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:

"I just had the pleasure of working with James and team for our home mortgage. Without hesitation, I'd like to highly recommend them. They provided great service, competitive rates, and proactively guided us through the whole process that went super smooth. James' communication is top notch and prompt. We always received information on the next steps and what was expected of us. Our closing window was short but James, Frances, and Laurel worked hard to make sure everything was in place to get the mortgage approval and we closed on time. Thank you!"


Atlanta, GA

"We had the absolute best experience with James and his team at Liberty Home Mortgages. Our closing was able to be moved up because of their attention to detail and quick action. Everything was very simple and explained clearly. There is no need to look elsewhere. This team is the best!"

Rhonda G.

Atlanta, GA

"Fantastic experience using Liberty Home Mortgages! I highly recommend James and his entire team. They were responsive, provided great advice, and offered the best rate I could find.

I also found James to be totally trustworthy and reliable. In fact, when we ran into an issue at the last minute and it was about to delay the closing (due to the seller’s attorney, not us 😅), it was James who stepped up, worked after hours, and found a solution to get it done on time."


Atlanta, GA

"My overall experience was great. The process was very smooth from start to finish. There was always someone who could answer my questions and walk me through any concerns I expressed."


Atlanta, GA

"James and his team are always very pleasant to work with. They go above and beyond to ensure the process is as simple as possible providing step by step instructions and keeping me up to date throughout the entirety of the loan process. Always a pleasure to work with! Thank you!"

Will B.

Atlanta, GA

"James and his team were amazing and helped push through a closing in less than 30 days...unheard of in this market! Their assertive determination helped us move from Louisiana to Georgia without any down time."


Atlanta, GA

"I can't thank enough Liberty Home Mortgages for their assistance in purchasing my new home! Their timely replies and making me feel like their top priority really stood out compared to other lenders I reached out to. I shopped around and requested quotes from a few different places, but Liberty Home Mortgages found by far the best deal. It’s my second time working with James Willard and Frances Braswell and they consistently provide top-notch service."


Atlanta, GA

"James did a great job helping me prepare all the paperwork needed to refinance my mortgage to a lower interest rate. He was professional and knowledgeable. His team got me to a successful closing in no time. I was especially impressed with his prompt communication and explanations of how the refinance affected cost and savings to me. Thank you James!"


Atlanta, GA

"James and Frances were so responsive and diligent. I had total trust and confidence I was in good hands and the process was painless. James worked hard to make sure I had the best rate, and I am a happy camper with my refi!"


Atlanta, GA

"This is the second time we've Liberty's services and I can't say how much I'm impressed with James and his team. They make process of financing almost seamless and timely. I really enjoyed using their services again and cannot recommend them enough. Thank you so much again for making our refinancing a great experience!!"


Atlanta, GA

"Superb experience with James and the entire team at Liberty Mortgage. Online process was well designed and easy to use. James and the team had prompt responses to every question I had along the way...this is who you want in your corner getting your deal done quickly and professionally. Very impressed!"


Atlanta, GA

"James & his team are incredible to work with. They handled all the paperwork & stressful parts of buying a home and made it a breeze. Not a single hiccup throughout the entire process and got us to closing without missing a beat. I would recommend them to anybody looking for a mortgage broker!"


Atlanta, GA

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

Atlanta, GA

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

Jasper, GA

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

Smyrna, GA

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

Fayetteville , GA

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

Atlanta, GA

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

Austell, GA

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

Cumming, GA

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

Atlanta , GA

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

Canton, GA

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

Atlanta, GA

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

Johns Creek, GA

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

Lawrenceville, GA

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

Johns Creek, GA

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

Atlanta, GA

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

Cumming, GA

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

Cumming , GA

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

Atlanta, GA

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

Atlanta, GA

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

Steve Bissonnette

Suwanee, GA

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

Marietta, GA

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.


McBain, GA

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

Chamblee, GA

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

Atlanta, GA

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

Alpharetta, GA

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

Johns Creek, GA

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

Smyrna, GA, GA

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

Marietta, GA

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

Atlanta, GA

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

Canton, GA

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

Marietta, GA

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

Smyrna, GA

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

Atlanta, GA

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

Atlanta, GA

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

Smyrna, GA


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