CONVENTIONAL
Fixed & adjustable
A range of fixed and adjustable-rate loans for a primary home, second home or investment property.
Explore conventional
Delray Beach · Since 2001
Light the way home.
Purchase, refinance, jumbo, VA and reverse mortgages, guided by real people who answer the phone—nights and weekends included.
2001Lighting the way since
5.0 ★★★★★200+ client reviews
7States licensed
7 daysa week, after hours too
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Where do you want to go?Pick your path.
Pick your path.
We'll carry the torch.
Every Liberty loan starts with your goal, not a form. Tap where you are and we'll show you the next step.
The Liberty Rapid Approval Advantage™What took weeks
What took weeks
can take minutes.
In a business where time is money, we walk you through the loan process and help you close faster. Three steps, one team, plain English the whole way.
STEP 01
Confirm eligibility
We review your financial picture with you and give expert guidance on every financing option you have.
STEP 02
Get your quote
Within minutes we break down each scenario in plain English, and give you time to make your own decision.
STEP 03
Lock and close
The moment you give us the word, your rate is locked and your loan is on its way to the closing table.
Make the numbers feel realYour numbers,
Your numbers,
in seconds.
Slide the numbers and watch your payment, your buying power or your refinance savings change live. Then bring them to a Liberty loan officer.
Estimated monthly payment
$0 /mo
Estimated home price you could explore
$0
Estimated monthly change
$0 /mo
Talk through my numbers
Illustration only — not a quote, rate offer or commitment to lend. Example rates are not current rates or APRs. Taxes, insurance, HOA, mortgage insurance and closing costs vary. Affordability uses common 28% / 36% guidelines as a starting point.
Loan programsDifferent goals.
Different goals.
More possibilities.
A multi-state lender offering conventional, FHA, VA, jumbo, portfolio and private equity mortgage products, plus reverse mortgages from a dedicated specialist.
FHA & VA
Government-backed
As an FHA and VA approved correspondent lender, we have options for first-time buyers and those who served.
Explore FHA & VA
JUMBO & PORTFOLIO
Beyond ordinary
Larger loans, bridge loans for cash buyers, hard-money loans for investors and foreign national programs.
Explore jumbo
REFINANCE
Refinance & cash-out
Review your current mortgage, your equity and your long-term goals, then decide with clear numbers.
Run refinance numbers
EQUITY & RENOVATION
Put equity to work
Ask about home equity and renovation financing, and compare each option side by side with the team.
Ask about equity
REVERSE / HECM · 62+
Your home, your retirement
An FHA-insured reverse mortgage for homeowners 62+. HUD-approved counseling is required; you keep paying taxes, insurance and upkeep.
Talk to our specialistPrograms and eligibility vary. All financing is subject to application, credit approval, underwriting and property approval. Not all products are available in every state.
From first question to front door
“We strive to make financing the least stressful part of purchasing a home.”
Erez CohenCFO & Co-Founder · NMLS #136062
Our satisfied clients
5.0
★★★★★
Five stars across 200+ client reviews, from first-time buyers in Pompano to families in Boca Raton.
★★★★★
“Liberty Mortgage Lending has been excellent every time. I could not ask for better customer service or professionalism.”
★★★★★
“Mr. Cohen explained everything very clearly. He kept in constant contact with us… He goes above and beyond for his clients.”
★★★★★
“Erez did a great job communicating and spelling out the process. I would use him again in a heartbeat.”
Real people. Real conversations.Meet your
Meet your
home team.
Two co-founders with 20+ years each, and a team of senior loan officers who know South Florida, and six more states, by heart.
CEO & CO-FOUNDER
Ryan Rosenthal
20+ years of experience and honest, sound advice on every step to your home loan. A husband and father of two who knows what a safe, loving home means.
NMLS #136059Email RyanCFO & CO-FOUNDER
Erez Cohen
Twenty-plus years in finance and known for customer service. Every client gets the time they deserve, seven days a week.
NMLS #136062Email ErezAM
Alonso MarchenaSenior Loan Officer · NMLS #1034763
JUMBO · FOREIGN NATIONAL · COMMERCIAL
JUMBO · FOREIGN NATIONAL · COMMERCIAL
TS
Troy StoloffSenior Loan Officer · NMLS #146598
16+ YEARS · PROCESSING & UNDERWRITING
16+ YEARS · PROCESSING & UNDERWRITING
MS
Maurice StewartSenior Loan Officer · NMLS #381697
CONDO & MULTIFAMILY FINANCING
CONDO & MULTIFAMILY FINANCING
CK
Charlie KluckSenior Loan Officer
REVERSE MORTGAGE SPECIALIST
REVERSE MORTGAGE SPECIALIST
MF
Maria FordSenior Loan Processor · NMLS #328995
SE HABLA ESPAÑOL
SE HABLA ESPAÑOL
AH
Angelica HerreraTransaction Manager & Processor
LICENSED FL BROKER SINCE 1999
LICENSED FL BROKER SINCE 1999
Since 2001
Through every high and low of the market, with first-time borrowers coming back again.
Not nine to five
Loan officers available after hours and on weekends, because real estate never stops.
Plain English
Every scenario explained clearly, with time to decide for yourself.
Se habla español
Spanish-speaking team members ready to help your whole family.
In the heart of downtown Delray
Our doors.
393 NE 5th Avenue
Delray Beach, FL 33483
Our doors.
Your beginning.
393 NE 5th AvenueDelray Beach, FL 33483
A few blocks north of Atlantic Avenue, right on Federal Highway. Stop by, or let us come to you by phone.
LICENSED IN
FloridaCaliforniaColoradoGeorgiaNorth CarolinaMichiganLouisiana
A little clarityGood questions.
Good questions.
Straight answers.
Where do I start if I'm buying my first home?
Start with a short conversation. We'll review your income, savings and credit with you, explain which programs fit (including FHA and VA), and tell you exactly which documents to gather.
How fast can Liberty close?
Our Rapid Approval Advantage™ is built for speed: quotes in minutes and a team that moves the moment you say go. Your exact timeline depends on the property, appraisal and underwriting, and we'll give you a realistic date up front.
Can I see if refinancing makes sense?
Yes. Try the refinance calculator above, then send us your numbers. We'll compare your current loan, costs and goals and tell you honestly whether it's worth it.
How does a reverse mortgage work?
A HECM is an FHA-insured reverse mortgage for homeowners 62 or older. HUD-approved counseling is required. You must live in the home, maintain it and keep property taxes and insurance current. Interest and fees add to the balance, which becomes due under the loan's terms, such as when the home is sold. Our reverse mortgage specialist will walk you through it.
Do you work evenings and weekends?
Yes. The mortgage business isn't nine to five, so our loan officers are available after hours and on weekends.
Your next chapter starts here
Get your free quote
Get your free quote
in seconds.
Three quick taps. No credit pull, no obligation. A Liberty loan officer gets back to you, often the same day.
What's your goal?
When are you looking to move?
Where should we reach you?
Your torch is lit.
Thank you! A Liberty loan officer will reach out shortly. Need us now? Call 561-266-2621.