By far the best mortgage/re-fi/home equity loan firm around! We have worked with Liberty Financial repeatedly and have always received the best rates along with the best service. Kathy and the team are wonderful with procuring the best products for our needs and their follow-through is second to none. All members of the team work together seamlessly to make the process as easy as possible. We have recommended them to friends and family and have always received positive feedback. If you are considering a mortgage, re-fi, or other home loan, definitely check them out. You won't be disappointed. read more

We recently purchased our first home, and we couldn't have done it without Chelsea at Liberty Financial! She was absolutely amazing from start to finish--professional, responsive, and incredibly knowledgeable. We had a very short escrow period of 14 days and Chelsea made what could have been a stressful process so much easier by answering all our questions, explaining every step in detail, and helping us choose the financing that made most sense for us! Her dedication, transparency, and attention to detail gave us complete confidence throughout the mortgage process. If you're looking for a lender who truly cares and will go the extra mile, Chelsea is the one to trust! Highly recommend her and Liberty Financial for any and all transactions! read more

I love this team! They are so knowledgable of the business and explain everything so well. They are so quick in getting everything you need. This was my second time working with them for a mortgage and both times they have been so amazing! read more

The entire team at Liberty Financial are a dream team. I'm a first time home buyer and from the beginning of the process they guided me the whole way. They were honest and transparent. They helped me get the best financing options which worked with my financial needs. While dealing with some hiccups with the seller, the Liberty Financial team made sure the opposing party got their stuff done and guided me through the entire closing process. Definitely want to give recognition to Chelsea, Mel, and Carrie. Because of their guidance and patience, I was able to purchase my new home. Thank you Liberty Financial team. We will do business again in the near future. read more

Sharp as a tack, creative, knowledgeable, a numbers whiz, honest. These are a few words that describe Kathy. Not only is she all those things, she is a true refi partner for life! She has helped us for over 10 years with our own residence and our income property with refinances. She goes over and above to get you the BEST deal and always has great ideas, bringing up things and options you never thought about. She is also honest to tell us if it is not a good time to refi. Kathy always has our best interests at heart and is easy to reach. Another great thing about working with Liberty is that they really make the whole process easy, that's very important for us! We have referred Kathy at Liberty Financial to many of our friends and everyone has been very happy. read more

Working with Kathy Brown and her team at Liberty Financial to get our first mortgage was an excellent experience. Because I started a new business the previous year, there were a lot more hoops to jump through to prove my income and solvency, but Kathy never made the process seem any more daunting or concerning along the way. They got us a great rate and moved incredibly quickly when we found the property we ended up buying. It helped us get in an offer extremely quickly which helped us beat out the competition, and then we closed just as fast. My wife and I would highly recommend Kathy to any of our friends or family! read more

Kathy and her team made the hectic process of getting a loan so much easier. They were always available to answer any question or concerns and made sure we were able to get the best rate possible in this crazy market. read more

The entire team at Liberty Financial is amazing to work with, and can pull everything together in a short amount of time to ensure your home purchase goes through! They have been my family's go to for several purchases and refinances and will continue to be for many years to come. Look no further than Liberty Financial! read more

Liberty Financial was great to work with throughout the entire home buying process. Kathy Brown and her team were fast and reliable every time we needed something from them. Everyone was consistently knowledgeable, friendly, and professional. This was my first home purchase, but my family has relied on Kathy's team for years and I will be recommending her services to any of my peers looking to purchase their first home. read more

Bought a home and have refinanced with her. Quick and smooth process. She is highly knowledgeable and always available when you have questions. read more

Kathy and Chelsea were amazing! So on top of everything, informative and helped guide my clients the whole way through. Not only were they diligent and efficient, but so pleasant to work with also. Highly recommend to anyone buying a home or refinancing! read more

We recently purchased our first home and couldn't have been more pleased with Chelsea, Kathy, and the entire Liberty Financial team! Our loan was actually the easiest part of the entire process, hands down. We even closed escrow in just three weeks, and with a great rate! I had several questions come up during processing and Chelsea was quick to respond, organized, and extremely knowledgeable. Our realtor was also extremely impressed with the service and they worked together so well! I couldn't recommend this team more, thank you for making our first mortgage experience so easy! read more

Kathy and her Team knock it out every time My Family has been using Liberty for the past 20 years They are amazing! No question goes unanswered they just get it done time and time again..... Save yourself a headache call Liberty.... read more

Kathy Brown and everyone at Liberty Financial were all top notch! They were extremely knowledgeable, very kind, helpful, and made everything go smoothly and quickly. It couldn't have gone any better! Kathy Brown is very professional but also very personable at the same time. read more

Kathy and her team were helpful to me the entire time during my first home buying experience. They went above and beyond each encounter I had. Every time you call their office you get the sense that they are all on the same page and truly work as a team to help their clients. They took every chance they could to teach me more and went the extra step by sending me articles to make me more informed. A special thanks to Kathy for always being so kind each time we spoke and even making me laugh because we all need more of that especially during challenging times! read more

My husband and I have lived in our house for almost four years. Recently we decided to refinance our house. Liberty Financial made the process seamless and effortless. Kathy took the time to explain the process to us and promptly answered any questions we had. Overall Liberty Financial is highly recommended, we will be using them for our next property! read more

Friendly,attentive, competent, fast and thorough staff. Very personal service. Very happy with all the help we got on our refinance and new home mortgage. read more

Working with Kathy and her team as first time home buyers was a delight! We were definitely confused at times through the process and Kathy was always quick to reassure us and answer all of our questions. We had initially started with a different lending company that was not responsive and we didn't feel valued as customers, but that completely changed when we switched to Kathy. My wife and I couldn't have asked for a better lender for our first home! read more

I have utilized LIberty Financial's services three times over the past 18 years, most recently last week. I cannot say enough good things about Kathy Brown and her team. They are true professionals and make the entire lending process very smooth and easy. Liberty Financial has the experience necessary to anticipate and handle any issues that may arise with a lender. I would never consider using another mortgage broker as Kathy and her associates are simply the best. read more

Kathy Brown and her Team of Experts were extremely professional in servicing my recent mortgage needs. Whenever someone needs the service of a fellow professional it is simply because we can not execute said services ourselves. And when a professional like Kathy brings her real-world knowledge and insight to the table, amazing things can happen. She is patient, knowledgeable and directed me to an imaginable result. Her unique understanding of my specific needs made a difference no other could. Thank You Kathy, and to your Team. Wayne R. read more

About 12 years ago they helped with my first home and were so very helpful in getting paperwork, etc for it which can be cumbersome....at least for me! Now they've helped me refi my home and again so very helpful!! The staff works together amazingly as a team and great communicators! Who could ask for more when you're going through all this. They are my people for life! I will always consult with them in the future!! read more

Kathy Brown and her team did an excellent job in helping me get approved to Refinance. They worked so quickly and efficiently and we were able to close in just 30 days. Thank you for your help! read more

I should have written a review back in 2016, but now I will have not just 1, but 2 AMAZING and positive experiences with this company! A few years back my husband and I needed to refinance our home to make some major upgrades to our home. We had been starving students in our past and life long renters. Being a homeowner was no joke on the finance end of things. Being an adult is tough. Carrie took over our needs and made this entire confusing process the easiest experience! She did all the work to help us consolidate past student loan debt, car loans etc. She guided us throughout the entire process, explained everything and went above and beyond to take the best care of us and put us in a healthy financial situation! We were also financially able to begin our long haul of construction corrections to our home. Since our first go round with liberty financial, I had kept in touch with Carrie regarding future plans for our home mortgage. She was always there to take my call immediately and guide us to the next step. Here we are two years later, now with a baby added to our mix, and she has come to rescue again to help us make the best decisions for a few more upgrades to our family's first home! Every member of this fantastic team has proven to me that taking care of their clients is what they strive for. Very dedicated team of amazing women! They will forever be our go to group for all and any future home loan needs! Without their help, we wouldn't be able to have escaped the never ending financial burden of being lifelong renters and own our first home within our financial means. I highly recommend Carrie at Liberty Financial! read more

I have worked with Carrie and the Liberty Financial team several times now over the past 11 years. We have had nothing but excellent service each and every time. Carrie was very helpful throughout the entire process and was always available to answer any questions that we had. The entire team was great at getting everything completed in a timely manner... even when there were some pretty big obstacles in the way. I can't thank Carrie and Kathy enough for always going above and beyond to help us, and I would highly recommend Liberty Financial to anyone looking to purchase a new home or refinance. Thanks again for everything!!! read more

We just closed escrow on our new condo, and we had a wonderful experience with Liberty Financial. Carrie was super helpful and on top of things, even though we had major snafus with our developer, since it was a new construction. She kept us in the loop and explained things thoroughly. It made the whole process go a lot smoother than it could have. Highly recommend this company for your lending needs!! read more

I have worked with Kathy Brown and her team to get loans for the purchase of three homes, and they always make the process so easy! Everyone is friendly, knowledgeable, quick to respond to calls and emails, and are incredibly helpful during the entire process. They offer great advice and really care about you and have your best interests in mind at all times. I have worked with Kathy for both conventional and VA loans, and she has made sure to walk me through the steps for both. Her office staff, particularly Carrie, are great to work with as well. When I moved to Northern California, I was worried I'd have to find someone else to work with. However, Kathy has been great and has taken care of two loans from across the state! I will definitely continue to work with Kathy for any future needs. read more

I highly recommend working with Kathy and Carrie! Great people. They helped us purchase our first home and close in 22 days!

Over the years I have had occasion to take out several home loans and I have never had such a fantastic experience as I did working with Kathy Brown at Liberty. Amazingly helpful, incredibly honest and extremely efficient. I highly recommend this organization to anyone. read more

Kathy did a fantastic job assisting me with my first home purchase. I had particularly complicated issues with student loan debt and her and her extremely professional team figured out how to handle it all quickly and efficiently. I highly recommend her office. read more

Liberty rocks! This is the 3rd or 4th mortgage we've gotten thru Liberty Financial & we absolutely love them. They were able to handle a sale & purchase on back-to-back days, making accommodations for the escrow companies to keep our purchase on track. Then, when our servicing company changed hands twice in a week (!), they were there to make sure a) it wasn't some sort of scam and b) we were making our mortgage payment to the correct company. We were stressed, but Kathy & company straightened it all out. Thanks again for all you do, Liberty Financial. read more

I have nothing but amazing things to say about Kathy and her team. They were able to help me close escrow in a very timely manner. They always kept me up-to-date and were so friendly during the entire process. Kathy is extremely knowledgable, detail oriented and communicative. She is someone who I would gladly work with over and over again. As a first time homebuyer, I was extremely nervous about the process. Kathy put me at ease and made me feel much more comfortable, allowing me to focus more on the move itself. Thank you, Kathy, and your team at Liberty Financial! It was such a pleasure working with you all. read more

I have worked with Kathy Brown since 1998. Kathy is the most knowledgeable and helpful person I have ever worked with in any business. Kathy has helped us with the purchase of our home in Laguna Beach, and as well as the purchase of a condo in Laguna Beach. She has also assisted us with refinancing, and equity loans. Kathy is not just a loan specialist she is sincerely the person you can count on when you need help getting through the whole loan process. I consider Kathy to be a truly sincere and caring person that I would recommend to anyone looking for a loan. Kathy is the best! read more

I have been working with Kathy and the Liberty team for years. They are as professional and knowledgeable as they come and have always met my needs. I have referred them to family and friends for years and will not hesitate to in the future. read more