Liberty Bank & Trust Co

Thinking about buying your dream home? With Liberty Bank’s mortgage loans, there’s no better time to turn those dreams into reality. Whether you’re a first-time buyer or upgrading, our personalized mortgage options are designed to fit your needs, with competitive rates and flexible terms. Let us help you take that next step toward homeownership! 🔑 Easy application process 📉 Competitive interest rates 💼 Expert guidance every step of the way Start today: mortgages.libertybank.net #LibertyBank #HomeOwnership #MortgageMadeEasy #DreamHome

The NAR Settlement: What Homebuyers Need to Know 🏡 A recent settlement between the National Association of Realtors and the Department of Justice brings changes that homebuyers need to understand. Here’s what’s new: 1️⃣ No more buyer agent commissions on MLS: Buyers will now need to discuss compensation with their agent. 2️⃣ Required buyer representation agreements: Buyers must sign agreements outlining agent fees before touring homes. 3️⃣ Commissions are still negotiable: Transparency is key—be sure to discuss and negotiate terms. Read more: https://lnkd.in/gPK_pKnW Liberty Bank is here to guide you through these changes and make home buying easier! #HomeBuyingTips #LibertyBank #RealEstateChanges #MortgageAdvice #NAR

Did you know that women often pay more for everyday products like razors and shampoo just because they’re marketed to them? This price difference is known as the pink tax, and it can add up over time, impacting long-term financial health. Here’s how you can fight back: 1️⃣ Shop smart: Compare prices and consider buying men's or gender-neutral products. 2️⃣ Look for deals: Use coupons and shop during sales. 3️⃣ Support fair brands: Choose companies that offer equitable pricing for all. At Liberty Bank, we believe in empowering women with the financial tools and knowledge they need to make informed decisions. 💪💖 #PinkTax #FinancialTips #LibertyBank #MoneyMatters

Qualifying for a Mortgage? Here's What Lenders Look For 🏡 Before applying for a mortgage, it’s essential to understand the criteria lenders use to determine if you qualify. At Liberty Bank, we’re here to help guide you through the process! What Lenders Consider: 🗒️Debt-to-Income Ratios: This is the percentage of your income that goes toward debt payments, including the mortgage. For a healthy ratio, aim to keep your housing costs at 28% or less of your gross income. 💳Credit Score: Most loans require a score of 620 or higher. 💸Down Payment: Some programs offer options starting at 3% down! Ready to get started? Apply now: mortgages.libertybank.net #MortgageTips #LibertyBank #HomeOwnership

Liberty Bank Walks for Education! 👟✨ This past Saturday, the Liberty Bank team proudly participated in the UNCF Walk for Education in New Orleans! Together, we walked to support education and create opportunities for students to achieve their dreams. 🏫💛 It was a beautiful day filled with unity, purpose, and commitment to making a difference in our community. Thank you to everyone who joined us in taking steps toward a brighter future! #UNCFWalk #LibertyBank #CommunityFirst #EducationMatters #NewOrleansEvents #WalkForACause

Your Dream Home is Calling! Are you ready to make homeownership a reality? Whether it’s your first home or an upgrade, Liberty Bank is here with custom mortgage solutions designed to fit your needs. From FHA and VA loans to conventional options, we’ll guide you every step of the way. 🏡✨ ✅ Simple mobile application process ✅ Financial education to support you ✅ Fast, dedicated service from a team you can trust Your dream home is just an application away! Apply today: mortgages.libertybank.net #LibertyBank #HomeOwnership #MortgageSolutions #DreamHome

💡 2024 is all about financial wellness! With more people focused on saving, managing debt, and building wealth, now’s the perfect time to assess your financial health. Whether you’re saving for a big goal or looking to boost your credit score, Liberty Bank has the tools to support your journey. 🌱 We’re here to help you take control of your finances—step by step. Let’s build a brighter future, together. 💚 #FinancialWellness #2024Goals #LibertyBank #GrowYourWealth #FinancialFreedom

🎁 The holiday season is right around the corner—are you ready? It’s easy to overspend, but with a little planning, you can enjoy the season and stay on budget. Set a spending limit, track your expenses, and save in advance to avoid the holiday stress. Need help managing your holiday spending? Liberty Bank’s financial tools, like automatic savings and budgeting features, can help you stay on track. Let’s keep your finances merry and bright! 🎄💚 #HolidayBudgeting #SmartSpending #LibertyBank #FinancialWellness #StayOnBudget

Why Refinance with Liberty Bank? 🔄🏠 Did you know refinancing your mortgage could save you thousands over time? Whether you’re looking to lower your monthly payments or tap into your home’s equity, Liberty Bank’s Refinance Options are here to help you take control of your mortgage. 📉 Cash-out, rate, and term refinance available 🏦 Fast, easy application process Take the first step toward saving today: mortgages.libertybank.net #Refinance #HomeEquity #FinancialFreedom #LibertyBank Source: Freddie Mac, 2023

⏰ Today’s the LAST DAY to register to vote online! Your vote is your power, and there’s still time to make sure your voice is heard this Election Day. Don’t wait—register online before midnight and secure your spot at the polls! Visit [CanIVote.org] to check your registration status or complete your online registration. Together, we can create the change our communities deserve. The clock is ticking—act now! 🙌🏽 #LastChanceToRegister #LibertyVotes #YourVoiceMatters #EmpowerPossibility #MakeADifference