For self-employed borrowers
Bank Statement Loans
A bank statement loan is a non-QM option that uses your personal or business deposits to show income when tax returns do not tell the full story.
How bank statement loans work →
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A licensed mortgage broker who shops lenders — not one bank’s overlay.
Conventional, FHA, VA, USDA, jumbo, and limited-doc loans in Florida, Pennsylvania, and New York. We look at the file instead of forcing it into one box. That is not a promise of approval.
Prefer a short form first? Get pre-qualified.
Liberty Group Funding, Inc., NMLS #1493267
Licensed in FL·PA·NY
NMLS #1493267
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Since 2015
Dozens of lenders, one application
Programs
Shop the program that fits the file
Conventional, FHA, VA, USDA, jumbo, and first-time paths when the documents already tell the story. Bank statement and DSCR when they do not.
Fannie Mae & Freddie Mac
Conventional
Conventional loans follow Fannie Mae or Freddie Mac rules. They are often a fit when paystubs, W-2s, and tax returns already show the income you need.
Conventional details →Government-backed
FHA
FHA loans are insured by the Federal Housing Administration. Guidelines come from FHA and from each lender that overlays extra rules on top.
FHA details →Veterans & service members
VA
VA loans are backed by the U.S. Department of Veterans Affairs. We help you check eligibility and then shop lenders that actually take VA files.
VA details →Rural housing
USDA
USDA rural housing loans are for eligible borrowers and properties in areas USDA maps as rural. Location is a hard filter — we check the address first.
USDA details →Above conforming limits
Jumbo
Jumbo loans are for amounts above the conforming limit that applies to that county. Guidelines vary widely by investor — we shop them instead of guessing from a blog post.
Jumbo details →First purchase
First-time
First-time buyers often use FHA or conventional. We look at income, occupancy, and the property — then pick a documentation path. We do not promise that everyone qualifies.
First-time details →
For investors
DSCR Loans
A DSCR loan looks at whether the property’s rent can cover the housing payment. DSCR means Debt Service Coverage Ratio: monthly rent divided by PITIA (principal, interest, taxes, insurance, and HOA).
How DSCR loans work →Bank statement and DSCR files are also offered under The Mortgage King™, a brand of Liberty Group Funding, Inc..
Why borrowers come to us
A broker who looks at the file instead of one bank’s box
We do not promise a yes. We promise a licensed shop in Florida, Pennsylvania, and New York that will match the scenario to lenders.
Banks add extra rules
FHA, VA, and conventional loans already have agency guidelines. Large lenders often stack more rules on top — overlays — so they can be picky with the files advertising sends them.
We shop dozens of lenders
Liberty Group Funding, Inc. is a mortgage broker. One application can be matched to more than one investor. The goal is a guideline set that fits the file you actually have.
When you call, we pick up
Realtors and borrowers work with us because we stay in contact. That is a service standard, not a guarantee that every file closes. The lender still has to say yes.
Process
Three steps, then a real underwriting decision
No slogans about nobody else being able to close it. Just a clear path.
- 1
Tell us your scenario
Loan type, state, property, and a credit range. No Social Security number, date of birth, or bank account numbers on the web form.
- 2
We match you to a lender
We review the file against the lenders we work with and tell you which documentation path is realistic — conventional, FHA, VA, USDA, jumbo, bank statement, or DSCR.
- 3
Close
If a lender issues an approval, we help you through conditions to closing. The lender funds the loan. We do not.
Get pre-qualified in a few short steps
We will not ask for your Social Security number, date of birth, or bank account numbers on this form.
Liberty Group Funding, Inc., NMLS #1493267
- 1. Loan type
- 2. State
- 3. Purpose
- 4. Property
- 5. Amounts
- 6. Credit
- 7. Contact
Borrower notes
First names, real scenarios
Results vary. These comments are from individual borrowers and do not guarantee a similar outcome for any other person.
“I bought my first house with Liberty Group Funding. They were helpful and knowledgeable. They made the process understandable and we closed on time.”
Ashley
FHA purchase · first-time homebuyer
“Completed the pre-approval and the home loan. Attended closing, reviewed paperwork as needed, and answered questions. I will recommend them to family and friends.”
Ingrid
Conventional condo purchase
“A large lender dragged the file out, lost paperwork, then said deductions on my tax return meant I did not qualify. Our realtor kept pointing us to Liberty. After we called, the file moved and we bought our first home.”
Daniel
VA purchase
“Professional, efficient, and clear during a refinance of investment properties. I came back for additional purchases with the same team.”
Paul
Investment property refinance
“Step-by-step guidance, and they answered email, phone, and text in a timely way. Closing happened on time. I have done more than one loan with them since.”
Alphonse
Conventional purchase
“Efficient, professional, and willing to answer questions and concerns. We have the house we wanted and would call again for another purchase.”
Jorge
FHA purchase
FAQ
Questions people ask before they apply
Liberty Group Funding, Inc. is a mortgage broker (NMLS #1493267). We take your scenario, match it to lenders we work with, and help you apply. We do not make loans ourselves. A lender underwrites and funds the loan.
Se Habla Español
Tell us the scenario. We will tell you if we can help.
Call, text, or send the short pre-qualification form. No Social Security number, date of birth, or bank logins.
Liberty Group Funding, Inc., NMLS #1493267