Testimonials

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:

What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Rating
5.0
209 reviews
Nick Corwin
Great people to work with. Super helpful and super responsive!
Great people to work with. Super helpful and super responsive!

Nick Corwin

1 month ago

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Shaun
I couldn’t be happier with the outstanding service James and his team provided during my recent home purchase. This was my second time working with them, and once again, they exceeded every expectation. Their patience, knowledge, and professionalism were ...
I couldn’t be happier with the outstanding service James and his team provided during my recent home purchase. This was my second time working with them, and once again, they exceeded every expectation. Their patience, knowledge, and professionalism were phenomenal. They guided me through every step of the process, making a potentially stressful experience completely smooth and seamless. James’s team was always responsive and went above and beyond to address any concerns I had. If you're looking for a loan officer who truly cares and delivers exceptional results, I highly recommend James and his team. Thank you again!
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Shaun

1 month ago

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Maggie Keller
James and Team were absolutely wonderful in assisting my husband and I when purchasing our first home. James helped keep us informed and educated us every step of the way. Would absolutely recommend them to anyone! —Maggie & Austin
James and Team were absolutely wonderful in assisting my husband and I when purchasing our first home. James helped keep us informed and educated us every step of the way. Would absolutely recommend them to anyone! —Maggie & Austin

Maggie Keller

1 month ago

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Matthew Bulthuis
James and his team were absolutely wonderful to work with. As a first time home buyer my wife and I had a lot of questions and James worked closely with us and made the whole process easier! 10/10 would recommend and work with them again in the future!
James and his team were absolutely wonderful to work with. As a first time home buyer my wife and I had a lot of questions and James worked closely with us and made the whole process easier! 10/10 would recommend and work with them again in the future!

Matthew Bulthuis

1 month ago

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Lori Bray
Being a small business owner trying to refinance your home in the middle of a pandemic is not easy. What the banks put small business owners through is ridiculous. I am typically easy to work with but what should have been an easy process became very di ...
Being a small business owner trying to refinance your home in the middle of a pandemic is not easy. What the banks put small business owners through is ridiculous. I am typically easy to work with but what should have been an easy process became very difficult, but James was an effective mediator between us and the banks. I expressed my frustration several times and James took it like a champ. 😊 He is understanding and kind in his responses and always diffused the situation. James is a very good communicator and kept us in the loop through the whole process. I was very thankful for the assistance he provided. Update 10/13/2024. The review above was from 2020. Here we are 4 years later and we just closed on a second home. James and his team delivered the same great service. Everything was quick and easy! Thanks Team James!!
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Lori Bray

1 month ago

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T T
Excellent experience with James . Stayed in contact with me for over 6 months while selling my previous house . Loan process was quick . Fast Closing . Will use again soon
Excellent experience with James . Stayed in contact with me for over 6 months while selling my previous house . Loan process was quick . Fast Closing . Will use again soon

T T

2 months ago

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Leslie O'Neal
James and his team at Liberty Home Mortgages are top notch! I wanted to make an offer on a home over a weekend and needed a pre-approval letter. James got back to me immediately on a Saturday and helped put me in a position to get the home I wanted. The ...
James and his team at Liberty Home Mortgages are top notch! I wanted to make an offer on a home over a weekend and needed a pre-approval letter. James got back to me immediately on a Saturday and helped put me in a position to get the home I wanted. They are quick to respond to any questions and extremely thorough and friendly. I highly recommend them to anyone needing a mortgage!!
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Leslie O'Neal

4 months ago

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Traci Sutter
James and his Team were fantastic to work with. They went above and beyond to get me what ai needed and close quickly. I would recommend James for any of your mortgage needs!!
James and his Team were fantastic to work with. They went above and beyond to get me what ai needed and close quickly. I would recommend James for any of your mortgage needs!!

Traci Sutter

4 months ago

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Jeff Black
Working with Liberty and James Willard's Team was quick and easy! We have bought multiple homes through different lenders, none compare to how smooth and simple it was to work with James and Frances with LHM! I will definitely use Liberty for all my len ...
Working with Liberty and James Willard's Team was quick and easy! We have bought multiple homes through different lenders, none compare to how smooth and simple it was to work with James and Frances with LHM! I will definitely use Liberty for all my lending needs in the future :)
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Jeff Black

5 months ago

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Jordan Wright
James was beyond helpful and a pleasure to work with during the entire home buying process.
James was beyond helpful and a pleasure to work with during the entire home buying process.

Jordan Wright

7 months ago

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Kayla Yuan
James was very helpful throughout the whole home buying process. I asked him many questions and he did not hesitate to walk me through everything in detail on the phone and get us the best rate. Our agent recommended him and we could not have been happier ...
James was very helpful throughout the whole home buying process. I asked him many questions and he did not hesitate to walk me through everything in detail on the phone and get us the best rate. Our agent recommended him and we could not have been happier with our choice!
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Kayla Yuan

8 months ago

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Sergio Miranda
We found James based in a recommendation from our Agent. I was talkink to many different people to get the best quote. James and his team always had time to answer any question and to explain very clear all the process. We decided to work with them due to ...
We found James based in a recommendation from our Agent. I was talkink to many different people to get the best quote. James and his team always had time to answer any question and to explain very clear all the process. We decided to work with them due to they were able to offer the best rate comparing between 4 differents. The decision was the best we did also after we started working with him. His team was also amazing, they were also very responsive. The original numbers were offered were very accurate and the end of the closing. I absolutely recommend working with James and his team.
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Sergio Miranda

11 months ago

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Melissa Powell
James is without a doubt amazing!! We have used James in several home buying processes throughout the past 10 years. He is our go to mortgage guru!! His knowledge and professionalism is off the charts! His team is amazing and he has always been availa ...
James is without a doubt amazing!! We have used James in several home buying processes throughout the past 10 years. He is our go to mortgage guru!! His knowledge and professionalism is off the charts! His team is amazing and he has always been available to answer questions. Providing exceptional service truly sets them apart. If you're looking to buy a home, I wholeheartedly suggest reaching out to James at Liberty Home Mortgages they are simply the best in the business. Thank you for always making our home buying experience a fantastic one! Melissa & Leigh
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Melissa Powell

11 months ago

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Jack Son
UPDATE 9-8-23- Second time was even better than the first!! The speed of approval to close was mind-blowing (@3 weeks)!!! Still highly referred and PREFERRED. James and team will always be my first choice for mortgages. I was referred to James by a very g ...
UPDATE 9-8-23- Second time was even better than the first!! The speed of approval to close was mind-blowing (@3 weeks)!!! Still highly referred and PREFERRED. James and team will always be my first choice for mortgages. I was referred to James by a very good friend of mine who raved about the service - and now I can see why! I will recommend James and Liberty Home Mortgage to ANYONE I come across needing a mortgage or refinance!! James and his Team are quick to respond to any questions and handle any issues that may arise. They helped me refinance my home and remained in constant contact throughout the event. It was the EASIEST and FASTEST process I've gone through for mortgages. HIGHLY recommended!
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Jack Son

1 year ago

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Jeremy Mashuga
We, my wife and I, highly recommend James and his team. We prayed for our dream home for almost a year. James and his team helped us work on things we needed to work on and once we were ready to buy, it took one month from the beginning to closing date ...
We, my wife and I, highly recommend James and his team. We prayed for our dream home for almost a year. James and his team helped us work on things we needed to work on and once we were ready to buy, it took one month from the beginning to closing date. Team James made this process very smooth, exciting, and our out come was more than we ever expected. James and his team along with our realtor's Page and Blaise worked for us. Thank you all for making this an amazing experience!!
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Jeremy Mashuga

1 year ago

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Asif Rana
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 ...
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!
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Asif Rana

1 year ago

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Rhonda Gilbert
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 el ...
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!
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Rhonda Gilbert

1 year ago

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Phil Badger
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 ...
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.
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Phil Badger

1 year ago

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L. C.
James and team are phenomenal! They make the entire home buying process quick and easy to understand! There was someone available to me for any and all questions. They made me feel like a valued customer!
James and team are phenomenal! They make the entire home buying process quick and easy to understand! There was someone available to me for any and all questions. They made me feel like a valued customer!

L. C.

1 year ago

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Michael Intriago
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 ...
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!
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Michael Intriago

2 years ago

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spike jr
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 ...
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!
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spike jr

2 years ago

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Travis Jordan
I can safely say this has been the most efficient, and easy home loan process I've ever done! James and his team are simply phenomenal and work around the clock to make the process as seamless as possible. They are mind blowingly fast and had us ready to ...
I can safely say this has been the most efficient, and easy home loan process I've ever done! James and his team are simply phenomenal and work around the clock to make the process as seamless as possible. They are mind blowingly fast and had us ready to close in less than 12 days from contract signing. There's no need to shop around, save yourself the hassle and use Liberty Home Mortgage!!
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Travis Jordan

2 years ago

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DG
Max Kallos and the team at Liberty Home Mortgages provided exceptional service from start to finish. They were on top of the closing process, professional, answered all my questions, and got me to the closing table in a short time frame. Would highly re ...
Max Kallos and the team at Liberty Home Mortgages provided exceptional service from start to finish. They were on top of the closing process, professional, answered all my questions, and got me to the closing table in a short time frame. Would highly recommend!
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DG

2 years ago

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Star Grate
Max and his team have been phenomenal!!! I couldn’t ask for a better experience acquiring my home mortgage. He was excellent at communicating and answering all of my questions. I felt like he was always 5 steps ahead and made the whole process run smoothl ...
Max and his team have been phenomenal!!! I couldn’t ask for a better experience acquiring my home mortgage. He was excellent at communicating and answering all of my questions. I felt like he was always 5 steps ahead and made the whole process run smoothly. We were able to close in 21 days and I couldn’t be happier. Would definitely recommend Liberty Home Mortgages to everyone!
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Star Grate

2 years ago

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Hailey Nicholls
James and Laurel were amazing and made the whole process very easy! They made everything easy to understand and always responded quickly.
James and Laurel were amazing and made the whole process very easy! They made everything easy to understand and always responded quickly.

Hailey Nicholls

2 years ago

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Albert Liu
Would recommend anyone interested in buying a home to go through James Willard and Liberty Home Mortgages in ATL area. Even if you are a first-time home buyer (like myself), it was such a great experience. James and his team is very knowledgable and he wa ...
Would recommend anyone interested in buying a home to go through James Willard and Liberty Home Mortgages in ATL area. Even if you are a first-time home buyer (like myself), it was such a great experience. James and his team is very knowledgable and he was so accessible even on weekends, to help close our home. Without James' help I don't think we would have been able to win this home. Thank you for everything!
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Albert Liu

2 years ago

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Karim Bolbol
Top notch professionals! I have used Max and the LHM team for two projects, last one just closed in August 2022. Both times the process could have not been better: Friendly, timely, accurate, knowledgeable, while also getting good rates. If you are lookin ...
Top notch professionals! I have used Max and the LHM team for two projects, last one just closed in August 2022. Both times the process could have not been better: Friendly, timely, accurate, knowledgeable, while also getting good rates. If you are looking for a lender who makes your life easy and does what they say they would do, look no further. I will use Max and team for all my upcoming projects, and recommend them without hesitation to any friends and family looking for mortgage services!
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Karim Bolbol

2 years ago

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Theresa Tucker
Of all the lenders I initially reached out to, Liberty (James and team) exceeded my expectations by having great communication, quick responses to get approval, and was with me each step of the way ensuring a smooth closing. During the process when inter ...
Of all the lenders I initially reached out to, Liberty (James and team) exceeded my expectations by having great communication, quick responses to get approval, and was with me each step of the way ensuring a smooth closing. During the process when interest rates were rising, James worked and found me a lower rate. If you need a solid, friendly, and experienced team, Liberty (James and team) are fantastic.
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Theresa Tucker

2 years ago

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Obinna Udoyeh
I worked with Max directly on purchasing my first home and I would gladly recommend him to friends and others wishing to make home purchases. He provided valuable insights on how to navigate buying amidst rising interest rates, he shopped us a good rate a ...
I worked with Max directly on purchasing my first home and I would gladly recommend him to friends and others wishing to make home purchases. He provided valuable insights on how to navigate buying amidst rising interest rates, he shopped us a good rate and he handled curveballs that came up during the buying process elegantly. Altogether a near flawless experience.
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Obinna Udoyeh

2 years ago

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Paul Picinich
Max Kallos and team were quick to respond, quick to educate, and quick to help me work through any issues during my home-buying and loan process. I appreciate their excellent attentiveness and customer service.
Max Kallos and team were quick to respond, quick to educate, and quick to help me work through any issues during my home-buying and loan process. I appreciate their excellent attentiveness and customer service.

Paul Picinich

2 years ago

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meg kangai
It was a pleasure working with Max and his team. Max responded to my questions in a timely manner always either via text messages or emails. He was also very patient as I changed my mind several times regarding which state to purchase the vacation home ...
It was a pleasure working with Max and his team. Max responded to my questions in a timely manner always either via text messages or emails. He was also very patient as I changed my mind several times regarding which state to purchase the vacation home due to changes in the market. Eventually I was able to purchase a property in Mineral Bluff, Georgia. Max was also flexible with the loan amounts as circumstances changed. The loan closed on time as promised as Max and his team worked diligently to ensure that everything was in place. I would recommend Max without any reservations.
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meg kangai

2 years ago

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Bruce Wen
We financed our second home through Liberty Home Mortgages. James Willard was absolutely amazing. He was highly approachable through email, text, and phone! This was extremely important for us, especially considering that we are trying to buy our home fro ...
We financed our second home through Liberty Home Mortgages. James Willard was absolutely amazing. He was highly approachable through email, text, and phone! This was extremely important for us, especially considering that we are trying to buy our home from out of state. We would certainly recommend James and Liberty Home Mortgages to anyone who is looking to finance to buy a home in Georgia:)
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Bruce Wen

2 years ago

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Carolina Fernandes
Max and his team were a pleasure to work with from start to finish. He helped my parents get a loan for their forever home, close to family. Max and his team worked through challenges behind the scenes and made us feel comfortable with the entire process. ...
Max and his team were a pleasure to work with from start to finish. He helped my parents get a loan for their forever home, close to family. Max and his team worked through challenges behind the scenes and made us feel comfortable with the entire process. Our case was fairly difficult with bumps on the road, but that did not stop Max from getting the job done. Overall, he is professional, kind, and trustworthy! We are so thankful for you guys!
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Carolina Fernandes

2 years ago

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Josh Diehl
James has helped us refinance our mortgage on more than one occasion and has always been professional as well as extremely thorough. He often responds to requests or questions before I even ask, lol. His staff is equally amazing and together they make a g ...
James has helped us refinance our mortgage on more than one occasion and has always been professional as well as extremely thorough. He often responds to requests or questions before I even ask, lol. His staff is equally amazing and together they make a great team so the process is as simple and smooth as possible. I’ve been on his mailing list for years and he sends just enough so I don’t forget about him but not so much that I’m annoyed. His email earlier this year helped push me to start the refi process just ahead of a substantial rate hike which saved me thousands. If you’re looking for a mortgage broker to help you find the best outcome, James and his team are the best choice.
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Josh Diehl

2 years ago

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Heshan Rodrigo
I just purchased my first home and would highly recommend Max & team at Liberty to my friends and family. I can genuinely say they went above and beyond to accommodate me and my rapid 3-week closing. They were trustworthy, thorough and ALWAYS reachable. ...
I just purchased my first home and would highly recommend Max & team at Liberty to my friends and family. I can genuinely say they went above and beyond to accommodate me and my rapid 3-week closing. They were trustworthy, thorough and ALWAYS reachable. Five-star service.
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Heshan Rodrigo

2 years ago

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Dayna Barker
I've worked with a lot of lenders in my 14 years of real estate investing. They are the most stressful part of buying a property. Not Max. He closed quickly in the chaos of the 2022 real estate market. When hiccups arose, he was all over the problem. Nig ...
I've worked with a lot of lenders in my 14 years of real estate investing. They are the most stressful part of buying a property. Not Max. He closed quickly in the chaos of the 2022 real estate market. When hiccups arose, he was all over the problem. Night or day, weekday or weekend, he was there. He told me he could close this loan in less than 4 weeks and I assumed he (like most lenders) was lying. Especially since our businesses and income are unconventional and don't neatly fit into what a lender wants to see for documentation. He was not lying. We closed on time, Max went above and beyond and I sure do miss him now that I am closing another deal outside Georgia. If you have the opportunity, treat yourself to the world's smoothest, stress-free closing. Max for President.
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Dayna Barker

2 years ago

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David Melton
James and his entire team were fantastic to work with. This is my fourth home and it was the easiest to finance. I'm recommending Liberty Home to everyone I know.
James and his entire team were fantastic to work with. This is my fourth home and it was the easiest to finance. I'm recommending Liberty Home to everyone I know.

David Melton

2 years ago

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Anup Vasisth
Max and his team were amazing to work with! We initially went with another lender who stopped returning calls and were very unprofessional. We switched to Max and he saved the day for us by going above and beyond to get our loan approved in under two week ...
Max and his team were amazing to work with! We initially went with another lender who stopped returning calls and were very unprofessional. We switched to Max and he saved the day for us by going above and beyond to get our loan approved in under two weeks. Max was always available throughout the process, explaining everything and answering all our questions and worked to get the best rates for us. I highly recommend Max and his team - he is certainly one of the best!
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Anup Vasisth

2 years ago

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Sterling Snedigar
In my three real estate transactions, I’ve not found a lender as good as Max. My advice to anyone shopping for a loan is that you shop for the loan almost as much as you shop for the house. Don’t just go with the first loan offer you get. Well this was ...
In my three real estate transactions, I’ve not found a lender as good as Max. My advice to anyone shopping for a loan is that you shop for the loan almost as much as you shop for the house. Don’t just go with the first loan offer you get. Well this was the first time I ended up going with the first loan officer I contacted, even after shopping a bunch for other loans to compare him to. Wether you need speed that no one else can beat or a rate no one else can beat, Max is your guy. And great customer service with quick response times are frosting on the cake.
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Sterling Snedigar

2 years ago

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Julie Wolfrum
James was so great to work with! He was VERY responsive throughout the entire process! I would 100% recommend using James!
James was so great to work with! He was VERY responsive throughout the entire process! I would 100% recommend using James!

Julie Wolfrum

2 years ago

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Jackie R
Very nice and super responsive. Also, all numbers in the estimate provided were updated and correct. I got another quote from a preferred lender and my experience with her was subpar. Would choose him all over again!!!
Very nice and super responsive. Also, all numbers in the estimate provided were updated and correct. I got another quote from a preferred lender and my experience with her was subpar. Would choose him all over again!!!

Jackie R

2 years ago

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John O'Rear
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 ...
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!!
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John O'Rear

2 years ago

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Luis Diaz
Working with Liberty Home Mortgages was easy and pleasant. Communication was on point and the whole process went forward without any problems.
Working with Liberty Home Mortgages was easy and pleasant. Communication was on point and the whole process went forward without any problems.

Luis Diaz

2 years ago

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Leah Helms
2nd review - Dec 2021 - I quoted several but went back to James and team again. Just completed a cash out refi only a year later. As before Liberty did me right. They are quick and efficient. 1st review - Sept 2020 - I was out of time when the seller ...
2nd review - Dec 2021 - I quoted several but went back to James and team again. Just completed a cash out refi only a year later. As before Liberty did me right. They are quick and efficient. 1st review - Sept 2020 - 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!
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Leah Helms

2 years ago

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Bud B
Can't say enough good things about James and his team at Liberty Home Mortgage. Great service, professional and responsive. The entire experience was a great one.
Can't say enough good things about James and his team at Liberty Home Mortgage. Great service, professional and responsive. The entire experience was a great one.

Bud B

2 years ago

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Renita Walker
Max and his team were amazing. They gave guidance along the home buying journey and we’re very responsive to my needs. I would highly recommend them for all your home buying needs.
Max and his team were amazing. They gave guidance along the home buying journey and we’re very responsive to my needs. I would highly recommend them for all your home buying needs.

Renita Walker

2 years ago

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D
Max Kallos and his team were great to work with. Everything worked as planned. It was stressful to prep our house for the sale and buy at the same time, and Max was incredibly responsive with our many many inquiries. Rates and fees were very good and we c ...
Max Kallos and his team were great to work with. Everything worked as planned. It was stressful to prep our house for the sale and buy at the same time, and Max was incredibly responsive with our many many inquiries. Rates and fees were very good and we closed on time and very smoothly. Thanks Max!
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D

3 years ago

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Joseph Mayes
Max and his team are phenomenal to work with. This was our first time buying a home and Max made the experience very easy, returning calls and emails quickly and spending as much time as needed to explain the process to us. He has great attention to detai ...
Max and his team are phenomenal to work with. This was our first time buying a home and Max made the experience very easy, returning calls and emails quickly and spending as much time as needed to explain the process to us. He has great attention to detail and puts in the effort to get his clients the best deal possible. I highly recommend working with Max!
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Joseph Mayes

3 years ago

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Julie Caricato
James & team are GREAT! very responsive, quick and seamless! Being in the real estate business- it's great to have an amazing resource that I can count on!
James & team are GREAT! very responsive, quick and seamless! Being in the real estate business- it's great to have an amazing resource that I can count on!

Julie Caricato

3 years ago

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"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!"

A.R.

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."

Phil

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."

L.C.

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."

Kristi

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."

Maryia

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!"

Charlette

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!"

Susan

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!!"

John

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!"

-John

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!"

Michael

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

SMYRNA, GA

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.

Adam

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

ALPHARETTA, GA

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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