Liberty Reverse Mortgage Reviews

I went to one of the sites where I entered the information. I wanted general information on the line of credit that I was after and Liberty was one of the first ones to respond. I got a couple of phone calls from them. I checked them online. Then, I followed up and talked to them and had pretty good experience doing it. My wife had passed away a little before that and I did not probate her will because she only had one or two IRAs specifically in her name and everything else was common. So, there were a couple of additional forms that we had to do in the process, affidavit of heirship and some things like that. So, it took a little more. Liberty uncovered the need for those. They worked with me to get them worked out. They helped me on the legal side of it, finishing things up.

I got a call from Chris. He said that he knew I was looking around to do some refinancing and he thought he could help me. I had worked with some other outfits that I wasn’t too happy with some of the outcomes. But I found that Chris was pretty straightforward in what he thought he could do, so he asked me if I wanted to proceed and I agreed. He handed it over to a lady called Peggy and she was very easy to work with. But it seemed like every time I provided some information, they needed another piece of information. It would’ve been a lot easier if she laid it out quite straightforward with what I needed rather than doing it bits and pieces but we finally got through it.

I really liked Liberty Home's rep, Amica. I had confidence in her from the beginning. I had previously talked to another agency and there, it felt slick and sleazy. On the other hand, I liked how Amica didn't pressure me. She answered all my questions promptly and helped me think through some of the questions I had in terms of whether or not a reverse mortgage was the right thing for me.

My mother-in-law is 99 years old and has dementia, Alzheimer’s type. She’s in her own home, but she has caregivers round the clock. We live about 300 miles away and she was running out of money, so my wife chose a reverse mortgage for her. When you come up online and look through, you get the best Better Business Bureau ratings. It was mostly complimentary and Liberty looked like a straightforward shooting company to me. So far, it has proven to be. Greg was excellent. When anybody else got involved and didn’t seem to understand, he jumped right in and made it right. He’s a sales guy and he didn’t have to do that, but he got me through the process step-by-step. Everything’s working well.

Liberty did everything I wanted. When I looked at different companies, they were rated high, so I picked them and the reverse mortgage process was good. It took three months. Eric was the main rep, but there were a couple of them and they did a good job.

Liberty Home seemed to have an easier process and they seemed to offer more things the more I read about it and compared. Their customer service is really good. If I was reading any of the literature and stuff, I could call and they’d explain it to me. They listened to me and they made it easier for me to go through all the terminology. When I got an appraisal, I thought it would be a little more to myself. I knew that they’re a company and they're trying to make money. Sure enough, when the appraiser came out, it was more but it worked out. I thought about just settling outright and going to Florida. But I like my house and it's in a good neighborhood. So I decided that going through this lending process with Liberty was the best thing. It gives you that little sense of stability. I can stay here and have extra cash to do some work around the house.

I needed some fast cash and it’s gonna probably be paid back in about two years. I was looking online when Liberty contacted me. I had a good interaction with the rep but the application took longer than I thought. I was not in a big rush, but if I needed more time, I’ve got it. Basically, my mind was already made up because I knew I wasn’t gonna keep the loan ’til I died, unless I died quickly. And if I kept it for 30 years, the rate is rather high or more than my house would sell for. That’s why I’m gonna pay it off so quickly, ‘cause their interest rates is astronomical. Whenever I called my loan officer and if I left him a message, he would call me back before the next day. We’re on different time zones so if he thought it was too late at night, he would call me back the next day.

My experience with Liberty Home was okay. The only bad experience was the first appraiser. He was about 50,000 low, while I was right. He appraised it at 520 and the other guy appraised it at 570. But that's not Liberty's fault. I know they have no control over the appraiser that was chosen. The process took a month and a half, a little longer than it should have, but we had to have two appraisals done in the house. But it went fine after that.

We worked with the Liberty Home loan officer, Margaret, and had a good experience with her. We had a lot of things going on but once we got to close and everything, it was smooth. I would like the rate to have been better and I wanted a fixed rate, but we ended up with a fluctuating rate. After the closing, it took a long time for some of the items that Liberty paid to clear. The taxes were paid, but the insurance hadn’t been processed as it should. I just got a notice that my homeowner's insurance would be canceled for non-payment on December 31st. I called the agent that we dealt with locally and told him about that.

I liked the communication I had with Liberty. The application process was lengthy, but they were very pleasant. My rep was great. The process was probably a little bit longer than normal, but it was because I could not provide them with a form that they were asking for. But once I did, they were okay. Overall, my experience was fine. The new rates are wonderful. The interest rate is way down.

I was interested in having a reverse mortgage, and I spoke to the person who was in charge of telling me all about it. Elizabeth did a good job in telling me what it was all about. I was apprehensive about not understanding the whole procedure. She got me through, because I was gonna not do that with Liberty. She was very clear and concerned about giving me the best. However, the process was too tedious and too long. It took about four months. When I did a reverse mortgage with another company years ago, it was sort of personal. The man came to my home and we were able to discuss things. This was awkward for me because there were so many people involved here, calling me up, wanting to know all kinds of things. It was not a personal type of thing. As much as Elizabeth helped, everything was on the phone.

Our second mortgage with Liberty several years ago was handled very well and they were very efficient. It’s just that the loan rates have come down and we are paying about half as much interest now as we were before. I dealt with two people, Brian and then Richard. The application process was with Brian and he did a fantastic job. It's the best I've ever had. He was so professional and on top of everything.

I wanted to get some bills paid. Liberty didn’t offer the same benefits and I got a reverse mortgage from them. The application process was good and I had help so it was easy. They also came to my house and helped me, so everything worked good. We took about an hour because I asked questions. They answered all my questions, and then they helped. If they couldn’t, they find a way they could. But then I heard on television where they’re a rip-off and something was said about one lady and the interest rate. Yet maybe not on this one. And I didn’t know if each time that I wanna draw out, if I have to pay another closing cost or not. Still, everybody’s really nice and it went on smooth.

We had a reverse mortgage before and the person that did our reverse mortgage the first time was Liberty Home. Recently, we needed to get some money out of the house for some repairs. Our experience with Liberty Home was fine but they had a few problems back and forth. It should have been shorter, but there was miscommunication. Liberty Home needs to improve the people in the background. They need to get a little more on the ball in what they're dealing and what they need because that's where the rep had most of her hang-ups and her problems. But it was fine. What impressed me about their rep was when I gave her a call, she tried to get the answers right away.

For the expenses that I need every so often, reverse mortgage would be the only income that I could go and have available. I received a Liberty Home Equity Solutions advertisement when I was looking into reverse mortgage. I read about it and I inquired about the benefits, etc. Their application process was long. There were a lot of things to do, read and understand. It was complicated and and discouraging. Perhaps that is mandated by different regulations and government. But all the information and reading every page is just too much for a common person. If you want to really be serious, you need a lawyer, an accountant or some person to sit down and go over, to help out.

My friend and I moved in together many years ago. We wanted to buy a house, so he was going to pay for half the house. Unfortunately, before he could have his money released, he passed away, so I had the full price to the house. I went ahead and bought the house out of my own money and that was all the money I had. So, I thought if I do a reverse mortgage, I’d be here at the home forever and I have some funds to keep going.

Someone was slow in getting some things done that I felt it could have been done a whole lot quicker. From the time we started until the time we were finished, it was about two and a half months. The rep was okay, but a lot of times, he was supposed to call me back and I wouldn’t have to reach back out to him myself. I also felt like the rate could have been a little bit more than what we received. At 148,000, I should have gotten more than 80 something thousand.

We liked the specific loan programs Liberty had. The application was fairly easy. We just gave some basic information about the house. The application and approval took about a month to get approved only because I had to procure a lot of documents. But once it was approved, it went by pretty quickly. The loan rep was great. Overall, I’m happy with the rates and terms I’ve received. More communication between the loan processing and myself could be a good thing because I need specific information. An email would be good as you go instead of doing it all at once in the end.

In 2016, we did a reverse mortgage with Liberty Home Equity and then we did it again for the refinance. And because we’ve done it before it was very easy. We emailed them, they did it, and it was done after a few weeks, which was not very long. Everything was great with Liberty. They were all wonderful people.

Liberty Home's reverse mortgage application was very professional and well prepared. I was very impressed with it. They were very considerate.

I had three options, and I kept on waiting for somebody at Liberty to give me a quote or communicate with me to ask me what my choice was. Since I had never done this before, it was lengthy and it involved a lot of questions that never got answered. It was a week ago that the finances came through, and that was a very long time according to them.

When we checked into Liberty Home, we liked what we heard. We were doing some remodeling on the house and used a reverse mortgage to finance it. We talked to the people on the phone, then we had a notary public come out. They had a paper for us to fill out. At that point, we had to set an appointment and talk with HUD. We had an interview with them, then, once we’ve agreed on prices, they sent another notary public with the final paperwork. We locked it in at 4.56%, which we were very happy with. It was two months by the time we did everything. We had two different appraisers and Liberty didn’t wanna take the first the first appraisal. We knew it would take time, but they constantly kept us abreast of what was happening and notified us by email or by phone.

Liberty Home Equity Solutions was very nice and their application process didn't take that long. I also went to another company, but they didn't seem to have their ducks in a row. And they were not professional. Moreover, Liberty's terms and rates were better than what the other person offered me.

I had a floating mortgage and wanted a fixed one. I decided to go with the company that I've been with, which was Liberty Home Equity Solutions and I found them to be very good. There was a whole mix up to start with, but we got that sorted out. Another company was trying to get their foot in, which I canceled. In the end, I was getting the two companies confused and one can imagine what a to-do it was, but Liberty was very helpful and efficient. The application process was easy. The first guy I worked with was very helpful and if I needed anything, I just called him up. Also, the loan officer explained things that I didn’t understand to me. Since using Liberty, I got what I wanted.

I was looking for reverse mortgages and went down through Liberty Home Equity Solutions. There was a long list, and I went to Better Business Bureau and they give them a very good rating. I went for a reverse mortgage for social security. I got rid of almost $250 payment, so that helped a lot, too. Then, I figured I got a place -- if something breaks down, I don't have to worry about borrowing money. I can just give people a call and if there's enough left in there, they will just send it to me.

There was a little trouble in that they had to have it appraised twice because it turned out that the first person they hired didn’t have their license renewed. So it took a couple of months to actually get going. The process took about two and a half months. It took them a long time to figure out what was going on and get it taken care of before they sent out the second appraiser. I didn’t need the money right away, so it wasn’t a huge concern, but it seemed like it took longer than it should have. But everybody was very nice. During the application, there was a lot of paperwork but there was someone here to help you with it. So that went fine.

After having used Liberty before, I did a refi recently through them for a lower interest rate. The experience was very different this time. Some of the people they used to put my refi together made it a confusing time for me. One portion of the process was in Sacramento and the other portion was in Michigan. I was overwhelmed because at the point I started the request to refi, people came out of the woodwork. So, at that point, I'm trying to deal with them, I'm trying to deal with Liberty, I'm trying to tell others I'm not interested. I had 12 questions from 12 different entities and it was a head-scratching kinda thing. Still, I went with Liberty and we made it.

We had a home equity loan that we wanted to get rid of and we just wanted to free up our cash. We decided to go with a reverse mortgage with Liberty. The representative that I spoke with won us over right away. He was very thorough, very easy to work with and answered all of our questions. He was always helpful and he was always calling to say, "Things are going this way, things are going that way, everything looks good." He was very positive. So we were happy. We had talked to other people but we stuck with Liberty. The thing that we were impressed with was the speed that they pushed it through. I understand that sometimes, it can drag on for a while. But once the process got started for us, the people that we worked with were on top of every single step and completed it in what we thought was record time.

My husband and I decided that we didn’t want to have a mortgage when he goes into retirement. We went with Liberty, since they did a reverse mortgage for me about four years ago, and their service was quick. From beginning to end, it took four to six weeks, because the underwriting had changed so much. But it was almost like a regular loan. They had little questions, and then we got what they needed and they processed it. The original guy we worked with was great and very thorough, and he gave us good information. The processor was good as well.

I was browsing on Google and I hit Liberty first, and I liked them, and so I stayed with them. I was thinking that I might need a little more income every month so I decided to look into a reverse mortgage. I talked to Christine and she was very persuasive and very informative. She answered all my questions, was easy to contact and she called me back when she said she would. We had some problems with some defects that the appraiser found. One was the commode, he said wasn’t functioning. I had to go through a rigmarole getting that all settled, but Liberty was just following orders really. They had to go through all that process because the stupid appraiser didn’t just ask me if the darn thing works, and I could’ve shown him that it did rather than he wrote it up. And that was an aggravation, but it wasn’t Liberty’s fault.

Liberty Home Equity Solutions explained everything about the mortgage process to us, so we didn’t have any remorse about what we were doing 'cause we were sure of it. If we would have questions, they supplied the answer to us. It took about 45 minutes to do all of the applications and everything. Based on what they asked and what they seemed to be doing, the process was fine. I was very pleased with the rates and terms of the mortgage the first time they told me about it. And they gave us what they told us. We really needed to do something and Liberty was there to help. It was a relief to be able to do it and get the situation in control.

Everything went good with Liberty Home Equity Solutions. We had a financial issue that came up that we did not anticipate. And so, we had no choice but to take out a reverse mortgage in order to stay in our home and payoff all of our debts, which was piling up. The application process was fine. It was the FHA requirements that kept screwing everything up at first. It delayed the funding of the loan farther than we thought, almost causing a complete financial collapse of our finance. I used to do reverse mortgages myself and there were things that I thought were not gonna be done or didn’t need it when I did it. Things have changed obviously, and they needed some things that I did not anticipate.

Liberty carried my reverse mortgage, and they came out and refinanced it. I did the refi for more monthly income and the process with Liberty went perfectly. I made a phone call and they took it from there. Steve was very nice and patient, and he didn’t get upset with my questions. Everybody there helped.

I did a reverse mortgage with Liberty and everything has been good so far. This is my first experience, and everything went fine. Any time I had a question, the loan officer always followed up and got back to me promptly.

Liberty Home was excellent. I had a couple of problems here and there, but we worked it all out and it was a big help. I had taken out a home equity loan and I had an issue with the bank that took it out. And I just needed to pay that off so I didn’t have to make a monthly payment. Because mom is 98, her health is failing, and I need a full-time aid for her. Without Liberty, I would not have been able to keep her in the house much longer. It was very stressful on my part obtaining the mortgage, but they did the best they could, and we got it done fairly quickly. The loan officer was a sweetheart as well. He was very understanding and very compassionate. I explained to him the situation. He was excellent.

Liberty Home didn't tell me that I was gonna talk to a different person all the time. Nor did they tell me that I was gonna get calls from somebody I didn't even know. All of a sudden, I was with somebody else from their company and I don't know why. Also, their people don't communicate with each other and had me send things two or three times. I felt like I was on an assembly line. I wouldn't recommend anybody to go with them.

I’ve had a lot of illness and I had used up all my funds. I’m 88 and I’d like to stay in my home as long as I live. Getting a reverse mortgage has worked out very well for me. This seems like the only resource that I had in order to have the things that I wanted. I’m able to keep things going regular now. I had to catch up on some things, and I wanted to get my funeral arrangements paid for. I didn’t wanna leave debts.

I contacted Liberty, told them what I was looking for, and they sent me a bunch of documents about the cost. I got counseling, and then I decided to do it. The process was easy but it took three months because I had to wait until my wife was 62. So it was not their fault. I was very comfortable with the process. The reps were good. They answered every question I had, and they were timely. I’m retired and I wanted money for remodeling and I got what I needed. The rate is pretty good. But I hope the variable rate mortgage don’t go up. The only thing I regret about reverse mortgage is it is not a fixed mortgage. Right now it’s 5%, but it could go as high as 10%.

I contacted my Realtor and she said to get a reverse mortgage through a federal agency so I got one with Liberty Home Equity Solutions. There were some others that were cheaper and who had better rates than them, but I still went with Liberty. I called their office and they sent me papers to fill out. Then they sent me an auditor or somebody to go through the papers and sign them. Their application process was long and their form was not very easy for someone to read and understand. A professional has to explain it to you because there's a lot of ifs, ands, and buts and everything else in there. The whole process took a month. I really didn't understand a lot of it, but there was no problem with asking questions because they insist that you do that and they'd answer anything and call anytime. So, they were good for my first experience. Their reps were very friendly and very helpful. I was very comfortable working with Liberty.

I was going through the process of doing a reverse mortgage and I was looking for another provider. I was able to have a discussion with someone that has some experience with Liberty and I wanted to talk to them myself. Once I talked to them, I decided to go with them. At first, I wasn’t too pleased with the rates. But their loan officer was able to go back and understand what I was trying to do and make the necessary adjustments to accommodate it. So, it worked out well. I was pretty comfortable working with Liberty and they made me feel a little better about what I was doing.

I initially called another company but I never heard anything from them. But when I called Liberty Home Equity, they responded. They sent me a letter and their rep was so nice. He made me understand a lot of things and he's still helping me out to understand that bank process is not easy to go through. I've never been through this before, so it has been stressful. But it's okay. The application process was a big job, but it's over. The whole process took almost a month. I'm happy, overall.

Our experience with Liberty has been fantastic. We went for a reverse mortgage as money was dwindling and we didn't wanna lose the house. An advocate talked to us and then reviewed us both, making sure we were of sound mind and knew what we were doing. We went over the situation and then got an appraisal. Once that was in, they got it rolling. They ran into one little snag due to some paper that didn't get filed right for one of my refinances, but they got that cleared up. After that, it was just a matter of closing and everything went really great. I was able to get a hold of someone and if I had to leave a message, they got back with me right away. I worked with a couple of people there who were very helpful.

The fellow I spoke with was sincere and everybody at Liberty was helpful and informative all along the way. Obtaining the mortgage was a good experience. I first started talking to Ron, the rep, over a year before we did it. We talked again nine months later. I made the application out but then, we had to wait for interest rates to come down and the value of the house to go up and other things. The application was only a couple of minutes. It was over the phone and there were many questions to answer. Then I had to send him some proofs. It was underwritten four days later and everything was all set to go but we couldn't swing it because it wasn't gonna work out right with the value of the home and everything else. So, we had to put it on hold for four months.

The first person from Liberty that I spoke with was excellent and a real asset to the company. I had a hard time making a decision and it took me a long time. We went back and forth for about a month and she was patient and knew everything. So, I loved working with her. The rest of it went fine once it got over to processing. It was just a little bit slower than I had expected and it’s my understanding that on reverse mortgages, they have to do more than any regular escrow. Altogether, the process took two months. The rep was lovely and she never bothered me. She never tried to push me and I felt really comfortable working with her. She deserves a raise or a promotion. The reverse mortgage worked out well.

I put in the internet and then a couple of people contacted me back. I called them and Greg was very knowledgeable in being able to do the presentation, He was able to give me step-by-step detailed instructions and the other guy was not. The application process with Liberty has been standardized. So, we went ahead and discussed what we were thinking about, and then we did it. It took five months from start to finish. We had a good piece of acreage and we pulled some of it out to go with the house, and that took extra month or so. Then, they decided that we needed flood insurance so, we had to have an elevation run and get flood insurance, which took an extra month. Still, the rates and terms were good.

My sister told me about Liberty. I had been in business for about 50 years and I had some debt and I had to pay that off. We didn’t have too much money to live on then, so if we could get that in a reverse mortgage, it could save us about $500 a month. By doing it, we can at least pay our bills. It took a while to get through the application process but the rep was friendly and we didn't have any problems.

I needed some more income and I got the address of Liberty from a friend of mine. I called and getting the reverse mortgage going with Liberty wasn't hard after they went through all the paperwork. The application and underwriting process took four months because I had some damage done to my house from Michael, the storm, and they've been waiting on that to be done. Liberty is alright and I just received the first check.

I needed some money and I looked into a reverse mortgage. I talked to a couple of companies like Quicken Loans, and I didn’t like them. One of them called me a liar and I shut that down. I also talked to one out of California and they even advertised it on TV but then, I just quit for a year and never did anything. I was talking to a good friend of mine in Tennessee, and she gave me a name and a number for Liberty. I called it and we did business. I felt very comfortable with it and everybody was very courteous. The process took less than 60 days from top to bottom and it worked out fine. I’ve had a good experience with Liberty and it was very positive. It was very easy, I had no problems going through their process and the people who came to my home were all very nice. Liberty helped me a lot.

I went online, looked for companies and liked what Liberty Home Equity had to say. They explained everything in detail and going with them made things better for me. Everything’s been good.

There were some improvements I wanted to make on my home and I wasn’t able to do it on what I had. I looked into a reverse mortgage and aside from Liberty being more persistent than the other companies, they really worked with me. The process wasn’t as long as I thought it would be. Once the ball got started, it went smoothly. I had some questions on old debts but I explained it and they verified it, and truth prevailed. The reps were nice and we had daily communication. They called me every step of the way such as when there was any type of change or when a question came up. I had a nice experience with Liberty. They helped me out a lot. They were very professional, very patient, and most of all, they understood my hard times when I had them.

I did a reverse mortgage with Liberty and lowered the interest rates by about 2%. I just had to go through tons of paper. It was even worse than buying a car. But other than that, the process was okay. The only problem I’m having now is trying to get a direct deposit. I keep getting letters from Liberty and they want voided checks, which I send them of course. It is going on and we’ll settle it one of these days. Other than that, Chris was very good. He stayed in contact with me during the whole process and the other people I’ve dealt with were fine as well.

I refinanced with Liberty and they took care almost everything, filled out forms, and we conversed back and forth. It was very simple. It took a month or longer but that might have been because we had to fill out forms and mail them back and forth. But it all went pretty smoothly and I was very comfortable working with them. The rate was also better than the mortgage that I refinanced. Plus, if I had any questions, all I had to do is pick up the phone and ask them. They would help me and answer my question.

I'm not an easy customer and Greg, the guy from Liberty and whom I dealt with was very accommodating. The application and underwriting process took several months ‘cause I wasn’t paying that close attention. The process could’ve been difficult, but Greg made it easy. When it went to whoever the processor was, that was where I had a complaint and I told Greg about it. That processor would ask for something that she needed and then a week later, she would need something else and then, a little time more later, she would need another something else. But Greg was excellent across the board.

My husband has AFib in his heart and COPD so he's not in great health. I thought that I might need financial help going forward as far as getting help for him. I felt too that there was a need for maybe some extra money. We were also helping his daughter's husband to go back to school and get a more advanced degree. We availed of Liberty's program and it was a nightmare. If I had to do it again, it would not have been with Liberty. They dragged things out. They told us it would be about six weeks to closing but it was closer to four months. We would have been better off if we dealt with somebody else to start with, but once you got committed and you've done all this paperwork, you don't want to have to start again.

I started out with a reverse mortgage in Florida and my loan was transferred to PHH. I called to see if I could get another reverse mortgage because I was planning on leaving Florida and coming back to Las Vegas. I talked to a gentleman named Eric who was absolutely wonderful and kept in contact with me, as he said he would, until my decision was made. He walked me through entire process. He was wonderful from my first phone call, which was a year ago, and him following up with me in January, like he said he would. He was there from the sale of my house in Florida and gave me encouragement that things would work out. It took me 79 houses in Vegas to find a house, which that was stressful in itself.

Liberty was something I saw on television. I called the 1-800 number and they took the information, and they seemed to be aboveboard in everything so we went ahead and got the reverse mortgage with them. Everything was exactly what they said it was gonna be. We had a gentleman out here that lives in Culpeper and we signed the document and turned them back in. They requested different things from us and I was able to fax them to them and it went along smoothly. There were no surprises, no big delays, nothing unexpected came up, so it was a pleasurable experience. It took a while, but normally those things do. We have no regrets about doing it.

Everything was very good. The process took not very long. The one lady I talked to from Liberty Home was wonderful, and everybody after that was very nice and very good.

It was a good experience with Liberty. We turned 62 and we learned a lot about the process of financing and FHA requirements. In obtaining the reverse mortgage with Liberty, we had to get our personal finances organized. And then we have our other property. So, we had spent quite a bit of time organizing our properties and our income. And that was the more complicated part of putting the whole picture together of our whole financial projects. But they were very pleasant and informative. They were well-informed about the process, and they kept us comfortable going through each step when he was mentoring. We just felt good about the way they engaged us in a timely way, and kept us abreast of each stage that we were in.

Liberty's loan process did test my patience at times, but I would do it again. The whole process took about two months. Working with Liberty has positively impacted my life. They had a job to do and they got it done. I would recommend them to a friend.

My wife passed away not too long ago and so I wasn’t sure what I was gonna do. I started to think about reverse mortgage and I talked with people that were on the same deals. I went with Liberty and I kept on calling Mike as there were problems with the probates. From when I first talked with somebody, with all the paperwork that they wanted and the probate problem, the application and underwriting took four and a half months. Then, the rates and terms I received were fair, which was the reason why I went on with the reverse mortgage initially. So, I'm satisfied. Everything's going good and I’ve been doing a lot of stuff to the house with the funds that I have gotten.

Liberty came up on my phone and my daughter called them for me. We went through them and had the other people cancel out. It took a little over 30 days for the whole process and that was great, considering what nightmare I went through before them when I tried to get a regular refi. Erica, the rep, called me and I gave her whatever information she needed. The next day, they were setting me up to sign off on everything and I was amazed. Everything went smoothly with Liberty and they were excellent.

I called Liberty Home Equity Home Solutions and they explained to me exactly what was going on and how it was gonna happen. They didn't pressure me and I liked the way they handled it. The application didn't take that long on their part. On my part, I had some stuff that I had to do to upgrade around my house for good. It took me a while to do my back porch which I had to redo, buy after that, it went smooth. With the inspections, they came out in a timely manner and everything was good. I wasn’t in a hurry to start with, so I wasn’t pressured for time. I worked with three reps and they were very good. The rates could’ve been better, but that’s just something you have to live with.

Because of my mother's age and financial situation, we chose to put her into a reverse mortgage. Her equity is substantial enough that it would support her for many years. The application process went well. However, the interview from HUD was a nightmare. My mother, who's 85 years old, called for the HUD interview. It was a local phone number in Oakland. Because she was not satisfied with that, she went to the building in Oakland. She got up in there, walked into an office where there was one girl and nobody else. The girl handed her a packet to fill out off which has around 15 pages. My mother started to fill it out and broke down crying for 20 minutes, trying to figure out how to get through it and with how much information they needed. However, the girl wouldn’t come around the counter to help her. There was no help to be offered.

I had a second equity loan with Bank of America. I understand when the loan gets low and mortgage companies are not making a lot of money, they sell it. So, Bank of America sold it to Selene Finance, and it wasn't within a year when Selene started collecting the whole payoff because they said it had matured. I pull them up on the Better Business report and I didn't like what I saw. A friend of mine that lives in the same neighborhood as I am had taken out a second mortgage loan. She said, "Well, have you ever thought about that because I'm sure you've got equity in your home." I had seen the ads on TV but never thought about it much. But I thought, "Well, I'll pursue that."

I saw an article in the Google News about reverse mortgages, and Liberty was one of the top-rated companies. I went online, and there was this little questionnaire thing to see if you qualified. So, I filled the numbers in, and we didn’t qualify because their numbers didn’t go high enough. But immediately, when I exited out, the phone rang, and it was somebody there from Liberty. And they said, “Why don’t we just go through the process? There’s nothing involved. Go ahead and try the application. You’re not obligated.” So, I said, “What the heck?” And he came back within an hour, and he said, “You do qualify. And you know, if you wanna go forward, we can do this with no money involved.” It was very, very easy, fast and non-risk.

I'm getting up in age and I'm on fixed income. I figured applying for a reverse mortgage was a way to get some extra income. Liberty Home Equity Solutions was wonderful to work with, especially Eric, who I was comfortable with. They were good. The process took five weeks and I was given a normal rate. I now don't go worrying at night about paying my bills. I was very satisfied with the way Liberty worked with us and I would recommend it to anybody.

I was planning for the future so I did a line of credit. A friend of mine recommended Liberty Home Equity Solutions and everything went very smooth on their end. I had one little hiccup online but we got through it. The process took three months. A month and a half of that was my hiccup that I had to take care of with underwriting. But other than that, all of my questions were always returned same day or within 24 hours, and sometimes within minutes. Their reps were very friendly and were always there, especially Margaret. Peggy also did a fabulous job and should be highly touted with them. Everything was great and everybody did a great job.

I went to do a reverse mortgage a few years back and I had a very, very bad experience and just dropped the whole thing. Ever since I did that, I would occasionally get emails, because they know you're doing it. I saw something online and I was thinking about doing a reverse mortgage again, and I wasn't gonna use the original company. I went with Liberty and they sent somebody right to my house. They made everything as easy as pie. Even the closing, when they came to close, they sent them right to my house. I never had to leave my house to do any of the stuff.

My 401k ran out and the only thing I had was Social Security. I also had a little bit through veterans, but that was it. My house payment and everything went up and so, I had $50 a month to live on, and that's not counting gas or groceries. I heard about Liberty and people told me they were good and so, we tried them, and they've done excellent. They were right there when they explained everything to me. If I would tell them I don't understand, then they would stop and explain it to me in my language. I'm old school and they explained it to me really well. And then, they kept me informed on everything. I was impressed. If they keep up what they're doing now, they're gonna have a lot of business. Their rates and terms are number one. At least I'm living and I can go do things now and don't have to worry. I had to buy tires for my little pickup and I couldn't do that before, but now I can.

I chose a reverse mortgage so it could help me eliminate a high equity loan, and that cut down by $900 a month. It also set me free to start doing some other things around my house, improvements, which I have already started doing. I felt comfortable enough to go all the way to the end with Liberty's rep. Liberty granted the equity loan, from my credit union, and I paid it monthly. Direct withdrawal.

Reverse mortgage is something that had been in the back of my mind for a number of years, then I looked into it before and nothing came of it. I called AAG first, and I didn't like their plan. And then I spoke to the guy from Liberty and he seemed very knowledgeable and he had worked for AAG previously. We kind of clicked and he gave the right answers and to all of my questions, and that was why we went ahead and get it. His name was Joseph and I really like him a lot.

We needed to take some extra money out and we liked that Liberty could do it faster. They were great. They were able to answer all of our questions and the entire process took three weeks.

There was a time when I needed some money and I didn't want to do a regular mortgage. My septic field had collapsed and I needed a new one. I liked the numbers better with Liberty Home as opposed to AAG and decided to go with them. The application process was pretty easy and my loan officer, Richard, was the best. He got things done so easily compared to other people I was working with. The rep under him, Ashley, wasn't too swift so I would talk to Richard and he takes care of what I needed.

I went through a long process of obtaining my mortgage from Liberty. It took an hour or two. However, that was because we took our time to get everything ready and see what we had to do. During that process, their loan officer was really nice and helpful. We've had a good experience with them so far.

Applying with Liberty Home Equity Solutions was very easy. I worked with Ericka and she called me back when she was supposed to. She did all the work. I also worked with Steve and he was very responsive. I went with the mortgage that had a personal line of credit. While the rate could be better, things have been fine thus far.

Applying to Liberty Home was very easy. I interacted very well with my rep Kurt. He was very knowledgeable and easy to talk to. Liberty sent me a book about my reverse mortgage as well as my retirement options. Also, the rate and terms I got were very good. Things have been going very well with Liberty.

I research everything and Liberty was the first one that I came to and I liked what they had to say. The application process was fine. They sent me paperwork, they explained everything to me, I took the course that I had to take and everything was done in a timely manner. It didn’t take long because I own my house outright, so there was no dealing with a mortgage company. The rep gave me his phone number, and he told me to call him if I thought of any more questions. I did, and he answered them.

I originally got Liberty in 2013 and I just renewed it. I have a 101-year-old mother that I was keeping in a board and care. So, that was the reason for doing it again. I had assistance with everything. The reps were good. All of them were helpful. All the conversations were pleasant. The rates and terms of the mortgage were better than I had originally. It’s nice to know that I have Liberty to draw on.

Liberty Home's application process went fine. And the overall rate and terms of the mortgage were fine. Also, my loan officer did great. He was diligent.

I was looking to get some value out of my home and have access to money for medical stuff if something happened so I went for a reverse mortgage. I went online and talked to Christine from Liberty. I liked her and the service that she offered. However, the process was kind of a pain. They wanted a lot of stuff. It seemed like I’d get everything I thought turned in that they needed then they needed something else. There was lot of paperwork and I was dealing with somebody that isn’t even in the state. They had to get people to come and do all of the paperwork. I also had to have a notary there. So, that was kind of a hassle and the process took probably two and a half months to complete.

I’ve worked with Mae, the rep from Liberty, in the past with Reverse Mortgage Funding and I would recommend her. She was the most fantastic, amazing person in the world. When we did the reverse mortgage, we had some issues and she got me through it alone. But they held it in escrows and I didn't get any money. Mae told me to work on my credit for two years and she would call me back or I could contact her. When I contacted her, she said that she was just starting up with the company she used to work with. She got a hold of me when she was done with training and I went with Liberty. It’s my second time to get a reverse mortgage so I knew what to expect but Mae got through it pretty fast, except we had a problem with getting a buyout from RMF. That was holding it up so I had to call RMF and told them that they had to get it over to Liberty. They said they did but I told them to send it again. Then, we were able to close.

Liberty's application process was very long. It took at least two months. I had to pass their tax requirements and their inspection. The loan officer that I worked with was good. He stayed in touch. With the money I got through working with Liberty, I bought a boat and paid off my credit cards.

At Liberty Home, the reps told me one thing and did another. I talked to the man who was making the loan and he said he would make the loan 4.1. When I signed the papers, it was 4.5. I don't appreciate that. They were good right at first and they told me a few things that were gonna make sense. However, some of those things went right and some didn't. Also, I had a few problems that they come up with later because of my ex-wife and I had to get some more paperwork signed. Liberty's reps should’ve been able to guarantee that somewhere along the line. I’m not happy with the way that the loan was moved up.

We got a reverse mortgage to free up extra money and we saw Liberty advertised on TV. The process took about a couple of months and the reps were great. The people there treated us nicely. Also, the rate and terms of the mortgage were good.

I had black mold in my house and three-quarters of the place was torn apart and put back together. This put me in sort of a bind and because of my age, I'm still working. Since I liked the response from Liberty and they explained everything right from the beginning, I did a reverse mortgage with them. With the loan, this will just bring me closer to being able to retire and enjoy the house more.

I wanted a reverse mortgage to free up some cash and I thought that Liberty had a better presentation. The application process took time and it was a little involved because when we bought our house, we had originally signed up for a HECM, but we got an earlier sale on our prior house and we were staying in a motel that was $200 a night. The people told us that it’s gonna be about two months before they got the HUD and the other government’s SA and what have you taken out away. So, we cancelled that HECM, paid cash for the house, and we were able to move in. After we owned the house, we then got the Liberty reverse mortgage. The loan officer was very helpful, understood that there were complications, and did his best to resolve them. I’m satisfied with the rates I got and would recommend Liberty if a friend of mine is considering a reverse mortgage.

A reverse mortgage was always a part of our retirement plan and we went with Liberty because they got a better rating than anybody else I checked into. Everything went well and I was pleased with everything that Liberty did. They were very helpful. I’m housebound and they made sure I got all the stuff by overnight UPS. I didn't have to go anywhere to sign anything. The process took a little over two months and everybody was very informative and there for me through the whole process. I felt like they were on my side. They guided me through the whole thing and made it as convenient for me as they could. Erika was the one that I worked with a lot and I was very comfortable working with her.

I had a very good experience with Liberty Home Equity. Their reps were very polite and explained everything very well so it would be understood by a common person like me. They're hard to say no to because they're so nice. The process could be a little quicker though. Even so, the gentleman whom I worked with,Ron, was honest thorough and very professional. The terms of the mortgage we got are as good as we could have probably gotten.

My husband passed and it has been six years since then. I don't wanna go get a job at 64 years old being a greeter at a Walmart. Instead, I wanted to stay in my home and do some remodeling. I called Liberty Home Equity and talked to Joanne. She was very sweet and I've been very happy with her. I went to a place in Quincy where they counseled me. The application process only took a couple of weeks too. Thus far, my experience with Liberty has been very good. I was very impressed with the way they treated me. They were very professional people. Now, I'm still in my house.

It would be nice to take care of a few things right away that I’ve been wanting to do as well as to have a line of equity that grows so that when I’m older, if I need to hire help, I have it to draw on. So, I decided to go for a reverse mortgage. Eric, the representative from Liberty who called me back after I inquired, was so good. He answered all my questions and he was responsive. I had good communication with him plus, I was impressed with his caring attitude. I felt like he wanted to do the best he could for me. The application process was lengthy but it wasn’t too bad. After it left Eric’s hands, it moved into the process where you're going through the appraisal of the property and you’re going to closing, and I felt like it got really bogged down and it was difficult. It seemed like there was always one more piece of paper they needed. The person who was handling it, perhaps really wasn't as good at her job as she should've been.

I switched from AAG to Liberty as it was offering $9,000 more. The application process was pretty good. Mike was my loan rep and he was very good. The only thing was I had some trouble with was one room in my house. I used to be in construction myself and I worked on a lot of high-end homes. One of the designs is kind of a Spanish one where a tile is put behind and it looks like a brick. It looks like they're plastered on the wall. It looks really good and I did one of my bedrooms in that.

I wanted to do a reverse mortgage for cushion and I went with Liberty because their loan officer was knowledgeable. It took me a long time to make up my mind and he stayed with me in a professional reminder kind of way. He wasn't pushy, just frequently contacted me, and his presentation was informative. He hung out with me for two years but the actual application process was very fast. And any delays that were experienced were mine. We started and I went away for 10 days. But the company and the loan officer were very fast. The rates they gave me were good, too.

I checked around, and Liberty Home Equity was recommended by a group that I'm affiliated with. The application process wasn't bad except that you had to sign 6,000 papers, and it wasn't all done in one sitting. But the reps were helpful and explained everything. We got the reverse mortgage to fix our house up, and with the money, we're getting more done now in our house.

When we called Liberty, the agent was very knowledgeable. He was very surprised that we knew as much as we did, but he answered all of our questions. And that’s the reason we went with him. The process went very easy, and very fast without hiccups. We were surprised at how easy the whole process was. We would recommend them. I lost my job in March, so not paying a house payment has made our life a whole lot easier. We withdrew some money when we closed, and we made a request for some more money right now that we’re expecting. It also made it easier for us to do a few home improvements that we needed to do, and we couldn’t have done that without doing this process.

The application process to get a reverse mortgage with Liberty was typically laborious but it was in a reasonable timeframe. They were readily available during the process. Everybody was very responsive to us. The first person that contacted me followed up very quickly, and he facilitated the process. We had a bit of a slow down for a while there, but that was due to a need for a piece of paperwork from my previous lien holder. The rate was something right along the lines of what I expected. We got all the money out of it, and that's really nice because we don't need to worry about things like med bills. We got some money there, so if one gets sick, we can address it.

I had a friend go on the internet and look up reverse mortgages for me, then Liberty came up. I called them and I liked the guy that I talked to, so I went with them. And going through it was a very smooth process. It was very good. I didn't understand a lot during application, but they explained it to me, and it was fine. The entire thing took about six to eight weeks, which wasn't long. Eric stayed in touch with me all through the process and I was very comfortable working with him. Everybody that I talked to was very helpful and nice.

I was interested in a home and decided to get a reverse mortgage because that's the best way for my retirement. I started with one of the companies, but when they switched to Liberty, they went through everything. The company is a bit larger to deal with our finance. The application process has been wonderful and the reps have been the best choice. I just do whatever they suggest best. The rate for the house is very satisfactory and I am satisfied with the overall experience.

I got tired of getting loans for every little thing I needed to do. If I wanted a loan, I kept having to get a new one and it’s a lot of paperwork. I’m looking at my reverse mortgage as a loan that’s sitting there, waiting for me to take more if I need it. Also, I’m looking at it as a loan, not as giving somebody my house at the end of my life. I plan on repaying and in the meantime, I’ve got life insurance that will pay for it.

I have so much equity in my home and I'm 90 years old. Getting a reverse mortgage would make life easier for me. My son and my daughter shepherded me through going with Liberty Home and applying went easy. Their loan officer, Katie, with whom I worked with was very helpful and we communicated what we needed to communicate to each other. What I got was expensive but it's what I needed and it has made life better for me thus far. I'm very satisfied with Liberty.

We did a reverse mortgage to have funds if we needed them in emergencies and decided to go with Liberty. The application was simple and though the overall process took a little while, I'm satisfied with it. I would recommend them.

Everything went very well with Liberty Home Equity. They were the first to call me when I thought that getting a reverse mortgage would be the best solution for me. Though the process took the least amount of time, one of the processors could’ve been in the office a little more frequently. I think she was going through some difficulty in her life so she wasn’t in the office. Many times, I could not get through to her. Still, when I could, she was able to address all of my questions and concerns. Their rates and terms were acceptable, but I thought I should’ve been able to get more money out and was wondering why it was just 53%

I saw Liberty online and they appeared adequate. Then I talked to their salespeople and I was impressed with them. They've got some outstanding salespeople. Everybody I talked to was adequate and the loan officers were friendly. But I had no idea that the process was going to be as involved as it was. I can appreciate that when you're dealing with mostly old people, you gotta go through a lot of hoops. But nobody laid it out and told me what I would need to do. I wasn't given a two-page thing on everything that needs to be done. I was hearing advertisements on TV that you can do this in as much as 10 days. As I was getting through it particularly after the first month, I was thinking, "Okay, this thing ought to be over in a few days." But it just dragged on and on. It took me two months.

I needed money to stay in my home. I looked into Liberty and thought they were the best. Though the application process was kinda long and I had a lot of papers to sign, their loan officer was fine and she knew what she was doing. The process took about two hours. However, I didn’t know my loan was gonna be sold 10 days after it was finalized. I needed to call to find out a few things. They said that terms wouldn’t change but then I got a letter saying that I’m not gonna be getting the $500 a month deposited into my account that I was supposed to be getting. I don't understand why.

Liberty Home's loan officer was helpful and informative. Everything went well during the application process which didn't take too long. Their company's rate and terms are fair.

Everything went good with Liberty. The underwriting and the application process took a little while. It was a little drawn out but everything was okay to the end. And they gave me a little more over above. The funds were in the bank. The only problem I was having is the insurance. With my age and my husband’s age, we’re not qualified and we would have to pay over 300 and something a month. I dealt with Liberty before, and I never really had a problem. The only problem that I did have was when they sold the mortgage to Ocwen. I was having a problem with Ocwen.

Our reverse mortgage through Liberty took too long. We went through it all once, and then they had to do it again, so it took about two years. They should speed it up, but our loan officer was knowledgeable.

Liberty Home Equity's application process was good. We liked the way that the whole process worked. I used to sell real estate, so I was familiar with what they were doing and what needed to be done. And they were very good and professional. The loan officer was very personable and answered any questions that we had. The application and underwriting process took several weeks though. It was delayed because we didn't stay totally on top of it, but I know they would've liked to have done it sooner. They were very much on the ball, telling us what we needed to do, but we dropped the ball because of things that were happening here. The rate and terms were favorable. We plan to pay the bill on our loan, but we don’t know if there's a certain amount every month that needs to be paid.

We were very comfortable working with Liberty. It made things much easier. They took us through the process step-by-step and explained everything. It was pretty quick and I didn’t find there was all that much to do. The main person, Chris, was friendly. He always answered. I could call. Even if I hang up and won’t bother him, he always calls back as soon as he got that call. The other girl I dealt with could have been a little friendlier. But everything was really good.

I was very impressed and very pleased with the way everything went through with Liberty. They were very thorough, very efficient, and they always followed up and were reassuring me along the way. They were right on track all the time. During the application, I talked to them so much on the phone. The process and the timelline were very good. And they sent me a letter outlining all of the things I needed to provide them, which was perfect. And so, once I did that, then we were off and running. Everything they did was top-notch.

I needed to get out of debt and get my situation to where I could handle things. I got a phone call from Liberty and I decided to try their reverse mortgage. I thought that it was my chance to get ahead and I felt comfortable with them. Applying for the loan took a while and I knew I got everything behind. The underwriting and application process took a couple of months and time wise, it was kinda hard to get everybody together on the same level. But they've done well for what they’ve done. I worked with their rep, Mike out in California, and he was awesome. All in all, the reverse mortgage has given me a better outlook on my life. I didn’t get enough help on my bills but I can manage them now, so that makes me happy. Maybe I can also get my bills straightened and get Liberty paid back.

I got a reverse mortgage because I didn't have to pay it right away. I'm using the money to build a house. And when I get the house built, I'm gonna sell it, and then I can pay the loan back. I talked to Liberty Home and I talked to AGE. I talked to a woman at Liberty, and I talked to a man at AGE, and I like to give my business to women. So, I took Liberty. I had gotten another loan, and they said that I couldn't get a reverse loan while I had this other loan. So, I had to wait a year. But anyway, they changed it. It went to that I could get the loan and they would pay that one off. So, that was good.

I went online and typed in reverse mortgage. Within about 20 seconds, there was a phone call and I talked to Liz, Liberty Home's rep. She must have had her hand on the phone or something. The application process was long but everything seemed to work okay. I really liked that they stayed with me all the time and kept me informed of everything that was going on.

I needed a lot of work done on my house and I didn't have the funds readily available. My house was paid for and there was no mortgage so a reverse mortgage seemed like a logical way to go. I shopped around and I liked Liz, the agent from Liberty. I liked the things that she said when I talked to her. But the process took four months. The application process was extremely long, detailed and difficult. The ads on TV are very misleading. They don't make it sound like it's gonna be any big deal at all. Everybody was real helpful but even though I liked Liz a lot, she should've been a little more forthcoming with me to let me know, A, how long it was gonna take and B, all of the things that were going to be required.

Liberty made me a better deal compared to other companies. I decided to sign up and we had somebody came out to the house and have it signed everything. It went pretty smooth. The underwriting part took about two days at the most, and the loan officer I dealt with was available. If I had to call in, she answered the phone. She always addressed my concerns right away. I was real satisfied with the way they did it.

I was going on the computer looking for refinancing. I dealt with one refinance company, AAG, back in ’17, and had a really bad experience with them. I just let it go for a while and I figured I’d try to look again. I found Liberty and went on in there, applied and got some information. I spoke with a gentleman by the name of Richard and was very informative. He had a lot of information to give me and he answered all my questions. I felt a little more comfortable going into the process. I had to send in copies of my W-2 forms, my social security, my bank statements, my income, and bills that I had that I wanted paid off. I had to send in property tax too. They took that, did the application, and it all came together.

We already had a reverse mortgage with Liberty. We got another mortgage and the process was relatively painless. The rep was wonderful and caring. However, there are a lot of papers that I have to now shred. There were duplications in the application process.

I had a very good experience with Ken, the loan officer from Liberty. He kept up with us and answered all our questions. Erika, the processor that I dealt with, was also good. She does her work. She doesn't sound warm or friendly. But that’s her manner. And then we were very disappointed that the loan took so long. We’re out-of-state and it started in early February. We thought it was gonna be a month or so, and it ended up going to May.

I needed to get a reverse mortgage done. Basically, as long as I'm working, I’m doing okay, but what happens if I was to give up a job or have to quit, then I need that house paid for. I talked to a friend of mine that has done business with this particular guy which represents Liberty Home, CP. He told me about CP and recommended him. The application process moved pretty rapidly.

I chose a reverse mortgage because my home was paid for and I was able to get a large chunk of money. I did a little shopping around and I talked to a nice kid from Liberty. He did such a good job answering my questions. There was no double talk and he made everything very clear. The application process is good. It's HUD approved and it’s a real good deal. But you have to go through counseling. The little ladies are ripped off so they make sure that you know what you’re doing.

My mom and I had done a reverse mortgage on her house. I’m an old maid and I’m leaving my nephews enough money without the house coming in to it. So, I figured I would get the money out of the house and do what I wanted to do before I kick the bucket. The process with Liberty was simple and the gentleman who walked me through the problem was very nice and informative. The process was not as easy as it had been when my mother and I did it. A lot of stuff has changed and I didn’t get nearly as much money but it was a good experience. A man came in and changed the requirements and I understand that everybody was blowing through the money really fast, but I would’ve liked to have gotten more money back. But that’s okay.

I wanted a reverse mortgage and Liberty seemed more reasonable however, the application process and the closing were both very difficult. They could eliminate the number of documents that you have to sign. You don’t really need those documents and there should be a one-page explanation of the documents. We were there for two and a half hours and I got documents that I’d never seen before. There were 160 pages of documents and they weren’t stapled. The closer didn’t know how to deal with it. I’ve never seen a closing that was as badly handled. I’m a lawyer and it was very difficult to close this deal. I’ve closed bigger deals. Nevertheless, the people I dealt with seemed to be okay and the money got to me when I wanted it.

Terri, my sister-in-law, has very minimal income and she had quite a car debt that was too excessive for her to pay. So, we chose a reverse mortgage as part of the retirement plan for her to pay off those credit cards. There was a lot of document production that we had to do in the process with Liberty and an appraiser had to come out. There were a few things that didn't work out well, which were bothersome. The appraiser didn't show on the day she was supposed to, so we had to reschedule that. Then, on the day of the closing, the title company didn't give the closing agent the information, so he didn't show up that day and we also had to reschedule that.

Liberty did a fine job and we closed everything with just a notary visiting me. In the beginning, I had a guy call me and he got me going. After that, I ended up calling various people in California, all different names and different telephone extensions. It wasn’t a major problem because they all answered the questions I needed and things continued to go around. But once they hooked you, it’s not really personal anymore since you are connected to a big office in California. In the middle of the process, I called a couple of other major refinancing people and they took all the figures and they got back to me and said there was no way that they could match it and they felt it was a good deal. So, apparently, Liberty beats the market.

I had a super loan officer. I was impressed with Liz's attitude, knowledge and willingness to work with me to get me the best possible results for what I wanted. The process was very easy and although it took several months, that was due to me, not anything on the part of Liberty. We had a lot of health issues that intervened and my husband was in the hospital several times. The interest rate is higher than any other company that I had gotten quotes from. But because I intend to live in the house until I die, that was not much of a concern to me. All in all, it went great. Working with Liberty has made life more comfortable.

The whole team at Liberty went out of their way to assist me in every way they could, and I really appreciate it. I'm kinda handicapped and I didn't work for a good while. I had to take an early retirement from the company I worked with and my wife, who had a full-time job, died six years ago. It really made it tough on me. I got my kids over and we talked about it. The only way I know of is a reverse mortgage and that's what I've done. And I'm totally satisfied with what I've done and the people I dealt with.

I didn’t plan on staying in this house forever but my daughter and my two grandsons live with me. They’ve always lived in this house and I don’t want them to have to move or be out of the school district. I wanted them to have stability. But the house needed some work done and being on a fixed income, I really couldn’t afford it. My options were pretty limited if I wanted to stay in this house but I felt good about the guidance I received from Liberty in making my reverse mortgage decision. I had also read comments in the Better Business Bureau from people that used Liberty and it sounded good to me. In fact, the person that I dealt with was Brian in Sacramento and I’m assuming this comment was about him. It talked about Brian in Sacramento as being very helpful. So I decided to go with Liberty. I would recommend them as well.

So far, my experience with Liberty has been really good. I needed reserved money in savings and also since we traded cars, I wanted to pay that loan down. I called Liberty and they set up an appointment. They were really helpful in the process of checking rates so I went with them. Everything was done by phone or they would send somebody out in person to get the necessary papers and documents signed. That made it really easy that way.

I applied at Liberty and Howard the loan officer helped me with the application and went uphill from that. The application process went fast and I was really pleased with it. Howard knew what he was talking about and I was very comfortable with him. I wanted them to answer back the questions that I had and he was always there to answer them. I talked to him several times and he would explain what it was, then he would email me in writing what we talked about. The appraisal also went well and the rates and terms of the mortgage I received were right up my alley. Working with Liberty has been really good. They worked well with me to close my loan. They would be the people to talk to for a home reverse mortgage.

We're at the point in our lives where getting a reverse mortgage would do us more good than bad. After interviewing three of the providers, Liberty was more friendly and more informational than any of the others. Liberty's application process was stringent. And there could be better communication during the loaning process. Other than that, everything's good. The rep we worked with was very good, very informative, and very helpful. She never turned me away for anything. When we had a problem, she went right to work on it. She knew her job and was very polite.

Liberty Home Equity Solutions seemed like a good deal and the application process was all very professional and well done. The application and underwriting were completed in about an hour and the rates and terms I received were about what I expected. Also, the staff was very personable and eager to help and it was very easy to get hold of them.

We liked Liberty's quick response. And the initial process was fairly simple. The process in which everything finally got confirmed and finalized was tedious. But it isn't just Liberty. The whole industry has to get rid of some of the paper. They need to streamline the paper situation. It's ridiculous. Other than that, our loan officer was great. I was impressed that he was able to take my calls. The rate and terms of the reverse mortgage wasn't great, but it's okay. Liberty gave us flexibility.

I wanted to be able to use our equity and do some investing and decided to apply for a reverse mortgage with Liberty. The process took two months though. The paperwork was voluminous and it was quite thorough. It involved state, federal and local paperwork. Also, we had to have the place appraised and do a credit check. But other than that, the Liberty reps were very forthright and explanatory. The gentleman that I worked with, Rick, explained things fully. Also, we had to go through a procedure, on the cellphone, to find out the pros and cons of a reverse mortgage and sign papers so we knew exactly what we were getting into.

My brother did some research and thought that Liberty sounded like a good company. We were both pleased with them. Ron the rep was very good. I spoke with him the most and he seemed to be a caring person. He explained things and cared about how people were feeling. Plus he called and kept me posted on what was going on. The application process seemed good. They kept in contact with what was going on. There were also a couple of other ladies that called me to let me know something was coming and that they needed something. Liberty seemed to know what they were doing and the lending process went well. This was my first time obtaining a mortgage, but working with them, I was as comfortable as I could get with something that I'm not familiar with. There was also some cash that came out of the mortgage. If I knew somebody looking for a mortgage, I would recommend Liberty and Ron.

I was trying to get some bills paid off and Liberty made me feel like they could help me. They told me what I needed to do and whatnot, and they followed right through with me. About a week ago, we signed the papers for the reverse mortgage, and we're all set. It was a very easy application, and the entire process was great, plus the rep that assisted me was very friendly and helpful. I had the guy's number, and I called him any time I felt I needed a question answered or to know what to be expected next. They explained to me what would be coming up and they also sent me paperwork with figures on it. I gotta give them a call because they sent me a thank you note for going with them and they told me if we have any questions to give them a call.

We bought the house three years ago. It was a foreclosure and well under what market value would be. We planned that if we needed to, we'd do a reverse mortgage on it and we wanted to wait seven years but we ended up doing it after three years. Liberty was the third company I went to and they were the one that got the reverse mortgage closed.

I wanna trade my house for a truck and decided to do a reverse mortgage. Liberty Home Equity Solutions, Inc. made it simple. Katie and this other guy that I dealt with there were nice and they did everything. They sent me the stuff. I signed it and sent it back to them through UPS and it was done. The whole application and underwriting process took about three months. In the end, I got $8,000 more than I thought I was gonna get which was great. I'm gonna get a bigger truck than I wanted.

The staff at Liberty Home Equity were very good, nice, and helpful. I had a question about how money was transferred into my account if I needed any and they helped me with that. Any questions I asked, they answered, and any call I made, they returned. However, the process was a little lengthy and took longer than I thought it would. Nevertheless, the rate and terms I received were doable. I'm not going out and buying houses, but as the house gets older I get older and I wanted some backup money. Working with Liberty has given me what I wanted.

I decided to get a reverse mortgage because of my situation in life. Liberty was a recommendation from a lifelong friend. The application process was what I expected. It’s like a mortgage for a home. It’s long and arduous, and you gotta get a lot of information, me especially because of my name change. The guy that helped me made it pretty clear. Every question I had, we had an answer, and then we took care of it. I was very impressed. A notary showed up at my house three times, once for the application process and twice to finish. It was quick and easy compared to what I thought it was, because I know people can spend a lot of time applying for a house loan. I was surprised how much the closing costs were though. They were a lot more than I expected. But working with Liberty has taken me from going completely into debt to being able to live on the money that I make now.

My experience with Liberty has been excellent. We were really helped through the application process and everything by Mike. Then the pass-over from application to approval and putting it into motion took a while, but that was okay. I've gotten real good service requesting money from my account since then. So, I have nothing but positives to say.

Liberty was very professional. I had three quotes and Janice, from Liberty, was the only one that followed up on it. She was very upfront and honest. There was nothing hidden and she answered any questions I asked. She also always called me back. Then when they said somebody was gonna come to the house, they came to the house. They did everything right. You had to have an appraisal and they told me when the guy was coming. He came and I got the appraisal then we had to go through the title and the rep knew everything that had to be done.

Reverse mortgage is not for everybody but it was for us. I started by calling around and Liberty seemed to answer my questions right away. The process took a long time but they stuck with us all the way, even when we were having problems. First, they sent us information and they went over it with us more than once. If we had any questions, they would answer them and they took the time to do that. They didn’t try to shove us through. They were real knowledgeable and very nice. Our loan officer was Eric then there was Peggy. She was back east and she helped too.

Working with Liberty has eased my mind because when I lost my wife and her income, I was unable to pay the property tax and I was gonna lose my home. Liberty was the first ones that called me and Eric was real nice. He treated me with kindness and respect. The people at Liberty were also easy to get a hold of every time I called, if they were there. If they weren’t, they called right back. The process took less than two months and the application went smoothly. My sister helped me and they explained everything. The terms were good and fair, and overall, it was an excellent experience. I've recommended Liberty to my sister in Nevada and they took care of her as well.

My wife needed 6,000 for a cataract surgery, we needed 10,000 to fix the tubes, and re-concreting our porch around the house was gonna cost quite a bit. I didn't have enough to take care of all that and still have some money left. We're doing fine, but I didn't wanna spend the kind of money that was gonna take, use up my little savings, and be paying a note. We have a home that we paid for and I never had a note from day one. So, I decided to do a reverse mortgage because my three boys are all making good money and they don't need anything that we've got.

The first time I talked with Liberty, there was a lady who was so friendly and just answered the most stupid of questions that I had to ask. She seemed so concerned about the problems I was having and she told me all the various ways that I would be able to solve them. I really appreciated all of her help. But it turned out that we didn’t qualify because we had gotten a loan within the past year. We have to wait a year. After just six months, they contacted me. The particular lady I talked to before was home sick and was off work for a long time. But her husband was working there too and he ended up helping me. The lady who originally helped me remembered everything about our conversations and me and my mom. It was just like talking to a family member.

The reverse mortgage was to give me backup for my investments and savings, and compared to other companies, Liberty offered more options that were appealing to me. The application process wasn't bad either. It took no more than 10 minutes and the people were knowledgeable and easy to deal with. On top of that, the terms they gave me were fair.

We were faced with a huge debt lien and we didn’t have any way of getting out of it. We were given a do-or-die day. I immediately got on the computer to do research on reverse mortgages and Liberty was the first company to appear. My husband used to work with BoA. He's been in mortgage banking for 30 years so he knew the questions to ask. We called Liberty right away and when we talked to a representative, we were very much impressed with her. Our rep was very helpful and patient. She didn't pressure us. She told us it was ultimately our decision. She just gave us the good and bad with it. What worked for us was that I own my home outright so we were able to get the amount we needed to pay the taxes off.

We don’t believe in AARP in this household. We have AMAC instead and they recommended Liberty to us. Our experience with them was different than I thought it would be, but there was nothing wrong with it. I didn’t know that they kept half the mortgage in their hands and they would only give you half the money for the transaction. That was a surprise to me as I thought I'd be getting a little more than that or a third. But their reps were fine and the process took something around two months to complete. It wasn’t a hassle for us at all but we had to re-sign some stuff because the guy that they sent out to do the paperwork got things mixed up and I need to fill him in on what he needs first before he comes out. Other than that, the rates & terms of the mortgage are good and right now, the mortgage makes me more secured with what I’m doing.

A friend of mine used Liberty. Also, her son checked a lot of different companies and he said that this was the best company. So, I chose to go with them as well. Obtaining the mortgage was pretty easy and the rate & terms that I got were okay. Working with Liberty has also been a little bit easier for me because I am getting enough a month to pay for my caretaker. I've been really happy with them and I would recommend them.

I wanted to keep my house and live in it, which made me decide to get a reverse mortgage. Liberty seemed to be there when I needed them, but obtaining the mortgage seemed to be a really long process. It took about 10 months, but in the end, it was good. I tried hard to get my appraisal fee taken care of, but I still had to pay it off the top. The rate and terms I received were good though.

My grandmother was running out of money and she chose Liberty Home Equity Solutions to do a reverse mortgage as part of her retirement plan. I was the one that set it all up for her and the application process was fine. Liberty needed to let us know what they needed first before getting through the process and telling that they needing something else too. The loan officers that I worked were friendly. They kept up to date with me and they answered all my questions. The guidance that I received from them was excellent and my grandparents were okay with the rate and terms of the reverse mortgage that they ended up receiving.

I’ve been in my home and thought of getting some money from it. I took out a reverse mortgage from Liberty Home Equity Solutions Inc and it was a true clusterfuck. The young man that helped us was very efficient, but his hands were tied. He couldn’t do this and that. Liberty doesn't really help you. They just bait you and you don’t get as much money as you should get out of it. My house is worth a lot more than what they lent me on it. My house is a hell of a handsome home. I had an architect come in and we spent about 350,000 on it. Plus, I have eight acres in total. I’ve got two parts of the land and both are considered as one, but Liberty only considered the land with the house. They don’t give a damn what the house is worth. I live in it and maintain it. And I pay my taxes. I probably spend 15,000 a year.

The lady from Liberty who did the initial call-up was really nice. She answered my questions and called me back when I wanted her to call me back. The application and underwriting process took around three months. I went to two closings, but I don’t know why I had to do that. The first lady I talked to turned me over to another lady and I thought that the second lady was short with me, but she called up and was nice after that. She came around so I was 90% satisfied.

A reverse mortgage is the best solution to zeroing out credit card debt and I called the biggest company first but I didn’t like dealing with them on the phone. They would not give me answers to straight-up questions. So, I called Liberty Home Equity Solutions, Inc. and I got an answer. The application process was a little overbearing though and it took a long time. It was close to 60 days from when I started until the check was in the bank. Every time I turned around, they needed some other off-the-wall piece of paper but I got through it and the rate was close to what I expected.

I went to a few mortgage companies to get a loan and everybody wanted my taxes but I don’t make enough money to file taxes. My rental income cannot be considered income because I don’t file taxes. My situation was a little different but Liberty Home Equity Solutions was the most cooperative. Although the application process was quite lengthy, they did what they had to do and I’m happy with them. I’d recommend this company.

We needed to pay off some bills so we chose a reverse mortgage. Liberty Home was the first lending provider that we called and what they offered sounded good so we went with them. Their application process was fair and the guidance we received from Liberty was fair. The people that we worked with were really trying to help us get the loan done and they worked very hard. We were impressed with how hard they tried to speed the process up for us. We felt comfortable working with our loan officer. She answered everything that we asked her.

I checked different places for a reverse mortgage and Liberty's application process was simple compared to the one that we had before. It took only two hours. It also worked out really well as far as the interest rate and the way we wanted it spread out monthly. We wanted one lump sum because we had to remodel the house that we bought, and Liberty made it very easy. They followed up and made sure everything was going well. They were the easiest to work with. The application and underwriting process took a month, at the most.

The house we bought needed more than what we were prepared to pay, so we had to realign our budget. We went with Liberty primarily because of the approach. I was in the real estate before for many years, and you can always tell con artists or somebody who’s talking crap. If you find somebody who’s talking facts and makes sense, you go with them. If not, you hang your phone.

My parents had some bills that needed to be taken care of but we didn't have enough money to make the ends meet each month. I was having to give them money and my sister was having to put money in their account. We knew about home reverse mortgages and we tried to get one, but then we had to wait for a year because the power of attorney (I am my father's durable power of attorney) was still too new. I looked online for a place to talk to and Liberty Home Equity Solutions was the company that called me back so I went with them.