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TO BEGIN A NEW RATE SEARCH:

 

1.   Fill in search criteria below.

2.  After rates populate, click “Show More" to view all available options.

3.  Choose the term, rate and payment that best fits your needs:

      Various loan programs are available depending on whether you are looking to reduce closing costs or lower

     your rate and monthly payment.  Subject to qualification.

     

Discount Points lower your interest rate and monthly payment in exchange for a one-time fee that is added to your closing costs.

 

         Lender Credits reduce your closing costs in exchange for a higher interest rate.

 

   

TO SPEAK TO A LOAN OFFICER:

 

SINGLE FAMILY, CONDOMINIUMS AND 2-4 UNIT PROPERTIES

Please call 773.594.6647 

or click the Apply Now button to begin an online application.

 

MULTI-FAMILY PROPERTIES

Please call 773.594.6638 to check rates on properties with more than 4 units.

 

 

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The information provided on this page is for comparative purposes only. Rates and terms may change at any time and without prior notice. Your actual rate, payment, terms and costs could be different. Get an official Loan Estimate before choosing a loan. Your rate, fees, and terms may differ based on when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, loan to value ratio, etc. The payment examples do not include mortgage insurance. The actual payment will be higher if mortgage insurance is required on your loan. The payment examples do not include amounts for taxes and insurance premiums. Your actual payment obligation will be greater considering taxes and insurance premiums.

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Terms subject to credit approval.

A final interest rate and APR will be determined by submission and review of a complete loan application.

  • Your APR will vary based on your final loan amount and finance charges.
  • The "Payment" amount for each loan product displayed is a monthly payment amount that includes principal and interest only.
  • PMI is required for all loans with less than 20% down payment or equity position, based on a value determined by a full property appraisal ordered by Liberty Bank for  Savings.   The actual payment will be higher if mortgage insurance is required for your loan.
  • You may “lock” or “float” your interest rate at your discretion. 

If you choose to “float” the interest rate, the interest rate on your loan application will remain subject to change until such time as you execute a rate “lock” with Liberty Bank for Savings.

  • Within three (3) business days of submitting a completed loan application, you will receive a Loan Estimate which includes an estimate of “Closing Fees” and an interest rate.
  • Upon receipt of your signed “Intent to Proceed” disclosure, an Application Fee will be collected.
        The amount of the fee is determined by the occupancy of the property and the number of units:
             $450 - 1 -4 Unit/Owner Occupied
             $575 - 1 -4 Unit/Non-Owner Occupied
             $600 - 5+ Units (Residential)
             $0.00 - Pre-Approval for Purchase
  • The amount specified for "Closing Fees" for each product is only an estimate; the actual fees will be included in a Closing Disclosure which you may review for 3 business days prior to consummation of the loan and will include the final APR based on the fees included in the Closing Disclosure.