Mortgage Rates Reach 3-Year Low in January

January 27, 2026 by Liberty Capital Services

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 […]

Take Advantage of Decreasing Mortgage Rates

November 4, 2025 by Liberty Capital Services

In January, the average 30-year fixed mortgage rate reached 7.26%, which was the peak for the year. Since then, mortgage rates have been dropping. By August 31st, the average was down to 6.52%. By September 17th, it had reached 6.24%. This is a moment of opportunity for Ohio homebuyers and […]

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.

William S.

Great experience.

Joshua N.

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.

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.

Shirley Z.

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.

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.

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.

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.

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.

James and his team were amazing! Made the process easy! Highly recommend

Sam C.

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

Shen Rao was extremely professional and made the whole mortgage process fast and smooth. I really appreciate how quickly everything was completed.

Justin H.

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.

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.

Jarod is super helpful if u ever have the chance to go through him i definitely recommend him.

Nick G.

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.

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.

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.

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!

Praveen K.

Jason and Laura are absolutely amazing. We have already closed several deals with them. Cannot recommend them highly enough.

Kellie M.

Jason and his team are absolutely fabulous to work with!!! This is our second home loan (2 different houses) with him and we will keep doing business with them! Jason explains everything, always available for questions, and a super smooth process!! You can’t go wrong with this team!!! We have also done a refinance with Jason as well! Top notch!

Bobby B.

Jason and Laura are excellent to work with. Extremely fast, diligent, transparent, honest and very communicative. I couldn’t imagine receiving a better experience anywhere else. They also work with great partners at title and their partnerships with lenders are clearly just as exemplary.

Alison N.

James McBain was wonderful with purchasing my first home and all of the steps in between. Couldn’t recommend him more!

Matthew J.

I had the pleasure of working with James and his team as a first time home buyer. He talked me through every step of the process from start to finish and was always willing to hop on a call and answer my many many questions. Incredibly excellent service which was only second to the interest rate that they were able to provide to me. I cannot recommend James enough.

Tania Glez R.

Gracias a Maria y Griselda por su ayuda en este proceso hicieron que todo fuera rápido y entendible