We work very hard for our customers because nothing pleases us more than helping our clients achieve the dream of affordable home ownership. We want to add you to our list of very satisfied customers.

Read what others have said about working with us:

Please allow me to express my sincere gratitude in regard to your professionalism, collaborative effort and dedication with assisting me in my endeavours toward getting the loan. Yes, I know you were just doing your job. But when you make me feel like I was your sole client, that is doing one hell of a job. Thank you Frances, James, John et al.

I will mention your name in conversations.

Dr James

The service and personal attention I received from Bryan Lima was exceptional and beyond what I was expecting! His knowledge and commitment in finding me the best rate helped make the process very easy. As first time home buyer everything was new and the most important thing to me was having someone I could trust. Bryan was there for me every step of the way. I'm glad I chose his services and would recommend Bryan to anyone buying a home.

Melissa Frignoca

Hassle-free refinance experience!

It was a pleasure working with Bryan Lima to refinance our mortgage with cash out. He was prompt, professional, and courteous. The challenge was to refinance as "self-employed" and Bryan helped us not only with the process but also close earlier than planned. He worked very closely with the lender which resulted in the reduction of discount points and also, received the lender credit. We highly recommend Bryan for any mortgage services. Thank you again!


James Willard, and “Team James” is by far the most honest, reputable, honest, hardworking brokerage team I have ever had the pleasure of interacting with. I am a retired military officer who has been doing 1099 work for the past several years on a part time basis. James’ Team resourcefully used my varied income sources and solidified an outstanding loan option in very short order. Every single person within his crew was a pleasure to interact with and did their individual parts with enthusiasm, diligence, and dogged determination in order to make to make the deadlines required by a short sale. Most of all, in a competitive buyers’ market, Team James expertly navigated a rigorous seller criterion and helped to win a multiple offer sale.
I can not say enough about this Brokerage Team. I don’t just highly recommend, I insist that for the best, no fluff, honest mortgage experience, friends and family call them for any of their mortgage needs! (Closing 1/15/21) ~RCL

Rob Leines

Bryan was the prime example of professionalism throughout our entire process. His communication was A+ and he always kept me in the loop as to the next step in the process. He also thought creatively when issues arose, which is vital because something always pops up. I will definitely be working with Bryan again.

Evan Michael Yates

I used Bryan Lima with Liberty Home Mortgage to do my refinance and I am happy with my experience. He was the only person that even returned my call to start the refi process after making several calls to other brokers and not getting return calls. His great follow up continued throughout the entire process! 

Karyn Slovin

Thank you Bryan for your exceptional customer service! As a Realtor I know how stressful and complicated the mortgage process can be. You not only made our Refi easy, you made it a pleasure! Your knowledge, communication skills and positive attitude were greatly appreciated! You will definitely be handling all my future mortgage needs. Thanks again!

Liz Kerby

I made contact with David a few years before purchasing my house. David was smart enough to call or reach out every so often to see if I was ready to buy. Normally, that might upset some people, but David did it gently and wisely. When it was time to buy, I worked with David on my first loan. I would recommend anyone to use David for his services as he is very knowledgeable and trustworthy.

Andrew P Haskell

I've worked with David several times now with the purchase of two homes and the refinance of one. He has been absolutely terrific to work with -- extremely knowledgeable, available, looks for the best deal, and has a sense of humor as well--always a good thing when going through the stress of a mortgage application process! I cannot recommend him highly enough.

Stacia Pelletier

David was extremely helpful from the beginning of the process to the very end. He made sure I was informed every step along the way, and helped answer any questions I had about required documentation, etc. The closing was smooth, and had no surprises! All in all, a great experience!

David A Summers

Our real estate attorney recommended David to us years ago, and we have never looked back. We have used David now for three of our mortgage transactions, and we will continue to do so. He is prompt, responsive, knowledgeable, and attentive to client questions and needs. Mortgage transactions are some of the biggest ones people make in their lives, and having a smart, timely, trustworthy advisor is invaluable. We recommend David to all of our friends and everyone has been very pleased with his work. He is a true find in the industry!

Cindy Long

David did a great job in shepherding my three refinances this year.  He is very organized and made the entire experience seamless.  


I was given David's contact information from a friend who recommended I use him for the refinance of my home. David stayed in close contact with me through the entire process. David was very patient with me as I haven't really used a computer since I retired in 2016. He made the entire process easy for me. My sincerest thank you to David.

Carol Lunsford

I am completely satisfied with David's services. When I was refinancing, David presented me with several options, including some good ones that had not occurred to me. Throughout the process, David was ready to answer questions and he took the time to explain the sometimes confusing details of a mortgage. With his help, I was able to find the best financing option for my specific situation. I would recommend David to anyone in a heartbeat, and I will absolutely contact him again should I need help with a mortgage in the future.

Terrence Wierman

My wife and I had an excellent home buying experience. We have also refinanced twice under James' expert guidance. Things couldn't have gone smoother! Thank you, James Willard.

Samuel Nemec

Thank you James!!! The epitome of PROFESSIONALISM.  Outstanding customer service; you should teach a class!  Knowledgeable, timely and proficient in all aspects of the home mortgage MAZE.  Thank you for making a stressful transaction, a calm transaction from start to finish.  I’ll recommend you anytime!!!

Chris Rivers

James Willard is the best mortgage broker that I have ever known. I am 76 years old and have owned several homes. James helped me purchase a home when I retired eight years ago and moved back to Atlanta. He helped me refinance the home in 2016 and again this month in 2020. I took out cash and he still got me an unbelievable mortgage rate and saved me a great deal of money. The closing costs are low because James is committed to his clients and to honesty, integrity and repeat business. James is trustworthy and honest and works hard for his clients. He is dependable, committed, diligent, efficient, patient, communicates well and answers every question immediately and thoroughly.
James started his business in 2002 and knows this market. James and his team are professional, organized, competent and can achieve fast results. If you want a seamless, painless, dependable process that can close in 30 days, then James Willard is the mortgage broker for you. He has been named, Best Mortgage Broker in Atlanta for the past three years.
I referred family members to James without hesitation and they all had the same experience of the best interest rates, low closing costs, fast results and excellent service. We were all able to close via Zoom because of COVID-19. It was safe and convenient. I will send James referrals whenever possible.
Bankrate recently had an article, Why haven’t 19 million homeowners refinanced their mortgages yet? The answer was for many the process is too tedious and intimidating, the closing costs are daunting and they do not trust the process. I wish that I could give James Willard’s name to those 19 million people that could save money by refinancing. I highly recommend that you call him.

irene Purser

I was out of time when the seller finally came back to me to accept my offer so I was under a very tight deadline. I spoke to several lenders and none but James would even try to meet my deadline- it just couldn’t be done. James was the only one who thought he could meet it and he and his team did. The process was fast and easy, far more than I had expected from any lender. I will absolutely recommend James to friends and family!

Leah Helms

James helped me buy my first house and went above and beyond to provide me with the best experience possible. He made me feel very comfortable and confident in my decisions! I cannot recommend him enough!

Vishvesh Dave

James and Frances were both so responsive and diligent.  I had total trust and confidence I was in good hands.  James worked hard to find the beat rate.  I’m very happy camper with my refi and the  painless process!

Susan Ross

James and his team are extremely professional and will bend over backwards to help get the job done. Working with James made our first home buying experience pleasant and enjoyable. Any little question we had was answered promptly and explained throughly. The customer service is unparalleled. I never felt like just a number to James and his team. I would highly recommend working with James and his team.

D Porter

We have completed two mortgages with James Willard and Liberty Home Mortgages. Everything was highly professional and thorough from start to finish. We completed the entirely process quickly and saved a lot of money in the process. I would highly recommend their services to anyone.

C. Jack Smith

James was very helpful throughout the process. He kept us informed and got us a terrific rate. I'm recommending anyone who is purchasing a home to work with him. It was the easiest transaction we've done.

Leslie Wittenberg

After hearing about a great experience from a colleague I decided to look into refinancing my own home. I reached out to James Willard directly based upon the personal referral received. From beginning to end this was an extremely pleasant process. I chose to refinance from a 30 year to a 15 year mortgage. Our rate was so great that it was only a $300 difference per month AND the amount saved in interest was completely worth it. I did not have to put down any cash as James worked everything into the financing of the loan. This entire experience started my wheels turning and we are now going to pay more toward the principal to pay off our home in 10 years. The process was quick. James was able to walk me through a pre-qualifying process and he knew his stuff. Everything else was simply a formality after that. Everyone was very communicative and I was even able to close from the comfort (and safety) of my own home via a Zoom call. I'm telling everyone that I know about this!!!! This was for sure the find of 2020 for me!!!!!!!!

Erika Williams

This was our eighth mortgage in 36 years. I've gone through brokers, bank, etc. and no one has exceeded my expectations of responsiveness, accuracy and timeliness like James. It made the process so easy and to boot, the rates were great. Thanks much, James, and I will be referring my daughter to you when she purchases in 2021.

Tom Wittenberg

Working with James and Francis is a seamless experience. After being introduced to James about 6 years ago, he has helped me through refinancing my home twice; most recently last month. He is dedicated to his clients, thoughtful in responses, and easily understands one's concerns and questions as seen through his quick, on-point replies. He is patient, has humor, and presents the "big picture" in tandem with minutiae, all of which I greatly appreciate when I'm evaluating/trying to make a financial decision. Even at a time when most services are available online, I would not trade working with James and his team. Personal relationships matter and James gets that! Thanks.

Rachel Jenks

James and his team did an excellent job of getting the financing done in a very short time in a professional and courteous manner. I will highly recommend their services to anyone financing a home.

Frank Behbahani

We can’t say enough wonderful things about James. We have used James’ services for several years.  He definitely goes above and beyond in everything he does for his clients. He was very prompt in answering questions we had and very helpful! James made our home buying experiences go so smoothly and quick. I am so grateful for him! 

Heather and Matt Link

James came as a reference from a friend of a friend. My first home buying experience was a rough one, but once James came into the picture, I really felt like he was in my corner. At times, I felt like he was the only person who wasn't bullshitting me. Honestly, I think it could have fallen through without him so I'm extremely grateful for the work he put in.

Nick Staab

Max and his team worked diligently for my daughter and me while purchasing a townhouse for her in Woodstock. Everyone at Liberty Home Mortgage always explained every detail, and their patience was unmatched. Thanks for making her dream house possible!!

Carol B

James help me buy my first house. If I had questions I could always reach out to him and get a quick response. He was very knowledgeable and made the process for getting the mortgage easy. Thanks to James and his team I am a very happy first time home owner.

Wesley Holmes

James has helped us with multiple mortgages. He is always professional, honest, and exceeds our expectations.

Steve Bissonnette

James was so helpful, as I was a "scared" client. He made the whole process easy and was quickly responsive to any concerns I had. I have used James twice and will again. I highly recommend him to my friends and family.

Connie T Burchfield

Was referred to James by my financial advisor and I must say it was one of the best referrals I have ever had. I never got to meet James in person due to COVID.However, his customer service was bar none. He was extremely responsive and made the process as painless as he could. Thanks James. 

Oko Buckle

As a first time home buyer, I couldn’t have asked for a better mortgage broker than James. He made himself available at a moment’s notice and his responses were always precise and easy to understand. James was happy to engage in conversation related to various lending scenarios and was patient in responding to my many questions. Whether you’re buying your first or third home, James is the broker to work with.


Max and the entire team at Liberty was outstanding in supporting my mortgage and closing. The team was on top of everything and made my home purchase financing easier than I could have ever expected.

Mark P

James is excellent at his job. He was always professional, but super friendly, and always responded promptly to emails, calls and texts. He was available to explain everything patiently and would text me if he had time-sensitive emails I needed to be looking out for. Little things like this make the process of refinancing less intimidating. James also got me the best rate at the best deal in the least amount of time. I did tons of research and talked to many lenders and none of them came close to what James could get. It was also super fast. Less than a month from start to closing. I am supremely grateful for James' guidance and would definitely recommend him highly.

Thais Jones

This was my second time working with James and Frances, they were extremely helpful and responsive. The process was timely and I was able to close on time even with the difficult circumstances that we are currently facing (Covid 19). Liberty Home Mortgages, LLC is outstanding and I thank you for your professionalism and efficiency.

Jim R

A friend referred us to Liberty Home Mortgage and we had a fantastic experience working with James and his team. As first time home buyers, we really appreciated working with someone as responsive and knowledgeable as James is. He was able to get us an incredibly low rate on our mortgage and worked seamlessly with our realtor and her team to close in less than 30 days. Our realtor even commented at our closing how great it was to work with him. An excellent overall experience and would highly recommend!

Alaina P

We have refinanced with James a couple times over the years and every experience has been great.  James is always very accessible at whatever time I call or text including weekends.  He answers any questions I have and always goes the extra mile.  Each time has been seamless and I wouldn't go with anyone else!

Marc Hinckley

This is my second experience working with James on refinancing and he is still the best!! I just closed on my refinance loan with James and in record time!!  He is always very professional, friendly and responsive (even after normal business hours). He knows the industry very well and always works to get the best deal for you. I have referred friends and family to James and will continue to do so.  

Gigi Peeples

James goes above and beyond to make sure you are taken care of! He offers a very high level of "personal" service, and remains in constant communication to help through the entire process. From initial loan application, to appraisal, to closing, he was there every step of the way, updating me through the entire process without even being asked. If I did have questions he was very responsive very quickly. Closing was a breeze and no unexpected surprises. I would highly recommend him and his company!

Greg Frasier

Being a first time home buyer, I knew very little about home mortgage, but James made it very straight forward and walked me through the entire process. He's easily reachable, extremely knowledgeable and thorough. He was truly a pleasure to work with and made the whole experience easy and worry free.

Anna J

James has been extremely helpful for my wife and I through the original home buying process and our refinance! He is great at explaining anything I had questions and made the process extremely easy. Would highly recommend using James.

Michael Oseth

Max was recommended to my wife and I by a friend who has used him twice now. Max and his team did a great job throughout the entire home buying process! They were available to answer any question any day of the week. Thank you Max for all of your help! I highly recommend using Max for your home purchase!


James, We looked at you, a couple other local folks, and some internet banks and found you were very close on cost, but WAY AHEAD on service and knowledge. So we'd like to more forward with you.

R Speidel

James was wonderful. He reviewed all of our options with us, was patient, creative, and endlessly calm as he guided us through the morass of financing.

M DuPree

Max was awesome to work with! He was extremely responsive and very helpful along the way for this first time home buyer! My loan was underwritten well before closing. He made buying my first home one of the easiest things I have ever done! Will use again!!

Rachel C

James and his team were excellent to work with! His price was competitive and he always responded quickly, usually within an hour. We were able to close a week ahead of schedule and our paperwork was error-free. I would absolutely recommend James to anyone looking for a home loan.

B Carroll

James was great with helping my wife and I through our first time purchasing a home. He was always very quick to respond with any questions at any time. He was very knowledgeable and made my wife and I feel very comfortable with the entire process.

M Oseth

We have worked with Max and his team twice now and cannot imagine going with anyone else! Max has the best customer service and has your best interest at heart! So incredibly grateful for his team.


Our experience working with Max was simply amazing. He was knowledgeable, super responsive and provided every tiny detail as to what was happening and needed to be done. But, by far, our favorite thing about Max was the confidence he expressed while working through things with us. We needed someone to really drive the loan process, and he did exactly that. There was no wavering, no doubt, no questioning... just clear direction backed up with vast knowledge that was second to none. On top of all of this, he’s just a great guy. Easy to talk to, doesn’t make things too complicated and really wants to find the best solution for us. If you can’t tell already, I could give a stronger recommendation. Max is simply the best!

J Teter

I can’t say enough nice things about Max and his team. My husband and I are first time home buyers and had a large learning curve. Max and his team were there the entire way to answer all our questions. They were fast and professional and answered all our questions and concerns. Definitely would recommend them to everyone.

S Shaheen

James is very professional, knowledgeable and thorough! Whenever we had a question he was extremely quick to respond (even after regular business hours)! He is very customer oriented and goes the extra mile to make sure you are taken care of! I really couldn't imagine using anyone else in the future for a mortgage should we buy another home! James Willard is an outstanding mortgage broker, and I don't believe you would find anyone else in the business that is any better! If you need a mortgage give him a call. You'll be happy you did!

Larry Smith

Thank you James Willard!!! What a great home buying experience!!! I highly recommend you and Francis to anyone looking for a home mortgage. What a seemless process and your communication, every step of the way was stellar!
Can’t say enough positive about my whole experience!
Thank you James Willard and Liberty Home Mortgages!!!!

Virginia Brittle

Max was extremely easy to work with and his team was very responsive. We had 20 days to get closed from when the offer was accepted due to restraints from the seller. They were able to make it happen with a week to spare for me.

Adam M


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