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.

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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.

Third-Party Originator Wholesale Broker Hybrid Correspondent Full Correspondent Other Offerings
Print Application Print Application Print Application 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
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
Liberty offers two unique offerings that are intended as a resource to assist Partners in generating more income while easing some of their work load.

Hybrid Originator Program

The program offers Liberty Hybrid Correspondents the ability to source mortgages through banks and credit unions.

Learn More

Processing Platform

Let Liberty provide the processing resources and expertise to close your loan quickly.

Learn More
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
Other Offerings Liberty offers two unique offerings that are intended as a resource to assist Partners in generating more income while easing some of their work load.

Hybrid Originator Program

The program offers Liberty Hybrid Correspondents the ability to source mortgages through banks and credit unions.

Learn More

Processing Platform

Let Liberty provide the processing resources and expertise to close your loan quickly.

Learn More