Rick O'Bymachow
President, Loan Officer
NMLS #22863
The O'Bymachow family has been residents of the Virgin Islands since 1984. As the owner of First Liberty Mortgage, Rick O’Bymachow began his mortgage career in Connecticut in 1992, and then expanded its mortgage origination base to include the United States Virgin Islands in 2003. With innovative processing and superior technology, First Liberty Mortgage has been able to offer the lowest possible mortgage rates for the Virgin Islands real estate market, offering Conventional, Jumbo, FHA, and VA mortgage loan products.
8 Strategies to Buy a Home in a Tight Market
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Discover 8 practical strategies that can help make buying a home in a challenging market more achievable.
Ready to Buy a Home but worried about a Down Payment?
Aug 05, 2026
Learn how much down payment you may need, the tradeoffs of putting more down, and how to choose an amount that fits your budget and goals.
Navigating USDA and FHA Loan Differences
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Compare USDA vs FHA loans, including down payment, credit, location, income limits, and fees, to find the right fit for your homebuying goals.
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