Liberty Reverse Mortgage Review

Rating: 7 / 10 (Very good)
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California-based Liberty Home Equity Solutions has been providing Home Equity Conversion Mortgages (HECM) all across the United States for over a decade. Unlike other providers, they are a direct lender, with an an A+ Better Business Bureau rating and membership with the National Reverse Mortgage Lenders Association. Their "Liberty Iron Clad Guarantee" commits them to closing their clients' loans within 60 days.

How is Liberty rated?


Lender Details
Consumer Experience

Overall Rating: 7 / 10 (Very good)

Liberty is a good choice for a reverse mortgage, with a variety of different options available, and an innovative price-match guarantee. However, for borrowers who like to research and compare offers online, or get an idea of available terms and conditions without the hassle of talking to a loan officer, Liberty doesn't offer much information.

Lender Details

Lender Type
2016 HECM Loan Value
Nationwide Mortgage Licensing System ID
Nationwide Mortgage Regulatory Actions

Lender Details - 6.6 / 10

Liberty is consistently one of the top reverse mortgage lenders by origination volume in the U.S. Despite this, and their iron-clad guarantee to match any competitor's price, there are not as many reviews as for comparably-sized companies. They also have 6 regulatory actions against them, more than most of the other companies on our list.

Liberty Loans

Loan Types
HECM Traditional
HECM for Purchase
HECM Refinance
Payout Options
Lump Sum Payment
Monthly Payments
Line of Credit
Maximum Loan Size
Appraisal Fee

Loans - 7.2 / 10

Liberty offers all the types of government-insured reverse mortgages that are pretty much standard within the industry. However, the company does stand out by offering the HECM Zero, which has no closing costs, prepayment penalties, draw, or utilization fees. The origination fee for traditional HECMs is 2% of the first $200,000 of the property’s value and 1% of the amount over $200,000. The fee cannot exceed $6,000.

Liberty Consumer Experience

Site Features & Mobile App
Home Equity Calculator
BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Consumer Experience - 7 / 10

Liberty provides a home equity calculator on their website, as well as a good amount of educational resources for their customers. However, in order to receive a quote or more specific information, borrowers must contact the company and speak directly to a loan officer. Though there are not a large amount of reviews online (positive or negative), customer complaints focus mainly on communication and transparency issues.

Contact & Additional Info

Homepage URL
Company Phone
(866) 751-6105
Headquarters Address
10951 White Rock Rd 200, Rancho Cordova, CA, 95670
Mailing Address
10951 White Rock Rd 200, Rancho Cordova, CA, 95670
Year Founded

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Customer Comments & Reviews

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Bonnie C
Harrington, Delaware
What does it entail. What do I have to do

Top Rated
Our Partner
10 / 10
  • Our # 1 Choice, BBB Accredited, #1 Reverse Mortgage Lender in the nation
  • Meet with a Licensed Professional to discuss your personal needs, depending on your location.
  • Customer service agents readily available 24/7 to answer your questions
  • Approved Member of US Department of Housing and Urban Development
  • 96% Customer Satisfaction Rating
  • Eligibility: Age 62+, $100K+ home value with 50%+ equity
  • Free Information Kit on Pros & Cons