Home Refinance
Loans in Ohio

Free Home Refinance Analysis

As a homeowner, chances are good that you follow along with mortgage rates closely. If rates have declined, but you continue to pay the same high interest on your home loan, a refinance might be in order.

Benefits of a Home Refinance in Ohio

Refinancing your loan allows you to obtain a more competitive interest rate than the one you are paying today.

You can change the format of your interest rate through a refinance (switching from fixed to adjustable or vice versa).

If you would like to extend or reduce your loan term, a refinance makes this a possibility as well.

Are there other terms of your mortgage which you currently are not satisfied with? Renegotiate them through a refinance based on your current borrower profile.

Is It Time to Refinance in Ohio?

Here are some of the top reasons why customers refinance in Columbus and throughout the state of Ohio:

Whether your mortgage rate is fixed or adjustable, if interest rates have dropped below what you are paying at present, a refinance could help you reduce your monthly payments.

When you signed on your mortgage, you chose the type of mortgage rate (fixed or adjustable) which best fit your needs at that time of your life. But needs evolve, and perhaps now a different format would suit you better.

If you have had a chance to increase your credit score and decrease your DTI, a refinance may qualify you for a mortgage which is more flexible and accommodating.

Changes in income also may necessitate a refinance in order to keep your home loan as affordable as possible.

If your monthly budget has become strained, a refinance to increase the term of your mortgage may help.

If you want to pay off your home loan early, a refinance to a shorter term can help you circumvent a pre-payment penalty.

What Our Clients Are Saying

Suzanna Lynch
Suzanna Lynch
21:54 09 May 22
Ken and James and their staff provide personalized service to my clients and go above and beyond what the typical bank offers to find the best possible loan for each of their customers. Rates and fees are very competitive and shared immediately with customers at the beginning of the process. I highly recommend Liberty Capital to anyone who needs financing for a home purchase.
Thanh Nguyen
Thanh Nguyen
12:25 08 Apr 22
I would like to thank you James McBain as my loan officer and Laura Mathews as my loan professor. They’re very professional. Highly recommended
Michael Spero
Michael Spero
00:40 07 Apr 22
James suggested a great realtor who was able to work with our VA home loan and get us into our first house with a great rate. His team was always available and responsive with answering all of our questions. Would definitely recommend! Thanks James!
Danny Sheftman
Danny Sheftman
02:13 09 Feb 22
The team at Liberty Capital worked me a loan at a great rate, and with very favorable closing costs. They made sure we close on time and were on top of all issues. I highly recommend working with James McBain and his team.
LeAnne Mertens
LeAnne Mertens
22:20 01 Nov 21
James McBain and his team at Liberty were a great joy to work with. They made the loan process of buying a home seemless. I have bought several homes and done several refinances with James and his team and have always had a good result. They are an integral part of my real estate investing team and I am happy to recommend them for any mortgage or refinances you would need.
E W
E W
19:14 19 Oct 21
James is very knowledgeable and stays on his A game. The Liberty team answered all my questions and concerns promptly. Everything went as planned and on schedule. I appreciate all their help and support in this life changing event. I absolutely love my new home!!! Thank you James!!!
Sandra Tapia
Sandra Tapia
17:20 15 Oct 21
Jason Davis
Jason Davis
21:41 31 Aug 21
Matthew Smith
Matthew Smith
14:10 27 Jul 21
James and the Liberty Capital team were excellent. James has a deep knowledge of the various loan products and helped us choose the best option for us. He is also very honest and transparent.
Shannon Stallkamp
Shannon Stallkamp
14:47 29 Jun 21
My husband & I recently purchased our new home using Liberty Capital Services LLC and wow were we impressed with James and his responsiveness as well as his knowledge to help us find the right loan for us and our situation. Would Highly Recommend James!
Kyle Sattler
Kyle Sattler
13:41 06 May 21
James and the team at Liberty Capital helped us every step of the way with our purchase. They were extremely responsive for questions and connected to the transaction at all times. Thanks Liberty Capital team!
George Plotner
George Plotner
13:04 29 Apr 21
Liberty Capital Services recently handled my mortgage refi. This is my third time engaging Liberty to handle refi's going back to 2010 or so. They are outstanding in every way. My principle contact is James McBain, a consummate pro who has always made me feel like a business partner as well as customer. Liberty's process is efficient and easy. They are very responsive and have always done a great job keeping me up to date through the process. It is my my pleasure to highly recommend James McBain and Liberty Capital Services. They are "an 11" on a 10 point scale. Would use them again in a heart beat.
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.
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!
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!!
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!
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 Robinson
Cody Meyer
Cody Meyer
18:31 12 Nov 20
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.
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.
Stephanie Theessen
Stephanie Theessen
22:44 03 Dec 19
Personable and efficient!
Brad Kitchen
Brad Kitchen
22:44 03 Dec 19
Liberty Loans works hard to get their clients a great loan.
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.
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!!!!!
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Apply Now for an Ohio Home Refinance

How much money could you save with a refinance on your mortgage? During your consultation, we can help you find out. If you are ready to save money while making your mortgage more ideal for your needs, please give us a call today at (614) 505-0620 to schedule your consultation for your home refinance in Columbus or elsewhere in Ohio.

Free Home Refinance Analysis