Liberty Reverse Mortgage Reviews

During the process of obtaining my mortgage and renewing it, it was the same both times. I was a little taken aback by the people from HUD and the Notary Public. They insisted on going back through all the same questions that I had originally answered and they said it was just a bureaucracy, and I agree with them. I was in the corporate world for a good number of years and it didn't matter whether you got it done right so long as you went by the book. The original application took a month altogether. The folks at Liberty kept me informed at every step of the way. My experience with HUD, although it was time-consuming, was done by phone so that was convenient. But with the Notary Public, I signed 150 different pages of stuff and it was some of the unnecessary things, but I understand it.

Aside from Christopher, I also dealt with a young lady named Felicity and another lady that took over when Chris had to go on emergency leave, and both of them were excellent, too. In terms of the rate and terms of the reverse mortgage I received, I understand the expense that I had to go through, but there were some credits on there that I totally appreciated. Liberty granted me some credits and some of the fees were paid by them because I was a continuing customer and had gone through it before. I enjoyed it and it was so well received on my part.

Working with Liberty helped me a great deal with my retirement. I'm 88 years old and I'm battling cancer. I have a lot of medical bills now and that amount is helping me out. I am taking in advance to try to settle our credit card account and that's gonna take a load off me as well. Liberty has done their part well and I'm perfectly content with it. If anybody approaches me, I would recommend that they try to contact Christopher in particular because he was an excellent representative of their company, and I would tell them to go on and find out for themselves how great Liberty Home is.

I was given paperwork that's about six inches high over the years so that I could read and take a look at everything, and until we got to the end where we actually got a finished product, a lot was based on what the house would estimate for and various things like that for me to decide. Other than that, the rates are reasonable based on what we're doing. I hope that they don't go up a lot over the few years that I am still here and make it a little more difficult, but I expect the house to continue to increase in value and if my wife ever needs to get into bigger amounts of money, it's going to be worth a lot more than it is now if she needs it. I'm very pleased with how Liberty treated me and there weren't any hidden experiences or expenses that I had to deal with because everybody was upfront and very nice about everything.

I'm a civil engineer and I've been involved in FHA and had projects for the last 35 years. When I started through this process with Liberty, I had no idea that FHA was involved and I was really shocked by the amount of paperwork. Had I known it was an FHA mortgage, I would have known that the paperwork would be overwhelming because that is the way that whole system works. Nevertheless, the process was straightforward although we signed an awful lot of documents at closing. Also, as part of this process, we were asked to go through a counseling session on reverse mortgages and what they are. And when I first heard that, I thought it was a waste of my time. My experience with that and with continuing education are not the greatest things in the world, but the counseling session that we went through was very good and informative. I told Ron, our loan processing and originator guy, that I was really surprised about that.

The rates and terms were okay. We did some marginal shopping when we decided to go this route but we went with Ron because he had done some work with a friend of mine who was very happy with what Ron did and liked him a lot. The processing girls out in California were great as well. They called when they needed information and when I needed information in return, they responded very well. That was a long-distance relationship and it was kinda hard to make things work sometimes but they did a very good job. Overall, I like the way Liberty handled the whole situation. We closed the loan about a week ago today and we are supposed to get some documentation and some feedback about all the interests. I'm interested to see how that goes but I expect it will go as well as the whole processing thing did.

I think Liberty and the servicing were two different firms and Liberty's job is on the sales part. The reactions, responses, advice, letter, communications, correspondent, these are all excellent. But when it comes to like matters after the signature, it gets a bit slower. For instance, receiving and clearing the check took almost exactly 10 days. It took almost seven days for them to release the check and once we took the check to the bank, the bank said I need another six days to clear the check.

But about a year ago, Congress passed some legislation reducing the interest rate of the insurance that the federal government requires on reverse mortgages. It went from 5.25% to 4.75%. It turned out to be 0.5% depending on the amount of money that you are insuring. It can be a very small amount of money or it can be a big, significant amount of money. In my case, it turned out to be about $150 a month and I could use an extra $1,800 a year. A second reverse mortgage would cost about $800 to do the paperwork and I would have to go through all kinds of rigamarole again the second time around. But I figured I could get that money back in a little less than six months. After that, it’s all pure gravy and that was why I did the second reverse mortgage.

The Liberty staff has been there when I needed them and they have been excellent. They’ve been attentive, helpful, knowledgeable and courteous. Any time I had a question, I could call them and they would give me a helpful answer. They also stayed in touch with me and kept me aware of everything that was going on at all stages of the proceedings. I couldn’t have asked for a more responsive, more helpful situation so I’m very happy with everything. The rate is very good too. I get more moneys from my investments than what I would pay out on my interest.

Somebody said that a reverse mortgage doesn’t work on my behalf and that in the end, the company is the one that will own my property. I said, “Once I’m gone, who cares?” That’s where I’m at and I just want to understand that all the processes have been done properly. I received messages from one of my loan officers from time to time and the other one whom I had to deal to deal with most of the time answered my calls all the time. He was very helpful even though he told me that he was not in that department. Liberty cannot answer every phone call, but they still helped me.

From start to finish, it took about six weeks to do the application and underwriting. The process was a little longer but we could understand that much of what was going on was for our protection. Also, the rate was what we expected. In the end, Liberty has given us the resources to do some renovations and improvements to our house that we would not have been able to do previously.

Instead of answering my questions, they were leaving it on somebody else to do it. Then the people that the loan was turned over to sent me paperwork and told me that I didn’t have a loan with them. It was weird. They said they'd be sending me a welcoming package which I would get in a couple of days. But I still haven't gotten it. All I've gotten is information on the loan. And they turned around and even as I talked to them. They want my wife to give them permission for me to talk them. But I'm on the paperwork as a non-borrowing spouse so I don't know why I couldn't get the information.

The attorneys he was dealing with, however, didn’t know too. He said, ”We’ll tell them to find out because they have to know.” And they found out. The time in the wait was a little extensive, but we are going forward. I measured by results as well as time, but it was going in the right direction. Because of our age, the only thing we did was have a walk-in bathtub installed. Overall, I had a good experience with Liberty. If you need their service, it is worth having.

The first time I started with Liberty, things got confusing and I quit. I was gonna start all over again with another company but Liberty heard about it. And then they told me that they already got all my papers laid out and was only gonna take less time. However, the certificate of counseling already expired, and they said that all I had to do was to renew it. So, I went back to Liberty.

The person that I worked with throughout that process was fantastic. It was a lot of patience on their part because when they sent me something to answer, I took my time in answering it. Also, I felt good with their customer service. I had to go to city hall and get a deed to the house to have proof that I own the house. I told the young lady I was working with at that time that it was gonna take a little time to do that. And so she did that for me by way of the computer. I would recommend Liberty to a friend since they were very good and very helpful.

I spoke with a counselor and I had to go through the process of applying for a certificate, knowing what was involved with the reverse mortgage as well as the pros and cons of it. The loan officer I worked with was also very understanding and informative. I started out considering the reverse mortgage with the flex line of credit and a variable interest rate, and I questioned him a bit about going the other route. He openly talked about both types of the mortgage, listened very closely, understood what I was asking and answered in a very professional, polite and helpful manner. Staying in contact with them was very easy as well. It took about two months which was quick and I’m happy with the terms that Liberty gave me. It was what I was attempting to get and Liberty helped me accomplish my goal. In summary, I was very happy with the people, the treatment I received and the results that I achieved.

However, I had an issue with one of the reps that I was communicating with. I left her a message and she never bothered to call me back at the very end, which ticked me off. I wish she had returned the phone call and had said that she got my message. Another thing I got annoyed with was the process where I have to talk to someone and they'll explain to me the ins and outs of the program. It was a waste of time and money. I could've read up the stuff, and there was some literature that was sent.

More recently, I'm waiting for information on customer service regarding a welcome package that their guy told me about. I can't find their rep's card yet I want to call Liberty and say that I need $500. Although I feel they're not telling me enough and that they should give me the option of having access to the money, the people at Liberty are very nice and I would recommend this company.

I had filed for my social security and I got a pension from Boeing, but it was just enough to make the house payment with a little bit left over. So, I started out with a loan company and I didn't like working with them. They sell loans all the time and I really had a hard time understanding people and getting answers from them. I was looking at their website and I was gonna apply for a modification to lower the payment. I saw the thing on there for the company that did the reverse mortgage and I decided to click on it and it took me right to Liberty. I called them up and they were very helpful.

I was pretty leery about going in. I even called a friend of mine who had his house refinanced not too long ago. I talked to his loan guy because he said he was a real straight shooter. He told me as well that they are governed by Federal regulations. So, whoever I'll go with has gotta stick by those regulations. I needed to make sure they're not some fly by night. So, I checked Liberty out to make sure they were legit and they were. They were very straightforward and patient because I told the guy my mother died recently. I told them my main concern was I wanted to keep this house. I was afraid I wouldn't be able to afford everything even with my pension and my social security. I probably could have done things differently. I probably could have simply refinanced if I would have started doing it about six months earlier.

For my situation, I finally decided that doing a reverse mortgage was my best option because I found out that I don't have to stay with the reverse mortgage. If I decided to go back to work and if I wanted to refinance the house again, I could get back to the way it was. I'm not married, I don't have any kids and I only have a dog. So, I don't have anybody to leave anything to. If I decide to stay in here until I die, I can simply clear my head and figure out what I'm gonna do. And then 10 years from now, if I get married and I want to sell, I still have some equity build-up in the house. I paid 222 for the house and it was appraised at 570. I only owed $120,000-$130,000 on the house and I can always refinance it in a conventional mortgage again.

When I found out that time was getting short that I had to make a huge house payment because I was falling behind, they really got into gear. I have a truck and it had broken down, so they sent people out to the house and had me sign the papers. I didn't have to leave my house except to send stuff. They were very good and I really enjoyed working with them. Ron and Aliana were very helpful and were nice to talk to. The guy that I was working with for the most part was very professional and everyone I talked to there was professional, too. The reverse mortgage worked out for me and for the first time in a long time, I don't have to worry about anything as far as finances go. I can live in my house till I die, and I don't ever have to worry about making a payment again. It was a very positive experience and I really appreciated their help. Liberty was awesome.

Liberty told me to tell them what I wanted and that three days from then, they'll give it to me. I gave my blank check, a voided check from my account number, and I put it right into their account. Then, I got my bank statement the other day and I got $5,000. But there was a $20 charge for a wire transfer. I called my bank and asked what it was for. The bank rep said that Liberty usually charges for wire transfers and she didn't know why they would use wire transfer. I didn't know either. Liberty told me they'll get me what I want in three days, but it didn't come in three days. It was more like five and if they told me it would be that long, I wouldn't have cared less. I am gonna talk to Liberty about that. They pay me interest on the money that I'm not using at all and $20 eats up the interest.

The staff at Liberty was very good. The guy I worked with the most pushed things through. He is located in Northern Indiana, so we had some mutual things in common since I’m also from Indiana so it was easy to communicate. He kept in contact with me. He’d send me an email, text or phone call and and would tell me where we stood and where we were going. He helped me through everything in the right direction and got things accomplished a little quicker than it normally would have taken. The cost was a little expensive, but working with Liberty helped me with my budget, and it accomplished what I wanted to accomplish. I’ve already passed on Liberty's information to another person telling him that I found Liberty to be a good company to work with.

Liberty made the process of obtaining the mortgage very pleasant. The first person I spoke to, Liz, was awesome and everybody after that made the process so easy because it was confusing. Everybody was very patient and explained everything thoroughly, which was really helpful and made me feel very comfortable. They also knew what they were doing and I felt that I could trust them to help me make a decision. Even when we were in the waiting process of going through underwriting and approval, Liz called me in regular intervals just to keep me up to date on what was happening. The application and underwriting process took about three weeks and their rate and terms were great.

I was very impressed with Liberty. They were professional and detailed. Nowadays, people can't find that. Before the situation could come up and I would even know how to ask, they were already prepared for it and answered any questions I had. They were the best I've ever worked with and everything was good. We're happy and feel at ease that we decided to do a reverse mortgage with Liberty. And now that it's all finished, I still feel confident that we made the right decision.

The Liberty rep Ron seems to know everything much better than the previous rep. Whenever something came up, he would call me, while the previous one hardly ever got in touch with me. He would answer whatever I would question him on and if not, he would tell me to hold on, that he was gonna check with me and it would be the same day. He would either call me or leave me a message to call him back. I felt very comfortable with him. However, I’ve been trying to talk to him because I keep getting all these letter things for mortgage protection. I don't know why I need mortgage protection when I’m supposed to have the mortgage protection already. I had also asked him some questions on why they had withdrawn $1,800 and some in my checking account because they said they had made an error.

Liberty took a little over 60 days, and that was better than what I had gone through with AAG. The only thing I didn’t agree with was the appraisal because I had started at 350 and when Liberty took it over, it was at 325. Then at the end of the closing, it came down to 300. Not only that, but I had already had the repairs that were demanded by AAG. We had to paint and take out the sidings ‘cause they were worn out. They had me take off the rod iron and the bars on the windows ‘cause they didn’t have that automatic lock. I had to pay for all this and that cost me over $2,000.

Also, when I went with Liberty, Ron came out saying that he was gonna give me $5,000 cash, and he said, “The reason we do that is because we don’t want you to blow your money so fast.” I understand that, but $5,000 barely caught me up with the expenses. I haven’t even paid the guy for the repairs and I haven’t even paid my car off. Plus after going through everything, there were a lot of fees that I didn’t expect. I can see why Ron was trying to have me not take out so much, because he was telling me that they took out so much for the mortgage payment and the taxes.

The application process took a month and a half. It was a lot of paperwork but I still I understood. I had twice as much paperwork with another loan company that I was really frustrated with. But this one was a lot easier to go through. When I called and had questions or anything like that, they got right back to me. My original loan officer was great. She answered a lot of questions, walked me through the process, and she explained anything I didn’t understand. I also had to take that course online to see if I understood everything and everyone was very cooperative, very congenial. If I had any other questions at any time, someone has to take the call to all of them. They knew everything that I was asking, how to answer me, and they kept reminding me that at any point that I wanted to back out, I could.

The rates are also good. I know that I can draw on the money that is put on the side and all I have to do is fill out a form and get it over to where the account is. Though in the first year, there’s a limited amount of money I could draw on, I like the fact that while the money is in the account, it’s accruing interest higher than a bank. I also liked the idea that if anything happens to me, there is a year after I pass away that they have a chance to find people that will inherit whatever is left, whether to buy the property, to sell it, and all that. That was a big plus.

I would recommend Liberty to people in my situation who don’t understand what the process is. I've heard a lot of bad things that had happened to people in past years. Somebody I knew ran out of money and she was put out of her house. This to me meant very much, to be able to take care of myself and to do some things around the house that need repair.

Four days before signing, they asked me for my husband’s death certificate. In the meantime, we were moving and everything was packed. The certificate was in all the pods to be shipped out here so I couldn’t give the certificate to them within that period. I told them that I could give them the day he died and where he’s buried instead. But if they knew they needed one, they shouldn't have waited so long to ask for it. We went on and on about it and it was crazy. Other than that, the rates and terms of the reverse mortgage were fine. I had one before so I knew what to expect. And when it was over with, I took a deep sigh of relief, came home, and celebrated.

Right now, I would be getting a statement from them once a month unless something goes awry with house insurance that they need that I’ll have. And if anyone asks me about Liberty Home, I'd wish them all the best and hope they do well. I hope Liberty does well because after all, we’re all just trying to make a living when push comes to shove.

There was also an awful lot of paperwork that wasn’t necessary, but we got through it. Joanne, the loan officer, helped me a lot doing the paperwork because I’m not good with stuff like that. She explained everything and I felt really comfortable working with her. The interest rate was quite high but working with Liberty made life a lot easier. We're not getting behind on our bills anymore. We were happy and satisfied with Liberty. We had a good experience with them and everything went fine. If friends ask, they should go ahead with Liberty.

Everything was done through phone calls and online. It was an easy process. I was amazed by how much easier it was this time than when we bought the house. They emailed me forms to fill out and we filled them out and scanned them and sent them back. I also called them about it and they talked me through it. Then, when the notary came in, we did not have to go to them. They came to the house. And that was very nice. Then, their rates and terms were better than what we had before. And especially on the mortgage insurance, the rate itself was a little bit lower. I'm kicking myself for not doing it a year earlier where the rates were even better but we are satisfied with it.

We were impressed with the ease of working with the people at Liberty, their understanding, and their willingness to go get an answer and come back. Also, I was very comfortable with them and that was the biggest thing. They were always very quick to respond to my emails and questions, even on weekends and after hours. Nelda was the one we worked with and she was very quick, very helpful and I always got the feeling that if she did not know, she would say that and find out and get back to me.

It was three weeks from beginning to closing, which wasn't very long. We have reduced a little bit of money out of it to cover some expenses we have coming up because we don’t like having payments and bills and all without having to dip into what we have left for retirement and all. However, we think that HUD’s reverse mortgage consultation requirement that you have to do and we've had to pay $125 for is ridiculous. But that's something Liberty cannot do anything with.

We picked Liberty Home among other companies and their application process wasn't too difficult. It took us just a couple of weeks and we were a little bit slower than they would have liked, but we’re older. We talked to Eric, our loan officer, every day while we were doing the loan and he guided us through it. All of them at Liberty were super nice. We'd have one rep who would do one thing then somebody else would do a different thing for us. Also, we're from Oklahoma and they were in California, so we had to get on the same language terms and they were good about that. And when we didn't understand something, they would explain it to us. The rate of the mortgage was a bit high but we don't have the most perfect credit. So, we went with that and it was to our satisfaction. So far, the reverse mortgage is helping us get some things done and we would recommend Liberty Home.

I had two reps who called me from Liberty Home Equity. I like Howard, the first guy that I’ve talked to. He was very nice, very knowledgeable and very helpful. He was personable and easy to talk to. And then, I went through underwriting and talked to two other girls. I have signed paperwork and they sent me some paperwork to do. I had a bankruptcy which I informed Howard of and the reps wanted detailed information. I sent all the detailed information to them but they claimed they never got it and we went round and round about trying to find the paperwork. And then, I got to Peggy, the loan officer. She was very nice. At that time, I was frustrated and worn out. The process was very complicated. Nonetheless, we got through it and now they’re trying to send me over to someone and loan something. I’ve switched it over to them which is okay.

But when we did finish the loan, there was a need for a dishwasher and they were asking to put the dishwasher in and I was told it would be $1,000 of service. It’s up to me to go and find a dishwasher so I went to Lowe's. I was going to get the dishwasher, but it doesn’t make sense that they won’t pay for it until after an HUD rep comes out here and acknowledged that the dishwasher had been put in, which was absolutely absurd. So, if I had to do it over again, I wouldn’t do it. I would not recommend the reverse mortgage.

However, we got into a situation where we've been using the reverse mortgage to close the purchase on our house and we couldn’t get it closed because there were so many screw ups in terms of the paperwork and documents. For instance, they wanted our tax returns. We filed a joint tax return but they said they had to have a separate request for my wife and request for mine. And it's the same tax return. It's crazy. And then, when they sent it in and I signed it in one spot and we had to send it back overnight because it had to be signed in two spots. I had to sign mine and I had to sign hers and yet it was the same tax return.

And then, we have a company corporation and they didn’t ask us to sign anything and tried to get a copy of that. It got turned down. I told them that unless I signed something, they're gonna be turned down. But the lady I was talking to didn't understand that. So finally, she said, “We found that we have to get your signature.” And I told them that to begin with. So then we sent the overnight package. It has cost Liberty a lot of money sending all those overnight packages which were unnecessary. Also, I was really disappointed that I could not get the no closing cost when I came back. But we got it done and finally, we got our house closed. It was a long, painful process to wrap up. It took four months.

But, they're a great company and I would recommend them. I talked to a few companies and I felt that Liberty went through all the hard explanations and was a little more upfront about what it's gonna cost and everything. The rates were a little high but I know that they have to pay so much to the government and so forth.

I read some of the things lending providers had to offer and overall, I thought Liberty was going to be the one we needed to go to. So our solution was maybe to give a thought to reverse mortgage and speaking with Pete from Liberty Mutual gave us a good insight that it was probably what we should do. I talked to a few others that were in a similar business but I didn’t get the same type of response. That was the reason we picked Liberty. Pete was very helpful and he did an excellent job of laying out what we were looking for and he answered all our questions. He followed-up with paperwork that pretty much covered everything that we were dealing with directly with Liberty. I couldn’t have asked for anything more. They let us know that we were gonna have to speak to an HUD person. We had no idea that that would be something we’d have to do, but we had to be counseled by them. That was able to take place online so that wasn’t entirely on a phone conversation, which helped.

We started in January and it was basically completed in May. The process was lengthy which we figured it would be. I understood that. Anytime you borrow or make use of money, they have to know every detail of your life, and it’s time-consuming. We have quite a few years behind us that had to be accounted for. And so many legal things have taken place over the years as well.

We tried to give everything that they were looking for. There were several people that needed to have that information but each one of them was trying to do their very best to get the information they were looking for. They kept us informed of what they were looking for and did their best to explain it to us. Apparently, they have to deal with underwriters and each underwriter had a different thought. That's the way it looked to us. Still, I would recommend Liberty. The reverse mortgage has definitely put us in a different light. We had a substantial equity in the home and that’s gonna make our life simpler and easier. We are very pleased with that outcome.

Dan was fine and he was a gentleman. He’s been doing the reverse mortgage for a lot of years and I went through him, but then we had the person at Liberty, Feliz, and Dan had to go through her. It was a little time consuming, but it wasn’t that bad. I talked to Feliz for only thrice the whole time. The mortgage process was mostly all handled by Dan and he did a good job.

During the process for the reverse mortgage, they required some background information, what assets my mom had and general information. They went through the financials and gave options so it was a very open discussion which was a good thing. Liberty did a lot of the leg work for us and then laid out what the impact would be such as how the program works and specifically a little more detail in terms of how it would affect the siblings, of myself and living across at my mom's house, if there would be any equity or any value if we sold the house and paid Liberty off and if there would be any money remaining if something were to happen to her. They walked us through the whole process and it was a good experience.

The application process was very easy but the actual loan document and going through the notary was not. I was sitting there for five hours finding documents. That’s normal and it’s like buying a house. It’s the same process that you gotta go through but you have a lot of documents. The tech for Liberty handled everything for us and did a fabulous job. The application and underwriting process took a month and a half but here were a lot of dead times on our part for thinking through the process before committing. My mom was also a little concerned about going through it. So, there were delays but we committed to it and got it rolling. The documents were prepared, we reviewed them and approved them, and then it was all up to the notary coming in and signing documentation.

The loan officer was very humble and very kind to my mom in trying to reassure her that she made this decision and she’ll feel better. She also told her that she got some money coming so she may start to get some phone calls so she should not answer the phone. And that if she doesn’t understand the caller ID, let them leave a message. He also told her that she’s in her '80s and may not think clearly. She could be subject to agreeing upon things or giving her social security number or account number information to where it is not required nor is it needed. So he was very personable, which I really appreciate. After working with Liberty, my mother understands where she's at but there's still a little apprehension in terms of what I have done.

I went in online with what I thought our home's value was and went through the program to see what equity we would get out of it. We had six years of our mortgage left and I started calculating. If I don’t have to make the house payment, how would it help build our savings? We have excellent credit. We had all the numbers and we were all ready to talk because we keep a filing system. The process was very fast, smooth and streamlined. But there were a lot of papers to sign, which is to be anticipated when dealing with the government. Based on the other company I talked to, I was expecting it to run for 30 to 45 days. We started the process on May 1st and we ended up closing on May 18th.

All of the folks that work at Liberty made it easy. They were very friendly, professional and excellent to work with. When they said they were gonna call, they called and all the appointments were set up. The rates were good considering where the housing market is today. The value of our home came in at what I thought it would, which was good. The reverse mortgage has stabilized our financial situation and it has made our month to month a little bit smoother. Now, we’re a little bit stress-free. I would highly recommend Liberty.

Liberty came in and appraised our house at $15,000 less than AAG and Live Well's appraisal value. I live in a historic home and spent 40,000 on the house before they ever got here. The inspector came in and the work I did had to be inspected again. A second appraiser came in and he brought up all kinds of things the first appraiser didn’t complain about. He gave me a picture of one thing and I said that we can get it fixed. He then said that they want everything similar to the picture to be fixed. This house has 26 huge windows and they wanted the trim inside the crawl bar painted again.

Liberty came in and made the same complaint but they said I can have five windows done on the side and I agreed. This house is worth $175,000 and Liberty says it’s worth 160. Then, they took out $34,000 for paying my property taxes for the next ten years and my insurance. The other two companies weren’t gonna do that. I complained about that to Liberty and they were supposed to call me back today.

Also, Liberty gave me a loan officer who didn't communicate well to replace the first guy I talked to. All of a sudden, I got a call from another guy who was an appraiser asking if a certain day would be okay for me. I told the loan officer that I wasn't going to be home on the day the appraiser suggested. She then told me that she would have the appraiser come after I got back. Still, the appraiser called again saying that he wanted to come the next day when I wasn't going to be home.

There was also a time when the appraiser had to keep coming back to my place. He wanted to know about the shed and he also knew that there were a couple of places I was supposed to paint. Then he said that there were extra charges every time he has had to come over to my place and so what he wanted me to do was get everything done before he came. Still, I was left in the dark about what he was charging. So, I called the loan officer and told her that she better call me back. When she did, I asked her how much the appraiser was charging me and she said she didn't know. That was when I told her I didn't want to work with them anymore. Eventually, she got on the ball because I told her that. Thereafter, she got a hold of me right away and told me how much extra I was having to pay for two or three extra trips.

Also, Premier Reverse Closings, the people I close with, they sent me a text for $15 and it said “In connection with your recently closed transactions, enclosed you will find our check representing a recording fee refund. Also enclosed for your records is an amended final closing statement and/or closing statement reflecting the final recording charges. Should you have any questions, please do not hesitate to contact us at the number above.” This now means that I have to call them because though I'm in Michigan, they sent me the papers for some lady in Florida. She took a loan out for $124,000. I shouldn’t know that information. But then I know who that lady is and exactly where she lives.

Now, I got a feeling that she knows all about me now too. Somebody turned papers around and I’m kinda mad about that. I don't want my stuff going to anybody if it's none of their business. Nevertheless, the reverse mortgage is more or less like money in the bank to me. I get interest for leaving the money with Liberty. Once a year, I'm going to grab the interest and take it.

However, the underwriting and application process dragged on for a while because there were some things that they wanted to ask us to bring. At that time, we were already on the road, all of our things are packed so there were things that they could have asked us prior to leaving Georgia. Then, every time they want the DocuSign, the phone kept cooping out on my wife. If the phone was in good working order, then we were doing fine. But if it wasn't, it's very hard to get that DocuSign. You have to sign your name 40,000 times and every day, there are several DocuSigns you have to get on your computer and sign. Other than that, Liberty's interest rate is okay and normal and they didn't cheat us. Overall, while Liberty was great, the whole process of buying a house and reverse mortgage was very stressful. I'm glad that it's all finished and it was really nice to get done with it.

Liberty's salesman was very knowledgeable and he made beginning the process very easy. Also, Donell, their loan officer would explain things and if I needed anything or had a problem, he took care of it. However, the application and underwriting process took longer than I had expected. Towards the end, Liberty had to deal with the solar company, but I don't feel like they did it properly. They never got authorization from me and that's what the solar company's problem was.

I actually had to deal with the solar company to get it finished at the end with the processor. Still, I would just call the solar company and tell them what they needed, and it got done fairly quickly. However, Liberty continued to struggle for a couple of weeks before they ever notified me that there was an issue and that was a little disappointing. Also, I'm not happy with the cost though it seemed to be the right amount because the rates have gone up so much in the last few months. Still, for an online company, Liberty made the process really easy from the application to the end of the course.

Their online application was simple and straightforward. They got it all done within a month. All of their people were nice and they called and let me know what was going on. They were easy to work with and explained every step and also let me know my options, giving me several options how to do it and what to do. I kept being passed around but they were all nice. Now that I’ve worked with them, I have enough money to help continue fixing up my house and have a little money off to the side in case I have a trouble.

The loan officer of Liberty that I worked with did a fantastic job. He had all the records on my original loan so if questions came up, he could refer to those. And if he didn't have the answer out of that, he could call me and I could satisfy him right away. Liberty solved all of my problems without asking me. I told them to go ahead and complete the refi and to let me know what the settlement is going to be and to ship it off. And the settlement showed up within three days. Everything was fine as far as I'm concerned. I'm happy.

They're in Sacramento and the bank that was handling the escrow account is in Atlanta, Georgia. I'm in Phoenix and there is a clearing bank here that the money has to go through. So, there are four stops to wire the money: their bank, the Atlanta bank, the Clearview Bank in Phoenix and then my credit union. It’s a wire and it was supposed to go through almost immediately, in just a couple of hours. The fault was not with loan officer Chris or the two girls who were doing the processing. Apparently, somebody in the back end of the process was supposed to fund the account but didn’t. Liberty still has my $35,000 and I don't know what's going to happen next year when I go to ask for it. This problem should go to someone higher. But other than that, their application process was smooth and Chris was on top of the application process and I felt fine working with him.

My taxes in the county showed 4.1 acres where the house is and the company, we already had our mortgage with, took what the county tax office had. But Liberty wanted a whole new survey done and that was something I had to pay for out of my pocket. The surveyor did a very excellent job. Then, Liberty came up and said they wanted a legal description of the property. I told them that the guy did fill out a survey which tells exactly the location of the property. But they insisted that he should have written it out. So I went back to the county courthouse and asked them if the surveyor should've done that. And they said that I have to go to an attorney to draw that up. And then Liberty called the surveyor one day and told him that the loan wouldn't get any further and he wouldn't get any money because he was supposed to do a legal description.

Liberty had a legal attorney department out in California and they said they would just see if their attorneys could write the legal description up off of the records, and they eventually got one. And at that time, I got money out of some of these and I called the guy and told him that I now got the money to pay him. He then said that Liberty told him that he wasn't gonna get that money if he didn't get some kind of legal description. I showed the document to him and he said that he wrote that himself and sent it to Liberty. So they led me to believe that they did it through their attorneys in their company out in California. And things like that started popping up that I wasn't getting a true story on everything. And then when I had to do the appraisal and all of that, I had to pay extra, which took much money and weighed me down.

The loan representative was nice in talking to me, but he wanted to get this thing done so he could get some money. I had all the figures and the county tax records on it and all of that. And they kept telling me that it was guaranteed by the Federal Housing and all this stuff was coming from the federal side of the program. Also, They're all in the United States, but they're not just one location. This guy in California that I was working with, said that they all work in the same room, and this other girl, they kept giving me the name of, was right beside him but he had to send emails to her to communicate. So when I had to talk to that girl one day, I asked her where she was located, and she told me she was in Florida. Then a week or two later, I was talking to this same guy and he corrected himself and said she works out of her house in Florida.

I also did this financial counseling and it's in a place out in Michigan and the credit counseling staff with us was down in Florida. Then the loan servicing is done by Ocwen and their office is in Michigan. But my contact number to get a hold of Ocwen servicing was located somewhere in Florida. Liberty wanted to do the loan because they wouldn't be making money if they didn't do it. And they tried to save the property some legal place and they were double-checking it. But I should have gotten a little more money out of it than what I got 'cause I kept tuned-up to these little things that were taken away.

I did property tax appeals for 26 years, so I know a lot about mortgages and property. But I didn't understand reverse mortgages, and Liberty walked me through it. Their customer service was good, except we had some issues on the property tax. They were doing it based on California and I was in Arizona and it was totally different. So, we went round and round and finally worked it out. We had that one hiccup. Otherwise, it was fine. The rates and terms were fine, too. They were competitive with everybody else. Overall, Liberty was good to work with. I would recommend them to a friend.

Then they asked us for the house insurance. We also had to get central air and paint the house. It took a lot from us for them to approve the credit, but the credit was approved right away. Then the appraiser came and appraised the house. The people we worked with were very sweet, patient and loving. We had a counselor and she explained the whole thing. During the first year the interest was high, but the second year was at 4%, which is really reasonable. It was okay with us and we don’t have to pay it back until we sell the house or if we both die, they then sell the house and get paid. I love Liberty. Before we were done with everything, I recommended them to my sister.

Other than that, everyone at Liberty was great. Donnell was the person I talked to a lot and then I had other people. They were polite and they're on it. They worked with us and the process took almost a year. The rates and terms were fair. It's just like borrowing money to buy a home and I've been one of the fortunate ones that haven't had to borrow money for so many years. I'd tell others to go for Liberty..

With Nelda, it was as if I was already talking with a supervisor and it was as smooth as silk. She seemed very capable, responsible, and helpful. However, there were a couple of delays on our part, in helping our daughter since we travelled with her up to a summer job in Montana. And then, we had another delay so that was two delays on our part. Subtracting those, I would imagine the whole process took 30 to 40 days. Still, it was fairly fast and smooth. Overall, Liberty has impacted our lives for the better and we're happy with the terms of the reverse mortgage which was about good as one can get.

The rep, Eric, tried to accuse the lady rep for making a mistake. She called and spoke to the secretary of the bankruptcy department without permission. Also there were a number of things that they didn’t do. And when they said the loan was approved, I expected to see someone disclose it. I asked them three times and somebody was gonna do it each time but nobody ever disclosed the loan to us. However, Eric did his due diligence to try to get things corrected but people were not going through him. The whole process took two and a half months. I checked some other companies and the rates were a little higher.

You do get all your information from your lender prior to getting a customer to jump through loops getting this and getting that. That’s one thing that I learned when I was doing one of my companies when getting loans done. I’ve done UCC-1s, equity lines, home improvements, so I did a lot of different loans. I ascertained all the information I needed and put a list together and presented it to the customer and that would give them the ample time to get it together and not have to rush. I let them know that it was inappropriate to keep piecemealing me.

Overall, Liberty was fine to work with, but the problem was in getting them the paperwork that they wanted and needed, so the application and underwriting process took almost six months. Massachusetts has 120 days before the divorce is officially final and the lawyer that my wife was working with was not very good in getting the right paperwork. The rate went up in a month so I was unhappy. I was getting $25,000, which was less than I expected. People should make sure that they get all the proper paperwork that Liberty needs before they get into a meeting with Liberty.

We met up with Dan in Atlanta and he has been very helpful and honest with us. It’s going very well so far and we've made our first withdrawal a few days ago and it’s supposed to be in the bank today. I’m about to pay our house and some other things we need to do. Also, the application and underwriting process took quite a bit of time but I knew that it would. When Dan came out for the closing with the attorney, he was very knowledgeable and I could detect he was a good man that I trusted him.

I didn’t fully understand reverse mortgages and still not totally sure I understand them. My wife caught on to it and she really was behind it a lot more than I was. But I want to understand a little bit more about that. My expectation is that the amount left in our account will grow more than the amount we’re borrowing so I wanna confirm if that’s actually the case. But right now, I’m looking at some other things.

For one thing, when you’re on a fixed income, you want to at least keep up or offset inflation. I wanna make sure that we’re able to do that. We’ve been in this retirement mode for about eight months now and we’ve kept up with our spending habits for this first year. My son-in-law who is a financial planner himself said the first rule of being on a fixed income is that you gotta live within your needs. And so far, we have made this first eight months and we’re still pretty stable. And I’m hoping to see that that intuition into our account is made which will cover the cost of fixing our house up and catching a few back bills we’ve established in this last eight months or so.

They could improve by understanding that in the money lending business they have their own vocabulary, and a lot of people couldn’t understand it. And now I got this thick packet and I said, “What am I gonna do with it?” “Well, it’s just we routinely send that. You don’t need to pay any attention to it.” I honest to God had three inches of documents and papers that I went through my loan officer, David, and asked him if I need to keep those? He said no and that it was just all routinely sent out. Then they expect us to understand that I have a LOX and I have to go to HUD and get that taken care of by the deadline. We don’t understand that stuff but that was where David saved me because he promised me I could call him any time if I have questions. And I did. David said I got a good interest rate because of the things that we had to fight for from October to February. We got that in there and that was okay. I just have to trust him.

Another thing, they called me and wanted me to unfreeze our credit scores. Two years ago when they were having all this big scare, I went through three days of hell trying to get them all frozen, because of their unusual high call volume. I finally got them done so then the underwriters wanted me to open up or unfreeze my accounts so that they can see what my credit scores were. I asked them when they wanted me to do it, and they replied that it has to be as soon as possible. Somebody said it takes two or three days to get through to them to get it done. I asked them when do they want it unfrozen and they said to give them at least 24 hours. I asked them from when to when and they said that whenever I called them. I said, “Well, I’ve had to get them in three days.” “Well, then we have to know that.” It was unrealistic but I finally got that done too.

I’m not a happy camper but it was done. We finalized it, but now we’re waiting on something from Celink and when we were getting ready to close I had paid my personal property tax for the spring installment. But they didn’t know that, and they hadn’t gotten it cleared to the County Treasurer’s Office. I had sent it in six days before, but it was processed in Ohio and we’re in Indiana. They went ahead and took money out of my loan to pay my taxes of $1,100. They found out it was paid so then they put it back in some other pot. We’re gonna meet in two weeks to decide what to do with all that stuff that they should or shouldn’t have done.

First of all, at our age, things need to get a little bit simpler. Some of the things were a little bit hard to understand. I re-read them but, I had a guide to everything that's going on. The application took about two months. Also, my husband and I understood about the rates and the terms of the mortgage. There was only one hiccup that made me a little nervous.

Apparently, the gentleman we were working with at Liberty went with another company. We had made friends and so I felt comfortable calling him. I had talked to one of the girls that was underwriting. That made me nervous because someone had sold this area and I don't know then who was this person. I didn’t understand his name and he wasn’t on the phone that long. I wasn’t even sure what he was doing. I was not happy that he had all my information without me understanding it. So, when I told them, that's when we found out that the gentleman we had been working with was no longer with them, but the rep said it was okay.

Even so, the interaction with Katie, the loan officer, was great. She was friendly and willing to help. I was very comfortable working with her. We worried a lot about whether we were doing the right thing or the wrong thing. And it amounted down to about $25,000 that we owed. I was impressed with the way Liberty handled the evaluation. There is one thing that I do not like as well. We have been getting multiple offers of that life insurance thing. One day we got four and the day before we got one, all for the same thing. And with our loan, it was up to $300 plus and that was not right. Nevertheless, I have been convincing my best friend to do a mortgage with Liberty.

Initially, it was difficult for me to decide if this was a very good idea or not because I’m very unknowledgeable about mortgages. So, I was a little leery. But they explained things as well as they could. I had a pretty good communication with my loan officer, too. Her name was Peggy and she called me often enough to keep check on how I was doing on my end of things. But she was from California where they did things a little different there so, it took us a little bit to figure out what she needed from me and what I needed from her. She wanted to move forward with the loan process at all times but I was held up as well as the appraiser, so things kept getting delayed. And on the phone, it seemed like the hold-ups were granting on Peggy a little bit.

All in all, the reverse mortgage gives me security in knowing that if my planning failed or I didn’t plan well enough, then I've got something to fall back on. Liberty's service was good and I would tell my friends to check them out. But I'd tell them to be smart about getting a reverse mortgage. They should do a little bit of shopping around, understand what they’re getting into, and compare a couple of things as best as they can.

But, Howard was good. I started out with him and could explain stuff to me. He would tell me exactly what went on. In fact, he had been sitting right there at the end. He sent a sheet that said all in a bucket and told me how everything works. While I trusted him, I questioned the lady above him sometimes. Her name was Peggy. Overall, the five percent rate I received from Liberty was good and they stayed with me and got it to go through, unlike with others that just turned me down. But when it comes to impacting my life, working with them didn’t leave a good taste for the government. However, they're protecting me by making sure everything in the future is right.

Then, at the end, I had calls from the person that was winding it up and I didn’t know what was going on. After the qualification and the papers, I never understood what was gonna happen next. I did not realize that after you do the Liberty thing, you have service people that take over the loan and you deal with them. The rep could have really explained that stuff to me and I would have understood why these papers were coming from them. That end process needs to be expedited or cleaned up but otherwise, it went well and I would recommend Liberty.

The first time I talked to Mark from Liberty, he was very helpful and very nice. I can work with him. He was just wonderful. However, the application process had a lot of signing, about 50 pages. But I took it one step at a time so it was okay. And then, they sent me a pre-paid envelope that I had to send back and that was nice. The application process took about three months. There were things I had to get from the bank so it took a little bit. But it was okay and it was good. Any time I had a problem, I could call and Liberty would refer me to somebody else that was in charge. Every question I had was answered and it was easier for me to go on to the next step of the process. The guidance I got from Liberty was very good indeed.

Katie is in-charge now and she is very helpful as well. All the reps from Liberty would explain things to me because it was scary to give up your house, but it's just what I had to do. Also, I was satisfied with the rates. I don’t have to worry about losing my house and having to go to a facility as well. Lastly, if others ask me about Liberty, I'd recommend it to them.

The application process was alright. Liberty was able to get me what I needed where the other company could not. My loan officer was on top of everything too. She was also very honest and helpful, and if I had a question, she answered it for me. I'm fine with the rates as well. Whatever's left from my medical bills is just like a bonus. It's there in case I have an emergency.

I had money that had been in my account for two years but Liberty decided at the time that I couldn’t use those funds. They said I had to pay it all back into a home equity line of credit that I had borrowed from two years before. I was literally three seconds from writing a letter that told them to take the loan and shove it, when I got a phone call from Katie who told me that senior management decided to waive that requirement. But the stress that I went through was monumental. Not only was I enduring the fact that the buyer of my house had not pursued her funds and I didn’t have anything to close with, I also had to account for every single penny, no matter how old it was, with document after document after document. I probably gave the same information five times and still they required more documents.

Katie was very pleasant the whole way and was very understanding. She was there to be the insulation for the people that made the decisions but had no contact with human beings. It was almost as frustrating as drug companies deciding what drugs a doctor could prescribe. I was very dissatisfied with my experience and I would tell my friends not take a HUD loan no matter where they go.

However, I'm not thrilled with who they broker the mortgage to. The people who purchased the mortgage don't have a really high customer satisfaction rating, and I'm not satisfied that my mortgage ended up with them. Still, I would recommend Liberty. Working with them has made things so that I might be able to retire. They were very knowledgeable and they did what they said they would do.

Christine from Liberty was so much easier to deal with and so much nicer to talk to. She was so friendly and understanding. And also, I could understand what she was saying. I'm a long-time construction worker and sometimes, I don't understand these people's phone voices so well, and she was really easy to understand and to talk to. She was very patient with me when I asked her to repeat herself. On the other hand, I contacted three different companies and they refused to send the information packet to my post office box. They wanted to deliver it straight to my door. I said the mail doesn't come to my door. I live out in the country and I said it's so much easier, and they refused to do it. They they'll send a UPS and leave a package out in my front steps but they never did. And they never would put anything in writing.

I just make a call and tell how Liberty much I want and it will be direct deposited into my bank account. They came right to my door with a lot of the paperwork, so that was nice that I didn't have to go into Anchorage or somewhere. I'm happy with the rate and terms. When it was all said and done, it was a month. Liberty has given me peace of mind. This house I bought didn't have a garage. I'm gonna build a garage this spring and that's gonna drain my bank account when I build it. But I don't want to owe anybody a penny so I'm not gonna borrow any money. And so, it would be nice to have this nest egg there.

The house that we were looking to do the reverse mortgage on was given to my wife through a personal service contract from her 96-year-old mother. That deed had been recorded and filed as lien-free and I have the release of liens from people who've done some work on it. The title company now wants her doctor to give a statement that her mother was in her right mind,” which broke the camel’s back. I told Peggy, “Please pass on to them. I'm not doing that. First of all, her doctor is a general internist. He's not gonna give a psychiatric statement. I'm not going to go to the attorney.” In fact, we were at the attorney for a different reason. I told the attorney and the attorney says, “We'll sue them. What that is implying is that we let her sign a personal service contract when she wasn’t in her right mind. We are her attorneys.”

So I told Peggy, “We're not doing it. Just forget it. We'll go to someplace else.” Then she called back either later that day or the next day and said, “I talked to the title company and they said, ‘Okay. Don’t bother. Forget it. Everything is approved.’” The title company wanted to see a copy of the trust fund that my mother-in-law has set up or owned and my wife is one of the executors or administrators of the trust fund. The attorney was livid about that and he said that personal service contract was none of their business. That is done for Medicaid purposes.

The title company said that they needed to go further than that and that they wouldn't accept that because of the personal service. It was one thing after another. We had to get affidavits done and then other things as well. It had been dragging the loan up for almost two months. Finally, we got everything they wanted. The day the woman from Liberty, Peggy, was due to letting me know when the closing would be, she said that the title company now wants her doctor to give a statement that she was in her right mind, which broke the camel’s back. I told Peggy to pass on to them that I'm not doing that.

First of all, her doctor is a general internist. He's not gonna give a psychiatric statement. I'm not going to go to the attorney. In fact, we were at the attorney for a different reason. I told the attorney, and the attorney says that they would sue them since they are implying that they let her sign a personal service contract when she wasn’t in her right mind. So I told Peggy that we're not doing it and that we'll go to someplace else. Then she called back the next day and said that she talked to the title company, and they said to not bother as everything is approved.

I told Peggy and Carol that the title company came within a hair’s width of me just canning the whole deal. Every time I talked to them, they were rude. I'm not the sharpest knife in the dishwasher, but I can cut butter. They treated me like I was an idiot for not doing that. Liberty needs to take a look at that title company. They are miserable to work with. I think Liberty was just as frustrated as my wife and I were, but they won't sign off on it, so we do this and we do that. The whole thing ended up taking us about three months to do as I recall. It was simply because of screwing around with the title company. We got all of our stuff done within a week or so, interviews with HUD and all our paperwork. If I had known I was going to have to go through what I did with the title company, I would never have gone to Liberty. I would have gone to somebody else.

There were a couple of times where some callbacks were a little tardy in coming, but Liberty did well. The application process was a little tedious. Fortunately, it was mostly signing. Their rate was fair. It was a chunk of change, but from what I understand, that's what industry charges. The reverse mortgage seems to set what we need quite well. The results of getting the reverse mortgage had been significant. We are in this house that we have been basically given and that was a very real blessing. But it also required about $50,000 worth of upgrade and repairs. It's an older home that older in-laws have not necessarily taken care of. I did not have the resources that could be used for such thing, so having the cash had been very helpful. We've gotten that work done and the house is now up to code.

Liberty helped us get through. The thing that bothered me was I kept having to send the same information over and over again because they said they didn’t have it. And part of that was because they had this man that we had started with that was sending them the information. He was taking pictures of it and sending it to them. But it took them a long time to say that that wasn’t legible. So it had to be done again and then again, it wasn’t legible. But other than that, they were super nice. I would definitely recommend them to a friend because of the people I worked with.

We started the process at the end of September. There was a time limit for us because of our situation. For this particular home, if we didn’t get an account number before October 4, we had to make sure that everything was recorded and that the application was dated and given a special number. After that, it didn’t require any speed anymore. Whatever we had to do, we did and we closed on March 7th. It took a while and some of it was because people came out and they said that we had to have a landing at the top of some stairs, and that we had to have railings and handrails. They couldn’t know ahead of time what they were gonna run into, so we couldn't have smoothed it out.

Eric, my loan officer, was superb and he smoothed everything. He was the one that was there through the whole thing with me and it was really great. It didn’t sound like all business and there was a personal touch to it. He cared about who you were and what you were doing and how things were going. I went to AAG because I wanted to have comparisons. The seller was pleasant but nothing that you could feel like you could lean on, unlike Eric. It was what he was really good at. He was also recommended by my neighbor who had the same experience. It was almost as though it wasn’t even in California because they were just a phone call away so it was nice. When we didn't like the price that the appraiser gave, Eric went to great lengths to try to get that corrected. He took as much time as he possibly could to get us as much as we could get.

He was very honest about everything and he wasn’t in a hurry to get on and off the phone. If there were any questions and he didn’t know the answers, he would find them out. This was the first time I had bought a house by myself and I found it to be very stressful to begin with. But, there was no hesitation and no impatience with a person not understanding everything. The fact that it took so long was not a detriment. If things happen too fast, that's not always a good thing either. It felt more like everything was handled right and nothing was being ran through quickly. Everything was examined very thoroughly and carefully. Peggy was also good but that's near the tail end.

I had a good and comfortable feeling working with Liberty. And without that mortgage payment, it's a whole lot easier paying the bills. We didn't pay for a month and this first of May would be the second month that we wouldn't pay the mortgage. That's not a lot to have to go by, but it sure was a whole lot better without that payment. I would definitely recommend them.

My loan officer Ron explained the whole process to me. All the dealings I had with him were easy and if it wasn't for him I wouldn't have done this whole thing. The length of time the application and underwriting took was also fine. As with the paperwork gathering, however, it was frustrating because instead of dealing with the paperwork once for the week, I had to deal with it every day as they were coming up with another piece of paper the next day that I needed to get. They should have just given me a list and say, "This is everything that we need." They could have done it more efficiently.

The rate and terms were fair as well and these were part of the reason we accepted to do the program, but Liberty is charging a very high PMI every year. It's $2,400 dollars a year on top of my loan. They also did a very bad miscalculation on how much money I needed to bring to closing where I had to pull up another $2500. That got totally off the wall and ticked me off pretty bad. I wrote them an email telling them, "Nobody can explain to me where this clause variance is. How was this happening?" They assumed it was coming from the same account that they already had verification there was money in, but that's not where it came from. So now I had to get it somewhere else. Still, I'm glad that I did the loan. I recommended them to my friend and told her it was a great program. She called me yesterday about her mother who's looking to move to Florida and I gave her Liberty Home Equity Solutions' phone number.

I have been watching on TV about the reverse mortgage and I had my attorney check it out for me. We figured that it would be better for me to stay in the house and take the reverse mortgage on the house. Then, after I go belly up as the saying goes, the kids could sell the house and then pay the reverse mortgage company off. I got a notice in the mail in the middle of September telling that if I want to take it and work out the process, I'd better do it before October 1st. Because as of October 1st, the rules were gonna change. And then, I would still be able to get money off the house, but not as much.

By the time everything was finished, and I signed the papers, it went into March 19th of this year. I went the first time to Lansing, Michigan and I talked to everybody there. The thing is, for some reason, they shifted me to Liberty Group in California. And by the time California got through horsing around, it was into January and then I had to have an extension according to them. There was $5000 several hundred left in the account from the ones from Lansing, Michigan. I thought, "Well, I'm going to take it out 'cause it's mine." And California told me, "Don't you dare touch it! You can't have it." I still don't understand that at all. But it's gone.

If somebody suggests, "We'll do it for you," and to take it from California. Don't do it. If you're gonna take it from California, take it from AAG. Don't take it from the same company like I did. That was a mistake on my part. I believed them and I thought they were gonna do it from here. And the next thing I knew, it was past the due date and it was coming from California.

Also, I've been getting a lot of mail from different insurance companies telling me that I have to insure my mortgage. They're not saying the reverse mortgage and they're saying mortgage on the $375,000 that I supposedly got, which I know is not true. Its beginning to annoy me. It never happened to me the first time I did this, just the second time around. What bothers me is they've got my loan number and they know that I live in Cook County.

The mortgage process took about two and a half months and it was worse than buying a house. The information that they needed was really a lot. When we sat down with the notary, it was a big stack of papers. It took us over an hour to sign our initial. We had to do both on all the paperwork. Luckily, we were able to gather up the information with some help from Peggy. She was a big help besides getting some paperwork that I couldn’t get. The process actually worked very smoothly and we were very pleased. It just took time because they had to go through so much government stuff. My husband and I had to have a counseling which we got over the phone. We were both okay with everything and Peggy was very pleased. That all worked out really good and being able to email things back and forth was always a big help.

I was kind of surprised at some of the things that they requested though. We have an HOA and I knew that we had paid it. They would have been on our backs for the last couple of years, but I could not find 2016. I found the copy for last year, but I couldn’t find the paperwork and the check. We don’t have a management company to call. And Peggy came in and called probably everybody on the board, trying to find out where she could get a copy. That was a minor bump and other than that, everything really went very smoothly. Peggy and a couple of other people basically do all that kind of work that Eric also does. I was very impressed.

As far as Liberty Home's rate and terms, everything was fine. My husband was under the impression that you never pay the mortgage back. And I told him that’s what they say on TV and that is true. You don’t ever have to pay it back if you don’t want to but you can. And when we do that, then inevitably, we don’t have to leave a big chunk of something that our son who would inherit everything after both of us take the big jump to have to pay off. That was the big part that Tom didn’t grasp. You can pay $50 or $500 a month, or you don’t have to pay every month. It’s just whatever you get and we did not take anything out right now. We’re basically doing it for the future. I’m 70 and my husband just turned 68 and stuff happens. The house is 19 years old and we have already replaced both air conditioners and one furnace. We don’t want to leave our son with some kind of a big debt, so my husband has to deal with something.

We had a great experience with Liberty Home. And I hope other people who use them all have the same experience. I will recommend Liberty Home if anybody should ask and I had actually talked to people in natural conversation. It happened to come up especially when it was finally done and we’re signing the last papers. Liberty Home was very accommodating.

Their rep was very helpful and acceptable. He was always a phone call away which made things a little easier. He kept in contact with us to make sure everything was running smoothly and that we were getting all the paperwork needed to be done to close out the reverse mortgage. He was always calling me to update me on the process and what was going on. The guidance we received from Liberty Home Equity was cool. They gave us a little phone tutorial in the beginning and asked us whatever question we weren’t completely clear with. They were thorough in making sure that we understood what was going on. The rates were fair and competitive so my mother and I were pleased. But they could shorten the time it takes for the money to be deposited into my mother’s account.

However, Liberty could do away with some of the paperwork. There was a ton of riffraff. Unfortunately, you should try to read it all which doesn’t always work out. The guy that worked with me was Erick over at Rancho Cordova, California. He was really good. He came by so I didn’t have to run around down to the office and he made it really convenient. He seemed to care and interested. He wanted to get it done and he covered everything. He followed it up and even came by after the loan insurance was secured to make sure it was straight. The loan officer answered all my questions as well. I started going through the process before, so I was pretty familiar with what was up. He really didn’t have to explain too much but he did a good job explaining what my concerns were. I’d recommend them.

I worked with Greg and Erica and the experience was good. It was like a 5-star performance and the process was complete in about 30 days. Erica really sat down with me and talked to me. She let me know what was going on, what to do, and how she is gonna work with me. She really built my trust for her and once she got my trust then everything fell in right. If something takes too long, they call me up and tell me what they're doing. And if any problem comes up, they also let me know. And so if anybody comes to me who actually has to do a reverse mortgage, I'll recommend Liberty because I know they'll give A1 service.

Paul was the loan representative that I dealt with and he was very good. He was in touch with me constantly and was consistent through the entire process. There were about three different people but the others were very difficult getting answers from. Also, there were problems and as things went wrong, it got rather upsetting. It took them awhile to find an appraiser. The appraiser came out the Friday after Thanksgiving and then he never filed the report. That went on and on and then finally, a second appraisal was ordered in January and the appraiser came out, did the appraisal but he didn’t file a report as well. Again, this went on and on.

But the guidance I received from Liberty was very good. The only thing that I wasn’t informed about was that there was a time limit on the state laws. If I had known when it was going to expire, I could have urged them to move faster because there really was a window of opportunity in which they could have closed the loan before that expired. I don’t think they noticed and they just dropped the ball. They did help me out by $6,000 that made up for some of the principal I lost but that still owes about $5,000 short of what I had expected.

Also, the rate was a little higher than I thought it would be. It was over 4.5 but my credit is not really good because I had to file a bankruptcy back in 2010. Liberty is a good company and Paul certainly was excellent to work with, but the whole process was so stressful. I applied in October and it was at the end of March before we closed. It became very difficult because it went on much longer than I had planned and then I was basically running out of money to pay bills and to buy food. It could have been done more timely and that would have been absolutely wonderful. Everything would have been okay.

The loan officers notified us when they could come and we agreed to the schedule. They came on time, went through the process, seemed knowledgeable and did what needed to be done. They explained what the options were, what the steps were in the process, and what the schedule would be. The rates appeared to be competitive and it was a rate I was comfortable with after doing the research on what was out there. Working with Liberty has relieved the stress getting rid of the debt and I'd recommend them. Liberty knows what they're doing. They work with you and they keep you informed.

However, I thought that the charges for the mortgage insurance were outrageous. We paid $8,000 for mortgage insurance and then, they're to charge 0.5% per month and I don't like that. I had a home equity loan before with PNC and I never got charged any insurance. But this is a reverse mortgage and some of them are making money off of me. But I got to do what I got to do when I'm strapped for money. I'm 77 years old who sold his business partially on a contract that went bankrupt and I lost $800,000 so that’s what we had to do. Other than that, the experience with Liberty was absolutely perfect and I don’t have to worry about paying bills.

The fellow we talked to was Ron and he was a very helpful man. We got along just fine and he answered any questions we had and gave us information, told us what was what. He was very congenial and we really liked him. From the time we started till we got the loan, the process took 30 days. He told us it could take 60 to 90 possibly, but we started in late February and by the 23rd of March, we signed the paper. Working with their team made us very comfortable. The ones we talked to couldn’t have been any nicer. They were really pleasant people to work with.

Their rates are too high, but it’s typical. From what we could’ve gotten a regular mortgage for, the rate was close to the same. The amount of percentage you have is high, but as years go by, it drops and averages out. There was probably a $2,000 or $3,000 difference in the closing costs on a regular mortgage and what this was. But the first few years of it surprised me with what I figured the average would be.

It took just about all we could get on the minimum to pay our bills. I still have a car payment, but there wasn’t enough for that. With Liberty, we got through all the rest of our bills and we’ve got a few dollars left, so I’m real pleased with it. I feel so much better about the process. If something were to happen to me, my wife will be able to stay here. It’s really eased both of us tremendously. I feel so much at peace because I know that she’s gonna be able to stay here in the home and be able to live here without having any problems. I’m very satisfied with Liberty.

The guidance that I received was good with what they had to work with. I’m not really sharp. If I asked the right questions I get the right answers but if I didn’t ask the right questions, it’s not good. For example, I got the initial payout and I know that we got some more to draw from but I didn't understand when or how it works. They should explain the payout processes better. They sent me a bunch of paperwork which I couldn’t understand. Also, I was a little disappointed with the rate of the reverse mortgage. But overall, I’ve been blessed working with Liberty.

I had all my paperwork to Mary within just a few days. Mary was very good. I knew exactly what she was talking about. I was able to get what she needed quickly and that worked. She really did a lot to get it through quickly. I was impressed with her honesty, integrity, and the willingness to help us out. It was very comfortable working with her.

I think we got a fair deal from Liberty and it's going to work out just fine for us. I would highly recommend Liberty to anybody else, including my friends. I would probably caution them about when we were told that we needed to get some paperwork, we needed to get it in and not just dally around. The company can’t do it for them. Also, I think having to go to the city's counseling session scares people off. But it was very helpful to me. It made me feel better about the process to make sure that I understood what I was doing. They weren’t grading me on my credit history or how I spent my money. And I think a lot of people think that’s what that is.

However, the application and underwriting process took much longer than I had anticipated. I ended up having to deal with three different people, which was confusing because it was new to me so I needed to make sure people would answer my questions as I was going down that line, but I did not quite get everything I needed from that. I could hardly get the appropriate people at the end. They need to improve on their communication. Also, the rate was not the best that I thought and I could have gotten better. I'm waiting to get all of my paperwork back from them to determine what's what. I would tell my friends to look at more than one reverse mortgage companies and see who would offer them the most. Also, they should get someone they can really depend on and say upfront that they'd want to deal with that person from the beginning to the end.

When I called Liberty's office, I asked for the loan officer who had been helpful before, but that person was no longer with the company. So I told them that I was well-informed about the program and I was looking for someone who can listen and react on point rather than just sell. And they referred me to a particular loan officer, and she was just what I needed. She was excellent, personable, and a good listener and she understood the communication, which was extremely helpful. The application process was tedious and it seemed that there was constantly something else being required. They should have all of the things needed to be listed instead. Other than that, I've had a totally satisfactory experience and I would recommend Liberty Home Equity to others if appropriate for their needs.

He also said there would be no big fee from the company but we paid you 3,000. But since we had already started it we don’t have to start the whole thing all over again. Thirty years ago I thought it was cool to have siding put on like a 45-degree angle to complement the house but then the water all ran down against the chimney and that got in there and kind of rotten things down over the years. Anything that is faced on the south that way took a really bad so we had to have that hole into the house made up. The only thing is we live in Forks, Washington and there’s nothing within 65 miles. Liberty looked and looked trying to find a contractor for our house but nobody wanted to come out because it was too far.

Finally, Liberty found a guy in Port Angeles and he wasn’t that busy so he came, looked at it and he said that he’d do the job. We waited for the go-ahead but he’s a small guy so he couldn’t afford to put the whole cost to that job. That slowed things down. But the Liberty gal that was handling this would check right back and I could reach her almost all the time on the phone that if I got through to her machine or somebody else there, I would always be called back within a day or the night. She was really good about keeping in touch and apologized because they can’t find anybody to work on the house.

There was a whole bunch of paperwork that I had to fill out and so, we went back and forth by email and fax to fill it out and then they check everything. The loan officer and I spoke on the phone and sent emails. And if the person that I was dealing with wasn’t available, there was someone else who was able to answer all my questions or gave me information that I needed, to fill out the next form or let me know what the next step was. There was a single person ultimately responsible, but there was a whole team of people available to me in helping me go through the process.

The rates and terms seemed fair enough. The ultimate goal for me was to not have the mortgage payments anymore. So, that frees up some money and there’s still some equity on the house. If God forbid something happens and I have to look for another loan somewhere, there’s still some movement there that I could go to. It was the right thing to do. Also now, I can start thinking about planning a nice vacation, which I’m going to, and maybe take one a year because now I’m able to take that money that I was paying a mortgage and put it aside. It’s a nice sum of money and I could afford to do a vacation every year instead of doing a staycation.

The loan was FHA backed, and it wasn't clear to me until later on in the process. I had to rebuild decks that were going to be torn down in order to qualify for the FHA backing. Now that the process is done, I can fully tear the decks down and rebuild them correctly. But those hoops that FHA put up to jump through were pretty tedious. The second fella from Liberty, James, was much more detail-oriented in helping me. Liberty team advised me on things and I was interactive between Casey and James. James was excellent. He had better communication skills than Casey. I felt very comfortable with the two people that I was in contact mostly. And if I had questions, I usually get a response not more than 24 hours and they were good responses from the people I worked with. However, the underwriters made my life hell, but that was their job.

The guidance that I got from Liberty was valuable in making my reverse mortgage decision. And the rate felt it was a little high, but then it's a reverse mortgage and it's not going to compete with an actual bank loan or a normal mortgage, so I understand that part. I’ve done it on a draw basis. So, as I need it, I can draw it as opposed to some of the other options. And that makes life easier because I don't want to be paying interest on money that I haven't borrowed yet. I'm glad to have that option. Now that the loan has settled in, I have a line of credit and it has given me more peace of mind.

And then the attorney for Liberty came by and had a lot of paperwork for me to sign. I'm used to government forms which carries a lot more paperwork than I had to sign. But Liberty's process was very easy for me to complete. So I signed all of those and understood everything that was on them. I asked a couple of questions and he adequately answered those for me.

When he went back, I got another call from the loan officer who kept me informed on the progress reports on how everything was going which I appreciated. If I had a question, it would take him at least one day to get back to me. And sometimes, it would be within the same day I contacted him which happened a couple of times already. He did the extra mile and was very dedicated to helping me in every way. I had a fire detector upstairs which came with the house. But I had to have one downstairs as well and I couldn’t afford one. So he brought one out and just gave it to me. He said he had some extras and so I was able to put that up before the inspector came by to take pictures of those detectors.

He also told me that the reverse mortgage closed on February the 9th this year and so I checked with my mortgage lender which was Mr. Cooper. Liberty checked with them to see if they had been paid and they did receive a check. And so that mortgage was paid off and now the first mortgage is in with the reverse mortgage now. This reverse mortgage has helped me to put away a lot of money. I'd recommend the loan officer to anybody that asked me about Liberty and who to contact. I felt very comfortable working with him. And I would say to my friends who are 62 or older to check out Liberty.

But the loan officer, Chris, from Liberty Home was very helpful. And in a couple occasions where he had to go to the underwriters to get a decision on something, they generally got back within a day or two. I had started another reverse mortgage with another company and because Chris helped me with my well share agreement and getting kind of closure on what I had to do on that, once I got the final quote from the other reverse mortgage company, I gave it to Chris and he came back and he was able to beat it so I was very happy with him.

The loan officer and the contact I had for them in California no longer works there, so it was hard to get in touch with anybody. When I tried to call them, nobody answers the phone and the only thing I could do was to leave a message. That's a very poor way of doing business. I had calls from the fellow in California a couple of times but then it was just email. There was a lady who finally called me from there and told me that they had received the doctor's letter I faxed, but that was the only person I had talked to since. It was like they don't exist and I had no confidence in them. But I went ahead with the signing with real investors, spent much time in this, and then we started all over again. Then because the rules changed by the end of October, we had lost about 30% of what we could get.

I've had very little counseling on the rates and terms from Liberty. They just handed the papers over and told us to sign them. And on the closing, there was a stack of paper that was an inch and a half thick that I had to sign. And I still have no idea how much we were gonna get. Then I kept getting mails from people who wanted me to buy mortgage insurance. I wouldn't recommend Liberty to anybody. But in their defense, I talked to Quicken Loans and I felt like I was being rushed.

I handled everything up to the signing with my uncle and then he signed all the papers. It was a long process, but they were very thorough so that didn’t bother me. Liberty made it convenient so I could be there with him during the time so they worked around my work schedule and his schedule so we could be there together. Working with them is going to be good for him ‘cause he’s going to feel more self-sufficient than depending on me to help him pay his bills. He’s going to like the fact that he can do it himself. We’re also very happy with the rate.

The only hiccup we had was the day we were going to sign because we had an ice storm. We had to put it off to later in the afternoon. Other than that, everybody fell into place. When they told us they were going to do something, they did it. And when they weren’t able to meet the deadline, they gave me a callback. So, they kept us abreast of everything going on. I've already recommended Liberty and I’ve also given others Greg’s number.

The process was relatively easy considering there was a couple of snafu because we were shopping. However, it took us a while to get the counseling because there was a run-on last year of everybody trying to get grandfathered in on the system prior to this year. It put a delay on things but that was okay. We contacted Liberty and they told us all of the steps that were needed. We had our information-gathering session where we had to get all of the papers - Our ID’s, our home insurance, policies and everything that they needed. We got those together and found a counselor, and we did our counseling class. We also got a certificate. Steve ran us through all the pit falls, certain delays and anything that we needed clarification for. I answered them and gave them clarification on whatever they had any concerns about until they were satisfied. It was a very smooth process.

I called New American Funding and they told me they could do a better deal. We wouldn’t have to pay for our own appraisal, they could credit that money back and they could minimize the closing cost. Once they told me all of the things that they could do, it superseded what was offered to me by Liberty. I called Steve from Liberty out of professional courtesy, and I wanted to see if they could meet it or beat it. He said, “Give me the information that they sent you or what they could do for you.” I sent it to him and they came back with an offer that was far superior and I got more money in that closing. My closing was going to be about 13,000 and it ended up about 8,000. Overall, I would tell others to make sure they shop around because not everything is clearly black and white. You want to make sure that the company you’re going with is reputable, they stand behind their words, and they live up to the expectations.

There was a lady who gave us her name and number, but she was a little hard to get a hold of. We kept trying every day and then finally, she told us she wasn't in the office for a few days. And then we talked to her and everything was fine. We signed the docs at the beginning of February but we started the process in October and we finished at the end of February. It should’ve gone faster. There were some weeks when it just dragged. So we called the lady and asked what was going on and she explained.

And at the end, there was another lady who called us and told us what was going on. And I like that because at least we knew they were doing something. The lady kept calling and kept saying what they were up to, when the end will be, and when we were going to sign the doc, which would be the last thing we'd be doing. Working with Liberty has helped me get a little bit of fund that is helping me out. The only thing is, we just got our first check and we got a letter at the end stating that they gave our loan to another company in Florida. Still, I would recommend Liberty.

Getting a reverse mortgage through Liberty Home Equity Solutions was alright, but their appraiser sucked. She walked the ground like she owned the place, had an attitude and lacked the knowledge of the area. She was from Appraisals by Casey at Greenwood, Indiana. Greenwood people don't know anything about the plain field area and it's a whole different county. I was told that the appraisers just call up and get a referral, but I would remove her from the list and I would prefer Liberty to use somebody in Hendricks County, where we are in, next time. But our loan officer, Ron, was friendly and knowledgeable, from the same area as ours and was a lot better than the appraiser.

I can either sell the house and have no place to live or move somewhere where it's less expensive, but my wife was having a problem with her sister's death and all of this. So with a reverse mortgage, we don't have to worry about it. They'll sell the house when we both die or we can give it to one of our kids that could afford to make the payment for what was left at 5% interest. The house was appraised for $330,000 and the cost came out $165,000 and minus the cost of $15,000.

The application process with Liberty was very good. A lady came out and we signed all the stuff and it took about an hour and we did it. There was a couple of mistakes made and we got it by UPS, and we signed and done that correctly and that was it. I also talked to the loan officer many times and she was great. She told me what to do and that there was gonna be an appraiser coming out and that was gonna cost $500.

The appraiser was a nice guy. He called me first when and he told me what he was looking for. I spent less than $2,000 to bring the house up the code and where he wanted it to be. Then when he came out, he was here for an hour and a half looking for everything, unlike other appraisers that I had who just walked through the house for five minutes and gave me an appraisal according to all of the other houses sold around. He appraised it for $330,000 and we were good to go. So I was pleased with everybody. Liberty has changed our lives and we have hope now. I didn't know that Social Security would take our check back and if we didn't have it, then they would come after us and take us to court. We lost a third of our income, but Liberty literally saved our lives.

I chose an independent agent closer to home and we tried to work through Liberty but they really perseverated on one issue that we couldn't give them an answer to satisfy them. And so finally, I just gave up after about five months because it just went on too long and it seemed irreconcilable. So then I tried a completely different firm. But they found something in the title so they chose not to refinance. So then I decided after a while to go back to Liberty and used a broker who works more directly with them. The first time I spoke with him was the end of April in 2017 and the reverse mortgage was just approved by the end of January, so it took all that time. And there were a whole lot of issues in between.

There were several things that I strongly opposed. One of them was that I have to have three appraisals. They couldn't use any of the ones that I had done previously for the other applications. When the first appraisals came in, they were not very satisfactory. One of them actually was picturing the wrong house. It was also very difficult for them to find comparison houses because these old hundred-year houses are unique. They said some of the stuff was just because it was an old farmhouse with not the usual "put-a-subdivision" issues.

One that I was very upset about, it involved a hole in a plaster ceiling and they insisted us a man come over. He came over and took a picture and walked out. And it cost $150. And it was the same picture that I had already sent them. So the work added up to the cost. So my closing cost was pretty high and it was a lot higher than I expected. But partly, it was the delay that caused the rate increased. But the final appraisal that they used was a little higher than the ones that I had started out with, so that was a good thing.

The interesting thing to me was, the one that really sank the whole first application, which was more than two years ago, it didn't even come up in this application process this second time with Liberty. But we got through it but there were a lot of errors and misinformation and they jumped to a lot of conclusions. The biggest problem was that I live in an old farmhouse in the east in Maine and it just didn't fit with a lot of their usual application process that we had to go through a lot more.

A lot of the problems I had were peculiar to my situation and they delayed a long time before they started acting on it. When I got a little irritated that's when they really started to pay attention to me and realized what was holding it up. They were slow to respond to some of the issues and dragged their feet. When they finally got working on it, it didn't take them that long. But they already had received the information. I sent it to them from the beginning. I wish they had put somebody on it earlier that could've answered some of the questions. It would've saved me a lot of grief and maybe money, too.

But they were always courteous. And the agent and I became friends over the summer. And once he got started on the process, he was pretty dogged in about getting it through for me. I also spoke with some more senior members of the staff. I also actually complained to FHA - the consumer division there. I also complained to some of my congresspeople, my senators and one of my representatives. By the time it got rolling and all these people took an interest, they had a big meeting about the whole thing and they finally approved it.

They've just paid off the things they were going to pay off and sent me my first check. I'm a life tenant and my daughter is a remainder person. I don't really exactly own the house but I have life tenancy until I die and then it goes directly to her. But the effect of that is that we both share the title to the house and she had adapted that. We didn't have the money to fight this debt at the time because I didn't get the reverse mortgage in time. So, that had to be paid off and now, with this sizable chunk of money, it has been a great relief for her to be able to do that.

Everything is difficult for me because I have some medical problems right now and I get confused very easily. We were very unhappy with the surveyor who came out here as he made lots of mistakes and undervalued things. I was in Southside when he came. He reported that things were not there that worked. I could have lost about several thousand dollars in what I could have had just because of his negligence. He said that there was a leak in the roof and although there was none, and I took off a lot of points for that. So, I have to follow that from my friend who is a bit of a financial wizard and who took over. I would have been absolutely overwhelmed even though it was not so hard. He also researched outright to the very letter and has caught quite a few snafus, and changes that needed to take place on the farm, and he reported everything.

There were other mistakes saying there were no vents in the house. If there were snakes, they would have bitten them. They were so apparent. In fact, my friend went through and took more photographs, and sent them in, and shared close-ups of things. So, it was a very inadequate and a poor job in doing the appraisal. They should take very careful account of the person who does auditing because it makes a big difference in the loan that they would give me when they gave a lower rating when I have the nicest condominiums here. But, for the most part, things seemed to have gone well and now I’m ready to deposit the money and act on it now.

They did come through with everything so far and there's a lot of work to be done, a lot of questions. One of the gals came out and went over everything with just the paperwork at home. Kent was also nice and he came out twice and we went over things very thoroughly. But then he just stopped calling too. We would email and call him but I guess he got occupied with what he is doing. They need to follow through as the woman did. Still, I would certainly recommend it.

Their staff was very helpful especially the first lady that I had most of the dealings with. Plus, their support people seemed to be available almost any time or they got back to me if they weren’t. They were concerned that I understood all parts of paperwork and answered questions too. Liberty did excellent, smooth job without pushing me or rushing me. I appreciated everything that they did and it has put me in a better position financially now. It was very relieving to have worked with them and have them be so successful at assisting me. If you are in the same position and you're shopping around, Liberty is good. I would recommend them.

We had a lot to go through. There’s the outrageously paperwork that I had to go through and I really got upset with them since they wanted my dad to sign. He can’t sign, that’s why I got the power of attorney to sign it for him. Then they said, “It’s for the documents” and I said he can't. I watched my dad struggle signing these papers and I said, “That’s not right.” So we tried to get the right documents for them and this and that and then they’d be like, “We need this too” and I go “Why didn’t you tell me that in the first place?” They should tell us what’s exactly and everything that they need to start the process so I can at least try and get what I can get for them. I’m the oldest, still working, taking care of my wife who’s battling brain cancer and got a special need child so I can’t be doing all of these. And my brothers have issues so everything is dumped on me.

But I’m glad it’s over. From beginning to end, it took about three to four months I think. We got what we need right now and the funds. I want to put it where my brothers have access to in case something happens because I told my brothers, “This is strictly for dad’s care, nothing else.” I asked Liberty to do direct deposit but they’re sending a check. But I would recommend this company. The people were very nice. The lady that we worked with was pleasant and knew her stuff. We had a couple of meetings and I like her knowledge. She always told me “Hey, I’m here for you.” There were some times it took a little bit to get back but she did. We like her.