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Loan Options
in Ohio

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If you are looking to purchase, build or refinance a home in Ohio, there are many factors to consider when you are choosing a loan product.

The most suitable loan is one which will save you money and allow you enough time to make comfortable, affordable payments on your home for however long you will be residing in it.

At Liberty Capital Services, we can guide you to the most ideal mortgage through our VIP concierge service.

We Offer These Types of Home
Loans in Ohio

Conventional

Many homes in Ohio can be purchased without exceeding the limits set by Fannie Mae and Freddie Mac for conventional conforming loans. We offer fixed and adjustable rates.

FHA

Insured by the Federal Housing Administration, FHA mortgages in Ohio come with down payment as low as 3.5%. Credit requirements are flexible.

VA

A VA loan insured by the Department of Veterans Affairs allows eligible borrowers to purchase a home with zero down.

Jumbo

If you need to borrow more to buy a home in Ohio than Fannie Mae and Freddie Mac allow for conventional financing, a jumbo loan will allow you to move forward with your purchase.

Home Equity Loan

A home equity loan lets you leverage the equity you own in your home for affordable, low interest financing.

USDA

Many parts of Ohio are designated as rural by the US Department of Agriculture. These loans, insured by the USDA, provide affordable financing for low and middle income homebuyers to purchase homes in rural zones.

Reverse Mortgage

Senior borrowers can increase their income and remain in their homes by applying for a reverse mortgage.

ITIN Loans

Is it possible to buy a home as an undocumented immigrant in Ohio? Yes! You do not need to have a social security number to purchase a home in Columbus or anywhere else in the state.

What Our Clients Are Saying

Nate Barker
Nate Barker
18:48 05 Apr 21
Our realtor initially recommended James at Liberty Capital when we were purchasing our first home in 2016. His experience, knowledge and transparency made it obvious we were working with someone who... cared about our process. We were so impressed we not only used Liberty Capital to refinance in 2020 but again in 2021 when rates were at historic lows! James was very clear about why it would or wouldn't make sense to refinance based on our personal goals. I couldn't recommend a more quality partner with such an important financial decision.read more
tim janke
tim janke
22:18 25 Mar 21
Easy to work with, did almost everything online because of covid-19. Got a great rate and much lower fees (thousands less) than the big banks offered. Thanks James!
Drake Addis
Drake Addis
00:58 17 Mar 21
This was our first time refinancing our home and we couldn't have asked for a better experience! Ken and Jason were great at explaining everything to us and making sure we had a smooth refinancing... process with rates that worked for us. I would highly recommend them to anyone looking for a personable, trustworthy, and attentive experience!read more
Genae Jefferson
Genae Jefferson
16:22 15 Mar 21
Definitely a smooth experience. I was able to execute a 24 day close, able to sign docs efficiently, and was provided competitive terms. I would definitely recommend Liberty Capital Services to... anyone wanting professional Mortgage Loan services!!read more
man dang
man dang
19:32 09 Mar 21
Matt Kurk
Matt Kurk
17:49 25 Feb 21
We had a great experience working with James and his staff at Liberty Capital on our recent refinance. This was the second time we had worked with James. He helped us with our original mortgage... several years ago - which was also a good experience and why we reached out again when we were looking to refinance. Everyone is responsive, professional, and took the time to answer any questions we had and explained everything involved with the process. Everything worked exactly as he said it would (including overall timing and costs), and the process felt very smooth and easy. We would absolutely work with them again in the future if we ever needed to. Thanks again!read more
Wain Hussle
Wain Hussle
19:35 03 Dec 20
Self employed, First time home buyer: I personally worked with James and the team at liberty i was very inquisitive from start to finish about every detail two to four phone calls a week they had... answers for me every bit of the way my family and i have successfully purchased and are preparing to have our first Xmas at our home and I’m very thankful for the team at liberty because the extra mile was the standard and i thank them greatly .-Dwain Robinsonread more
Cody Meyer
Cody Meyer
18:31 12 Nov 20
Marcus Gorman
Marcus Gorman
16:28 09 Nov 20
James and his team were incredibly helpful with our refinance.Always available, always helpful and never put out by change requests this was truly a great experience. We look forward to completing... our kitchen remodel. Thanks again James and Liberty!!!read more
Joshua Good
Joshua Good
16:34 13 Apr 20
James was very responsive and great to work with. Highly recommended!
Ms Rayn Comedi-Ann
Ms Rayn Comedi-Ann
14:58 13 Apr 20
I was able to close on my condo thanks to Liberty Capital Services, LLC. My whole situation went from bad to messed up to totally ridiculous until Liberty stepped in and helped me close. They... looked at what my previous lender was doing and told me what they was doing wrong and how they ended up not getting me closed. James and Mica were amazing. I was super stressed about this situation and they were able to get me to closing with the same title company who had all my information. I was very pleased with the service and glad my realtor was able to save my purchase.read more
Brad Kitchen
Brad Kitchen
22:44 03 Dec 19
Liberty Loans works hard to get their clients a great loan.
Stephanie Theessen
Stephanie Theessen
22:44 03 Dec 19
Personable and efficient!
Jon P
Jon P
22:44 03 Dec 19
Great rate and service. They helped get my loan purchase thru usda on time. Thank you to the wonderful team at liberty. I would do business again with them.
David Hitch
David Hitch
13:14 14 Nov 19
James at Liberty Capital did a great job helping us secure a loan for the purchase of our first home, and was super helpful in answering all of our questions along the way!
Brett Wanner
Brett Wanner
01:10 18 Oct 19
They made it easy to buy our home, thanks James and Laura
Joshua Yakunich
Joshua Yakunich
18:29 14 Oct 19
James was a pleasure to work with. I truly felt like he was working for me, to help me through the process of buying a home. He also offered excellent tips on how to structure the loan when it came... to the down payment and buying points. I’d recommend him to anyone.read more
Ryan Love
Ryan Love
15:08 29 Aug 19
James and his team were wonderful to work with during the first home-buying experience of my wife and I!
Daniel Clark
Daniel Clark
10:31 16 Aug 19
James and his assistant Laura are amazing!!! If you are self employed James is definetly the go to man when it comes to getting a home loan. If you call and have questions he is always quick to... responde even on weekends. He walks you thru the whole process and gives you different options. When it comes to closing Laura is amazing she stays on you to make sure you have all your paper work in so that there are no delays when it comes time to close will definetly use liberty capital again when its time to buy another home!!!!!read more
Bobbi Jo Cea
Bobbi Jo Cea
13:56 15 Aug 19
it's been a few years since I bought real Estate. I can tell though James and his team at Liberty Capital were amazing during the process. They were able to find the product to get my deal done, a... rehab loan is a little different. Their team made my dream home a reality!read more
Jeff Musi
Jeff Musi
16:07 14 Aug 19
Used Liberty Capital for a refinance and was pleased with the ease of getting it done. Everything went smoothly and their automated system was very efficient for information transfer. James and his... team did an outstanding job! If you are getting a loan or refinance, I strongly suggest that you contact this team.read more
Jared Kenyon
Jared Kenyon
15:21 14 Aug 19
James is the ultimate professional and was able to make a very stressful process very smooth. He has a unique ability to look at all scenarios in a unique way so that you get the best deal possible.... I would definitely recommend James McBain to any friends or family who are looking to purchase or refinance a home.read more
Kalyna Nguyen
Kalyna Nguyen
14:45 14 Aug 19
Jame McBain he is the best ! He guides you how to prepare for apply morgate loan from start till the end , he helps with any hard cases even you tried all others banks before you got denied, I sure... come to him you will get approve . Thanks for the help of Jame and his crews , I got approved for beautiful home in Westerville , Jame 🙏read more
Worthington Automotive
Worthington Automotive
21:09 17 Jul 19
After going thru the ringer and being upset with Chase Bank, I used google to find a local refinance company. I worked with Darren and couldn't be happier with the rate and speed of this loan. ... Thanks!read more
Brian Ramey
Brian Ramey
00:36 21 Jun 19
This is the second time we have worked with James getting financing for a home purchase. He has been amazing to work with both times. He is extremely knowledgeable, responds quickly and just someone... you know you can trust- which is extremely important when making such a large purchase. I would recommend James to anyone!read more
Jacey Gelacek
Jacey Gelacek
18:19 17 Jun 19
James and his team made the loan process worry-free and fast. His team was able to close quickly and on-time, which other providers weren’t as confident the could do. The online loan process was... painless and I’d absolutely work with this group again!read more
Crystal Quach
Crystal Quach
14:25 11 Jun 19
Love Liberty Capital Team, very helpful , love James and Laura very quick service anything that you need , just call , text, email, they respond right away ! Highly recommend it!
joe s
joe s
16:33 29 May 19
Ken, James and the whole team at liberty loans are the only people I would ever recommend for a home loan or refi! To put it simply, they just know how to get the deal closed!
Stefanie Villasante
Stefanie Villasante
14:30 29 May 19
Liberty Capitol was great to work with. Ken, James, and ESPECIALLY Laura all made the closing process so smooth and easy. If I needed anything they were an email, phone call, or text away. They kept... costs low for me, and saved me money on my closing. If I ever buy another house, I wouldn't hesitate to use them again. Great team, nice people!read more
Heavenly Bakes
Heavenly Bakes
13:39 22 May 19
My husband and I just closed on our first home yesterday and we couldn't have done it without James and his amazing team at Liberty Capital Services! James actively worked with us throughout the... entire process; helped us to improve our credit, didn't pressure us or make us fear for this huge purchase, and made the entire process enjoyable and stress free! He and his team are amazing and truly care about their clients. Thank you Liberty Capital!read more
Ian Mcmahan
Ian Mcmahan
11:17 22 May 19
If you are thinking of buying or refinancing your new home, well look no further! James from Liberty Capital made our first home buying process effortless and stress free. He and his team were... absolutely amazing and we were lucky enough to have worked with them!read more
R S
R S
13:34 12 May 19
l Rosado
l Rosado
14:39 07 May 19
Outstanding service!!
Alexandra Tran
Alexandra Tran
20:00 22 Apr 19
I had a great experience with Liberty Capital. They made the process extremely easy and I was able to close sooner than expected. They really made the process seamless and I recommend them to anyone... looking to buy a home!read more
Robert Moore
Robert Moore
19:42 22 Apr 19
I strongly recommend Liberty Capital. They were straightforward and were extremely FAST and HELPFUL with the entire process. I highly recommend Liberty Capital they were consummate professionals... during the mortgage process.read more
Todd kuhl
Todd kuhl
15:16 11 Apr 19
Ken did an awesome job for me...
Kyle Hocking
Kyle Hocking
19:32 25 Feb 19
James has helped me with my first home purchase and he made the process very easy! He just helped us successfully purchase our second home and I would recommend him to anyone.
Juan Fernandez
Juan Fernandez
09:26 15 Aug 18
James was very diligent in getting our VA home loan approved as fast as it could. The reality is that from the offer being accepted to closing it was 37 days which IS AMAZING for a VA home loan which... typically can take up to 60-90 plus days. James and his team were stellar in providing all the documents in a timely manner to help us expedite the process. He was diligent and very professional and ensured I understood everything through the entire process. Thankful for your help and services! We love and are enjoying our home. That you James.Delighted!!!Dr. Juan F.read more
Collin Miller
Collin Miller
14:58 30 Jul 18
Buying a home is a complicated process that requires a great deal of coordination. James made the process as easy and straightforward as possible. His recommendations on how to handle everything put... us in the best place possible to put forward the most attractive offer for the least amount of money. He’s great to talk with, answers call/emails on weekends and nights, and explains everything in a way anyone could understand. If you’re looking to secure a home loan, give James a call!read more
Trung Nguyen
Trung Nguyen
04:30 02 May 18
James was very helpful in getting me to the right loan. which is suitable with our conditions. I am highly recommend to him and his teams. they are work fast and efficiency .
Yvonne Woodson
Yvonne Woodson
16:18 18 Apr 18
James was very helpful in getting me my loan and dealing with the seller in a situation that was difficult. I am grateful to him and recommend his services
Deb Goldach
Deb Goldach
18:43 12 Sep 17
James has worked with a number of my clients over the past several years. I cannot say enough about his attention to detail, extreme professionalism & endless knowledge of the lending industry.... Liberty Capital Services and James have been invaluable for so many clients with regard to the multitude of options available for various types of loans that he is able to tailor to meet each and every clients need. From Contract through Closing, James helps my job as an agent allow me to do what I do best while knowing my clients are in excellent hands on the lending side. James has been and continues to be a true pleasure to work with!read more
Retro Elephant productions
Retro Elephant productions
19:57 07 Jun 17
James is extremely diligent, hard working and creative. My experience is that he is able to structure loans that are tailor made for his clients. I am not aware of anyone who can structure and... execute as efficiently and confidently as James.read more
Nick Pavich
Nick Pavich
19:05 05 May 17
Liberty Capital and especially James McBain are wonderful to work with. We have refinanced several properties with them and it always goes off without a hitch.
Scott Walker
Scott Walker
17:41 25 Apr 17
I'm a realtor and one of my clients got cleared to close in 9 business days with Liberty! James and his team are very efficient and knowledgeable! Highly recommended.
Kyle Edwards
Kyle Edwards
00:30 25 Apr 17
As a Realtor, it's imperative to have a trustworthy lender that can treat your clients with respect, be knowledgable, and show up to closing on time with the money to close. James and his team at... Liberty Mortgage exemplifies all of these things and more. I recommend with 100% confidence James McBain for all of your lending needs.read more
Aaron Marshall
Aaron Marshall
13:08 20 Apr 17
Can't say enough good things about working with James and his team. They did a great job for my family and I highly recc. them to all my friends. It's hard to know who to trust in this business but I... have no reservations in saying these guys will do a fine job for you.read more
Andy Robinett
Andy Robinett
22:24 19 Apr 17
Normally I don't do reviews but I had such a positive experience with James Mcbain and Liberty Loans that I had to write one up. I've had some bad experience in the past with banks and I dreaded... thinking about the process but Liberty Loans made this one the easiest and smoothest I've ever dealt with! Anyone looking should reach out. He gave me a ton of options and I only had to put 2.5 percent down. Highly recommended!!! Thanks to all who were involved!!! I'll be back again!read more
Michael O'Driscoll
Michael O'Driscoll
13:22 11 Apr 17
James at Liberty Capital was awesome to work with during our refinance. He was very helpful in this process. I would recommend James when purchasing a home , or refinancing your current.
Tara Ellenberg
Tara Ellenberg
17:03 10 Mar 17
James McBain from Liberty Loans was exceptional to work with. He found us the best loan and rates possible and diligently worked in our favor. It's been several months since we purchased our home... and I needed some paperwork for our tax preparation. I called James and he took the time right then and there to help me. If you're in need of a home loan, James is your guy!read more
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Let Us Help You Choose the Right Loan

If you have questions about these different types of loans, or do not know what type of loan will be most suitable for you, Liberty Capital Services is here to help. During your consultation, we can find out what you qualify for and match you with an ideal loan. To get started, please call (614) 505-0620. We look forward to helping you.

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