- it just couldn’t be done. James was the only one who thought he could meet it and he and his team did. The process was fast and easy, far more than I had expected from any lender. I will absolutely recommend James to friends and family!

2 years ago

Posted on Google

Can't say enough good things about James and his team at Liberty Home Mortgage. Great service, professional and responsive. The entire experience was a great one.

Can't say enough good things about James and his team at Liberty Home Mortgage. Great service, professional and responsive. The entire experience was a great one.

2 years ago

Posted on Google

Max and his team were amazing. They gave guidance along the home buying journey and we’re very responsive to my needs. I would highly recommend them for all your home buying needs.

Max and his team were amazing. They gave guidance along the home buying journey and we’re very responsive to my needs. I would highly recommend them for all your home buying needs.

2 years ago

Posted on Google

Max Kallos and his team were great to work with. Everything worked as planned. It was stressful to prep our house for the sale and buy at the same time, and Max was incredibly responsive with our many many inquiries. Rates and fees were very good and we c ...

Max Kallos and his team were great to work with. Everything worked as planned. It was stressful to prep our house for the sale and buy at the same time, and Max was incredibly responsive with our many many inquiries. Rates and fees were very good and we closed on time and very smoothly. Thanks Max!

2 years ago

Posted on Google

Max and his team are phenomenal to work with. This was our first time buying a home and Max made the experience very easy, returning calls and emails quickly and spending as much time as needed to explain the process to us. He has great attention to detai ...

Max and his team are phenomenal to work with. This was our first time buying a home and Max made the experience very easy, returning calls and emails quickly and spending as much time as needed to explain the process to us. He has great attention to detail and puts in the effort to get his clients the best deal possible. I highly recommend working with Max!

2 years ago

Posted on Google

James & team are GREAT! very responsive, quick and seamless! Being in the real estate business- it's great to have an amazing resource that I can count on!

James & team are GREAT! very responsive, quick and seamless! Being in the real estate business- it's great to have an amazing resource that I can count on!

2 years ago

Posted on Google

Max and his team were absolutely amazing to work with!! They were completely on top of everything throughout the entire process. Very smooth transaction with no worries at all. He was able to lock in a great rate, give a fast close, and quick appraisal. H ...

Max and his team were absolutely amazing to work with!! They were completely on top of everything throughout the entire process. Very smooth transaction with no worries at all. He was able to lock in a great rate, give a fast close, and quick appraisal. Highly recommend! One of the best lenders I’ve ever worked with! Thank you Max and Team!

Sheena Abramson

2 years ago

Posted on Google