Liberty Reverse Mortgage Reviews

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.

We're older and we don't have anybody to pass the house down to. So we thought we'd just take the equity, keep the house, and not worry about what happens in the end. Liberty Home Equity was one of the early ones that I had contacted and their reps seemed to be honest people. They were easy to deal with as well, so we decided to go with them.

I was searching for a reverse mortgage company and didn’t like the other providers’ attitudes. Liberty Home Equity had better customer service. The loan officer, Ron, was knowledgeable about reverse mortgages and how they work. The application and underwriting process took three weeks. Also, I had to jump through hoops and get a counseling session by somebody. Still, it worked out well. We talked a lot and they did everything as planned. Plus, the rate and terms are about right. I'd tell others to give Liberty Home an opportunity.

With a reverse mortgage, I can use the equity in my house and I can put that equity back into the house and not really have to pay it back either. I did it with Liberty and everything was nice, smooth and simple. I was really comfortable with it. The application process was easy and everyone was really helpful. They let me know about any of the questions that I had at the time and gave me the answers that I needed. They were really informative.

I made an offer on a house. To get the people to accept the offer, I told them that I would be giving them cash and that they wouldn't have to worry about financing. However, I didn't really wanna give them $600,000 in cash because I bought the furniture too. It was also a lot of cash. So I looked into things and thought of reverse mortgage. If I’m never gonna move, and I don’t care about how much I leave my children because they're rich anyway, reverse mortgage made sense - take the money and go build another house with it or invest it and let that money work for me instead of just sitting in the house. I’ve got $250,000 cash available to me, I still have the house, and I never need to make a payment. It was a win-win.

A reverse mortgage is something that would be good for us. My husband, John, contacted quite a few different mortgage companies, and he came across Liberty. He had a lot of contact with them, and we filled out the forms. The mortgage process was really smooth, and the reps we worked with were pleasant and very professional. They responded to any phone calls or emails, and the guidance that they offered was good. What they said was gonna happen happened and the way it was going to. The overall lending with Liberty was fine and it was pretty much what you would expect.

My grandmother wanted more income per month and a family friend of ours whose parent went through Liberty Home Equity referred them to my grandmother. A man named John came by and talked to us about obtaining a mortgage and gave us a bunch of information. Then my grandmother talked to me about it and asked about my thoughts and ideas. She decided that that was what she wanted to go through with, so we called John again and he brought all the paperwork and my grandmother went through with the reverse mortgage. John was great and he facilitated everything. He was super kind, available and willing to answer any of our questions.

We needed to pay our loan off on a car and put a new roof on the house. However, I was misinformed about what our property was as I thought it was a condo. I talked to AAG and I told them that. They looked in their list and said I was not approved. I then went to LendingTree and made the mistake of saying that we needed to put a new roof on the house and pay the car. So, I went to Liberty, kept my mouth shut and got the money. The process took a while though. I thought it would be two weeks and we'd be over with it, but it took all of 30 days. Still, the gal that I talked to first was real polite and answered all my questions.

Being a loan officer, I helped my father-in-law when he did a loan with Liberty Home Equity Solutions. The whole transaction was absolutely horrible. They entered his information wrong in the system. Everybody called me even though my father-in-law's number was completely different than mine. Then, we had a lot of issues with our communication with the loan officer and we got completely incorrect information from him for three months. At one point, he said that we were gonna be signing and closing by the end of January but by the next day, the processor called us and said that we needed a second appraisal as there was an issue with the first one and that the loan wouldn't be closing until the end of February. It also turned out that at one point the loan officer left the company.

We really wanted to do a reverse mortgage so we did our homework and decided that Liberty Home was the best for us. We called them on the phone when we were getting the mortgage. We had people come out to the house but the majority of the process was all handled over the telephone. We had a good interaction with our loan officer and everybody was pleasant. Furthermore, we were happy with the rate and terms of the reverse mortgage that was given to us. The process took us a month and a half and we were able to do it through working with Liberty.

We needed a reverse mortgage to pay bills and Liberty was the only one that was interested enough to do a mobile home. I worked with Elizabeth and her associate. She's very cooperative and I was very happy with her. Liberty Home made me a little bit more confident in people and I recommend them.

I'm really pleased with my experience with Liberty Home Equity Solutions. This came after the death of my spouse and it calmed my nerves a lot. It made me feel like I was really accomplishing something and getting my life in order. Initially, I checked other companies. I started with AIG, the number one company in the country, to see how they go. However, they were so pushy and wanted me to sign up immediately. I didn't wanna do that at all and I wanted to think it over. Liberty Home Equity Solutions let me do that and so I decided I'd get my mortgage through them.

I did an awful lot of research, called around for different places and got Tom Selleck's CD. Once I decided that getting a mortgage was what I wanted to do, I looked for a lender and I wanted something local. I found Liberty Home Equity Solutions and gave them a call. The person I spoke with was delightful. And the application process was a piece of cake. Including the underwriting, the whole process took three weeks.

I had some heavy decisions to make and I had to be sure that I wasn’t gonna lose everything I worked for all my life. Also, I fell and broke my hip, and I’m 86 years old, so I had to do something. I had a house payment and Wells Fargo was throwing charges at me at every opportunity. I got my back up against the wall and I feel like I’ve made the right decision by starting to look into a reverse mortgage. I was happy up until I got some mail. I did not understand what I was looking at.

I felt like I needed to free up some money along the way so I used a reverse mortgage and Liberty came through. I had two other companies that made offers and Liberty was the best of the group so I went with them. I was a little bit cloudy on the application process because of things that happened along the way. I got the house appraised once a year and came to find out it was worth a lot more than what I thought. So, that caused delays. They should say upfront that I needed to have an appraisal done on my place before I went into this. Other than that, the people I worked with all seemed to be knowledgeable about what we were talking about and they were very helpful. The application and underwriting process took about a month in total and the rate and terms were very good.

I chose a reverse mortgage for financial, cash flow. Liberty Home Equity Solutions seemed to have the best rate so I went with them. So far, everything has been okay. It was as advertised. The whole process took about three weeks longer than necessary only because I wasn’t available. But the total time was four weeks or so.

When I called Liberty Home Equity Solutions, I got a really nice salesman who answered all my questions. Their application process was pretty easy. Also, the loan officer was easy to get in touch with. We could call her any hour of the day and if she wasn’t available, she would get back to us. Plus, she was confident that we were gonna get the loan. In the end, we were approved but there was something wrong with the people we bought the house from. They kept coming up on the title even though they didn’t own the house anymore. I wish that had been handled a little more smoothly. Still, Liberty handled the situation well.

When I looked at reverse mortgages, Liberty Home Equity was the one that came up and the application moved quickly but it took several months for the entire process to take place. Their hands were tied on a lot of it and they had to go through certain hoops. They explained things and made you go through some counseling. It’s good that they make you think about what you’re doing. The rep I worked with was very good and I was impressed with her understanding and with getting back to me. She did an excellent job. I felt very comfortable working with the team at Liberty. They were honest and I felt secure. If I had a question, they would usually respond within the day. Sometimes it was the next day but otherwise, it was quite quickly. Working with Liberty had a positive effect on my life and I was very satisfied.

I wanted to get some of the money out and enjoy life. I talked to three reverse mortgage providers and I really liked Eric, the guy from Liberty that I talked to. The process of getting my mortgage seemed simple enough. But we had a little snafu and it wasn’t their fault though. The rules were changed while we were doing the process and we had to go through a second appraisal. But that was new and I was not prepared for our doing that. It took us four months for the process to be completed, but that was mainly due to me so it was fine. The rate was a little higher than I thought it would be, but it seemed to be well within the scheme of everybody. Other than that, everything else went smoothly.

We had some home repairs that we needed to do and we were not getting enough out of our IRAs to support our living style. We decided that we needed to have some extra income coming in and having a reverse mortgage would be a good way to bump up some more income. Obtaining a mortgage at Liberty went fast and smooth. While there was a lot of paperwork that exchanged hands, we didn't have any problems. The loan officers were very nice, helpful and reassuring. It helped that they were very good at explaining every step of the processes that we went along and getting the printed information to back that up.

I'm 83 and my kids thought that a reverse mortgage was a good thing for me to do. One of my sons looked into Liberty and thought that it was a good company to go through. I also talked with another company before I decided, and Chris from Liberty did a much better job of explaining things. My interactions with him were also always very nice. There was no problem and no pressure. I was also impressed with his personality. He answered my questions and everything I wanted to know. I read all the information and he gave me all the right answers. Although I didn't wanna do the reverse mortgage at first, after I had gotten to it, there was nothing to it. Everybody was very nice and the process was very simple and easy. There was no hassle at all. The process wasn't very long either. It took about five weeks and I got a fair deal. I would certainly recommend this company for anyone else.

I needed some cash flow and Liberty contacted me, and I worked with Mike. He answered every question I had and I felt comfortable with him. The application process took a couple of weeks and it was smooth. Plus the rates and terms that I received were fair.

I looked up Liberty online and called the number. The application process was okay but it was a very tough loan to do. I was in the banking business for a long time years ago, and I understand how it works although it has changed very much today versus when we loaned money years ago. Richard, the rep, was easy to get to and he always called me back when he said he would. He was sincere and he tried to help me get the loan processed. I also talked to two other ladies who were processing the paperwork and they were fine. If I had a question or a concern, someone would get back to me soon with an answer. The rate of the reverse mortgage that I received was okay but the appraisal was low. We could've gotten somebody else and done another one to see, but we went ahead and used that one. Eventually, I got my money and that's a good experience.

Liberty is the only outlet available in terms of credit history. I got a link to them online and I followed it through. I was trying to get the loan in order to repair my roof, but then I couldn't get the loan until the roof was repaired. So, their application process stunk. They eventually found a provider who was willing to lend me the money upfront to pay off the contractors and wait until closing to get his payment. I'd like to see Liberty have an ability to have some vendors on hand. If they had some more of those types of vendors lined up in advance, this type of thing would not have been a problem. We could've gone forward with it and it wouldn't have taken six months to get it done.

I had a hard money loan and it was gonna be due next year. I went online and typed in "reverse mortgage" and Liberty Home Equity Solutions came up. I clicked on it, the bank called me back and we went from there. Brian, the guy I worked with, was easy to get along with. I got a good loan that's even better than the loan I was after. They did everything that they needed to.

I want to make changes around the house and I don't have a lot of extra income. I picked Liberty out of a list when a friend of mine went through the reverse mortgage with them. Their application process was clear and good, but there was a lot. It was repeated, and I learned more as I go. I was impressed that all the people I worked with were very thorough. I was definitely happy with the rates and terms I received.

I respected the name of Forbes, and Liberty was listed on their site. When I contacted Liberty, everything seemed in order and favorable to what I wanted to do. I filled in the details on an opening start and I was contacted. I liked the interaction and the information I got, so I proceeded. The rep I worked with, Elisabeth, was very friendly, knowledgeable and responsive and I really liked working with her. She handed the processing over to an assistant, and that to another assistant, so I was a bit at a loss as to who to contact next, but I solved the problem by emailing back to everybody.

I liked the idea of a reverse mortgage and I happened to get a hold of a lady from Liberty. We got along, talked, and I went with them. Her name is Nelda and she was fantastic. It was after it got out of her hands and went to the person handling the whole thing after we’ve got everything together and all that, that got me a little upset. The seller of this house was ready to back out because the application and underwriting process was taking so long. In fact, they did an addendum to our contract that if I wasn’t done by a certain date, that I would have to start paying rent for a house that I wasn’t even in. It was nerve-racking at the end of it, and that the person who was living in the house had already gone to Colorado. And so, it was a mess that way.

There was a lot of equity in the house, and I had some debt. I had a first mortgage and I wanted to take care of it, put it all into one basket, and join the whole equity. I checked online and I called a few of the providers and discussed with them what was available and what was required. I called Liberty Home Equity Solutions and I spoke to Liz. She was great. Liberty better do whatever they can to hold on to that girl. She answers all your questions and if she doesn’t have the answer, she promises to get back, and she does, often within the same day. There were some issues that came up that she helped me work through and gave me advice on how to resolve it. I followed her instructions and it all came together.

Liberty Home shared my information and so I'm getting mail from everybody suggesting that I have a loan of $460,000 and they wanna help me. I've got three letters from different companies. One had either offered me insurance or offered me a reduced interest rate. First of all, I don't have a loan of $460,000 and I don't plan to have one. I saved the letters and I called the salesman that did this job for me who had been very nice to me. He has never called me back. But it's apparent to me that Liberty Home, intentionally or not, shared the fact that I got this reverse mortgage. That's unfair and it's poor business. Other than that, I'm happy with how the salesman handled my reverse mortgage. Everything happened according to the way it's supposed to happen, and I'm very pleased with that. They were very professional.

I had called Liberty Home Equity Solutions a couple of years ago when I was thinking about a reverse mortgage and I worked with Greg. When I went back last year, Greg was really good to work with. The other companies were basically the same kind of deal and I felt better with Greg. My wife was with me too and Liberty's application process was long and tedious, but we got through with it. Greg explained everything really well and didn't hide any facts. We went over various things that he was very familiar with and knowledgeable about. He always wanted to help and work with me. The rate and terms of the reverse mortgage were good and he helped me on the origination fee.

The staff from Liberty were professional every step of the way. But I had a problem with the parent company. I had gone through a little thing with Liberty before. They were not an honest corporation. The people who work for them were predators and they control. I went with reverse mortgage as it was a part of my retirement plan. I own my home so I didn't have any mortgages owned. It's an easier way to get a loan and to pay it back. We have that option to pay it back. The representative was a lot more informative about this home equity. He went the extra mile. The application process was time-consuming and cumbersome though. The timeframe should be cut down a little bit and the rate could be a little bit lower too.

I got to a stage wherein if I program my little finances directly, I would come up short. My house was deteriorating and there were some repairs that I needed to make but I didn’t have the money to do it with. I needed some assistance so I searched around and when I spoke to the representative at Liberty Home Equity Solutions, she assisted me to get me on the program. If I had to do that, it would have cost me, but I was able to get to them and didn’t have to pay.

Liberty Home couldn't have been better. When I got ready to do a reverse mortgage, I went on the internet and found a place that showed a certain amount of reverse mortgage companies. I started calling. The first one put me on hold. The second one was Liberty and I dealt with a guy named Eric, who was super fantastic. It was weird because when Eric first started talking to me, he said the whole process was gonna take six to eight weeks. I told him I'm not in a hurry and it's not a big deal and three weeks later we were done. They gave absolutely fantastic service.

Obtaining our reverse mortgage from Liberty Home went really well. This is the second time we did a reverse mortgage so we knew all the ins and outs. Even so, our rep Eric was very thorough. I loved talking to him as he was very personal. He was also very upfront and straightforward. He sent me all the information and different products to compare. He then gave me a good comparison of the different plans. Though applying was pretty easy, the hardest part was that we had a freeze on our credit. Nevertheless, we have excellent credit and the process went fine. Thereafter, Eric was very clear and concise in his follow up and he was on top of our application all the time.

I was under the gun. My house was in a foreclosure because of a miscommunication, and it was my fault. I had six months and I thought something was taken care of. I threw the letter away and I never heard anything else about it. Then I got a courtesy call letting me know my house was gonna foreclose in 20 days. I owed $12,000 and was getting my house foreclosed for $386. It was heavy. I felt a little pushed by Liberty Home but I was in a position where I needed to get this done. So the experience in general was okay. They wanna get the job done and that’s how they get paid. I talked to a loan officer in the beginning and he turned me over to his team that helped me through the process. My daughter stepped in and took care of that when she kicked in $3,000 to take care of that $386 foreclosure. So then, I was okay. I did drag my feet a little bit, but they were patient with me. I'm glad I did it.

I was in a need to settle a will with my brother, following my mother's death. I had two lenders that I was dealing with, and I chose Liberty because I actually had someone come to my house and sit down with me and talk to me and not try to do everything over the phone. He would come here from Omaha to Des Moines. That's about a two-hour drive. He would pick up from me what I needed to give, and bring me what I needed to know, check with me on the phone, and make sure that everything was going okay.

The application process with Liberty Home Equity Solutions was difficult. There was constant paperwork and instead of something being said all at once and lined up, it was a piecemeal one after another. The application and underwriting process took too long but it was not at all Liberty's fault. It had to do with the HUD screwing things up. Liberty’s reps were excellent. They stuck with things and made us follow through a lot of problems. Plus, the rate was what I thought it would be. Overall, Liberty was fine.

My wife passed away in August and I was hit with a lot of medical bills and funeral costs that I couldn't handle right away. It would take a long time to pay it off. My sister recommended a reverse mortgage because the house is paid for and I had the equity tied up in it. I did some research and checked to find out what were the best ones recommended. I checked different sites online, including ConsumerAffairs. Liberty Home seemed to rate well and they're one of the best, so I figured I might as well give them a shot. The process was a little tricky at first because I didn't quite understand it, but the fellow who handled it, Michael, spent about an hour on the phone with me to explain every detail of and I liked what he said. Everything he said turned out to be true and it worked out well.

Working with Liberty was a good experience and easy. HOWEVER, our loan was turned over to Ocwen Financial for servicing. This company is a nightmare. We were ok until a big hail storm. Our insurance company sent the money to Ocwen as they are required to do. Since then, it takes from 6 to 8 weeks to get payments for contractors. I can call three times and get three different answers when there is a question. There is little or no communication from Ocwen. There is no website. I have to trust what they are doing and keep copies of everything. We ended up paying portions of repairs out of own pockets because they won’t send the money owed. If we can find a way, we plan to complain to HUD. I urge Liberty to find a different servicing company. We are considering refinancing to get away from Ocwen!

Getting my reverse mortgage was an important thing for me and it had a huge impact on my life. We got it from Liberty Home and the application process was well-controlled. They took care of everything I needed and communication was good. The people who came to my home to witness the signing should know a little more about the process though. They weren’t able to answer any questions at all. On the other hand, their rep, Eric, told me everything goes the way it's advertised. He was very helpful and professional. All in all, things went smoothly and professionally.

Liberty had the loan package that I was looking for versus the others. However, getting the loan was terribly difficult. It was nothing like I anticipated and I did not know it was an entire FHA loan process. It also appeared that everybody was a subcontractor who just popped on the list on availability. They were not part of any kind of single individual company. There were appraisers, processors, document people, and a loan initiator, and there was not one person who oversaw the process. Everything just moved on step by step to the next person. They did it at their own pace, as well, and each person took a couple of weeks to do their little feat. It just went on and on which took me 77 days to complete the whole process. The process would be improved if all would be handled in-house.

A realtor friend of ours recommended Liberty Home and their process was very easy and cooperative. It went very well and it's wonderful. When we asked, they had all the answers for us and the rep, Nelda, was almost like a friend. We were very comfortable working with her. She got to know us, we got to know her and she was very helpful. She told us everything that would happen and the different routes we could take.

I’ve heard about reverse mortgage and I’ve seen the advertisement. My wife had some relatives who had gone through the process and they said it was working okay for them. So, we took some time to investigate. I wanted to understand how it worked. We didn’t need that much money but we need some to help us through our final days.

I invested money into my house to fix it up but I ran out of money. I kinda overspent so there went all my retirement money. I decided to take out a reverse mortgage so that I would have some retirement money. Liberty Home Equity Solutions was the third place I tried and they had a superior interest rate. I was told to try and get the loan under 5% and Liberty was at 4.78. That was excellent.

Liberty Home was the first to respond to my Internet inquiry about reverse mortgages. Their application process was complicated mainly because it's federally insured, so it took a long time and it was also full of legalese, which I managed to read. Also, it took two weeks to get an appointment with the independent counselor. The process took two months to be completed. There were two appraisers and each one independently said that different improvements were needed to be made to my home. The reverse mortgage was sold to another outfit and it came as a surprise to me that Liberty would sell the mortgage to another firm up in Kalispell, Montana. Other than that, my loan officer, Greg, was excellent. He was very friendly and knowledgeable, and I was comfortable working with him. The women on the staff weren't as knowledgeable as Greg, but it worked out all right.

My mother just has Social Security. With her health and with getting more prescriptions, her budget becoming tighter, and everything becoming more expensive, we needed more cash. We looked into a home equity loan, but that didn't fix her having to make more payments. I heard of Liberty and researched it. I talked to Chris. He was amazing, personable and easy to work with. I ask more questions than anyone out here, and he never made me feel stupid.

A reverse mortgage seemed like a good thing and Liberty seemed to have the best one. I liked the concern and the information they gave me and the time they took. The application process was easy. The ladies I talked to, Christine and Megan, explained things to me. They were good to call and if I called them, they always took time and answered my questions. I felt comfortable working with them. At least once a week, they would call and ask how things were going and if I was understanding what we were doing. They were thorough and very concerned. I was satisfied with the lending process and the rate was good. Working with Liberty is going to help in having the money available when we need it. Just knowing that I have a resource to go to is really a relief. Liberty is a good company and everybody I talked to was nice and polite. I would recommend them without hesitation.

We had some friends who had done a reverse mortgage and we thought that doing that as well would be best for us. The first time we did it took quite a bit of time. The length of the process was their researching all of the documentation that they needed to complete the reverse mortgage. We were in that reverse mortgage for five years but then we wanted to move to Bakersfield as all our kids and grandkids are there.

I'm living on social security and I wanted to keep my house. However, I wouldn't be able to do so and I did not wanna move with someone. So, I chose to start a reverse mortgage. Initially, I called another company and the gal who worked there used to work at Liberty and she bad-mouthed her former company. I didn't want to deal with people like that and I didn't have confidence with that company. So, I called Liberty to compare them.

I’m 80 years old and I might be dead in five years and I want the money now. I got a reverse mortgage with Liberty Home and the application process was arduous. They should cut down on the paperwork. But their rep got things done. I would call her up, and she would be right on it.

A reverse mortgage would work for my financial situation so I got one with Liberty Home and it took a long time to get it done. The application and underwriting process took about three months. The reps were all fine. They did their best. I would have like to have got a little more out of my equity. But if that’s what they can give you, that’s what you take.

I looked at two mortgage companies and the other company I called asked me to give them information. Liberty, on the other hand, sent me the paperwork to get it started so I didn't have to give the information over the phone. My only problem with Liberty was that they have departments, like underwriting and credit, and sometimes, I would call somebody and they would say that they have to send me to somebody else. But overall, the experience was quite good.

A reverse mortgage was convenient and logical and I liked the people that I talked to at Liberty Home Equity Solutions. The application process was okay, but it was intense as far as the paperwork was concerned. It was about two inches of paperwork. The first session took about two hours and the final paperwork signing took about two and a half hours. I wish there was less paperwork and there should be some way to streamline the paperwork. The actual figures during closing were also a bit confusing. We got it all worked out, but it needed to be a little more entailed as far as the dollar was concerned.

Liberty Home was very helpful. Usually, if I called in, I got a hold of somebody right then and got it taken care of. The rate and terms are fair as well. We thought of reverse mortgage as we have six kids between the two of us, and we didn't wanna leave a house to fight over. We could also use some money for our retirement. The application process was pretty fast and easy. They had a notary come over and notarized our signature and she sent the package back. It was well. There were four processes that I had to go through and each one, I had a different person that I worked with. And my interactions with them went well.

I called Liberty and the first person I talked with was Howard and just fell in love with that guy. I enjoyed working with him the most. We had a lot in common and he made me feel comfortable. Even after the process was done, he called and followed up with me and we both told each other how much we enjoyed each other. He said, “If you ever have a question or anything, you have my number, so feel free to call me.”

I refinanced my reverse mortgage through Liberty. When I did my reverse mortgage for the first time, I did it through a broker and it was through Liberty, too. My husband is a financial advisor for M&T Bank. Someone within his bank’s sphere of influence recommended Janice as a reverse mortgage specialist. He contacted her through that network. Janice was absolutely terrible. She was very slow and very lax. It took her forever to do anything and she seemed to always be like a step behind everybody else. I don’t think that she was on top of things. I used to do mortgages at one point in my life, and that was not the way it was done.

Liberty Home Equity Solutions was the most aggressive in terms of reverse mortgage and they seemed to have all the right answers. The whole process took not more than 30 days. Everyone was really personable. I was in a big business for almost 40 years and they couldn't have been more professional. That was impressive to me. Randy, my initial contact followed through on several things. I've worked with a lot of salespeople and he met up with some of the best that I've worked with. The rates and terms seemed competitive and reasonable. Hopefully, it's gonna make my life easier. I won't have a house payment and I'd have some money if there's something I need.

We wanted to be able to continue to take care of the house and be able to stay in it. We also had to consider a lot of things, including our age, and we decided to do a reverse mortgage. My husband happened to be Googling information then Liberty popped up right away and asked him a question. He answered then they called him. Most of their loan process was pretty straightforward. The people themselves, Joanne and her associates, were really helpful. Joanne was our loan officer and she was very nice, personable, and professional. And if we had a question, it didn't take very long for them to respond. But a couple of people that called and told us they were gonna call us a certain day didn't. Still, things worked out. Joanne was really quick and when we didn't hear from somebody that I was supposed to, she found the number and name for me for us to be able to contact the right person.

I put all of my available cash into my house when I bought it. It was in need of repairs after some time and I didn’t have enough money to pay for that, so I made the decision to do a reverse mortgage. I looked up Liberty on the internet and I liked them. Their application process was so lengthy though. If I answered something that was just a little off, it delayed the process because they had to ask all these other questions and look into it. I wasn’t too happy with that. The loan officer, on the other hand, was very nice and helpful. But through the whole thing, she kept saying that she would talk to me at least once a week and after everything was done and over with, she'd be there for me. Yet, they sold the loan to somebody else and she didn’t tell me about it. I was very disappointed in that.

I got a hold of Liberty's rep, Luis, and we hit it off. The application process was easy and it took a couple of months. Felicia, the loan officer, was a little more difficult though. She wasn't always very clear in what she wanted from me so I had to send a fax to her a couple of times back and forth. Other than that, she was okay. The rate was about what I expected, which was fine. There was no other way I could afford my retirement plan without the reverse mortgage. I recommend Liberty.

I had gone over everything that I could do to get my income in line with what I needed for my home. I've thought about doing a reverse mortgage for a couple of years, and finally, a friend of mine told me he heard that Liberty is good and that I should try them. So, I did that and it worked. I had a wonderful experience with Liberty. My rep impressed me a lot. He was extremely helpful and very upfront with everything that was going on. He was also considerate of how I would feel about what was gonna happen. He told me to call him if I needed answers, which I did twice, and I was flabbergasted about how smooth everything went.

I thought a reverse mortgage would be the easiest way for me to go forward and I did it with Liberty some time back. I liked their advertisements and I appreciated the courteousness I got when I called. The application process was excellent and timely, and I was very comfortable working with Richard. It was helpful, but the loan incorporated my county taxes, and I haven't been able to find out if it was paid. Richard felt comfortable it was taken care of, but I need to know.

I was advised by an attorney that a reverse mortgage might be the best thing to do under my circumstances and Liberty was his referral. I dealt with a man named Peter. He was on top and very informative and attentive. He returned calls when I called with questions and I enjoyed working with him. The application process was fair, and including the underwriting process, it took about three months. There were some issues but that was not Liberty's fault. That was the attorney's and the trustee's that handled the matter. I'm also happy with the rate of the reverse mortgage now.

I’ve been retired for 10 years, so I have used up my savings. I decided to do a reverse mortgage with Liberty Home. I started the process a couple of years ago, and then I didn’t do it. And this time I just called the same person I dealt with again, who was a very nice person. I like the rep, Joanne. She was very helpful. She always just said, “I’m gonna take good care of you,” and she did.

I did a reverse mortgage with Liberty which is my third one over the past ten years. My husband chose this, and it gives me the freedom to live in my own home and do some things that need to be done. He passed away four years ago so this is the first time for me to go through it by myself. Liberty is making it possible for me to live my life without depending completely on my kids. They make it very easy and they’re always there for any question. I like the way they handle the process. They walk me through it and they do it well. I work with Joanne who is caring and compassionate, and Brittany works with her in the office. They are always willing to help me out in any way. They know all the bases to cover, and that’s what they walk me through. I would definitely recommend.

The reverse mortgage has been advertised an awful lot and I've been thinking about it for a long time. Then ill health came along, so my full-time job has been on hold for the last six months. When I do go back, I'll probably go part-time because I'm old. So the reverse mortgage is there as a buffer. Liberty's rates for the closing cost were lower compared to that of the other provider that I've checked. The application process was very easy, as long as you do your homework.

I wanted to get something so that if anything happens to me, my wife wouldn’t have to worry on payments. I looked into one or two reverse mortgages but I have trust in Bill, my salesman. He worked with me on it and explained a lot to me about it. The application process took a month. I had a lot of questions I wanted to be answered first. Bill was very good and I was satisfied with their performance on how we talked. Also, I was pleased with the annual percentage rate and the terms of the mortgage

We were looking up for reverse mortgages and the rep Joanne from Liberty responded to my calls and left messages. She was very personable, straightforward, and I like her. The application process was difficult at times, but it was thorough. They got close to the end and then there was another snag. I thought that was like, “One day away from it in getting the notary out.” I had a trip planned and I wanted to get it done then Joanne's assistant called and said that there was some little detail in the Homeowners Insurance policy with the Homeowners Association that had to be attended to. It went through and was done, so I’m fine. The people at Liberty were pleasant and professional.

I was previously approved by Liberty Home Equity and I had a reverse mortgage with them before. Their mortgage officer, Ron, was outstanding. He was funny and encouraging. His assistant Peggy called me every three days just to check in with me. There were some glitches but it wasn't with Liberty. It was with the real estate company. The whole process was easy and it was ready way before I was able to close. It helped me to buy another house.

I’m sitting on a gold mine and wanted to take a little out of it. My daughter did some real, extensive work. Her father-in-law and mother-in-law both had experience with this attorney and with the planner and they recommended Liberty Home Equity Solutions. Of all the different places that she checked into, Liberty was the best. The application was a lot of paperwork and I expected that, but it went very smoothly. We had to see the lawyer and the estate planner and then once that was taken care of, the process went fast. I talked with Ron a couple of times and he was really up on all the procedures. Once it got to that stage, he simply zoomed. There’s going to be some interest but I am 86 and I figured to just keep going.

The house was paid for and I had some things I wanted to do to it and I was gonna get a home equity loan. I have two children who are grown who want money from me to death. I decided I would get a reverse mortgage and put the money away so they wouldn't know what I was doing and when I die, they're not gonna get a thing. After I started the process with Liberty, I called Alpha Mortgage and talked to somebody. I was a little concerned about the closing cost being so high. So I got Liberty Home and everything was pleasant with their process.

Liberty is a good company to work with. There were a couple of hiccups during the application process, but we were able to work those out and go forward with it. The application and underwriting process seemed like a long time, but there was a hold up and decided to fell out at one time and went back in it. So, on the time I decided to go back in, it was approximately 30 days. When they took the loan application, there was no 45 or 60 in that file but that's an important document. So, it all had to be sent and then there were problems with transmission, trying to get the form and sending it back. That could be improved definitely. Also, the cost was extremely high compared to a first mortgage. I'm an underwriter so I know the cost, and Liberty is a little bit steep. But my loan officer was very conscientious and very accommodating. She's a real good person, and I enjoyed working with her. But she could be a little bit more organized.

Taking care of both my parents, my credit score over the past five years has gone too low to where I can get a VA loan. I went through a divorce, and the IRS also came to garnish my disability. So I had to come up with something to keep the home here and chose a reverse mortgage for my mother. I'm a certified signing agent and what I do are close loans and reverse mortgage applications.

Liberty walked me through everything and we did one right after the other. The application and underwriting just took a little while as I had to go to the bank or see a lawyer because I had another name on my mortgage. I worked with Richard, he did very well, explained everything, and took care of everything for me. The $10,000 that I first borrowed didn’t get in that same day so he called Liberty and it got in. The only thing was that Liberty could be more upfront about exactly what they’re taking out and do it a little slower so people understand everything. They could tell people that their insurance would go up for $69 more a month.

I had my house paid for and I just wanted to protect it in case something would happen to my wife or me. In having a reverse mortgage, somebody wouldn't come and take the house for a nursing home call or something like that. I got the name of Liberty Home Equity Solutions from AMAC and I gave them a call. They were the first ones who called since I called them. The process of getting the mortgage took longer than it should, on a house that was paid for. Also, not only was the rate a little high, the application and underwriting process took several months. Other than that, the loan officer I worked with always had answers when I had questions. He explained everything well, and since Liberty is in California, while I'm here in Ohio, we used a lot of local people that they located.

I had called AAG at first to check with them. The woman I spoke to, gave me bits and pieces, and was supposed to call me back the next day. I went online to check out information on reverse mortgages and an agent from Liberty, Chris, called me right away. But the woman that was supposed to call me back from AAG that day never called so I talked with Chris. He was warm and fuzzy. He was also very punctual, informative and knowledgeable. Any questions I had or anytime I called, he made a point of answering my questions or getting back to me if he couldn't answer it that moment.

My experience with Liberty was fabulous. The application and underwriting for our reverse mortgage were done in a timely fashion, and Ron was delightful to work with. He was very professional and his follow-up was phenomenal. He was always on top of it. He didn't wait for us to call with the question, he would call and check on where we were at, what could he do for us, and had we considered this or that. I could really tell he is a good and honest individual. His whole entire team was excellent but definitely Ron is above anyone else in the field. Working with Liberty has made our life so much simpler. We were able to take care of financial things we would have not been able to do otherwise. It has given us security and relief, financially and emotionally.

We did a reverse mortgage with Liberty after talking to Larry and seeing that it seemed like he had what we wanted. He was able to answer all of our questions, he was personable and we felt comfortable with him. He thought the reverse mortgage might help us out and I think it will. So, we did a little paperwork with him and then we had an interview over the phone with a lady for about an hour.

I had three different mortgages and some rentals. I owned the whole building. I was just planning on doing a reverse mortgage on my homestead, but then when I went to a counselling they said, "Well, you own a whole building. As long as you live in one of the units, you could do a reverse mortgage on the whole thing," then I could get rid of all my mortgages at one time. So my outlay every month out of my retirement was a lot less. It gave me chance to use that money for travelling. There was one bank in town which advertised the reverse mortgages and they referred everybody to Liberty. And then, I looked up Liberty on the internet and it said that the two biggest reverse mortgage companies were them and AIG.

My brother and I talked about having a reverse mortgage a long time ago. We're still taking care of my mother, and then he had an accident and he passed away. And then, I had surgery just three days after that, and I was having a hard time trying to find people to take care of my mother. I finally got the state of Arizona, a hospice for older people so now I'm getting help. But her whole social security check was born for prescriptions and everything else, which we don't have to worry about now because she's not on all of medication and the hospice can take care of it. I was caught in a bind because I'm on social security, I just have enough to live on and I have to pay this mortgage every month.

I needed some cash. Liberty Home Equity Solutions seemed to offer the lowest interest rate and my kids don’t want my house anyway so I had requested for a reverse mortgage from them. Their process was very extensive. I've got more paperwork back there than the government and a lot of that paperwork was filled out two and three times. Some of it was part of the application. And then, there was this gentleman who came out and I had to go through all the same stuff again. And when everything was finalized and all the appraisals were in, I had to go through and sign all that paperwork again. I had a degree in accounting and all the paperwork and problems I solved in a year did not come up to the amount of paper I got from Liberty. This stack is about three and a half inches thick. The paperwork in itself took about an hour and a half to complete, and the whole process took a month and a half.

I had to put my mother in a rest home for about a year and it was draining funds, so I decided to do a reverse mortgage. I called AAG first but their loan officer never called back when he said he was gonna call. So, I went with Liberty Home and obtaining my mortgage with them was kinda difficult. The title company kept throwing all kinds of roadblocks but with Liberty's team and the lady there who assisted me, we got it done. I had to adjust and do all kinds of stuff but Liberty was good in helping me figure out alternatives through that. They were real friendly, helpful, and concerned. The whole team was pretty good and the application and underwriting process took about three months.

There's an awful lot of information that you have to go through dealing with Liberty Home. The process is quite extensive but it went easily and smoothly. The rep I dealt with was professional. She knew what she was doing. The rates are high but the terms seem okay. My life is a little better because of the money we got from this loan. Liberty did a good job.

My daughter used to work as a counselor for reverse mortgages and when it started getting pretty tight because everything was going up, except my social security, she suggested it. Everybody at Liberty was very kind and walked me through it. However, since all these has happened, for the last two weeks, everyday, in a different colored envelope, I am getting letters asking me to buy life insurance up to $310,000. I don't wanna buy life insurance. I've got my own thing that my family is aware of and I keep throwing these things on the trash, and I can just see the trees coming down between the fires in sending all these junk mail out. I thought about writing them not to send those letters anymore.

I had a loan that I loaned to some people and it caught up with a lot of interest payments and they didn’t pay. My regular payment was $150 a month from that loan and the interest was $98. So, it would take me all the rest of my life to pay it off. I know some other people have reverse mortgage and they liked it. I called several numbers and Liberty got back to me and another company, and I just went with Liberty. Their application process was very thorough. The whole process took three months.

I saw Liberty Home Equity advertised on TV and I liked the way they talked and what they said. I went through with the application for the reverse mortgage and the process took six weeks. At one point, it was difficult because I was cosigned on the house with my daughter and we had to get over that. The rep was great and if I needed to know anything, I called and asked him. He explained everything well and I felt really comfortable with him. The rates and terms were alright and they offered me a good deal. My old car was not worth rebuilding so I bought a new car and paid off my bills when I got the reverse mortgage and everything is going smoothly. I told all my children about Liberty and my son who is retired might do the same thing.

I got a call from an employee of Liberty who explained everything that would be taking place, what the reverse mortgage was, how it would work, then set me up to put through the application. I felt confident after speaking with someone I know who works for Liberty that I would be treated well and that it was the right move to make financially.

I was disabled 17 years ago. I was working at that time and my job had a long-term disability plan, which supported me until I reached the retirement age of 66. After that, I only had my Social Security for income. So it seems like the best plan to use some of the equity in my house. I was looking out for reverse mortgages online and Liberty called me. I helped my dad get a reverse mortgage some years ago, so I’m pretty familiar with it, although some things have changed within the mortgage itself.

I have been searching on what to do for a loan from the bank and I went through so many people but I ended up calling Liberty. I liked the way they explained things. The application process was great but it took seven weeks. I started on the first of August but they kept finding roadblocks so I didn’t get through until the last of September. I had to keep calling to ask when they were gonna do this because I made promises for payoff and I kept getting kind of roundabout ways. I had to do the appraisal and it took forever.

We own a house that has a lot of equity in it and a reverse mortgage is an easy way to get money, and not make payments. Also, I'm in a unique situation because I live in a home that is very much more above what the HUD rate allows. So, Liberty tells me how much I can take, and I'll still have a lot of equity in my home. The application and underwriting took two months, but my loan officer, Stephen, was on top of it. He had all the information I needed and would readily answer questions through email and phone. Currently, things are going up a little bit and their rate is fine, for now. Liberty paid $15,000 in closing cost and everything went the way that it should have been, and I would recommend them.

I’m almost 90 years old and I needed some work done in my home, but I didn’t want to take a loan and I didn’t wanna go bankrupt. I’ve been in my home for 30 years, so I have a lot of equity. Liberty's location is close to where I live, so I didn’t have to go to a lot of places. Their process was fairly simple and took about a month. Their rate was fair and this was in the current real estate market. I also have an option to buy the loan back. I’d recommend Liberty.

I was looking into a reverse mortgage to pay off some debt. I looked it up online and I called a lot of different people. Liberty’s application process was fine but it could have been faster. They should tell you everything you need at one time instead of having to call back and asking to get more information. I called them in June and closed in August. I had to get all the information that they wanted. I had no problem with doing all of that, so it was good. It was fair and reasonable.

We looked into reverse mortgage and thought it fit our needs. Liberty was great from the get-go and the process was easy. The application and underwriting took 28 days, which was fine. The lady named Mary helped us, made the process very comfortable, and walked us through step by step. She kept up with me once in a daily basis either by a phone call or a text or an email. She also answered every question I had and made it very understandable. Apparently, there's not much leeway on the terms and interest rates and fees in a reverse mortgage, but I liked the way Liberty presented itself and the way Mary presented it. Everything went great.

I needed the reverse mortgage to make living more comfortable for me. I dealt with a different company at first but I ended up being unhappy with them. Then a friend of mine recommended Liberty Home Equity Solutions. The process went through smoothly. The people that I dealt with were very professional. They knew what they were talking about and they explained things to me thoroughly. Liberty was always available as well and they did what they could to make things comfortable for me while going through the transition. They went out of their way to come to my home because I don’t drive to their area. They also did everything to get me the best rate. The service was excellent and I had a good experience. Right now, I’m able to live a little better.

I had taken a reverse mortgage previously so I decided to do it again since we're not moving anywhere. My brother, Lar, researched the different lenders and he said Liberty Home sounded like a good one so I went with them. The process went quite smoothly. The rep was very helpful. He told me if I had any questions, he would answer them, and he did. He explained everything and made sure that I understood. So far everything has been quite good since we did what we need to do. The rep told me how long things would take, and it went like he said. I would recommend Liberty to everyone who wants to do a reverse mortgage.

I talked to several lending providers and Liberty was the best as far as communication. They didn't try to call me every week, but some of the others did. Liberty lets me make my own decision and that's the one thing I like about them. At first the process seemed like a no deal, but it was really nice. There was a lot of paperwork to read in a short period of time but the process didn't take very long. The application was a week and then the underwriting was another week.

My husband passed away and the heating system in the house went and some other things broke at the same time so, I needed my money. I went to my bank and they said I didn’t have any credit even though the house was paid. They suggested a reverse mortgage. I was browsing through the internet and the gentleman from Liberty Home Solutions was the first one that called me. I started the application process at the end of June and I got the loan in September. When they did the title search, they found that there was a possible lien on the property and they had to do the title search. We took out the initial home equity loan in 1990. It was taken out at a bank that another bank bought it out and then, these people bought the mortgage. The woman had to sign off on the note. The lady lives 20 miles from me here in Virginia, but they never indicated nor asked me the location.

We needed money and we went with Liberty for a reverse mortgage. The process was difficult. There was a lot of paperwork and it took us three months to finish. Our interaction with the first guy, Morris, was fine. Johann took over and he was fine too. The rates and terms were acceptable but I wasn't happy with their take out of the repairs. They took 500 bucks from me for the repairs which I was gonna do anyway. I understand I have to pay the taxes and keep up the repairs but I didn't know they were gonna take out 500 bucks right off the bat. Now I have to pay $150 out of that to get a reinspection fee. All they did was a simple primer paint on the front and some gutters, and I almost had it done already. And then, the inspector just came out here in three seconds and said that it's done and that he'd take 150 bucks of my money that I could have had and it pisses me off. Otherwise, I was happy with the experience I had with Liberty.

I went online and tried to get some information on reverse mortgages and learn all about them. I happened to pull up Liberty at random and I was looking at it. Apparently, they know when someone’s looking at their website and they called me, which I thought was strange. The rep explained everything about the reverse mortgage and it sounded interesting. It all seemed okay, so I told him I would let him know my decision in a month. Then he called back a month later and I decided I was gonna go ahead and do it. It was quite a process, however. They had sent the materials out and it was a regular study program. I had to select somebody to take an oral exam with and then the Liberty rep had to certify that I was not an idiot. People that are my age and maybe even older, get confused and they don’t understand what they’re getting into.

I saw Liberty Home Equity Solutions on the internet. All the companies had good ratings but Liberty sounded the best to me. Obtaining a mortgage with them was very easy. Katie and Randy were very kind and very helpful. I felt very good about their guidance. They did everything and the application and underwriting were timely. It was a very good experience.

I was going through some periods of sickness and I had a recent valve replacement. In case it was gonna be more serious, I wanted to make sure that my wife was gonna be able to stay in the house without too much problems. So, I decided on doing a reverse mortgage and chose to work with Liberty Home Equity since, at the beginning, I found them to be better than other providers. However, I was upset because I asked for a certain amount of money to be returned and the person that I dealt with told me that it would be fine. That person evidently didn’t put down all the information on her record.

I got a phone call from an old employee of Liberty Home Equity who was soliciting but we weren’t ready to do anything at that time. All of a sudden, my husband and I talked it over and we decided we would do it. So, I called the guy that I normally dealt with and got Richard. He picked up the ball and took it from there. I liked the convenience of Liberty answering the phone, giving me good answers and the constant communication. They also let me take my time to decide if this was something I wanna do or not and they explained everything very well to me. The application and underwriting took a little over a month and they answered all my emails. It was an incredibly smooth process and I liked the rep’s availability and knowledge. Even the counseling service that we contacted answered all of my questions.

Mike was my loan officer with Liberty and he was really helpful. He was very good to work with. In fact, everybody was. I didn't have any trouble with anybody. There was an awful lot of paperwork but that was okay. Anytime you deal with the government, there would be a lot of paperwork. Besides, it was easy to do. The terms were excellent too.

I contacted two lending providers that were online and I dealt with one of them for a while. I liked the rates at Liberty. However, I didn't care for the persons handling the reverse mortgage at the other companies as well as I did with Eric who was from Liberty. Eric was very thorough, cordial and understanding. Though I would call him rarely, he was always there when I did. If he didn't answer the phone right then, he got right back to me. I liked that about him. The application process with Liberty took two months total and it was a little time consuming. Still, it went smoothly.

We kept thinking we were paying a lot of interest and were not getting anywhere with them. Also, our house is 46 years old and we haven’t done any real upgrades. We wanted to get new kitchen counters. So, when we looked at a reverse mortgage, we decided that would be better than trying to borrow the money and then have more interest. I called Liberty Home Equity Solutions and notified too online, just as a questionnaire, and Ron called back within a couple of hours. He was very informative and he explained the whole process to us because we were not sure about doing the reverse mortgage. We thought we should just take out a home equity loan, and then he explained it so well and we decided we were going with a reverse mortgage.

Working with Dan, the broker from Liberty Home went fine. He did a great job and we didn't run into any glitches which is unlike a lot of lending processes. We did most of the communication through email and Dan responded very well.

I have nobody else in my family to leave my house to so my brothers and sister told me to get a home equity loan and enjoy it. I found Liberty on the computer and I saw AAG too but Liberty was the first one that answered. The application didn't take long but the whole series took a long time. They had an appraiser come here but I never got to see their appraisal. I asked exactly five times, called and complained about it, and finally got the appraiser to send it to me. And there was stuff on there that I don't agree with, that I bought a deck at my house, yet nobody has talked to me about it and I was hoping somebody would.

My wife's not working. But she's working towards getting back into work. She was a nurse in Pennsylvania and now we're in Florida. She's been out in nursing for nine years, so there's a whole process that she has to go through just to get back to work. In the meantime, I'm disabled and I can't work, so I only have so much income. It's not enough to pay all the bills and live in this house. I was in IT and I was making $4,000 to $5,000 a month. I was doing very well and then, my spine just went and it's been going downhill ever since. One operation after the other. It's not like I can go out and get a job so I'm stuck in my situation. But my wife is a little bit of help here.

There were some repairs that we wanted to do in the house and some extra things that we wanted to do. We started checking into a reverse mortgage, looking at all of our options, then we finally ended up full circle with Liberty. With them, there was no pressure. But I got with one of the major corporations that do reverse mortgages and when I didn't want to move ahead, they got a little bit ugly with me and I did not appreciate that one bit. In a way, that kind of funneled and channeled me to the right ones.

My husband decided to get a reverse mortgage. He checked out Liberty and it sounded really good so he contacted them. They called back and he gave them my phone number so they called me back. The rep was very good. He asked questions and I answered to the best of my ability. I also asked questions and he answered every one of them. He did not sound like he had to look it up. That bothered me until I found out what my husband did. I thought it might have been a scam so I was very careful. I paid attention to how long it took him to answer after I asked the questions and everything sounded really good.

I was looking for somebody that did a reverse mortgage for purchase and did a Google search and Liberty came up. The application process was fine and I worked with Stephen at Liberty and he took care of business. Whatever needed to be done, he got it done and didn’t waste a lot of time. I gave him a bit of information. He took the information and put it into the application. So, it was easy. It took a month from application to close. The mortgage insurance is high and we were all bound by whatever the rates were at the time.

My in-laws were in pretty desperate need to do something and I helped them apply for a reverse mortgage. I got a couple of quotes from different providers and Liberty seemed to have the best one. The process took 25 days and everything went smooth. Also, the rep was excellent to work with. He was very helpful to us and he answered all our questions.

When I worked with Liberty, I had some issues with the title on my end but the process was good overall. It was fast too. I worked with Richard and Katie, and I was impressed with their follow-up and willingness to work with me on it. The rate and terms were also good and comparable to others.

I’ve seen Liberty Home Equity on Ocwen and they sent me a letter, a deal. When I called them, they took care of me. The application process was also good. It took a little bit of time, but that’s the way it goes, trying to get everything going. The whole process took two months and a half.

I did a reverse mortgage as it seemed like an uncomplicated way to provide income. I liked the personality of the rep of Liberty Home that I talked to and connected with, so I went with them. The loan officer that I worked with was Mike. He is a nice person and he really cared about doing a good job for me. I was comfortable working with him and the team at Liberty. The lending process took exactly as long as they said it would and there were no surprises.

Liberty was the best to go for a reverse mortgage. They did great. They made it easier to be able to understand all the ins and outs of a reverse mortgage. The reverse mortgage has helped us to be a little bit freed up.

We’re already retired and just trying to make ends meet. We thought if we could get rid of the monthly mortgage, it would certainly make things a lot easier so that was basically the consideration to get a reverse mortgage. Liberty Home Equity Solutions was fast. We got a call from an agent, Nelda, and she was absolutely marvelous to work with. She let us know roughly how the whole process worked.

We chose to go with a reverse mortgage as we didn't want a house payment anymore. Liberty was the company that contacted us first. During the application process, we signed a lot of papers and the whole process took nearly a month. The reps came to my house and they were very professional. I felt very comfortable with the team at Liberty. They were so helpful and always kept me up to date on everything. Also, they immediately got back to me when I had questions. We're very pleased with this company.

I felt more comfortable dealing with Liberty Home than I did with the other people. The rate and terms seemed a little higher than what I was expecting and the application and the underwriting took quite a bit of time, probably a month or more. However, their application process was standard and didn’t seem to be too difficult. Also, Joanne, the officer I worked with, was very professional, friendly and easy to talk to.

I read about the application and underwriting process with Liberty. I decided to call and see what information that I could get. I had never applied for anything like that. I was almost finished paying my loan off and I decided to try reverse mortgage and see if it’ll work. It took three weeks for everything to be completed. However, their rate was a little different and I would like to change the fees. I didn’t think it would be that high because I hadn’t applied for anything for about over 20 years. But other than that, Liberty is good. I had nice people talking and explaining things to me and kept me updated on what was going on. I would recommend people to Liberty if they were interested in it.

I had to spend my nest egg on a medical problem and I didn't have the extra cash I needed. And I have three sons who all said that they didn't need my house. They told me to go ahead and do a reverse mortgage, so I decided to do one with Liberty and they'll take care of it after I'm gone. It was like a remortgage on the original reverse mortgage that I had and their application process was long and thorough. It took three weeks to complete and I answered a lot of questions from their reps.

I got sick and I had to stop working. My bills got really, really behind and I was about to lose my house. I needed money so I had a reverse mortgage from Liberty Home Equity Solutions. They helped me out and facilitated the loan. I was impressed with their rep's professionalism and knowledge. Getting the reverse mortgage helped me not to lose my house as I was able to pay the real estate taxes and the homeowner's association.

My husband borrowed money that I didn’t know about then he died in ‘09 and left me $69,000 on this house. It would have been paid off in September and I tried to make it until then but I couldn’t. I’m 74 and I can’t work because of arthritis. I've got a pension from the post office but everything costs so high. I have to pay my own bills and I don’t pay late. But I didn’t even have money to pay my taxes this year. I even use my credit card and that’s why we’re able to buy food. I also needed to pay for the house insurance and I didn’t have anybody to help me. The reverse mortgage was the best way to go. I had no other choice.

I've looked into reverse mortgage for years and I wanted to get some income I can fall back on. A friend of mine called me about Liberty and he knew that they are a good company. The application process was wonderful and the application and underwriting took about 5 weeks. The representative named Eric was wonderful. He got back with me with any questions and then he would check if everything was going okay. He was right on top of everything and I was very comfortable working with him. I will also definitely refer people to him if I have the pleasure to do so. We’re happy with the rate and the terms too. Overall, Liberty is a good company and I’m glad I chose them. They are very professional, they helped us out and we have money to fall back on now in case we need it.

I wanted to get away from the payment, but I realized I have to pay my insurance and taxes. A reverse mortgage reduces my cost every month by not having that and it’s the thing for us to do today. Back then, I had been looking at it for several months and decided to go ahead. Liberty Home Equity Solutions called me first. The application process was okay. Usually, those things would take a while, and I wasn’t expecting it to be immediate, so it was within acceptable ranges. There were lots of things that had to be done including the appraisal on the house and the estimate of what it was worth. They went by my word and it was what I thought it was worth, but it was worth more, so the process, as far as figures, had to be done again.

I wanted to do some stuff around the house but I couldn’t afford it on my own. I could use the money from a reverse mortgage. Liberty had somebody come to the house for me and go over stuff, and I thought that was the way to go. The process wasn’t difficult either. It just took a while. It took close to two months but a lot of it was my fault. I wanted to make sure the reverse mortgage was what I wanted to do and I didn’t get back to them. Otherwise, it all went smoothly. They kept me informed of what was going on and I was satisfied with the way I was treated. The terms satisfied me as well.

Getting a reverse mortgage through Liberty took a little longer than we thought, but the two reps I dealt with were always there whenever I call them. I applied in March then I got the first bit of money after five months. The reverse mortgage was for some needed repairs and upkeep of the property instead of selling it. Now, we’re waiting to get the roof part done, but they’re holding the money back and I’m waiting for paperwork from another company. But so far, they’ve been doing well. One of their reps, Eric, is still checking up on me if I’ve gotten the packet and helping me through some other things.

I thought that getting a reverse mortgage would have us more disposable cash so we could do what we’d like to do in our old age and Liberty seemed to have the answer that nobody else did. We spoke with three companies, and our loan officer at Liberty, Chris, was very positive about it. He kept in touch us with us all of the time and he nursed us along the whole thing. He was thorough and responsive. Anything that we asked, he was able to answer and we felt really comfortable with him. We did not want to go out of the area and we felt better dealing with someone locally, but it never worked out because we felt better with Chris all the way from Sacramento. We put the faith in Chris and it worked. Nobody else seemed to think that we could pull the equity out of this house.

Getting a mortgage from Liberty Home Equity Solutions didn't take too long. We just wanted to do it and it sounded good. We didn't have to put any money out, so we were happy about it. Their reps came here and went over everything. And, their loan officer was friendly, knowledgeable, very thorough and was willing to help.

We went with a reverse mortgage for our retirement since it's a good way to pull some extra cash out of the house. In addition, we don't plan on going anywhere and we'll stay in the house until we die. I had chosen AAG for my first reverse mortgage and called them up to try to get another one. I spoke to some moron who didn't know what he was doing, so the conversation ended. I then gave Liberty Home Equity Solutions a call and the rep who assisted me was easy to talk to. At one point that he wasn't around, the supervisor got on the line and explained some questions I had. Their process was pretty straightforward and easy, and they didn't sound like a bunch of BS. However, the closing cost was a bit high. Still, they gave an appraisal value that made sense and I'm getting more cash out of the house. They did all the work, kept in contact and they answered any questions or concerns I had.

I wanted to have extra money in case of any emergencies in the house and also to use for vacations, and at first, I got involved with a different reverse mortgage company that was ridiculous. Afterwards, I checked out Liberty and decided to go with them. Both husband and wife have to be 62 years of age or older to get a reverse mortgage and the process did not take very long. It was a couple of weeks.

My mom and dad were guided to choosing a reverse mortgage as part of the retirement plan through some friends that I got to know and long-term bankers in the area. Experiencing that educated me and I did my own research, so when the time came for me to look at reverse mortgage, it really fit my needs a lot better than the traditional reverse mortgage. I did some blind research and called different companies and got a few people on the phone. I was initially looking at Texas to do this whole thing, but when it came the time that I decided on out-of-state, Mary, the Texas agent for Liberty Home Equity Solutions, suggested the reverse for purchase. The other companies that I talked with were very nice and very professional, but Liberty was the only one that asked more probing questions and Mary continued to follow up.