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Mortgage Broker in Columbus OH | Home Loans | (614) 505-0620

Liberty Capital Services is a 5 Star residential mortgage broker in Columbus OH that can help with many types of home loans. Call us today at (614) 505-0620.

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Best Uses for a Home Equity Loan

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One of the perks of homeownership is that you can take out a home equity loan. This is a type of second mortgage where you borrow against your home equity for flexible, affordable financing. You can use the funds from a home equity loan pretty much however you want. Here […]

Mortgage Rates Reach 3-Year Low in January

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Last month, we reported that conforming loan limits have increased for 2026. Now, we have another exciting piece of news for Ohio homebuyers and homeowners. Mortgage rates have just dipped to their lowest point in 3 years. The average rate for a 30-year fixed-rate mortgage is now just 6.06%, compared […]

Higher Conforming Loan Limits for Ohio in 2026

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As we move into 2026, homebuyers in Columbus and throughout Ohio will be pleased to hear that conforming loan limits have increased. In its announcement, the Federal Housing Finance Agency (FHFA) stated, “In most of the United States, the 2026 CLL value for one-unit properties will be $832,750, an increase […]

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Liberty Capital Services LLC
438 E Wilson Bridge Rd #106
Columbus, OH 43085
(614) 505-0620
NMLS # 917485
MBR1457-FL
804089-OH
60DBO36749-CA
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Equal Housing Lender

Liberty Capital Services LLC is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.


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Angel W.
3 weeks ago
⭐⭐⭐⭐⭐ Highly Recommend! I’m extremely happy that I chose Rao Shen(Bilingual) to help me with my mortgage loan process in my language. She is incredibly professional, patient, and knowledgeable. With her guidance, I felt like I had nothing to worry about throughout the entire process. Rao spent nine months patiently guiding me on how to prepare my documents and improve my credit score before we even started the loan process. During the application and underwriting process, she also helped me prepare multiple letters of explanation and made sure everything was properly documented and submitted. Thanks to her hard work, guidance, and attention to detail, I successfully passed the underwriting process and was able to get the loan amount I needed. Honestly, without Rao, I don’t think this loan would have been possible. She went above and beyond to help me, and I truly appreciate everything she did for me. I highly recommend Rao Shen to anyone looking for a professional, knowledgeable, and trustworthy mortgage loan professional!
Jallal H.
3 weeks ago
Really fast and professional people. Everyone went over and above for me to get what I needed
John L.
2 months ago
Very responsive, smooth service! Would recommend.
Andrew W.
4 months ago
Really enjoyed working with James and Laura. They were extremely responsive to all the questions I had and got us a rate we were really happy with. I'd work with them again!
Hao W.
4 months ago
I had an excellent experience working with Shen Rao at Liberty Capital. From the beginning, Shen recommended the loan product that best fit my situation and took the time to explain all of my options clearly. Whenever I had questions or ran into any issues, she responded quickly and always found a solution. Her communication was prompt, professional, and reassuring throughout the entire process. Thanks to her hard work and expertise, my loan closed smoothly and on time. I truly appreciate everything Shen did for me and would highly recommend both her and Liberty Capital to anyone looking for a reliable mortgage lender.
P J.
5 months ago
James & his team were incredible! As first-time home buyers, we didn't know what to expect, but we were thoughtfully taken care of throughout the whole process. And we learned a lot along the way! We're so thankful for James' guidance and support.
William S.
6 months ago
Great experience.
Joshua N.
6 months ago
Over the past few months, Ms. Rao Shen has helped us refinance with great care and dedication. Her service has been highly professional and very efficient. We are truly grateful to her.
Colleen C.
6 months ago
Just closed my fourth home with James and his team. I cannot tell you how much confidence I put in him to get us the best rate and to get things over the finish line on time. This one had some difficulty, some delays due to circumstances beyond anyone’s control, and last minute chaos, without him, it would not have closed on time. We highly recommend with confidence.
Missy C.
6 months ago
Shirley Z.
6 months ago
Shen Rao goes above and beyond for her clients and has helped me in the process of successfully securing my first condo. As a first time home buyer, I am always nervous and she was attentive and open to any questions I had. She took the time to explain each step of the process in a way that made everything feel manageable and clear, which really helped ease my anxiety. Her professionalism, patience, and genuine care made a stressful experience feel smooth and even exciting. I always felt like I was in good hands, and it was clear that she truly had my best interests at heart. I’m incredibly grateful for her guidance and would highly recommend her to anyone looking for a knowledgeable and dedicated real estate professional.
Yongping G.
6 months ago
I had an excellent experience working with Rao Shen as my loan officer. My situation was not straightforward, and I had already faced difficulties getting approved by other banks. Rao went above and beyond to guide me through the process, stayed patient with every detail, and ultimately helped me secure the loan when it felt nearly impossible. What really stood out was her professionalism, responsiveness, and genuine willingness to help. She took the time to explain everything clearly and made sure I felt confident every step of the way. Because of my positive experience, I’ve also recommended Rao to several friends, and she has successfully helped them obtain their loans as well. It’s rare to find someone so dedicated and reliable in this field. I highly recommend Rao Shen to anyone looking for a trustworthy and capable loan officer.
Sen G.
6 months ago
This lending institution is highly professional and responsible. The entire process was smooth, efficient, and transparent, which gave me great confidence and peace of mind. The team was patient, attentive, and always willing to answer every question in detail. They truly put their clients first and provided outstanding service from start to finish. I highly recommend them to anyone looking for reliable and trustworthy financial support.
sgn C.
6 months ago
Shen Rao is my loan broker. She provided exceptionally professional service and gave patient, thorough explanations throughout the process. She helped me with translations and prepared all the necessary documents, ensuring a smooth loan process. I am very satisfied and highly recommend her.
Wenxin Y.
6 months ago
We had a non traditional difficult case that was handled by Ms.Shen and she was able to have the case approved within a very short amount of time. She is on it!
Chris D.
6 months ago
James and his team were amazing! Made the process easy! Highly recommend
Sam C.
6 months ago
Shen is the best broker I ever met. We worked for a few properties, and she made the process very smooth and quick!!
B&C
6 months ago
Shen Rao was extremely professional and made the whole mortgage process fast and smooth. I really appreciate how quickly everything was completed.
Justin H.
7 months ago
As a realtor, I’ve had the pleasure of working with Jarrod Singleton at Liberty Capital Services LLC, and I can confidently say he is one of the most reliable and detail-oriented professionals in the business. From start to finish, he keeps everything organized, communicates clearly, and makes what can often be a stressful process feel smooth and manageable. His responsiveness and ability to stay on top of every detail really set him apart. Whether it’s coordinating documents, meeting tight deadlines, or answering questions quickly, Jarrod consistently delivers with a high level of professionalism. If you’re looking for someone who genuinely cares about getting things done right and on time, I highly recommend working with Jarrod Singleton at Liberty Capital Services LLC. You’ll be in great hands.
Jenna K.
7 months ago
I cannot recommend Liberty Capital Services more!! And here's why... I learned about Jarrod through my brother who also used him, and calling Jarrod was the best thing I could have done. He helped me through the process of obtaining my first home loan, and then again out of the blue with a refinance a few years down the road when life got a little messy (as it often does!). Since then, I've referred so many friends and others to him, because he makes the process SO simple! On top of that, he's very easy to talk to and truly feels like talking to a close friend (who swears a lot and tells you like it is haha). You absolutely cannot go wrong contacting him for your loan needs!! THANK YOU ENDLESSLY, JARROD. I could not have done any of this without you!
Zaine N.
7 months ago
Jarod is super helpful if u ever have the chance to go through him i definitely recommend him.
Nick G.
7 months ago
James and Laura were awesome to work with. They made our first time buying a home a breeze and helped us feel at easy throughout the process. No question was too small. They are very friendly and I would recommend to anyone looking for competitive rates and great customer service. Thank you Liberty Capital!
Trevor R.
7 months ago
Look no further for your mortgage needs, seriously! You can do the traditional way and look for three lenders, but you'd be wasting your time. Jason Krasnow at Liberty Capital is bar none. First, he educated me on the pre-qualification process. Second, he was communicative throughout the whole process. Third, and most importantly, he made sure I was able to close on my property. Jason made the mortgage process easy and hassle free. A big plus for someone new to the home buying process. 10/10 would recommend Jason to anyone, new or seasoned, in the real estate world.
Sohail W.
7 months ago
Amazing financial services. Thought this process would be harder but James made everything go by so smoothly and easy! Best experience and will recommend to everyone !
Teresa K.
7 months ago
Our realtor recommended James and I’m so thankful. We had a unique situation. James and his team were responsive, helpful, and got us what we needed!
Angel W.
3 weeks ago
⭐⭐⭐⭐⭐ Highly Recommend! I’m extremely happy that I chose Rao Shen(Bilingual) to help me with my mortgage loan process in my language. She is incredibly professional, patient, and knowledgeable. With her guidance, I felt like I had nothing to worry about throughout the entire process. Rao spent nine months patiently guiding me on how to prepare my documents and improve my credit score before we even started the loan process. During the application and underwriting process, she also helped me prepare multiple letters of explanation and made sure everything was properly documented and submitted. Thanks to her hard work, guidance, and attention to detail, I successfully passed the underwriting process and was able to get the loan amount I needed. Honestly, without Rao, I don’t think this loan would have been possible. She went above and beyond to help me, and I truly appreciate everything she did for me. I highly recommend Rao Shen to anyone looking for a professional, knowledgeable, and trustworthy mortgage loan professional!
Jallal H.
3 weeks ago
Really fast and professional people. Everyone went over and above for me to get what I needed
John L.
2 months ago
Very responsive, smooth service! Would recommend.
Andrew W.
4 months ago
Really enjoyed working with James and Laura. They were extremely responsive to all the questions I had and got us a rate we were really happy with. I'd work with them again!
Hao W.
4 months ago
I had an excellent experience working with Shen Rao at Liberty Capital. From the beginning, Shen recommended the loan product that best fit my situation and took the time to explain all of my options clearly. Whenever I had questions or ran into any issues, she responded quickly and always found a solution. Her communication was prompt, professional, and reassuring throughout the entire process. Thanks to her hard work and expertise, my loan closed smoothly and on time. I truly appreciate everything Shen did for me and would highly recommend both her and Liberty Capital to anyone looking for a reliable mortgage lender.
P J.
5 months ago
James & his team were incredible! As first-time home buyers, we didn't know what to expect, but we were thoughtfully taken care of throughout the whole process. And we learned a lot along the way! We're so thankful for James' guidance and support.
William S.
6 months ago
Great experience.
Joshua N.
6 months ago
Over the past few months, Ms. Rao Shen has helped us refinance with great care and dedication. Her service has been highly professional and very efficient. We are truly grateful to her.
Colleen C.
6 months ago
Just closed my fourth home with James and his team. I cannot tell you how much confidence I put in him to get us the best rate and to get things over the finish line on time. This one had some difficulty, some delays due to circumstances beyond anyone’s control, and last minute chaos, without him, it would not have closed on time. We highly recommend with confidence.
Missy C.
6 months ago
Shirley Z.
6 months ago
Shen Rao goes above and beyond for her clients and has helped me in the process of successfully securing my first condo. As a first time home buyer, I am always nervous and she was attentive and open to any questions I had. She took the time to explain each step of the process in a way that made everything feel manageable and clear, which really helped ease my anxiety. Her professionalism, patience, and genuine care made a stressful experience feel smooth and even exciting. I always felt like I was in good hands, and it was clear that she truly had my best interests at heart. I’m incredibly grateful for her guidance and would highly recommend her to anyone looking for a knowledgeable and dedicated real estate professional.
Yongping G.
6 months ago
I had an excellent experience working with Rao Shen as my loan officer. My situation was not straightforward, and I had already faced difficulties getting approved by other banks. Rao went above and beyond to guide me through the process, stayed patient with every detail, and ultimately helped me secure the loan when it felt nearly impossible. What really stood out was her professionalism, responsiveness, and genuine willingness to help. She took the time to explain everything clearly and made sure I felt confident every step of the way. Because of my positive experience, I’ve also recommended Rao to several friends, and she has successfully helped them obtain their loans as well. It’s rare to find someone so dedicated and reliable in this field. I highly recommend Rao Shen to anyone looking for a trustworthy and capable loan officer.
Sen G.
6 months ago
This lending institution is highly professional and responsible. The entire process was smooth, efficient, and transparent, which gave me great confidence and peace of mind. The team was patient, attentive, and always willing to answer every question in detail. They truly put their clients first and provided outstanding service from start to finish. I highly recommend them to anyone looking for reliable and trustworthy financial support.
sgn C.
6 months ago
Shen Rao is my loan broker. She provided exceptionally professional service and gave patient, thorough explanations throughout the process. She helped me with translations and prepared all the necessary documents, ensuring a smooth loan process. I am very satisfied and highly recommend her.
Wenxin Y.
6 months ago
We had a non traditional difficult case that was handled by Ms.Shen and she was able to have the case approved within a very short amount of time. She is on it!
Chris D.
6 months ago
James and his team were amazing! Made the process easy! Highly recommend
Sam C.
6 months ago
Shen is the best broker I ever met. We worked for a few properties, and she made the process very smooth and quick!!
B&C
6 months ago
Shen Rao was extremely professional and made the whole mortgage process fast and smooth. I really appreciate how quickly everything was completed.
Justin H.
7 months ago
As a realtor, I’ve had the pleasure of working with Jarrod Singleton at Liberty Capital Services LLC, and I can confidently say he is one of the most reliable and detail-oriented professionals in the business. From start to finish, he keeps everything organized, communicates clearly, and makes what can often be a stressful process feel smooth and manageable. His responsiveness and ability to stay on top of every detail really set him apart. Whether it’s coordinating documents, meeting tight deadlines, or answering questions quickly, Jarrod consistently delivers with a high level of professionalism. If you’re looking for someone who genuinely cares about getting things done right and on time, I highly recommend working with Jarrod Singleton at Liberty Capital Services LLC. You’ll be in great hands.
Jenna K.
7 months ago
I cannot recommend Liberty Capital Services more!! And here's why... I learned about Jarrod through my brother who also used him, and calling Jarrod was the best thing I could have done. He helped me through the process of obtaining my first home loan, and then again out of the blue with a refinance a few years down the road when life got a little messy (as it often does!). Since then, I've referred so many friends and others to him, because he makes the process SO simple! On top of that, he's very easy to talk to and truly feels like talking to a close friend (who swears a lot and tells you like it is haha). You absolutely cannot go wrong contacting him for your loan needs!! THANK YOU ENDLESSLY, JARROD. I could not have done any of this without you!
Zaine N.
7 months ago
Jarod is super helpful if u ever have the chance to go through him i definitely recommend him.
Nick G.
7 months ago
James and Laura were awesome to work with. They made our first time buying a home a breeze and helped us feel at easy throughout the process. No question was too small. They are very friendly and I would recommend to anyone looking for competitive rates and great customer service. Thank you Liberty Capital!
Trevor R.
7 months ago
Look no further for your mortgage needs, seriously! You can do the traditional way and look for three lenders, but you'd be wasting your time. Jason Krasnow at Liberty Capital is bar none. First, he educated me on the pre-qualification process. Second, he was communicative throughout the whole process. Third, and most importantly, he made sure I was able to close on my property. Jason made the mortgage process easy and hassle free. A big plus for someone new to the home buying process. 10/10 would recommend Jason to anyone, new or seasoned, in the real estate world.
Sohail W.
7 months ago
Amazing financial services. Thought this process would be harder but James made everything go by so smoothly and easy! Best experience and will recommend to everyone !
Teresa K.
7 months ago
Our realtor recommended James and I’m so thankful. We had a unique situation. James and his team were responsive, helpful, and got us what we needed!