Explore Your Path to Homeownership
Discover Tailored Loan Solutions for Every Need
At American Liberty Mortgage, we offer a diverse range of loan programs designed to meet the unique needs of every borrower. Whether you’re a first-time homebuyer or looking to refinance, our expert team is here to guide you every step of the way.
Choose the Right Loan for Your Future
The Key to Successful Homeownership
Loan Program Benefits
Explore our diverse range of loan programs tailored to meet your unique needs, whether you’re a veteran, first-time homebuyer, or looking to refinance.
VA Home Loan
Benefit from $0 down payments, no private mortgage insurance, and competitive rates, exclusively for veterans and active-duty military members.
FHA Loan
Accessible financing with low down payments and flexible credit requirements, backed by the Federal Housing Administration.
Conventional Loan
Ideal for borrowers with good credit, offering competitive rates and flexible terms without government insurance.
USDA Loan
Designed for rural buyers, offering $0 down payment options and low interest rates for eligible areas.
First-Time Homebuyer Loan
Specially designed to help newcomers achieve homeownership with low down payments and flexible credit requirements. Perfect for the first-time buyer looking for support and simplicity during their homebuying journey.
Jumbo & Super Jumbo Loan
Suited for high-value home purchases above standard conforming limits. Jumbo loans—and their even larger counterpart, Super Jumbo—finance luxury properties and typically require higher credit scores and larger down payments.
Self-Employed Loan Options
We offer specialized mortgage solutions for self-employed borrowers, including bank statement loans, 1099/1098 income loans, asset-based loans, and non-QM products. Get approved even without traditional W‑2 documentation
Adjustable-Rate Mortgage (ARM)
If you’re planning to move or refinance in a few years, ARMs offer lower initial interest rates that adjust over time. Great for short-term savings or strategic homeownership plans.
Fixed-Rate Mortgage
For stability and predictable payments, fixed-rate mortgages lock in your interest rate for the life of the loan. Most borrowers choose a 15-year or 30-year term to suit their timeline and budget.
Debt Consolidation Refinance
Roll high-interest credit card balances or personal loans into one manageable mortgage payment, potentially with lower rates. Streamline your monthly expenses and reduce debt faster.
Heroes, Teachers & 1% Down Programs
Specialty programs designed for teachers, first responders, veterans, and other heroes, often with down payments as low as 1%—making homeownership more accessible for those who serve our communities.
2‑1 Rate Buydown
Buy down (reduce) your interest rate by 2% the first year and 1% the second year—giving you breathing room during the early months of homeownership, then locking into a regular rate after.
Construction & Renovation Loans
Finance new builds, remodels, or renovations with one convenient loan:
Construction loans fund new home builds.
203k / Homestyle rehab loans allow you to buy and renovate under one mortgage.
Proud Partners with Yoakum National Bank
We’ve teamed up with Yoakum National Bank to bring you even stronger local support, more financial resources, and the trusted service Texans have counted on since 1890.
With deep roots and a commitment to community-first banking, YNB is the ideal partner as we continue to help more people across Texas find the perfect home loan solution.
Ready to Take the Next Step?
Contact American Liberty Mortgage today for personalized guidance in choosing the right loan program for you.
Our experts are here to help every step of the way.
Home should feel like this.
American Liberty Mortgage: Explore Your Home Financing Options
– stress-free, step by step.
