Partner With Us

As a leading HECM lender, our business partners range from large, high-volume producers to small, one-person third-party originators. No matter your needs—even if you’re not an FHA-approved broker—we have a program that can help you grow your business.

Have questions or need more information?
Check our FAQs, or tell us how to reach you by clicking on the Contact Me button. One of our account managers will be in touch to personally answer your questions.

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 You can also contact the account manager for your region. Not sure who that is? Click the Contact Us button for a regional account manager map; complete with email and phone numbers.

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Our Programs

There are several ways to partner with Liberty. Our programs are designed to meet your needs and provide you with the level of involvement in the loan process that you prefer. Liberty’s business partners range from large, high-volume producers to small one-person, third-party originators and every size in between.

Originator Program Wholesale Broker Hybrid Correspondent Full Correspondent Marketing Affiliate
Print Application Print Application Print Application Print Application Learn More
With the Third Party Originator Program (TPO), you retain and expand your client base, increase returns on marketing investment, and grow your business. You bring us the client, we work directly with them and you earn a fee based on the services your provided.

    Participation Requirements
  • Develop client relationships
  • Liberty takes the loan risk
With the Wholesale Program, the loan process is shared by the broker and Liberty. You develop relationships with clients, guiding them through the application and counseling process. Liberty underwrites, draws documents, closes and funds the loan. Loans close in Liberty’s name.

Participation Requirements
Properly state licensed as a mortgage broker
Hybrid Correspondent Program (HCP) participants prospect, originate, close and fund their reverse mortgage loans. Liberty will then purchase the closed loan as a secondary transaction. Specialized training is provided by Liberty.

    Participation Requirements
  • FHA approved Full Eagle in good standing
  • HECM DE unconditional approval or FHA lender
    unconditional DE approval
  • The ability to fund loans through a warehouse line
    of credit or other sources
  • Properly state licensed as a mortgage banker
  • MERS compliant
  • Minimum FHA net worth requirements
As a Full Correspondent, you originate, underwrite, process, close and fund the loan. You then send us the complete funded loan. Liberty will then purchase the closed loan as a secondary transaction. Specialized training is provided by Liberty.

    Participation Requirements
  • FHA approved Full Eagle in good standing
  • HECM direct endorsement (DE) unconditional
    approval
  • A DE underwriter on staff
  • The ability to fund loans through a warehouse line
    of credit or other sources
  • Properly state licensed as a mortgage banker
  • MERS compliant
  • Minimum FHA net worth requirements
  • Home Equity Reverse Mortgage Information
    Technology (HERMIT) ready
Under a marketing services agreement, you bring us your list of potential clients; we market to your database. Liberty works directly with them and you earn a fee for closed loans.

Participation Requirements
Must have a signed marketing agreement contract
Originator Program

Print Application
With the Third Party Originator Program (TPO), you retain and expand your client base, increase returns on marketing investment, and grow your business. You bring us the client, we work directly with them and you earn a fee based on the services your provided.

    Participation Requirements

  • Develop client relationships
  • Liberty takes the loan risk
Wholesale Broker

Print Application
With the Wholesale Program, the loan process is shared by the broker and Liberty. You develop relationships with clients, guiding them through the application and counseling process. Liberty underwrites, draws documents, closes and funds the loan. Loans close in Liberty’s name.



Participation Requirements

Properly state licensed as a mortgage broker
Hybrid Correspondent

Print Application
Hybrid Correspondent Program (HCP) participants prospect, originate, close and fund their reverse mortgage loans. Liberty will then purchase the closed loan as a secondary transaction. Specialized training is provided by Liberty.

    Participation Requirements

  • FHA approved Full Eagle in good standing
  • HECM DE unconditional approval or FHA lender
    unconditional DE approval
  • The ability to fund loans through a warehouse line
    of credit or other sources
  • Properly state licensed as a mortgage banker
  • MERS compliant
  • Minimum FHA net worth requirements
Full Correspondent

Print Application
As a Full Correspondent, you originate, underwrite, process, close and fund the loan. You then send us the complete funded loan. Liberty will then purchase the closed loan as a secondary transaction. Specialized training is provided by Liberty.

    Participation Requirements

  • FHA approved Full Eagle in good standing
  • HECM direct endorsement (DE) unconditional
    approval
  • A DE underwriter on staff
  • The ability to fund loans through a warehouse line
    of credit or other sources
  • Properly state licensed as a mortgage banker
  • MERS compliant
  • Minimum FHA net worth requirements
  • Home Equity Reverse Mortgage Information
    Technology (HERMIT) ready
Marketing Affiliate

Learn More
Under a marketing services agreement, you bring us your list of potential clients; we market to your database. Liberty works directly with them and you earn a fee for closed loans.


Participation Requirements
Must have a signed marketing agreement contract

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