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Liberty Mortgage Services, Inc. is licensed by The New Jersey Dept. of Banking and Insurance as a NJ Correspondent Residential Mortgage Lender NMLS #: 262499. We have served the community since January of 1995. Our corporate headquarters is located at 2329 Highway 34 Suite 302 Manasquan, NJ 08736-1442. Our phone numbers are 973-539-6200 or Toll Free: 1-800-562-5200. Our office hours are 9 AM - 5 PM Mon. through Friday excluding Holidays. We offer Residential and Commercial Mortgages: FHA, VA, USDA and all Government assistance programs as HARP.

We pride ourselves on recognizing the mortgage product that best fits your specific situation at the most competitive pricing available.

To qualify for a mortgage and to determine the rate and terms of the mortgage depends on several factors. The rate depends on your Credit Worthiness. A Credit Score Profile (FICO Score) is similar to an SAT score for college admission. A FICO Score can range from 300 to 850.  The Higher the FICO Score the Lower the Interest Rate and Vice Versa. We offer a variety of Mortgages to suit all Borrower Credit Types. You must have enough income to support the monthly mortgage payment, taxes, & homeowner's insurance.  It is harder to get approved for a mortgage these days. We will qualify you prior to an application being taken and let you know how much of a house you can afford.  Not all borrowers will qualify for a Mortgage Loan. Low credit score and no income or stated Mortgages are available at greatly reduced LTV amounts and higher interest rates.

FHA programs are available with 3.5% down and credit scores as low as 500. We carry the only Streamlined FHA refinance program that features: No application fee, No appraisal required, No credit score, No employment verification, No points, No mortgage payments for two months, and No out of pocket costs. Our trained and experienced team of financial professionals are able to structure your loan program to assure a successful approval of your mortgage application.

Credit problems and special circumstances causing late payments in the past are understood.

Please feel free to call or visit us if you have any questions about our firm and the services we provide. Current interest rates and terms with APR are quoted daily.

We will do everything we can to warrant your trust and confidence. Please explore our site for more information.


Vincent R. Dispoto Jr. CEO
NMLS #: 222316
Qualified Individual
NJ Correspondent Residential Mortgage Lender

Contact Info

Vincent Dispoto, Jr. NMLS #: 222316
Qualified Individual CEO

ph. 973-539-6200
ext. 1
fx. 973-984-6555
Toll Free: 800-562-5200

National Average Rates

Liberty Mortgage Services, Inc NMLS #: 262499 - 2329 Highway 34 Suite 302 , Manasquan, NJ 08736-1442
NMLS #: 262499