Liberty Reverse Mortgage Reviews

The application at Liberty was a long drawn-out process. But they were good and they did their job. They answered every question that I put in front of them. I was comfortable with them.

I went through the process of the reverse through a broker that arranged for the reverse mortgage, and then that's where Liberty came into play. The application process took a while, about two or three weeks. The timing could've been improved.

We had a very good person who was helping us with the loan but the application process is stultifying and numbing. The things that we had to provide were worse than getting a refi. We had to provide statements from Equifax. We had to get two years’ worth of payment history to the homeowners association. I've had some disputed student loans for my kids for the last 20 years, so that was out there. We had to get that off the books. It took a long time to get all this stuff and to clear up my payment status with Equifax.

They were very nice and helpful. I had to go to the class so I understood what I was doing. I also had to get certain paperwork together for them, which made a lot of sense. My loan officer kept in touch with me. If I didn't have something right, she called and told me what to do about it. If I had any questions, I just called her.

My loan officer recommended a specific woman and when I spoke to the woman, there was an instant rapport. And they weren't just telling me to do it. They were, not critical, but very careful with what they suggested. I liked them very much. My experience was relatively easy. The one thing that I had that I thought was the most critical bit of it was, I was supposed to have the trim painted on the house, and they would hold back $4,000. It was very difficult to get that $4,000. I still haven't received it. The man who did it was a legitimate businessman, but he didn't fill out the form. I asked him again and again and it just was aggravation. That was the only drawback to Liberty.

The rep at Liberty was very helpful and informative. She answered all my questions and anything that came up, I was able to call her and get it resolved. It was a smooth process. They gave me contact info to get ahold of somebody if I needed. They asked me some basic questions, sent me an email with the information I would need to supply them with so that they could process the application and see if I was gonna qualify. I sent them everything and they looked it through. They told me tentatively we could do the mortgage and I'd have to get an appraisal and pay for that. They gave me the numbers which looked fine.

The rep was very pleasant but it was a long drawn out process with Liberty Reverse. I was constantly getting paperwork to fill out. A lot of it was FHA. I'm not happy at all. If had to do it over again, I would go with somebody else.

The rep explained to me how it works and gave me a bunch of information. I had to submit a lot of information to them and I went through credit counseling. I started in November and it ended last March. Now, I can build my savings back up and I am satisfied with everything about it. I would certainly recommend them to anybody I come across and interested in it.

The only thing I don't like about Liberty Reverse Mortgage is it's hard to get repairs done. But as far as going through them to get the loan, it went very smooth. We closed on the new loan before I even got my roof repaired off of the old loan. They just sent me my money that they had in escrow waiting. They're wonderful people. The gal I worked with and I got right on it and she was amazing. She sent everything to me to sign electronically, so I didn't have to print stuff off, sign it, fax it. I could do it all.

Great people to work with. The person I worked with at Liberty Reverse Mortgage was useful and explained step by step the things that I had to do, persons I had to meet and processes that were done. It was a great thing to do.

Liberty Reverse was willing to work with me even though my property was potentially valued at a lower number than some of the companies were willing to work with. Overall, my experience was pretty good. But at one point, I got pretty disgusted that they would place so much emphasis on an aerial photograph of the property lines on my property, which everybody knows that they're not accurate. But it cost me $500 to get a mortgage survey done to show that my west property line coincided with the west line of the easement through my property. It slowed everything down by about a month. They wanted to make sure that my property line didn't infringe upon my neighbor's property line, even though I had old documents from the county showing that my property line and the easement property line were one and the same. They would not accept that. Part of it I took because they're from California thing.

Cindy, my daughter, likes Liberty. She got the first reverse mortgage in 2019. Then, she wanted to get flooring put in her house. So, she got another reverse mortgage and she went through Leah from Liberty. Leah was good. She kept track of everything. Cindy can't talk very well because she has no time. So, Leah was texting her all the time, letting her know what was going on and helping her. Cindy was happy with the rates. She got a lot done.

The representative explained everything. He was pleasant and knowledgeable. I had a good experience with Liberty. If anyone is thinking about using them, I would recommend them.

The reps were very thorough, telling us everything that they were doing. They went through it step by step, everything that we had to do. Jovan went out of her way to try to help in any way she could. The rates were fine, but I still don't understand why they hold one year back from you. I guess that's HUD's program.

The reverse mortgage process at Liberty was difficult and complex. It was a lot of paperwork. I had some issues with getting the home certificate. Getting my name and address straight was a bit of a problem, but we got that fixed. Jim, the rep, was also great to work with. He was the best.

Our experience with Liberty was great. I had no problems. Very nice people.

Liberty Reverse Mortgage made the contact. So, I learned that would be available to me now. And with their help of learning what would be involved or what the situation was, I carefully considered whether I wanted to do the reverse mortgage a second time or not. So, it was with learning about it from them and the information that was provided that helped me make a decision about it. I gave it some thought. It wasn't immediately with the contact. I had to think about it a while. But due to their help, the information they had was good and helpful, so I went ahead with them on that plan. They were helpful to let me know what I needed to find and what information they would have to meet the requirements.

Application moved along quick. Our only problem was when it came to appraisal, we had a home appraiser come out, then the government wanted another appraisal for some reason. It seemed like an appraiser connected to the same office as the first appraiser came out, so they had to disqualify that one and send a third appraiser out. We only paid for the initial one though.

I would recommend Liberty. Ryan and Leah were very accommodating. They got back to me immediately when I had questions. I did the same for them which they expressed to me they appreciated my quick responses also.

The application was quick and easy. I did it over the phone and spoke with Eric. He was quick and he was right on time. Also, any time I had a question, I emailed him and he was prompt. If I didn't understand something, he thoroughly explained it.

The application process was easy. It was done over the phone, then the other stuff were done in the house. The reps answered any question we had, and they went above and beyond. The process was long though. There were lots of paperwork, signatures and time involved. The stack of papers was about an inch tall, but other than that, they were efficient. We got the money that we needed, and I'm satisfied.

Christopher was telling us everything we needed to know and he was explaining things. And when we went through the HUD certification, everything they told me, he had told us. So, he was forthright in what he was saying. We were on the phone for a couple of hours with him. He was answering questions, and we were happy with him. We didn't think he was trying to put up the wool over our heads. We were happy with Liberty's process. It took about three weeks because when Christopher told us to get something done, my wife and I got it done right away. We were hoping that we could get it done fast enough to avoid another mortgage payment, and that was the way it worked. We were able to save a whole month.

Liberty seemed as good as any company. The online application process was straightforward. The sales guy I was talking with was very helpful and knowledgeable, and I liked him. He was very good with communication and easy to work with. The only difficult part was getting the appraisal done for the house. It took almost two months. Other than that, everything went smoothly. It seemed like the first appraisal company was backed up, and then when they finally sent somebody out about two weeks into him putting the appraisal together, which he should have done in one week, he backed out because he had some kind of family problem going on. Then we had to go find another one. It went on and on. Other than that, Liberty was fine to work with.

My experience with Liberty was very good. I had a first mortgage from 2014 on, and it was nearing the end, and I got a call from a representative from Liberty. At the same time, I got a few mail contacts from different reverse mortgage office suggesting refi. My first talk with anybody from Liberty was with Elizabeth. She called to ask if I was interested in considering a reverse mortgage. We got started on this in early January, but the call was made back in December. I said, "I'm not sure at this point. But if it makes some sense, I'd be interested in hearing about it." She felt that it'd be a good idea if she called back in about a month, which she then did.

Everything with Liberty was okay. The process just took a long time, but half of that was my fault because I was away for a couple of weeks. I was on the telephone with a lady who asked a lot of questions. It was about 45 minutes to an hour, and I didn't think it was necessary. Plus, it cost me $75 to talk to this lady. She was very nice. I saw a lot of things that I didn't know, but I thought also I didn't need to know. It was more difficult than buying a house. The people on the other end from Liberty were first-class people to talk with, but they needed things and it took a lot of time. Overall, we got it done and I'm very satisfied with the outcome.

I refinanced with Liberty and there was so much paperwork and correspondence involved. I probably have 20 letters from Liberty and from PHH. It was difficult to process all that mentally. But the contacts I had, Eric and Cara, were very nice and they guided me through the whole program. I was impressed that they took a interest in what was happening and that I was getting through the paperwork. And if I had problems, I'd just call them and they'd straighten it out. It was exceptional service.

Liberty's reps did their job and got my stuff taken care of. The lady I worked with was pretty knowledgeable. She took care of the conversations back and forth about the stuff that needed to be done. And when her assistant dropped the ball, she stepped in and took care of it.

Christine and Leia, the reps from Liberty, were nice people. The customer service was excellent. I got a reverse mortgage and the rates were lower. The process was as good as it could be.

The Liberty rep I worked with was absolutely wonderful. She was on top of it. She kept me in the loop and called regularly. I was very pleased. I'm not very digital and they walked me through the website and it was very good.

Liberty Reverse has a good process, and it's simple. I did all this over the phone, and the rep answered my questions without a problem. Now, I don't have to pay a mortgage payment.

They explained the protection that they give a person like myself with a reverse mortgage. There was only once that I made a phone call and talked to them and they were professional and helpful in every way they could be. When I hung up the telephone, I knew exactly that what I asked had been answered. They've been excellent and considerate. This has been a very rewarding experience and it's a pleasure to do business with them. I'd tell others that they should work with Liberty. They would work in your best interest.

The rep with Liberty, Eric, called and explained so much. I could ask any question. He responds even today if I will call him about something. I was impressed with his willingness to share information and explain things. The application process was easy, especially the electronic documents. The hardest part of that process was when things were turned over to the the notary. The notary had to keep coming back with documents to be signed.

Our reverse mortgage process experience with Liberty went very smoothly and quite well. They did an outstanding job. They did their part. We gave them the info, and then they got right on it. If I did not reach the person I was trying to reach, I left a message. And they responded very quickly. We're happy with the rates and terms too.

The process took three months, and the rep was very helpful. She explained everything thoroughly and made sure I understood it. She knew what the outcome would be and she was always available. It was a nice experience. However, the rate was high. Liberty Reverse was making money. Any company like that makes money off of the person, but their attitude is, "We're doing you a favor." Actually though, we're doing them a favor because they are making money off of the transaction.

Liberty's rep called and walked me through what would happen if I got a reverse mortgage from them. The whole loan process took over two months to complete. I started in September and we didn't close until December. It was a little bit longer than I expected but I had some things that had to be checked out and in the end, they were all fine. The officer that I worked with was great. He took me under his wing and made me feel like he cared about me. I got a little frustrated, but it wasn't at them per se. It was just that the title company had to have this, this, and this. When the reps came out and did the home inspection, they had some things that had to be checked out. Then, the next thing that we had issues with was getting something about the property lines. So the delay really wasn't Liberty's fault.

Liberty was willing to work with me. The process took a couple of weeks, but they ran through some problems with the house title and they took care of it for me. My loan officer was wonderful. Working with Liberty solved some financial stress for me. They were very good with me.

Liberty Reverse Mortgage kept me informed. The whole thing was very good. The mortgage rates are high, so they were a bit high. But going with them made finances easier.

The process for the current mortgage this year was very easy to follow. My agent was excellent. He kept me informed and explained everything down to the very last detail. He called me every day which I appreciated. Everyone that I worked with was knowledgeable and very easy to talk to.

There was a lot of paperwork and the whole process took about six weeks. It was difficult getting back with people on the phone. I'm used to doing stuff in person. But overall, Liberty helped me pay off a lot of bills.

I used to be with another company but they were hard-nosed and I didn't feel comfortable when I talked to them. They wanted to me to do things, and if I did them, then they’d give me an incentive. But that was sort of giving a kid a candy or a sucker to suckle, so she'd choose you. So I dropped them and asked Liberty to take me back, which they so kindly did. But their mortgage process wasn't easy. They kept asking for things that they needed instead of asking all at once. Every time I provided what they needed, they’d give me another list. And it seemed like it went on and on.

I settled on Liberty Reverse Mortgage as opposed to some other companies. The interest rates of the first company I dealt with were high, and at that point, I hadn't made a decision to go ahead and go through this. It took two or three years for me to finally land with Liberty, and I'm content with the rates. Everything went smooth as well, except on my part. I was the one that put some speed bumps in the way because I was working during the time that I was supposed to get appraisals. It took a little longer than it should have, and I can say that they certainly had a large amount of patience.

Everyone was so nice at Liberty Reverse Mortgage. Duke was the one that helped me get my thing going, then I talked to Sabrina. The whole process was very easy for me and it took a little while to get it all done. If I had any concerns, I called Duke and he helped me a lot. I also talked to Sabrina and she really helped me because I had a lot of questions. Liberty showed me the right way to go. The reverse mortgage helped me to pay all of my bills off in full and I am now debt-free.

We refinanced with Liberty Reverse Mortgage, and I had a good experience doing the process this time. The people I worked with were very good, including their attitude, friendliness and knowing what they were talking about. It helped a bit with the stress. On the other hand, they overflood people with mail. I was getting one or two a week, which is not good, and I'm still getting them.

I was looking for information and Liberty came up online. They said that they could do things that were holding me off from doing it and tied in to my loan and everything else. It kind of worked. We kept correspondence up and everything fell into place. They sent me documentation that is mostly how things are going and what I needed to do, especially for inspection and things like that. They've been helpful and understanding. I didn't feel like I was being railroaded into anything.

My experience with Liberty was very good. Working with them was fantastic. Everything was really easy and I appreciated it.

I applied to Liberty through a website and they got back with me and we started talking figures and got the house appraised and took a few steps. It was a process that took longer than I thought it would because it seemed like I was always having to redo some steps. I'd send them some information and it wouldn't be right or I have to send in another copy. It was a long process, but they were good with me. They worked with me on it.

I was looking to get some repairs done. I did a loan Liberty and was very simple. I had to get the home appraised and then go through counseling. Waiting for people to talk to and setting up appointments can be a pain but the process was fairly easy. My rep was Brian and he was pretty cheerful and easy to deal with. He turned it over to his secretary and then I dealt with her. It was easy to talk to her. They gave me all the information I needed. The interest rates are pretty high but that's normal right now. I would let friends know what my process was, what I had to do, inform them what I had to go through and whether they could afford it. You have to come up with your appraisal money and counseling. Be sure that they have the money to get started.

Liberty has very nice people and were there for any questions, always returned calls. I like them very much. It was a good experience.

The process with Liberty was very trying. They knew that I was planning a trip. It was my bucket list trip. They also knew that I was planning this for October. They told me at the beginning that they could close by then. But they didn't. We made the bucket list trip when it closed. This was up to Yosemite and the Black Hills and Cody up in Wyoming and South Dakota and a lot of things were just closed by then. We missed a lot of things we would have liked to do on the trip because they closed on the 10th. We didn't have the money to go by then.

I called Liberty to inquire how reverse mortgages worked because I wasn't aware. The representative that I dealt with, Liz, was excellent and I could trust her. She had a positive attitude and helped me along the way. She had an upbeat personality and explained things to me. The only depressing part about the procedure with Liberty was I couldn't believe all the stuff that they required. I was asking, "What do you need this for? And this one?" I was getting frustrated and I almost stopped it. Liz was really patient and she was telling me, "Okay. We just need this and that and we're almost done." I did one at a time slowly. The process took two and a half months. On the whole, I'm happy to have a whole new payment on the money that I owe so I can catch up on the other small credit cards and then go from there.

The reps at Liberty were very nice, patient and understanding. I asked a lot of questions and they were polite and answered them all very well. It was a little pricey, but I agreed to it, so everything's fine.

Liberty did all the work. When I did the application, they sent a notary here and she had me sign all the paperwork and she notarized everything. It was very easy. I worked with a man first and then, Leslie was the one who handled the paperwork part of it all or if I had federal copies of this or that. She was very good and helpful. This is the second time I did a reverse mortgage with Liberty. They answered all my questions and the communication was good. It was either by phone or by text, some email.

The application process was terrible. We're not computer literate and it was hard. It took time and patience because it was a lot to go through. The employees we talked to were very nice and the appraisal guy was good. But even though you get a lump sum of money, you still come out on the short end. You have to be careful with the way you spend your money.

My husband passed away and in order for me to stay here, I applied for a reverse mortgage. Liberty has been more than cooperative. The problem is my feet dragging only because of some of the things that I had to do. Also, the application process was horrible. The signing alone was a pain. The first man that Liberty sent was all right and gave me information. He had his cell phone and was more interested in what his son had to say about the car he was buying.

It took six months to get things done with Liberty and it was really time-consuming. They kept adding more paperwork to every call, then they had to have our marriage certificate. We'd been married for 30 years and went through two of these before. Also, they kept changing people all the time and in the end, we just got a third of what we should get.

Liberty did a great job but they could improve on the time to schedule everything. Some of the counseling we went through took over a week to be scheduled because everybody was busy.

Liberty answered my questions right away which was important because I hate to call up somebody and remind them what I asked them three days ago. It felt good talking to them. They kept up with me. I got online and did most of my work from there. It saves a lot of paperwork and mailing. I'm satisfied. I'm paying more for my reverse mortgage, but it's easing up these other things so that I can increase my playing with Charles Schwab.

Their reps were very good. Most of the people that were assigned to me were excellent. I was a little disappointed in the numbers that came out but that's just the way it is.

I appreciated how Liberty Reverse listened to me, and they responded. Their rep helped me find my way, because he dropped information to me which resulted in my 200,000 debt being paid. He sent me detailed emails about what they would need to see and what the process was. I was well informed. He kept me up front. He sent me correspondence as to what would be done and what was needed. The rep was really good. He was very personable, upfront and helped me a lot. I was under an enormous amount of stress, and he was calm enough to listen to my story of how I arrived at needing help.

Liberty Reverse made it possible for me to stay in my home, and I would recommend them. Working with the representatives was good. They did what they said they were going to do when they said they would do it. The process took a month or so, and the terms are high, but that's because I need money and they have money to loan me on my stuff.

My husband is in Costa Rica and he was a non-borrowing spouse, but we had to get him to the United States to complete my application with Liberty. So from start to finish, the process took about a month. But it was simple and at the time, I needed cash for the divorce and they provided that. I would also send my friends to the people I worked with there. They were professional from start to end.

The reps were all great. Getting all the information they needed was difficult. Liberty needed papers and documentation that I had to get from the government and it was just impossible to get. Since COVID, the government has totally shut down. You can't even call a government agency. You just get an automated number. You can never get through to anybody. There was one time when I spent weeks calling every single day every hour of the day. But I got the same government answer every time I called saying, "Due to the high volume of calls, please call back at another time."

Our go-to person with Liberty was able to assist us with everything. I like her ability to be patient, comfortable, and get work done. However, the whole thing seemed like it was constant phone calls and notices. I must have talked to five different people and it was very annoying because each time, I had to answer the same questions over and over. It was very aggravating. We almost quit. It took longer than we thought. Also, there was supposed to be $1,000 gift for redoing it, but I've never received that. If they advertise it, they should do it.

I filled out a form and Liberty reached out quite quickly to initiate the conversation. I did a reverse mortgage as a replacement income for retirement. Christine was my rep and she was very thorough and detail-oriented. She was very pleasant and professional. She answered all of my questions and she handled it all. On my end, I was able to upload documents as needed. The whole process from the initial phone call to loan closing took probably six weeks. There were some minor delays based on the documents needed. But it was all within certainly a reasonable timeline.

I could connect with Liberty the best and they were more aggressive in getting new clients. As soon as I made the first inquiry about reverse mortgage companies, I got a call from a person and not a computer. That person was personable and presented the company benefits well. I followed up, checked them out, and decided that it was good. I already had a reverse mortgage before. It wasn't a learning curve for me but was just a matter of finding out whether or not Liberty was a reputable company.

I am very happy that I went through Liberty. The process was very time consuming but detail-oriented. Chris was fabulous to work with. I would highly recommend him to anybody. It was a tedious process but it was important for it to be that way so that people understand what they're doing. During my counseling part, they asked me a few questions over the phone. Then they came out and inspected my house. I thought it was gonna be a much more detailed inspection but the guy just walked through the house. It didn't feel like he looked underneath the house or in the ceiling area.

Liberty's process was very thorough and it went pretty quickly. They would tell me what I needed and I'd have it for them. Then, we'd just have an appointment to talk and we'd move on to the next thing. I was done within a month from our first contact. One time, I couldn't do some of the documents on my iPad and my computer wasn't working properly. But with the person I was working with and myself, I was able to copy things on the phone and send the document, if there weren't too many pages. And on a couple of things, I gave her access and we did a third party call, then she was able to make an appointment with the company and get what was needed. Also, my questions were all answered and I didn't even realize I had questions until I went through that process. Everything was done very respectfully and they were most accommodating. If I couldn't be available a certain time that they would call, we made another appointment and moved on.

The experience was surprisingly pleasant though there were a lot of questions and a lot of documents. The rep was very cooperative and willing to get me whatever information I needed. She stayed in constant touch. The only part that was time-consuming was when we had to go to a third party for information about the type of loans. It was almost an hour mostly listening to them reading something they could have sent me.

I worked with Elizabeth at Liberty and she seemed caring and truthful. She took the time and answered any questions that I had. Every time I called out there, she wasn't always there. But she always called me back, usually on the same day, and she didn't ignore me once the process started. She was knowledgeable and she tried to make sure that I understood them before she got off the subject. But I had some problems with the process itself, not her or any of the people that worked for her. They tried to hurry the process too fast and I wasn't sure that I'd answered all her questions on the written proposal. And I didn't sleep that night thinking if I'd done the wrong thing.

Stacey was so helpful in explaining everything. They were wonderful explaining everything that was going on and what had to get done and why. They really explained everything. If I had any questions, they answered them.

The communication was good, but since there was a glitch on my end and we had to work through it, the process took from mid-December to end of February. It was difficult, but the loan officer and everybody I dealt with were extremely helpful and nice.

Everyone at Liberty was nice and professional. The counseling was also very good.

I put in for a second reverse mortgage, and I had to have my granddaughter do all of my paperwork 'cause now I had to do everything through the phone. The process took a month, and I didn't expect it to go that long.

I had very good interaction with everybody that I worked with at Liberty Reverse Mortgage. During the application process, I dug up the information that they needed to do their end and I had everything well lined out. Everything was completed in around two months and I thought it would be longer than that, but they did it fast. Based on the value of the home, they did what they could with what was available on the rate of the loan.

We looked at other lenders, but with Liberty Reverse Mortgage being such a large company, we thought that we were safer going with them. Applying with them was very pleasant. The people were good and answered all our questions, and it was great. Also, the rates were a little lower than I thought they might be since the interest rates rose, so I was surprised about that.

We only have social security coming in, and should one of us die, which could happen at any time because we're in our 80s, the other one would not be able to continue in the home very easily on the one person's social security. If we sold the house, we couldn't buy another one without having a house payment. The only thing that we could come up with was the reverse mortgage. I checked on the internet, and I read good things about Liberty, so I took a chance with them. The process was very quick. All they had us do was to send copies of different information and our driver's license, social security cards, insurance on the home, and our homeowner's insurance. What they required was very simple.

I had good help but I never knew there was so much paperwork to prove who I am. The whole system is too much and Liberty could have made it so much simpler. I accepted to do it but it was a lot of work and I'm not happy about that at all. Other than that, Labrina, the rep who collected all the paperwork, was wonderful. She got me through the process. She was consistent and very patient.

Every time I called, they answered or called me back. The process went really smoothly and I liked it. They helped me and told me what was going on and the reason why it was going on. It was done in three days. My rep Sabrina was very knowledgeable. If I had questions, I call her and she would either answer or call me back. She even called me late in the afternoon when she got the time. She was well-versed in reverse mortgages. Everything worked out. I was comfortable going through the process. They have very good customer relations.

I got a $5,000 deposit. I'm real happy with it. They were really nice. They didn't pressure me at all. They gave me good rates. They were prompt and I didn't have to wait around for them to call. The only thing that kinda bugged me was I had one guy to work with and then Chris called me and said he was gone.

They were very straightforward and detailed. They answered all my questions very clearly. We had three phone calls during the process and the communication was very good. They were very reassuring and precise with everything. It came through very well. I'm very happy.

They sent someone to check the house out and they wanted some electrical done, but they didn't explain to me the way it was supposed to be done. I put out money out of my pocket to have some of the work done and that was not what they wanted. They wanted somebody to come in and give them a price. They gave me the name of the guy to come out and he did the evaluation and the price of what he thought it would cost. It was aggravating that they didn't explain exactly what they wanted. But that's the only problem I had with them. I worked with Joshua and he was fantastic. He would call and make sure everything was going all right.

The loan processor who worked with me was one of the best I've ever seen. She was on top of everything at all times. She waited until she had the whole package to submit it to underwriting. Each piece I sent in, she got approved or asked for more depending on what it was. She was very clear about what she needed. When I sent the last piece in, we were ready to close right away.

I did my first reverse mortgage a few years ago. I did another one recently. It relieves some of my stress just working with Liberty and getting a reverse mortgage. The application process didn't take too long and customer service has always been helpful and courteous. With this loan, I wouldn't have a monthly payment.

My husband and I wanted to look into a reverse mortgage. I started doing research online and I found out that Liberty was the largest provider in the country and was actually very good for people with good credit. I originally called in November and the person that I spoke with said that we did not have enough equity to do the deal and to call back in a few months. But someone in their customer service called me in February and I said, "I have already spoken to a loan officer and here's the scoop." She said, "We actually have another loan officer available if you'd like to hold on." I did and she told me that the first person was no longer with the company and that what he had told me wasn't true. Her name was Marie and she was excellent.

My sister used Liberty and she had really good results with them. I went with them too. I got contacted by Marie, who was very nice, and she walked me through all the paperwork. I then worked with Sabrina on the actual loan part. She was very friendly and knowledgeable. She helped me through the whole process of what we were doing and she explained stuff.

I called Liberty Reverse Mortgage, we had the appraiser come out, and we had the closing. It was a simple process. If I called, the rep called back. It sometimes took a day, but I understand that because they're in California. If I had questions, he answered them.

The application process at Liberty was good. It was also fast. They were efficient, friendly and courteous.

The experience with Liberty Reverse Mortgage was a little rocky early on because there seemed to be a lot of information that they wanted that didn't make a lot of sense to me. I had a battle with cancer in 2016 through about 2018 which caused me to miss some mortgage payments. After that, for 24 months straight, there were no issues. But they seemed to harp more on the darkest period of my life asking, "Why did this happen? Why you didn't pay this," rather than, "The last 24 months, you've done well."

The original Liberty broker salesman and I had a pretty good conversation. I have been looking at different reverse mortgages and he was very good about answering my questions. That was the main reason I called them. But the application process was a pain. It extended into months because in some of the requests for my financial information, the language used by the people working the loan was a different language than me. And there was some frustration in producing things that were needed. It took some back and forth to get everybody on the same page. Then the original broker that I started with didn't finish with me. I got a second one, which was okay, but she didn't have to do much. Overall, I was satisfied and I received good feedback from other lenders.

We've had Liberty from our original reverse mortgage since 2014. Then we did a refi. Since we've tried other people and nobody had satisfactory conclusions for us, we went with Liberty. I'm pretty happy with it. As far as the application process, it was pretty easy. They walked us through it. We did it all through on the computer. There was just a lot of sending photocopies back and forth, and it took a while. There was a little bickering back and forth and misunderstanding, but we got it all straightened out. The HUD’s crazy rules make things a little difficult. We had all these different figures for our line of credit and every time it looked like we had a decent amount of line of credit that we're gonna get, it turned out it was not the case. They managed to at least meet us halfway with that one whereas no other company that we tried did.

I looked into reverse mortgages because I wanted to get a better deal. I did Liberty and everything went fine. Their rate and terms were proper. I would recommend Liberty to a friend.

I got my reverse mortgage with Liberty Reverse Mortgage, they did a very good job. Everything was fine until my home was destroyed with Hurricane Ian. I got my insurance check and called PHH Mortgage (same as Liberty Reverse Mortgage) for a payoff on 10/19/2022. After getting the run around and several calls on 11/3/2022 I get a payoff. They received the check on 11/7/2022 and put the money in escrow until 12/2/2022 when they paid off my loan.

Eric, the person I spoke with, did a great job. Liberty Reverse Mortgage has a good asset there. I'm not a fan of a bunch of paperwork but I knew that I had to go through it. Eric explained it to me and I did what I needed to do. I was able to get what I wanted in terms of the rate and terms without paying a big upfront cost.

My experience with them went well. It was a little difficult for me but it was good. We're satisfied with the results.

The people at Liberty Mortgage were very helpful. The communication was great and the application was easy. I liked working with these guys.

The reps were nice and they did a good job. I dealt with Mike and he was very understanding. I wasn't too happy about the timeline but they did the best they could. Look into Liberty. It's a big company and they have lots of money, so if you qualify, you're liable to get the loan.

My mom liked the way their rep Chuck was talking. He answered questions and he seemed honest and trustworthy. The application process was pretty long. But my mom was okay with it 'cause she understood the nature of the process. When it came down to the notary and all the paperwork she had to go through, she did it. They made the reverse mortgage simple. They didn't complicate the numbers.

The rep's communication was very good. He sped the process up a little bit.

They had great people and they had a different product from what the normal reverse mortgage was. They explained what I had to do and mostly, they explained how to do it, and I did it. So, it was very easy for me. I liked all the representatives. I worked with three different ones for different things and they were all great, even though they were all located in different parts of the country. My agent was clear, concise and friendly.

We sold our home in California to move to Oklahoma to help our daughter with a business that she and her husband had started. And we got here two hours after she passed away from a bicycle accident. We had started to remodel this home when we bought it and being that she passed away, we had to pay for the funeral. So, we put a lot of money out of pocket and then, we didn't have enough money to finish the house. It was an ongoing event, but we're recouping. And Liberty Mortgage was great. The guy told us upfront the process was gonna take a long time. And it did for the most part. It was all good. So, I would recommend them to help people if they're in a financial situation.

My experience with Liberty was absolutely wonderful. Ryan was very good and so was Rosemary. They kept me updated all the way through. I highly recommend them and they gave excellent responses. The process took a little longer because FedEx lost my package. It was lost for a couple of days in Memphis, Tennessee, which kind of delayed it a couple of days. They had to void everything and send me a new one and have a new notary come out and notarize the paperwork.

We've remortgaged twice but I finally got it exactly where I want it. I also caught it at the top of the market, so I'm happy with Liberty. Now, everything is slowing down up here. The process was smooth and quick. The signing went fast and even my appraiser. So, that worked out good too. I've got a granny flat, is what we call them out here. It's a garage conversion. The kids are coming down for Thanksgiving and they all have a place to sleep and there's a kitchen, a toilet and two bedrooms. There's no point leaving the kids a million dollars.

During the application process, some of the stuff was redundant and time-consuming. It went from one thing to another and going back to the other, so it was something that I didn't enjoy. There could be a little bit forward information on what would be needed. They provided a list of things. I worked on the list and was constantly asking was there anything else. Of course, there was. Being transparent on what's necessary was lacking. But on the flip side, the gentleman that helped me out, Richard, was extremely patient with me and took me off the ledge numerous times. He was outstanding. At times, I got a little bit loud. I wasn't using profanity, but he could tell that I was frustrated. He never crossed the line. He was respectful.

The agent who assisted us, Elizabeth, was excellent. She was so personable, kind, and concerned about my worries. She put together a package that would come through that would also help me save this house. She worked around the clock to save my life, my mother's life, and my husband who's been here with me all these years. My mother at her age couldn't understand what was going on but Liz would take her time on the phone with her and explain everything. A tip of the hat to Liz.

We had a glitch with an appraisal. I had one done three weeks before I did the process and they wouldn't accept it for a reverse. That slowed things down. Other than that, everybody was really friendly and knowledgeable. I was comfortable working with them. Doing so made things a lot easier.

I went through a long process with Liberty and they led me through every step of the way. There was a negativity on my credit file that I needed to clear up in order for HUD to clear the loan. Liberty told me what to do and how to do that. I did and it was able to move forward. They sent a notary public to my house and we closed on the loan. I received the initial payment that I asked for. I've taken additional money out and it's been fine. There was a hiccup here and there, but nothing would stop me from recommending Liberty Reverse Mortgage.

The process with Liberty seemed to take too long but it really wasn't. It took about a month. The first guy we talked to said he’d be with us for the rest of the whole process. His name was Robert and he seemed to be knowledgeable and personable. But he got transferred someplace else and we ended up with somebody else. That person turned into somebody else. That was the only thing that got me. Once they're telling me they're gonna be with me through the whole thing, then that’s gonna be with me through the whole thing. The one we have now is Leah and I really like her too. She's very nice.

The experience with Liberty Reverse Mortgage was good. It's always surprising how much information you have to provide, but they handled it well. The people were very capable. As with anything else, there were a few problems where things were sent in and they couldn't find them right away, but they showed up later. What would have been helpful for me was if they had provided me with a sheet that said, "These are the things we think you're going to need. We may need all of them or some of them." This way, you don't get any surprises. Some of the surprises were a little concerning.

I talked to Blake and we talked to somebody else in the California Group. We sent all the paperwork and had all of the inspections done. We documented that and sent it to Blake. The next thing we know, we got the money. They shorted me $1000 but it was a good experience working with them.

Liberty Reverse Mortgage was always very professional. And if they told me they would call me, they did. And everything went fine. They answered everything to the best of their ability and met everything I needed. The rep was very informative and right to the point.

The application process took a long time. We started in June and we didn't finish until October. Also, they changed along the way. We were applying for one loan and they found out toward the end that whoever the insurer was wouldn't insure it and didn't take care of any homes less than 500,000. So, they had to scrap the application and we started all over again and had the house reappraised. They rushed the way through and it wasn't too bad after that. My rep Janice was great. She stuck with us all the way to the very end. She kept in contact and gave us appraisals and updates. She really felt bad when it all fell through that first one but she said, “Well, give me a little while. Let me see what I can come up with.” She came up with the next one which turned out to be much better anyway.

They did very well. I had Leah as my rep and she was very good. They took all the stuff from my previous mortgage provider and they had it transferred to them. I had very little to do from that part on. With Liberty, I didn't have to take any money out of the bank to put a roof on my house. Leah was wonderful the whole time. I'd leave a message and she would return my call. That made the experience very nice.

Everything was taken care of, and the credits came through that were supposed to have been. They said if I got my counseling, they would give me a $50 credit. So I went and got my own counseling, and found a place that did it for free. But they told me to do it, I would earn $50. The gal that I worked with at Liberty seemed to be combative the whole time. I had to explain the way I do business and what I expect from her. She never knew anything. She always had to talk to her boss about it.

The gal that I talked to originally at Liberty seemed very knowledgeable and it just clicked. My loan officer now is Sabrina. She's very helpful. She answers all my questions. She's very impressionable. She's a good gal. I'm very happy with her. She was on top of stuff. As soon as something happened, she was on the phone. She was very Johnny-on-the-spot. She paid attention and I didn't have to call her and say, "Well, what's going on?" or "Did you get it yet?" She called me and said, "I've received it and now we're moving forward." Liberty was very helpful in the process, and it moved very smoothly. I was very happy with them. I'm getting things done now that I've been putting off and I have that cushion behind me.

The process took way too long and then in the middle of it, the woman that I was dealing with quit, so someone else took her place. Then Liberty had to pick up and start all over again. So, it got done, but it lasted forever.

The first time I went through at Liberty, the loan went through in three weeks. It was a great transaction. This time, it was terrible. It took Liberty over five months to get the loan through. The people that they had hired were idiots. They didn't know what was going on. They fired two of them. I gave information to them four times but they weren't happy so I had to go through another route to get them the information. I would never ever deal with them again. This one went through but I wouldn't recommend them to anybody for anything.

I worked with wonderful representatives from Liberty. They simplified everything. You always get questions and they were always available. They would call me back and always give a clear understanding of everything.

Liberty Reverse Mortgage was the only one sound to me. They went to work. I would call the rep and he would answer. If he didn’t, he would call me back. The only thing I would have liked is to have got a bit more money out of the deal.

I went with Liberty because of their reputation, but I got very disappointed in how they handled it. Instead of a normal smooth close, it took almost three months because of their underwriters. My wife had a medical letter from the doctor that her rheumatoid arthritis was so advanced. The letter was three years old. They wouldn't accept it because they said arthritis could get better. Arthritis does not get better. It just gets progressively worse. I spent a whole week getting a new medical letter for the wife to satisfy their underwriters.

It wasn't very good with Liberty. We started in July, and we just finished it about two weeks now. Every time we were sending a document, they kept coming back. We had to send in more and more. The people that are giving information should be more informed. For one thing, they told me, “I'm gonna send you some documents here. It's only six pages. You gotta fill those things out. What did I get? I got 102 pages. It was a lot of confusion like that. It was a mess. I wasn't happy at all.

Liberty’s application process was fine. But the underwriter was pushing me in areas that I couldn't really help. So, in the long run, I lost about $7,000 or $8,000 due to them. Because rates were going up and she was holding me back for something that I couldn't change and ended up accepting anyway. But the person that was presenting my documents to the underwriter was really excellent. Everything went well.

This company did a Hard Credit Check on us for a Reverse Mortgage that we did not apply for with them. Thank god I have notices from the Credit Bureau. We had to freeze our credit profiles and file a FRAUD CLAIM. BE AWARE.

Liberty has the best rate. They did what I wanted and got me what I needed.

The rep that we worked with initially was named Christine. She was very pleasant and patient. We did parts of the process online and parts of it on the phone, and it was easy.

For the most part, my experience with Liberty has been positive. I just got done refinancing a couple of months ago, and I ended up with some glitches, errors, and a couple of things that I wasn't really thrilled about but I'm not much of a complainer. The main thing that I was unhappy about was that they demanded that I have proof of flood insurance, which was fine. I understand that because I do live on the river. I renewed the flood insurance policy just so that the refinance could close. Then two weeks later, I get a letter from them saying that if I didn't provide proof of flood insurance, they're gonna buy it for me. So, then I have to go through the whole process again. When I called them, I gave them the flood insurance information.

Liberty’s application process was very easy. I called them and the loan processor that I worked with was able to walk me through what I needed to do and guide me into what I had to accomplish to get counseling and all of the other things before the mortgage could continue. I had daily contact with them until it was completed. Working with Liberty made things a lot easier. They were the best out of three other reverse mortgage companies that I spoke with.

Everything seems to be going along smoothly with Liberty. My checks are supposed to be here on the 1st and they are here on the first of every month. I talk to them all the time. I call them if I needed something.

I called Liberty. I knew what they wanted, and my husband and I talked about it, and we went with it. The loan officer answered all my questions and whenever I call, he got back to me.

I had a good experience with Liberty. We got good communication back and forth. We have a house worth close to $2 million in Florida with no mortgage. We just wanted to tap some equity without having to increase any monthly payments. The process took a couple of months. There was a lot of information that I had to provide that I never thought I'd have to provide. It's all related to the government and its requirements. I did have a problem when I cashed the first check at the bank. They put a stop to it because there was some history that the bank found out from the check writer that wasn't favorable. They wouldn’t cash the check right away. It worked out fine. I got the money.

The process took a long time because I’ve been ill, so I didn’t get the paperwork in on time. But they called all the time. I had a good experience with them.

I had a reverse mortgage from Liberty and I refied it. The same guy worked with me and 90% of the process was the same one that I had back in 2017. All we had to do is update it. Liberty had good people to deal with. If I had any problem, I could call them. There was some young lady I was doing business with there, besides the loan officer, and she would either find me an answer or give me an answer.

The representative I worked with was Steve and he was awesome. He kept me up to date and walked me through everything. Every time I was confused, I called him, and he had the answers for me. Even when I had problems, he solved them for me.

The refinance process was long but good. The rep was nice and helpful. However, we got the loan approved and now we're getting all kinds of mail from Liberty. They want us to take out more insurance.

Their portal was great. The reverse mortgage went really smoothly.

Some of the people I worked with was okay. But the process was long and drawn out. There were things that kept coming up. They needed this and that. But for what I was familiar with, I was satisfied with the whole thing.

The process was very good. The rep was very courteous.

Liberty Reverse sent an offer in the mail that I liked, so I called them up and we took it from there. My rep was terrific. The communication was top-notch. I had an almost bankruptcy that I had to have so I had to add up a whole bunch of extra documents because of that. But that's not Liberty's fault. Everything other than that went smoothly. The rate was good. I don't think I could have gotten any better anywhere else.

I like Liberty. I've refinanced my home three times and I had successful experiences with them the previous two times. The closing was straightforward and easy, and I got what I wanted. I like the way they do business. They're very punctual and keeps me updated throughout the whole process. I'm a good customer so they give me good rates. The reps are very professional and I appreciate that.

It was an awful lot of paperwork. This was my third reverse mortgage, and I never had to go through all that stuff we had to go through this time. I was also hoping the rates were a little lower.

The reverse mortgage process with Liberty went fairly fast and it was great. The only concern I had for a little bit was my first contact person wasn't available. But his backup person was and I talked to him at the end. It went very well. The communication was excellent and I got a response anytime I emailed. It was an easy transaction and it went very smoothly. I wish I had done the reverse mortgage a couple of months earlier because I would have dropped another percent. But that was my fault for not responding to their advertisement.

I had a very great experience with Liberty Reverse. They were so very helpful, and they are the politest and most patient people I've ever dealt with. The ladies I spoke with guided me through everything at such a wonderful pace. The application was a little time-consuming, but they told me right upfront to expect that. Also, any time I hit a hurdle, I could call or email them, and they would email me back on what to do. So, it went really smooth. I've enjoyed the rate and terms very much as well. It helps me tremendously.

I had been considering selling my home. But I really love it here and working with Liberty enabled me to stay here. The sales agent, Mike, was very responsive and all of my communications with him was excellent. He was very competent and he never let me down. But the mortgage process was pretty frustrating because so many documents were required. And some of them had to be sent in several times because they got lost. Usually, that was stuff that Mike had forwarded to the other side where they process stuff and they would contend that they never received them.

I sent in the paperwork for the repairs that had to be done and they never got them. I sent them to Ryan. He told me to send it to him. They wouldn't accept it. Now, he's got to send it back to me. I got to turn around and send it back to somebody named Taylor. The agent was fine. It’s just the process was sloppy and slow. It ended taking a couple of months. Every time I sent in something, they wanted something else. That was very frustrating. I almost canceled twice. Also, the money that was set aside for repairs was low. I paid 1,200 and they only allowed $800.

Everybody was very courteous at Liberty. The reps were very nice. They came across to me that they knew what they were doing. Everything went pretty well, too, with our refinance.

The thing with Liberty that I found a little discouraging was that I would call and I would not get a call returned and that it took four months for me to get this reverse mortgage and that was extremely long. But as it all turned out, I got the reverse mortgage, so now I'm putting a new roof on my home and new windows in it. I am very happy.

The first person with Liberty Reverse Mortgage that I spoke with was professional yet likable. With him, everything was great. He went above and beyond. It was toward the end when everything got messed up. There were a couple of other people involved. They dragged their feet and made me do extensive amounts of repetitive work. They were not somebody that were inclined to do things expediently or answer me expediently.

Applying was relatively simple, and Liberty Reverse handled everything in a professional manner. The process didn't take long too. The rates are high, but then that's what they are right now. So I assume that they did what was the going rates.

The reps were excellent. Darrell and the other young lady, the process person, were very professional. However, when things went through, I didn’t hear anything about it. I was waiting on my August house payment, and I didn't want to make it if it was gonna go through. I went ahead and looked at my mortgage company that I was with, and it said, “Congratulations, your house has been paid off.” I thought, “Okay, everything must have been approved.” The communication link would have been helpful. Otherwise, it was a good experience.

My experience has been good. Sometimes a little frustrating because all the paperwork wasn't getting where it was supposed to be getting to. But all in all, I was very pleased with the professionalism of Jim and Victoria. Very good people. The interaction with Jim was terrific. He was always willing to answer my questions, give advice, not telling me what to do, but explaining my questions and answers.

The process with Liberty went all right. However, it was a little frustrating to try and explain to them that we wanted all of their requirements at one time and not piecemeal. We didn't wanna have to jump through this hoop and then wait and then jump through another hoop and wait. We wanted to know everything that was required so we could get it all done and not be sent down some trail that would cost us money all the way down and then find out at the end that there was something that would hold up the process or not allow the process to go through. The rate that they based their initial rate could also have been a little lower.

Liberty's reps were very personally oriented, and they were prompt and efficient. Also, I looked online and I talked to a couple other people about their rates, and the ones I got from Liberty are just right where they're supposed to be.

The application process at Liberty was a little long, but it was okay. The reps I worked with were helpful. Ronald was a nice person. A lady also would call me to check on whatever it is that I needed to do, to see how I was doing with it.

The rate and terms of Liberty worked for us. It was favorable. The process took longer than expected, though. Communication could also have been better, but it is what it is.

I had a good time with the Liberty rep I worked with. The rate was fine, the only problem I had was that they took an awfully long time to close. They tried to raise the margin on me by the time it got to the end. But I insisted on the original margin and they gave it to me.

The people at Liberty that helped me were quite efficient. The one downside was that the random selection of the home appraiser was awful. The guy, first of all, did not live in Eugene. He did not even live in the area. He lived out on the Oregon coast. He came in with a ridiculously low appraisal. In the end, it didn't make any difference to us. But the reps were excellent. They were very responsive to any questions. Eric was very good at explaining everything and stayed in touch.

The process at Liberty was hard and it took almost a year. I was in a lawsuit and got kicked out. A lot of things were in my name that weren’t even supposed to be in my name. The people out in California did a fantastic job of checking it out and following through with it and got it cleared up for the title places. They turned it over to Rosemary but Rosemary didn't know what she was talking about. I had to get a survey because the appraisal came in at 165 and it’s because of improvements and it was two pieces of property. I have to get a survey in order to prove that the property is worth that.

The process at Liberty was time-consuming. We went back and forth quite a bit. I provided all the documents they asked for without delay. It seemed like it took quite a better time to get a final decision on things. I was led to believe one thing at first, but the time the closing happened, it was not nearly as good as I was first led to believe. The amount offered as far as cash upfront was drastically reduced to almost nothing.

The application process with Liberty was thorough and during the reverse mortgage process, whenever I needed to ask a question, the reps were always available to me. So, it was very helpful.

I had a reverse mortgage with Liberty and I was redoing it for a better interest rate. However, there was something that was a little frustrating in obtaining some of the documentation. I would send something in, then it turned out it wasn't the right thing. There was a problem in that I had gotten married and changed my name and forgot to let Liberty know. Ironically, I changed it back to my original name so I got to do that all over again. But I expected that to be a little bit of time because the name on the deed was different from my legal name. Overall, it was an okay experience, but I got frustrated with the underwriter because they kept asking for little nitpicky things that made time go by, and as time went by, the interest rate changed. I don't think I got the interest rate I could have gotten had things been made clear in the beginning. There needs to be clear communication on what documentation was going to be needed.

Marie was our rep and she was great. Communication was top-notch. It is way easier to do this reverse mortgage with the company you're already with. There are technical things that they can overcome that would be really difficult if it was a refinance from the same company that we already had our mortgage with. With the appraisal process, they have to send notaries to do everything. They're in California and we're in Loveland, Colorado. An appraisal guy came down from Wyoming, which really surprised us. But that went pretty smoothly.

I've recently done my mortgage again and taken out a completely new one. I did a payoff on the old one and Liberty messed up the documentation to the point I'm ready to contact an attorney. They had the amount rolled off by $100,000. Supposedly, they're working on it. But I need something to take to the auditor's office saying that they screwed it up. Otherwise, my taxes are gonna go through the roof and it's going to be based on their screw-up number. I'm not happy right now. I sent an email today to Tom, the head of the consumer department, telling him to correct this ASAP. If I had not been contacted by my auditor's office in the county, I would have never known that they screwed the paperwork up so bad, because what they filed with the auditor and what I have in my files is not the same paperwork.

I enjoyed working with Robert upfront and his team at Liberty. The underwriting was good but on the back end, we had very limited time to make the decisions and didn't get a lot of expedient responses. I didn't get any responses on some of the clarifications that we requested. So, after the deal was closed, it felt like they were done with us. We started in February and we closed in May. We had to jump through a lot of hoops. Some of it weren't apparent upfront and partially, some issues on our end as well. But the counseling was very helpful. The counselor thought we could have gotten a better deal and didn't have time to go through it and negotiate. There was another fee that was there and it seemed a little high from what I’ve heard.

They asked me to give them an estimate of what I thought the house was worth. I undervalued it by $20,000. They worked out the basic numbers and said, “Yeah, that would work.” Unfortunately, this was back before all the interest rate changes started. One thing that was kind of irritating though was I had to go to a class on what reverse mortgages are. That took the longest time to get because there were too many people trying to get reverse mortgages. I waited almost a month before I could get an appointment.

The application process was easy. The lady that we worked with, Joanne, was extremely helpful. She used a no-pressure voice, and she was informed and could answer the questions that we had. The guidance we got was thorough. The fellow that Joanne passed us off to, Charles, was also very competent. He was able to answer questions and take the application to the review process and all of that quite well.

I was playing middleman for Hilda and the process was long. It was a lot of back and forth information. It was a hassle as far as sending documents out and not getting received or it was too blurry. But as far as the reverse mortgage goes, it's a fair deal. Right now, I got four sets of different documents that came in. Every time something changes, there's a whole other set of documents. I've been kind of confused on what the rep said was the deal and what she said is the contract. The interest rate changed and they sent me another copy of everything just because something changed and they do it again. The last one was with the appraisers or the notary, but they didn’t send anything.

I dealt with three people and all of them were fantastic. They were really helpful and very professional during the process.

The rep explained everything in simple terms, so it was easy to understand what he was telling me. I didn't feel pressured. He explained things to me about what would be going on. The only thing that I wasn't expecting was I wouldn't get everything now. I would get part of the funds in a year. But it was okay.

The application and underwriting process was a little bit of a headache. They would ask me for one thing, which I would send to them, and instead of asking me for everything they need upfront, they would call me back a little bit later and say they need something else. Also, they didn't always get back to me right away. Then, once I did the closing, I didn't hear from them again. I kept requesting a payout and they finally told me it was another company I had to go to for my payout. They should have told me that and who to deal with upfront. But they were okay and I felt comfortable working with them. My experience was good for the most part.

Working with Liberty was great. Communication was very good. They were polite, kind and caring. However, it took way too long. There was too much paperwork. But the outcome was good.

Working with them was pretty confusing. They told me one thing and then everything changed. Then they sent papers and then those got lost. It was a lot of hassle. Other than that, everything was okay. There were no mistakes at the end. They were patient enough to put up with my crying.

Liberty sent me information about updating my loan. I called and the gentleman I was originally in contact with was very helpful. We talked through a few of my concerns and decided to proceed. The process was easy and straightforward. There were several people who helped me along the way. But there could be more clarity on when we could expect to see our first statement. It's been over a month now, and I don't think we've received a statement from them. Also, the letter they sent me offered a $200 gift card for refinancing. We're waiting for that too. Other than that, all my interactions with them from the initial issuance of the first loan have been problem-free.