Don Carriker & Liberty Bank
4625 S. National Avenue
Springfield, MO 65810
Phone: (417) 844-5370
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Giving You the Tools to Make the Best Possible Decision When it Comes to Buying or Refinancing Your Home!
My name is Don Carriker. I have been a home loan consultant since 1997, and have made it my goal, as your consultant, to provide you with the best possible service available. As a homeowner and investor myself, I know what the dream of home ownership is and I will strive to help you achieve that goal with the best financial means possible, and more than anything, to earn the opportunity to become your mortgage consultant for life!
I love using my teaching background to educate and inform my clients so they can make the best informed decision when it comes to buying or refinancing their home.
- Don Carriker, Home Loan Consultant
Our Commitment To You!
Our team is committed to offering education about the different types of home loans that are available today and the ins and outs of each.
We look forward to bringing you the best up-to-date information regarding every step of the home loan process.
Visit Us Online at iwantagreathomeloan.com
FHA Home Loans
FHA Home Loans are some of the most common home loans on the market today. FHA home loans are federally assisted mortgages that are insured by the FHA (Federal Housing Administration). These are primarily for people who cannot afford a conventional down payment or do not qualify for Private Mortgage Insurance.
In order to get one of these loans you need to go through a federally qualified FHA lender. Generally speaking, FHA loan requirements are more lenient than those of conventional lenders.
Liberty Bank's Mortgage Division
Liberty Bank's Mortgage Division offers home buyers a wide array of mortgage solutions to choose from, including fixed rate, adjustable rate, home equity, new purchase and refinance loans. In addition, we also offer many flexible programs to fit your situation and needs.
Contact Don Carriker, Liberty Mortage Loan Officer, for the best up-to-date information regarding the home loan process. 417.844.5370
Conventional Home Loans
Conventional loans are typically more difficult to qualify for due to their not being insured by any federal authority, such as FHA home loans, VA home loans or USDA home loans. Current standards require credit scores of at least 620 to 640, but if you want to get the best rates and low costs you see advertised in the media, you must have a score of 740+. Also, you can only borrow 80% of the homes current value, unless you are prepared to pay for Private Mortage Insurance (PMI).
If you are interested in a conventional home loan and reside in one of the states we serve (Missouri, Kansas, Arkansas or Oklahoma), please visit our website and fill out the Quick Application and get pre-qualified today.
VA Home Loans
VA home loans are available for qualified veterans and active-duty service members. A VA Loan allows the borrower to finance 100% of the home's value and purchase with $0 down. A VA Loan doesn't require, private mortgage insurance to be paid by the borrower. Borrowers will also get lower rates with a VA Loan.
With all these benefits, the qualification process for a VA Loan is much stricter. Contact us today at 417.844.5370 to see if a VA Home Loan is right for you!
Find us in: Springfield, MO