
Caliber Home Loans Reviews
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About Caliber Home Loans
Caliber Home Loans (NMLS #15622) is a full-service mortgage lender that offers a comprehensive loan process from application to closing either online or in person. The company promises innovative technology, expert loan consultants and a loan processing period as short as 10 days. With services available in all 50 states, Caliber Home Loans has products for all types of buyers. The company was founded in 2008.
- Quick process from application to closing
- Branches in most states
- Offers free financial education resources
- Low-down-payment programs
- Loan rates and fees not available online
- No home equity loans
Caliber Home Loans Reviews
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Reviewed Aug. 25, 2020
Fantastic service. I have already recommended you guys, especially Kenny, to friends and family. We had a great experience all around and are very happy with our decision. Kenny helped us from the get go and was straightforward about all aspects.
Reviewed Aug. 25, 2020
Caliber Home Loans did a great job with our refinancing. We only had to provide a few small documents and they took care of the rest. Sent the closer to our house to close and everything was done quickly. Great customer service and knowledgeable staff. Thanks for helping me lower my interest rate and showing me how important of a customer I am to you. Definitely recommend.
Reviewed Aug. 25, 2020
Although we started the process just before the pandemic hit, Mark encouraged me to just keep plugging away, getting the proper documentation digitized and organized. He made sure I got the best rate and we got it done, closing early in the summer of 2020. Best decision I've made in a long time.
Reviewed Aug. 25, 2020
Great service, quick closing, would recommend calling this company. I have friends that are still trying to close and they started process before me, these people know their stuff!!! Very helpful, very knowledgeable and very quick, all questions answered same day and also could talk to them on the phone easily, hard to find service this good these days! Call these folks first!!!
Reviewed Aug. 24, 2020
Carol ** was my lender at Caliber Home Mortgage. Carol made the process easy, fast and quite painless. She gave me a list of document needed and that was it, no back and forth asking for a never ending list of changing requirements. The final signing during COVID shutdown was awesome, wore masks, used new unopened pens and even wiped down the table when done. Thank you.
Reviewed Aug. 24, 2020
We refinanced our home and the process went rather well. She communicated very well with us, was quick to respond and always looked out for us. She is great at what she does and very accurate! I would recommend her to anyone I know.
Reviewed Aug. 24, 2020
I was very please with the quality of service I received from Caliber Home Loans. Everyone I was involved with was very professional and they always answered any questions I had usually on the same day. I would highly recommend them to anyone who needs a loan.
Reviewed Aug. 24, 2020
Cordelia ** and Stacey ** went above and beyond expectations in processing our refinance request. Caliber Home Loans Is a terrific company based on our interactions with their staff. Even with the difficulties of remote working during 2020 we never felt ignored or slighted.
Reviewed Aug. 24, 2020
Everyone we dealt with was very professional and helpful. Everything was done through the computer except the final paperwork. They worked with us to make my VA loan refinance and made things easy. I recommend this lender to anyone needing mortgage financing.
Reviewed Aug. 24, 2020
Curt ** was the one who worked his magic with us and help out dreams come true for us to purchase a home. Curt was always transparent and honest to what he was telling us, never lied to us. Honestly was a big part why we accomplished what we did in such a short time. Curt we thank you from our family and hopefully you can make others' dreams come true helping them purchase their new home in the future. Thank you Caliber.
Reviewed Aug. 24, 2020
I haven’t received the return of my escrow in the anti of $2200. It was supposed to be returned three weeks after closing. It has been since we closed in mid July now. Please check to see if the check has been lost in the mail.
Reviewed Aug. 24, 2020
I have used Caliber multiple times. They were thorough and competent processing my new mortgage and refinances. They are honest, upfront about requirements and the ever changing landscape of the industry, interest rates, etc. I highly recommend Caliber for your home loan needs.
Reviewed Aug. 24, 2020
Rick ** and his team not only assisted closing for our home during the original purchase, but also worked with us a year later to help refi the home. We appreciated the team’s strive to make the process as painless as possible while working the best deal for us. Communication was excellent and always responsive to our needs. I absolutely recommend the ** Team!
Reviewed Aug. 24, 2020
Our experience in closing our investment property with Caliber has been seamless. From the application process to signing final documents. You have made this transaction as easy as possible given the environment we live in today with everything being remote. I would recommend Caliber Home Loans to anyone who asks! Thank you for the easy transaction! Looking forward to more closings! Tara **.
Reviewed Aug. 24, 2020
I reached out to Caliber Home Loans after receiving a letter in the mail saying I could qualify for a lower rate. I thought, why not? I couldn’t be happier that I did! This goes beyond my monthly savings. From my initial conversation with my loan consultant, Sam **, to getting everything submitted with ease. Working with Sam and his loan processor, Brittany **, was an absolute pleasure and the best part of the process. They were both very professional, yet personable and friendly. If I had a question or concern - they were right on it. I could not be more pleased with the entire process. Thank you to Sam and Brittany!
Reviewed Aug. 24, 2020
I refinanced with Kevin ** from Caliber and my experience was amazing. He was patient with me during this process and made everything simple. Especially during this time of COVID-19. The process was so simple. I only had 1 person to contact face to face and that was the notary to sign the final documents. I would recommend Kevin to anyone and everyone.
Reviewed Aug. 24, 2020
Andy and his team made home buying experience easy and painless. He was always available any time of day to answer questions. He and his team handled all the “leg work”. Because of Andy and his team closing was smooth and pain free.
Reviewed Aug. 24, 2020
Your salesperson, Edward, was a gem. Your financial offer was the best I'd found. Unfortunately, I had to change email addresses in the middle of all this, and that created several problems. The person processing after Edward's work was sending me emails to the old address. Then when all was complete, I wanted to establish an account so I could schedule payments by automatic draft. Because of the new email, I could not establish an account. I ended up talking to two different customer service representatives. We finally got it done. I was surprised that start to finish the project took 5 months. That seemed long. Otherwise, great.
Reviewed Aug. 24, 2020
Nervous at first, we did everything pretty much online, but surprised on how everything work out, I got my questions answers when needed it and Erick ** and all is staff work great together to help me with my purchase. Thank you Caliber.
Reviewed Aug. 24, 2020
Our refinance with Caliber was our second in a year. We were "picked up" by Caliber when our mortgage company dissolved. I began to look to refinance shortly thereafter. They lowered our rate a whole point! Even with the rates dropping because of COVID, and our mailbox and browser being inundated with advertisements of INCREDIBLE NEW RATES...no one has beaten the rate Caliber gave us. The 2 people I spoke to were patient, knowledgeable, and charmingly polite and kind. I DO recommend Caliber to family and friends.
Reviewed Aug. 24, 2020
We reached out and within hours had an answer as to what our options were! We are so grateful for our experiences with Aldo from Caliber Home Loans. He was always honest, efficient and responsive to our inquiries. We will definitely recommend Caliber Home Loans to friends and family. We love being homeowners!
Reviewed Aug. 24, 2020
Everyone was very helpful to accommodate my needs and make the refinancing of my home an easy process. They went out of their way to make sure my needs were met in a timely fashion. I am very thankful to the people at Caliber Home Loan who were able to help during some stressful times.
Reviewed Aug. 18, 2020
Called Kevin ** at Caliber for a refinance to lower my mortgage. He ran my credit 717. He said, "We could definitely get this done"! I paid for an appraisal out my pocket. Sent to final step underwriting. dept. Did not hear anything for weeks. Then out of the blue I get a letter stating that they could not do the refinance. I’m in Illinois. They are out of Texas! I’m out of $350.00 dollars and no refinance. Usually what will happen it is the underwriter will come back and ask if you could do this or that in order to continue the process! But nothing! Went with another company. Refinance finished in a couple of weeks! Never will do business with Caliber in life! Terrible service!
Reviewed Aug. 14, 2020
This lender never returned call, emails, or texts. He did not pay attention to info I shared with him as he always was asking again. I almost lost my new purchase due to funding and last minute changes of needing a $100,000 more 2 days before we closed. He tone was condescending and rude.
Reviewed July 31, 2020
This was my 6th home loan in my lifetime and without a doubt the worst. No communication with me and I wound up getting a call from the title company get to our office right now at 10 AM on a Friday while working. I got there with the certified check for the closing and the Title company said I needed 10,000 more. Was never told this or notified by Caliber what was going on. They charge you 25.00 a month to pay your bill online and will not let you make a payment online for the current day always pushing your payment to a future day forcing you to pay even more in interest. Sleazy group to deal with I can't wait to get rid of them. Would never do business with them again.
Reviewed July 27, 2020
I have requested my closing paperwork for my loan 2-3 times since my loan was approved. I have talked to c/s and requested my final loan packet but so far I have received nothing. I will need this paperwork if and when I sell my home. Hope this will get to somebody to get this done. My phone # is **.
Reviewed July 23, 2020
Worst experience I have ever had with a mortgage lender. I refinance with another company and my loan was sold to Caliber Home Loans. They lost my wire and it was never applied to my loan correctly. It was lost for 50 days until they finally found it and applied it to my loan. The worst part is they took my escrow money and my overpayment of the wire and charged me extra interest on my loan. I was suppose to get a refund but instead they blamed me and the other lender for sending it to the wrong department. I have spent countless hours and time trying to resolve the issue and they keep blaming others for not doing what is right for the customer. I would never recommend Caliber Home Loans to anyone.
They are not honest, as they took my escrow and my overpayment and applied it my loan even though they lost my wire for my mortgage to be paid off in full. One department can't communicate with the other and they seem to not communicate the results as I have been told multiple times it will be resolved. Once you talk with a supervisor you can't even get a call back or a direct email as they don't have one. In 2020, how is it that you can't communicate through a supervisor or any other department with email. They make it so difficult that hopefully they think you will give up. I am very disappointed in their response as I have sent a notice of error regarding my mortgage payment and payoff in full. I am not sure this review will go anywhere but I feel it is my duty to warn other customers of this company and pick a different lender for your mortgage needs.
Reviewed July 22, 2020
I have had the most awful experience with Caliber Home Loans. I applied for a simple cash out refinance March 11th, and it still has not closed July 22nd! When I say simple, I am talking less than a 150k with a appraisal waiver, excellent credit and low debt to income ratio. All we were trying to do is take advantage of the record low rates back in March and payoff the solar panels we added to the home. Caliber started out deceitful by not disclosing the rate we were quoted included points. Then they made promises to waive fees, and discount points but never put them in writing. Then they would send out updated disclosures with changes like adding more points with no conversation, just hoping we sign.
I called and emailed multiple times, I left voice mails, I involved management, and still got nowhere. They ran a second hard inquiry into my credit in July without authorization, and yet here we are. No one can tell me why it's taking this long, no one can give me a solid date for closing. No one has any information at all. I keep checking their website for updates and it keeps locking me out! I am so frustrated. I have given up, we are looking into other lenders. Please beware of this company, their shady business practices and lack of communication.
Reviewed July 19, 2020
Caliber was excellent to work with. Rick and Robert ** in Seattle make everything a breeze! I have been thru the mortgage and also refinance with them. I would recommend them to all my friends and everyone wanting a great team on their side.
Reviewed July 13, 2020
We cannot thank Doug and his team enough for the work on our behalf. They navigated every challenge presented in this unique environment with professionalism and great care. We would recommend Doug and his team to anyone for their lending needs.
Reviewed July 7, 2020
We decided to refinance with rates so low. The process was easy and we were able to do it all from home. This was essential since we have children and with COVID. We were prepared to pay to refinance but actually ended up getting money back. We were pleasantly surprised. Will definitely use them again!
Reviewed July 7, 2020
I had a wonderful experience working with Aimee **, she is friendly, thorough and efficient. Being able to upload documents was a breeze. Aimee kept me informed of each process and had accurate timelines. I definitely would recommend her to my friends and family.
Reviewed July 7, 2020
Chris was the gentleman who I was dealing with and that portion went smooth. He was helpful and very polite. When he was done with his portion the next step, with someone named Elena **, the entire thing fell apart. I got an email from her asking for info, I was unclear on a couple items so I sent her email asking for clarification, not a single email back. I then called her and left voice messages, nothing returned. I emailed Chris back to let him know the process stalled out with her- he told me he would work on it. Again, nothing more from Elena. We decided we had enough and never heard anything till the other day when we got mail stating WE stopped the process. What a crock of crap. IF Elena had done her job and answered emails AND voice mails, then I am sure we would be in a new loan now. Will not suggest using this company.
Reviewed July 6, 2020
I didn't experience any issues with the process. It went off rather smoothly. I would recommend it to a friend. The staff were very friendly and professional. They were able to walk me through the entire process. The whole process went as I was told. It did not take long to complete. Just like I was told the whole thing was done in about 30 days.
Reviewed July 6, 2020
From the first time I called for a quote until the day I closed, I was always kept informed every step of the way. Rebekah ** was always available and willing to answer any questions that I had, and everything was handled very well. Closing costs ended up a bit higher than originally quoted, but still below what other lenders quoted me. And the interest rate couldn't be beat! I'd be very happy to work with Rebekah and Caliber again if I need another home loan in the future.
Reviewed July 6, 2020
We are pleased to give a review of our experience with refinancing our home with Caliber loans. We are quite happy with the refinancing of our home and John ** and his team were great. The loan process was done very quickly and professionally and we would gladly refer your firm to friends and family.
Reviewed July 5, 2020
Phana has answered all my million questions and her team did a fast job on our refinance. On the original purchase It also went pretty quickly especially considering all the added factors I was looking into on the purchase. The online payment system works great, provides a lot of detail about all the charges and I never have trouble using it.
Reviewed July 5, 2020
Caliber was amazing with me. They helped me in all parts of the process informing me at all times of what was going on and giving me options. They were on point and made sure I was doing the right things at the right time! I would recommend anyone to them!
Reviewed July 5, 2020
David ** was very easy to talk to. He answered all of my questions with patience and clarity. Dave handled everything and made the whole experience of refinancing hassle free. He scheduled a loan processor and a closer to work me.
Reviewed July 5, 2020
Everything went smoothly and as expected, especially with COVID! I would have appreciated a little more updates without needing to ask for them, but that may be related to COVID. Otherwise, glad to have worked with this team! Thanks for getting me into my house.
Reviewed July 5, 2020
As first time buyer, I was super pleased with all the attention and help we received. Even in this time of Covid 19, I felt as if I was the most important customer. They are all extremely informative, prompt, professional, patient, and friendly. And they are part of every step of the way even after we purchased our home! We are extremely happy!!
Reviewed July 5, 2020
Our first time ever applying for a loan. The communication between the loan officer was great and the rest of the team. It took a minute but we received our loan which helped us get out of debt. Thank you CALIBER HOMES!!!!
Reviewed July 5, 2020
Scott ** and Michelle ** teamed up to bring us a super experience for our first US buy. I do have one suggestion to support your troops. You should have Armed Forces Europe as a state so that USPS mail can be sent to troops and civilians overseas. Most companies have that, but you don't.... yet.
Reviewed July 5, 2020
I currently have my mortgage with Caliber. My last house was also with Caliber. I closed on my house months ago and still have not received my Escrow account. I was sent a notice that the refund would occur within the required 45 days. After waiting the 45 days, I called the company and was told that the address was incorrect on the first check (which is odd because they have both of my addresses since both mortgages are with them). I was told a new check would be cut and would be with me in 3-4 weeks. And I waited again.
After the 3-4 weeks I called back and was told the check was mailed to and cashed by another mortgage company. I told them I had never heard of the company. They said it was the company with whom I closed on the house. I corrected them and told them the title (and not mortgage) company I used. They put me on hold for about 15 minutes and told me that they had put the wrong customer service ticket on my account. I was told that the second check would have to be voided and that they could then write a third check as soon as a week later and then mail it. I was told that I would have my check within 21 days.
When I asked how this error would have been corrected had I not called, the service representative told me that they don't have anyone who checks accounts. I was told it is my responsibility to catch these mistakes. I told them that this situation was unacceptable and that I'd be moving my remaining mortgage to a new company as soon as the weekend was over.
I asked if there was anyone I could move my complaint to and was transferred to the escalation department, where things got really bad. After being patronized with a lecture on how the US Post Office works and the correct steps to conflict resolution (which was particularly frustrating as I am a college professor who literally teaches courses on conflict management and have written training manuals on customer service), I was told that if I had been a more diligent customer then these problems would not have happened. I was told that there was no possibility that I would be getting my money any sooner. I was also told that accidents happen to businesses but customers are expected to always pay on time or suffer the consequences.
I have put in a total of 4 hours on the phone and waited over 4 months for a check that is legally required to be returned within 45 days. The escalation representative told me that they could care less if I took my business to a new company and that they would "still live their best life." STAY AWAY from this company.
Reviewed July 4, 2020
Everyone that I dealt with (or should I say that dealt with me and my constant questions) was super kind, responsive and knowledgeable! I was able to contact Fran ** every step of the way, which definitely soothes my first-time-homebuyer soul. Tracy ** and Tammy ** were also incredibly helpful throughout the process! I am telling you, I bothered these women to no end with my daily emails and text messages and they were fantastic. My loan got approved & processed ON TIME even though we were dealing with the uncertainties of covid quarantine as well as the unpredictable state grant process! Overall it was a great experience and I would absolutely recommend Caliber!
Reviewed July 4, 2020
Great communication, advice & helpful in every way. Jolene goes out of her way to solve issues where others may just give up. She is a wonderful asset to Caliber Home Loans and any applicant looking to obtain home financing.
Reviewed July 4, 2020
Jennifer did a wonderful job of staying in touch with us during the process and explaining everything long before we had an opportunity to get nervous about things. She is a true professional, always does a great job. We have worked with her several times in the past, and there’s clearly a reason why we keep coming back to her for more lawn work.
Reviewed July 4, 2020
I worked with Helen in the past with another lender, and she came across as a person of reliability and integrity, so when I needed a new mortgage I sought her out. I was 100% correct on my thoughts about Helen. Fantastic service!!!
Reviewed July 3, 2020
Everyone I dealt with was professional and answered all my questions. I didn't have to play phone tag with them and the whole process was smooth. They knew all about using a VA loan, and other local veteran benefits. I would definitely recommend this loan team to my friends.
Reviewed July 3, 2020
The June/July 2020 of the AARP magazine recommended refinancing existing home loans if you could reduce the interest rate by 0.5%. I had already refinanced my 2-yr-old loan with Caliber with a 1.4% reduction in the interest rate. Because I refinanced with the same company, there were savings in the closing costs (yes, there are still closing costs). The result is a break even (recouping the closing costs) in about 16 months. By keeping my actual payment the same as it was, I'll pay it off even quicker.
Reviewed July 3, 2020
Steve ** and his band of Loan Processors, Celena and Kathy, were outstanding! Every deadline was hit and they always responded to any call within a reasonable time. Not once was there a question that wasn't answered promptly, professionally, and courteously! Best experience ever in purchasing a home! I will definitely recommend Caliber Home Loans and Steve ** to any and all who inquire.
Reviewed July 3, 2020
Heidi ** and her team did a fantastic job! All I had to worry about was finding the right place and they took care of the rest. Everything was prompt and they had the patience to work with me. I was a first time home buyer and really didn’t know the first thing about any of it. Heidi and her team were knowledgeable and walked me through the entire process and took the time to make sure I understood everything. So happy to have worked with them. Very streamlined and upfront. The whole process was really effortless on my part thanks to Heidi and her team. I would highly recommend them to anyone!
Reviewed July 3, 2020
During the current economic downturn Caliber Home Loans stayed professional and were easy to work with. I would highly recommend. From start to finish my loan officer went above and beyond to keep me informed with everything going on behind the scene.
Reviewed July 3, 2020
Hugo and his processor were the picture of excellence and professionalism. I’m a little older than the typical home buyer and have bought and sold a few homes in my lifetime. I can immediately determine whether a loan officer is competent and knowledgeable about his business. My stepson and daughter-in-law are getting ready to refinance and I will recommend Hugo **.
Reviewed July 3, 2020
We’re very grateful to own a home and very pleased with the service provided to us. We want to thank Jason for all he did. Specially for believing in us, without his support I don’t know what would of happened.
Reviewed July 3, 2020
I have worked with Mark & his team on a few refinances over the past few years. They are very efficient and make the process really easy. Mark and his team do a great job laying out your options - and helping you make the best decision for yourself. They have tools that show you exactly where you are now and what each respective loan program will do for you and the potential cost or most often - the long term savings you will realize with the loan products they recommend. Highly recommend their services to any person in need of a mortgage or a refinance.
Reviewed July 3, 2020
After a home purchase and a refinance both through Caliber Home Loans, I couldn't be more satisfied with their service. Natalie is highly professional, responds immediately to all her clients' needs and questions. Highly recommended! I would do it again!
Reviewed July 3, 2020
I was very surprised with the attention and follow through this company had. I was very informed every step of the processes and I feel like I had an amazing agent to work with (Paula). My approval process was very fast. My agent helped speak with the seller directly to give the comfortability that I was a good candidate as well.
Reviewed July 3, 2020
Thank you to Leo ** and the Caliber team. Smooth transaction. Very informative and communicative. Honest and got the job done. I have purchased a refinanced my homes through Chase and other banks through the years. This by far was the best experience. Great job Leo and team. Highly recommended!!
Reviewed July 3, 2020
I met the Caliber family exactly 6 years ago when I first purchased. Since, I’ve taken advantage of cash-out refinance options to further improve my home, Reduce interest rates and make it a perfect dream come true. Erin ** and Michelle **’s team have proven repeatedly they are gold caliber. Communication, transparency, expertise and making deadlines have educated me on how this process should go. It’s not my first experience with lenders; 6 years ago I knew I no longer need to look elsewhere for lending needs. I highly recommend Caliber and its family to make your dreams also come true.
Reviewed July 3, 2020
Caliber sent a representative who reviewed the papers and ensured that my wife and I, not only signed, but had a complete understanding of the content. He reviewed each document and left a copy of the entire refinance matter. As a result, the refinance was conclude successfully and accurately.
Reviewed July 3, 2020
My experience with Caliber was as painless and easy as I could have imagined. They handled everything with competence, courtesy, and timeliness. I would recommend them for any mortgage needs. Beverly and her team made it smooth, seamless, and easy. Thank you for the great work you all are doing!
Reviewed July 3, 2020
Caliber is a Very professional informative company. Stephen M, our contact through caliber was very informative and assisting thru the process of buying a home. I would recommend friends and family to go through caliber and use Stephen M to assist their home purchasing process.
Reviewed July 3, 2020
The responsiveness of the Caliber team was nothing short of amazing. Most of the time when I called, Gregg ** picked up, and when he didn't, he called back within minutes. Crystal ** was very thorough and made the process run like clockwork. I highly recommend Caliber!
Reviewed July 3, 2020
Caliber was an extraordinary help to us through our process. As a second time buyer, our loan process on our first house had a few hang ups and moments where we weren't sure where we were at. With this loan, the process was smooth and every step of the way was thoroughly explained and we were kept up to date every time anything changed. Very thorough and always had our best interests in mind, would highly recommend!
Reviewed July 3, 2020
I really enjoyed working with this company. Everyone was very informative and answered every single question I had. Thank you so much. I would definitely recommend this company to any of my family and friends. If you are a first time home buyer or this is your second home Caliber is the way to go.
Reviewed July 3, 2020
I have never had a worse experience with any financial services firm. After 3 months my loan -- a refi, not even a purchase -- never closed. They asked for more and more information, caused endless delays, were nonresponsive and sent incoherent communications. I would avoid this firm or be prepared to spin your wheels for no results.
Reviewed July 1, 2020
DO NOT work with this company if you value your time and money. The sales agent we worked with is unprofessional and unresponsive on closing date, costing us necessary fees and other inconveniences. The firm in general has communication issues between internal departments which delayed the closing. The firm denies any responsibility that they are at fault and charged us a new rate lock-in fee that "can't be waived". We are now paying $900 more to close 3 weeks late. Will never work with this company again.
Reviewed June 17, 2020
Eric and his team are incredible. I have purchased several homes with Caliber being a partner in them and have always had my high expectations that were actually set by Eric, exceeded! The team has always been number one in communication and while I'd say 90% of my experience is flawless, sometimes hurdles pop up, and Caliber flies right over them and provide comfort in what can be a stressful time for some.
Reviewed June 11, 2020
Thank you Caliber! Specifically our loan agent, Elizabeth **. She is very professional and knowledgeable about Caliber's products and the market. We have dealt with Elizabeth before and we are very grateful to her for her guidance. Additionally, everyone involved from our loan application process to settlement were wonderful and pleasant to deal with. Again, thank you Caliber!
Reviewed June 4, 2020
Lack of real assistance re:COVID-19. I have been self employed for 35 yrs. On March 14th my business was shut down due to COVID-19, I had 15 employees. I am an unessential business dependent on customers' discretionary income. KNOWING that I would be one of the last businesses to reopen and one of the last to financially recover, I contacted Caliber almost immediately, anticipating that within a couple of months I would deplete my reserves, and be unable to pay my mortgage. Now mind you I owe approx 90k, & have already paid it off once before, my credit is excellent.
I was told that all they could offer was deferment in which I could skip 2 mos of payments and then pay for all 3 months in the 3rd month- I explained that would not help me at all. I phoned again in April (twice), and again in May as I had heard that Freddie Mac (my loan is Freddie Mac) was offering deferment in which the amount you were unable to pay could simply be tacked onto the end of the loan period.
In April I got the same answer as I had in March-2 mos deferment then pay all 3 mos at once. In May, under the CARES ACT- I was told that I could get a deferment, for 3 mos, then an additional 3 mos for a maximum of 6 (though Freddie Mac's website states 12 mos)- BUT only when I am able to again make the payment will they THEN decide whether or not to simply add the amount owed to the end of my loan, or demand payment in full-THEY ARE UNDER NO OBLIGATION TO ADD THE AMOUNT OWED TO THE TERMS OF MY MORTGAGE- even though I have told them up front that due to the nature of my business I WILL NOT be able to make a large payment- AND IF I CANNOT PAY BY THE END OF THE 6 MOS PERIOD??? "Well we'll see, things are changing constantly".
So - in other words- they defer 6 mos of payments max, not 12, and will only determine whether or not to add the amount due by extending the terms of my current mortgage, ONLY once I am able to pay again by the end of the 6 mos period... I was told they are following the guidelines of the CARES act and their investors, instead of those laid out by Freddie Mac- Additionally, if I apply to refinance, it negates my ability to have any payments deferred. It is one or the other- so if I was turned down for a refi, I would then be unable to defer payments. They do not want you to explore all options to see what may work best for their customers!! Caliber does not care -not even amidst this pandemic!!! Get your mortgage with a bank.Caliber only cares primarily about their investors.... not their customers.
I want to add that from March-May in my communications I was told that Caliber was "waiting" to hear what the Government was doing..I asked if they were independently investigating options for their customers and was told "No"- there ya go. I think that says it all. DO NOT expect anything above and beyond from Caliber folks, no matter how good a customer you are.
Reviewed June 3, 2020
I like to thank Dimitri ** at Caliber Loans. He help make me live the American dream of home ownership. Dimitri was very professional, transparent, honest and patient with me being a 1st time home owner. He explained and walked me through the whole process. He was always accessible. I can't thank him enough for his willingness and trust in working with me during a economic pandemic. Thanks to Dimitri, I am part of the American Dream in a wonderful home and neighborhood. I highly recommend Caliber Loan and loan officer Dimitri **.
Reviewed June 1, 2020
Working with Caliber Home Loans personnel was very easy. We worked closely together and completed my refinance with no issues that could not be resolved. Because of the friendliness and knowledgeable personnel at Caliber Home loans, made it very easy to stay with Caliber.
Reviewed June 1, 2020
Bill ** was awesome to deal with and the entire experience was exceptional. Bill knows his business and was a pleasure to deal with. His team was very professional and all aspects of the process were great. I'm so happy I went with Bill and Caliber since the refinance is saving me money and they were top notch.
Reviewed May 30, 2020
I wish Consumer Affairs would let you rate a place 0 stars. Absolute worst customer service have to chase down anyone to get answers. Start my loan refinance progress on March 2nd. Submit all of the required documents at that time within a few hours. Have to call back to check status on March 23rd. Resubmit some of the same documents again. Moved to Appraisal.
First week of April my appraisal is scheduled completed and moved on. April 12th called to inquire. And asked to submit more documents some of which are the same to a portal this time. April 23rd asked for tax return multiple calls over the previous week to Mark the loan approval. No response. April 24th ask for manager number. Get manger number. Ask for status. No response.
Several more attempts and more of the same documents of the next 4 weeks through until today and told we should get this funded. No follow when requested confirmation that documents are submitted. Gave deadline to company of June 1. Also April 30th letter received stating the loan had to be completed by June 23rd or it's not in Caliber's hands anymore. I have submitted my documentation multiple times for the same request. Updated my notes and gave everything within hours of requests being made. This company is a disaster when dealing with.
**Update 05/22/2020** Company submitted information entered wrong account numbers besides having statement documents with correct number for a credit document to ensure the loan is still being currently paid (current mortgage). Delaying progress further. Somehow telling me my current mortgage is paid in full. **Update 05/29/2020** Got to final approval only to find out that the person who set up the loan has messed up my income and now have to go back. If this isnt completed by June 1 2020 I'm moving on. I have never dealt with such a lazy incompetent set of individuals. If this is what caliber offers I feel sorry for you long term. Absolute disaster.
Reviewed May 29, 2020
Gina was phenomenal to work with! Home buying can be a very stressful process. She was very understanding and helpful! We were able to get regular updates. She made sure when we had hiccups she was very supportive and looked for ways to make it happen.
Reviewed May 29, 2020
I had a wonderful experience because of her. She was helpful and always available to answer any questions. I so appreciated her support and availability. She even helped my parents who live in Saint Simons, Georgia. Their services were met with her as well.
Reviewed May 29, 2020
With Caliber my refi was one of the best I could ever have. The service that I received was top quality bar non. The team that took care of my refi was calm cool and collective. Never any stress in a time of the coronavirus. All communications were topnotch and on time. I have dealt with many finance companies and caliber is topnotch and a company that cares about their customers.
Reviewed May 29, 2020
Very professional with can do attitude and very helpful/co-operative and understanding.with good and efficient communication. I have already recommended to Three of my friends who are looking to buy a house or refinance the existing one. I am very happy with the service, specially with Ms. Pegah **.
Reviewed May 29, 2020
Christian ** and his team at Caliber Home Loans have helped buy my house originally and they also helped refinance it. Both processes were nearly seamless for me. Every step from pre-approval to closing and beyond (refinance) were explained to me in easy understand terms. The Caliber Team, gave me a detailed list of what I needed to provide during both processes. I would recommend Caliber Home Loans to any of my friends or family.
Reviewed May 28, 2020
Ryan ** and Caliber were amazing to work with. We purchased our home with confidence that we were well informed and extremely happy with the excellent customer service we received. Ryan was with us every step of the way, he answered our questions and gave us information to help with our home purchase. I would highly recommend Ryan ** and Caliber.
Reviewed May 28, 2020
I spoke with Gregg ** in February 2020 about the possibility of refinancing. In early March he sent me an email with very low rates listed. I worked closely with Crystal ** for the next month and it couldn't have been easier. My new loan was completed mid April and it's going to save me a ton of money. Caliber is a very professional organization, and very easy to work with.
Reviewed May 28, 2020
Great service and professional treatment was the best service I received from Caliber Loans in a time when service is Non-existent and they worked hard on getting me the best rates. I give them A++ in my book. THANK YOU CALIBER.
Reviewed May 28, 2020
I am very pleased with Caliber. Very easy to pay mortgage on-line. The statements are very easy to read and understand. The people were very nice to work with when we re-mortgaged. I would highly recommend them for re-mortgage or even a mortgage.
Reviewed May 28, 2020
Overall I like Caliber, and 2 of the three loans were smooth as silk. The last one was like caliber forgot what to do and it became a cluster F of a mess. Even the company I was buying the home from was wondering what the problem was. I have another home purchase in the next year and will be looking around for another company.
Reviewed May 28, 2020
Caliber, the best company to work with and the best Agents, Nick ** was my Agent. He's the best, when I called him he took care of me right away, and the results was satisfied! I will definitely recommend him to anyone who needs help on mortgages!
Reviewed May 28, 2020
I would highly recommend Caliber Home Loans and recommend Amy! She made the process very easy and transparent. Everything was explained and spelled out clearly. We even came in below what we estimated! You will be taken care of at Caliber.
Reviewed May 28, 2020
The experience was excellent from beginning to end despite the arrival of the virus shut down about 30% of the way through. Chris ** was an old acquaintance now with Caliber and he was very helpful and supportive. Elizabeth ** was assigned to work up the refinance and did an excellent job. She answered all my and my wife's questions professionally and in a pleasant and helpful manner. Overall very pleased with the results of the effort. Post closing efforts to sell us mortgage insurance have been a bit excessive and somewhat annoying. Expect that is not Caliber but a firm they have licensed. But that is minor given all we accomplished in the refinance.... Lower payment, better interest and some cash out for current needs among other things.... Good product and good people.!!!
Reviewed May 28, 2020
Experience was awesome with everyone from Caliber. I would highly recommend them to anyone looking for a loan. Excellent staff and service. Very efficient use of online application process and information submission. Felt secure throughout the entire process. Thank you for your work.
Reviewed May 27, 2020
My wife and I recently refinanced our home. It was easy to do with our local Caliber representative David **. I would not hesitate recommending Caliber to a friend. The waiting period was 3-4 weeks till approval was given. Our representative did a great job in keeping us abreast of the progress being made.
Reviewed May 27, 2020
Absolutely great group to work with! As a first time home buyer, they walked me through the whole process. Every step of the way they were there, willing to answer whatever questions I had, no matter how small. When it came down to the wire, they saved me from losing the house I wanted. I would highly recommend them!
Reviewed May 27, 2020
Are use Caliber Home Loans to do a VA interest rate reduction loan and couldn’t be happier. They were able to reduce my interest rate from nearly 4% to 3%. The process was so easy and my loan consultant kept me updated through it all. I did it all over the phone and it took virtually no effort. Closed very fast as well, thank you Caliber!!!
Reviewed May 27, 2020
Working with Don ** was a great experience. He made sure to explain every bit of the process. He was available to answer any questions we had and made sure all our paperwork was in order. The loan was locked in and arrangements were made for filing and was done in a timely manner.
Reviewed May 27, 2020
Quick and informative. Kept me abreast of everything while the process was playing out. Quick turn around on the refinance. Representatives were very helpful in getting me the correct information needed for the loan. Thank you very much Caliber Home Loans. Thanks.
Reviewed May 27, 2020
I have used Caliber Home Loans twice for my personal use, and numerous real estate clients I have sent have all had superior experiences... Excellent communication, processes, and every deal has closed on time or early. Outstanding in every way.
Reviewed May 27, 2020
I have worked with Caliber for years with loans and refinancing and I can only say wonderful things about the team. They are so helpful, professional and knowledgeable. They reach out to you when they think they can save you money! They respond quickly to any and all questions and are always so nice!
Reviewed May 27, 2020
I love my mortgage company Caliber Home Loans. They were the only one to give me a chance to have a home. And they have already given me a couple of refi loans to help with some bills. I swear every time I need help or talk to anyone in the company it’s like talking with family.
Reviewed May 27, 2020
Our home loan was processed efficiently and in the stated amount of time. The interest rate did not vary from the original quote and neither did the payment. Both Mr. ** and Ms. ** were courteous and prompt in answering questions and giving information.
Reviewed May 27, 2020
Stephanie has been awesome, exceptional customer service, her and Jason stayed in touch and helped with every question I had, this is the second time have used her services and I highly recommend her to everyone!! Personal, professional and trustworthy!!!! I have definitely made a personal friend.
Reviewed May 27, 2020
Refinanced my loan through Caliber and had an incredibly easy and stress free process thanks to Tim **. He made sure I was aware of all steps and made the process as easy as possible. Highly recommend him and Caliber for home loans and refinancing.
Reviewed May 27, 2020
Sara ** was incredibly helpful and provided excellent customer service every step of the way. The expectations were clear, and she guided me through the process effortlessly. I would highly recommend working with Caliber Home Loans and Sara **. The processor Tina was extremely helpful and pleasant as well.
Reviewed May 27, 2020
Miss Mindy was fantastic and kept me informed daily, Mortgage was very fast and no problem with the virus just starting when we closed, I would highly recommend Mindy, that is in the market for a Mortgage. Thanks again. Douglas
Reviewed May 27, 2020
I was first very nervous going into buying a house but Wendi and her team were absolutely amazing!! They were fast and efficient with the whole process. Would recommend to anyone. :) I am so glad that I went with Caliber Loans!
Reviewed May 27, 2020
My refi has been a wonderful experience all along the way. Dion was knowledgeable and courteous which made the process easy. Because of this, I plan to use Caliber in the future. Everyone has been super helpful. Also, your appraiser really stood out with his knowledge of Portland. Thank your entire team for being so competent.
Reviewed May 27, 2020
We have done an initial mortgage and recently a refinance with Caliber. No problems, easy to work with and always quick to respond to any questions or concerns. I will recommend them to anyone interested and hope to work with them in the future with any investment properties.
Reviewed May 27, 2020
The assistance and coordination between Caliber Home Loans and our Real Estate Agent was impeccable. We are stationed overseas but working with them made it easy and not as complicated as I would have thought. I have told co-workers about the great customer service and rates and they have also asked to have Caliber reach out to them for re-financing.
Reviewed May 27, 2020
Excellent customer service. I really felt like everyone on the team cared about my family. As a result, I will be a lifelong client... no doubt about it. Thank you to everyone on the team! I appreciate you all and will continue to recommend Caliber to friends and family.
Reviewed May 27, 2020
I was a 1st time home buyer and the process seemed scary and daunting. I was assigned a team that worked hard, they answered all of my questions, were quick to return emails and I've gotten follow up calls after I moved. I was well taken care of and moved into my dream home, April 2020, Brand new construction. Also, I appreciate their honesty and ethics, for example, my interest DROPPED three time before I locked in, I like how they let me know instead of letting me go with the higher rate, that saved me an additional $250 a month off of my mortgage. I never thought I'd been a homeowner but I am, thanks to Caliber.
Reviewed May 27, 2020
This is the second house that we have purchased and we have been through numerous lenders for various reasons. When our realtor told us to reach out to Matt **' team at Caliber, I decided to do so and I couldn't have been happier. From our first call, he was 100% honest, clear, and reliable, even in the middle of the COVID pandemic. I don't plan on moving, but if I did, He and his team would be the first people I would contact. Like, really good.
Reviewed May 27, 2020
I have had the pleasure of working with Matt ** and Caliber Home Loans for the past 7 years. In that time we have refinanced a couple of times and each time Matt makes sure it makes sense for my family. He really cares and it shows. Thanks!!
Reviewed May 27, 2020
I have bought several houses in the past 30 years and refinanced each at least twice. Tom ** was the best. He was fast, complete, and thorough. Everything went without a hitch and the re-fi was completed in half the time of any previous re-fi I have ever done.
Reviewed May 27, 2020
Investment Property Mortgage. I was looking forward to working with Caliber Homes based on strong recommendations from investor friends. They didn't disappoint! The preapproval process was painless, working through the underwriting - even during the COVID meltdown - was easy and straightforward. I would definitely use them again!
Reviewed May 27, 2020
I was happy of the service provided, I was treated professionally. I was informed of what steps I needed to take on the process of purchasing a home. Only drawback is, my account was sold to another loan company that I did not have interactions with. Other than that I was satisfied.
Reviewed May 27, 2020
I used Caliber Home Loans for my initial mortgage loan and have also refinanced twice through Caliber. Everything went flawlessly and I have zero complaints whatsoever. They are very helpful to answer any questions, and make sure the necessary steps happen in a timely fashion. I highly recommend using Caliber Home Loans.
Reviewed May 27, 2020
Caliber is the upper class when it comes to home loans. We have moved into 5 different states and Caliber is by far the best place we have ever worked with. I have recommended them to multiple friends to use in the future. They are the best, hands down.
Reviewed May 27, 2020
Even during a pandemic Caliber was there to refinance our home for the second time. We love that we get to close from the comfort of our own home and initial out of pocket expenses are minimal. The fees in the loan are a little higher but maybe the price you pay for easy streamlined service.
Reviewed May 27, 2020
In a difficult time, Caliber was very responsive, competent, professional. What should have been a easy, straightforward refinance process, turned out to be complicated, not at any fault or lacking of Caliber. Caliber stuck with it, spent a great deal of time with me, always professional and competent, and finalized the refinance successfully. I appreciate them.
Reviewed May 23, 2020
I originally refinanced my mortgage with FIRST SAVINGS BANK. They immediately sold it to Caliber Home Loans, Inc. but sent the incorrect paperwork. The escrow charged by Caliber for property tax was too high. I immediately began trying to contact them to correct this since early February, first by their website, then numerous times by telephone with no results. I was finally able to get a name and telephone number from my contact at First Savings Bank. He was very courteous and over numerous phone calls explained the problem and told me what was wrong. I provided the correct information and eventually Caliber changed the escrow to include NO property tax. I called my contact in early April and emailed a copy of my last year property tax forms. As of today the error is still there and I have received no personal contact back since early April. It appears to me that Caliber does not have a functional Customer Service department.
Reviewed May 23, 2020
I was introduced to Ashley ** by a mutual connection. Once I explained to Ashley what we were looking to accomplish she got working. We were fortunate to start the re-fi process and lock in a low rate before the rates increased. From start to finish the entire staff we interacted with at Caliber was professional and fast!
Reviewed May 22, 2020
To start by explaining me. I am a retired military vet. I have an outstanding credit score of well over 800. I make very good money which is over $1500 a week after taxes. I work for the largest company in the world in my field and have been here 10 years with no chance of ever slowing down because everyone needs us.
Ok since I gave you a bit of information about me let me explain. I came to Caliber after I had applied with another company and worked with them for about 100 days and in the end they told me that my job was unstable so they could not approve my loan. I was introduced to caliber by my realtor. Which was great because I was in a crunch to purchase me home since it took so long with Veterans United. After I contacted veterans united and told them to fax my file to caliber. afterwards it took 3 days and I was ready to close on my house.
I was told my interest rate was 3.5%. When I arrived to close I noticed the rate was 4.62%. When I said something I was told it had went up 2 days ago. Now mind you no one mentioned anything about this to me and in fact did not even tell me the day I arrived to close. I found this. I was in crunch so I signed it because I was thankful that they approved me so quickly. I felt I had a loyalty to caliber for helping me out getting my home.
2 years later I heard interest rates had dropped to an all time low. So I Contacted my loan agent Carl ** and he informed me it had dropped .02% so mine would be 4.6% and would not make a difference. I contacted my bank and they worked the numbers and my payment would only drop $6 so it was not worth the additional fees I would pay. I waited 6 months and called Carl again and was informed there was no change and he would let me know if there was. I called my military bank again the same day and was told I could get my interest rate to drop to 2.5% which would save me close to $300 a month in payment.
I called Carl back to give him this information to see if they would work with me on this. He told me flat out NO. He would let me know when they could drop my rate. I hung up and started my refi with my bank. They ran my credit and had me approved in 20 mins. They also requested a payoff from caliber the very same day.
Once they requested the payoff everything went downhill with caliber. They charged me $5 a page that they faxed to the bank. (I have 3 bank accounts with 3 different banks) I asked them all if they charge for a payoff request and none of them do. 3 days and 5 days later I noticed they had charged me again for a payoff requested. I called them and asked who requested it. They gave me 2 names from the request. I called to complain and was told they had no one by those names working for them. So Caliber charged me just because. A month later they requested another payoff just to finish my file which I knew about.
My app stopped working where I couldn't check my payments or anything else. I felt caliber lied to me about interest rates to make as much money off of me as possible. WHEN I checked with the other banks they could all also drop interest rates much lower than what caliber was charging me. They didn't even try to work with me. Then when my new bank went to pay off my account caliber tacked on more charges and interest close to $1800 more. They all of a sudden did not pay my yearly insurance payment and tried to put their own insurance on my house. When my insurance company sent them a notice stating I always had insurance. By the way the insurance is USAA.
Then I was told that I would be charged for the days from when they say my insurance lapsed until my company notified them. At which time I got tired of messing with them. I told them if they bill me I would contact my attorney. Only then did they say they would do me a favor and not bill me for the days they carried me. Which they never did carry my. When I asked when I would get my escrow money back that they were collecting from my payment. I was told they have to send it after 21 days once the loan was paid off but may not get to me before 60 or 90 days. When I asked my other banks they all said I should have money back within 28 days at the latest. But we will see. I have a feeling caliber is going to hold my money as long as possible. As a punishment for leaving them after I gave them plenty of chances to work with me.
Reviewed May 19, 2020
One of the worse Loan companies out there. Do not fall in their trap. A quick pre-approval and after that three months later, here I am reaching them every day to know the status of my loan application and there is no response to emails or phone calls. All I reach is voicemails and I have to escalate every single time to get a hold of someone. I wish I hadn't wasted so much time with them. My original loan was transferred to them via my bank and I just wish they hadn't. What a shame and they are playing with people's lives.
Reviewed May 16, 2020
Adam ** is by far the best mortgage rep I have worked with and I will continue to work with him and continue to refer him to all friends and family. He just gets the job done. No need to go elsewhere.
Reviewed May 15, 2020
After 12 months on a home loan with Caliber, they sent me a notice that my payment would increase by almost $1000/month. My research revealed that the tax department had added two additional lots to the mortgage since they were all in my name. The other lots had different legal descriptions and were not on the mortgage. Caliber's tax department had decided to include them contrary to the mortgage contract. These added lots, were finally removed after Caliber 'did their own research'. The people are polite, but no one would admit why they had added properties not on the loan or how their policies would allow this action.
Reviewed May 15, 2020
They tailor according to the need of the client and explain all the necessary steps. Matt at the Albuquerque office is good at his job and explains and answers all the questions. It was a wonderful experience overall. Could not have been better.
Reviewed May 14, 2020
Shan ** in the Caliber Home Loans office in Chico CA is the best. She is informative, efficient, thorough, and she truly cares about her clients. I am completely confident that she is looking out for my best interests. This kind of customer service is rare and I personally find it refreshing. Thank you. :)
Reviewed May 13, 2020
Caliber Home Loans provided us with excellent service from initial screening through final paperwork and settlement. Everyone we needed to speak with promptly responded and gave us solid support throughout the process. They made sure we were comfortable and confident with the process. Very happy with this company and highly recommend Caliber.
Reviewed May 13, 2020
They were great. I had bad experience with Rocket/Quicken and Caliber sweep in and had me approved in 10 days. My realtor said it was the easiest sale he ever seen. I been handing out their number to everyone. **
Reviewed May 13, 2020
Most of us know how stressful it is to sell and buy a home. One of the greatest stressors is the financial side. Mike ** and his team made my process as easy as it could be possible. I have a particular shout-out to Ibis who was there for me every step of the way.
Reviewed May 12, 2020
I Love this team. Fidan ** is fantastic. Highly recommended. I have bought 2 homes in the last 2 years and used her for both. Would return for this service for years to come. Everything went smoothly and the closing went without a hitch even though I was not even in the state.
Reviewed May 12, 2020
Shalise ** executes my Caliber loan in record time. She was straightforward, kind, supportive and answered all my questions. My rate was lower than I initially expected. My overall experience was terrific. I highly recommend Shalise ** and Caliber Loans.
Reviewed May 12, 2020
My positive experience was largely driven my my mortgage broker whose approach to the preparation and construction of my loan was high touch and thoughtful. We really felt like it was a collaboration between him and us; and uber professional the whole time. You would have gotten a 5th star if your tech had been as solid and useful as my broker! I hope upgrading your web inputs will be a focal area of your next round of system improvements.
Reviewed May 12, 2020
My experience with Caliber Loans was better then I expected. Renato was very helpful and hardworking. He really did a great job helping me get my loan back on track. Renato was informative and he made sure to keep in contact with me. I would recommend Caliber Loans before I recommend Quicken Loans. Quicken Loans was very, very terrible and horrific.
Reviewed May 12, 2020
Greg ** is above and beyond! His team works quickly and the customer service is unparalleled. We have used Greg for several loans across several banks and the experience has been the same great service every single time. His Caliber team was excellent to work with as well.
Reviewed May 12, 2020
Caliber Loans never ceases to amaze me. Always professional and timely in their service, they provide great financing rates and accurate loan disclosures. I highly recommend them to any veteran or a family member seeking to apply for or REFI a VA loan.
Reviewed May 12, 2020
I recently made a mortgage payment using incorrect account information. Prior to payment being processed I notified Caliber of my mistake. I made a payment using the correct account information. I was still charged a $25 fee for NSF. I will not being doing business with Caliber for any future needs. Furthermore, Caliber will never receive my recommendation.
Reviewed May 12, 2020
As with anything, there tend to be a misunderstanding at times but anything I wasn't happy about or any questions I had I was treated with respect. My questions were answered and everyone was eager to make sure my experience was great.
Reviewed May 12, 2020
Caliber financed and refinanced my home to reduce my mortgage payment. The process was easy and there was a lot of clear communications throughout the process. The process was completed in less than 30 days. It was an excellent experience that was thorough and professional.
Reviewed May 12, 2020
Tracy, James **, and the rest of their team made the process so amazing. Providing me with tons of information and displaying patients with signing the DOCs. These players in my purchased went above and beyond. I am grateful and delighted to work with them.
Reviewed May 12, 2020
I would highly recommend Caliber Loan to anyone looking to buy a home especially a first time buyer. Michelle and her team walked me through step by step and helped me understand what I was to expect with all the paperwork and signing.
Reviewed May 12, 2020
I have been a customer of Caliber Home Loans for over five years. I have always been treated with honesty and respect on any subject I may questions on. I recently refinance my VA loan for a lower rate and was happy I did. The refinance took less than 60 days, which quick for a VA loan. My loan officer and processing rep were fantastic and kept me informed almost daily on the loan progress and if any other paperwork was required. I have my payment deducted automatically from my checking account with no problems with service for over five years. I recommend Caliber Home Loans to everyone. Their customer goes above and beyond.
Reviewed May 12, 2020
It was a pleasure doing our home loan with Caliber. I heard and received professional decisions and details on making this loan. My husband (Kenneth **) we are very satisfied with the decision to do the loan. Keep the good attitude and professional going.
Reviewed May 12, 2020
Alyisa ** did an excellent job helping me refinance my home. She was always available to speak if I had a question or if she needed something from me. Even followed up with me after everything was done. Great Job!!!!
Reviewed May 12, 2020
Ben ** and his team provided us with a smooth process from start to finish with our mortgage. We were able to do almost all the transactions from the comfort of our home. Their professionalism paired with their friendliness just made what could’ve been a stressful evolution simple and easy. Ben ** and his team were always available to answers questions and provided exceptional guidance through the loan process. Caliber Loans also does not sell your home loan which was a big plus for is. We used a VA loan and Ben was an expert with the process. I would highly recommend Caliber Home loans.
Reviewed May 12, 2020
My husband and I have a great experience using Caliber to purchase our first home. They were extremely professional and thorough while guiding us through the whole process step by step. Closing was a quick and simple! We would definitely recommend to anyone looking to purchase or sell a home.
Reviewed May 12, 2020
I was very pleased with our experience. Ryan ** went above and beyond to help us with our refinance. He was always quick to respond to my messages and concerns from start to closing. I love that there is an app to make my payment. I have recommended Caliber to friends and will continue to.
Reviewed May 12, 2020
Thank you Caliber for all that you helped us achieve to close on our dream home during this very interesting time. My wife and I were pleased throughout the process; it was transparent each step of the way, extremely responsive, and flexible to help move up our timeline to close ahead of state lockdowns. Thank you so much!
Reviewed May 12, 2020
This experience could not have gone any easier. There was constant communication and nothing was a surprise. Any question I had was answered immediately! Highly recommend this team! Thanks, Shawna for always being professional and excellent. Your 'job' is not just a job to you, it is your passion and it shines through!
Reviewed May 12, 2020
The wonderful people we worked with during our first home buying experience made us feel so confident in every decision we made by making sure we had all of the details and options in right front of us at all times. Hope and Alli were so helpful and quick to address our questions and concerns. We are so glad our realtor recommended Hope and I look forward to working with her for any future home buying excursions!
Reviewed May 12, 2020
We had a great experience with Kyle and Caliber Home Loans! They took a complicated situation and made the process seamless for us. Highly recommend Kyle and his staff for any circumstance you have - we are so thankful we found them!
Reviewed May 12, 2020
No Humans to answer phone. Always current, have never needed to speak to Caliber but a few times in years. I created this CA account only to say that Caliber Home Loans is the hardest company in the world to reach a human!!!!
Reviewed May 12, 2020
My experience with Caliber Home Loans went so smooth when refinancing my rental property that I called them back and refinanced my home! I have owned property and dealt with mortgage banks for the last 40 years. This was the best company I've dealt with. Agent Ryan ** always called me back, answered all of my questions and treated me like family. I will never deal with big banks again.
Reviewed May 12, 2020
Excellent experience in securing a mortgage on our new home. From initial conversation to final paperwork the process was timely and seamless.... In the future I will look to Caliber Home Loans for any home financing needs and I would be comfortable recommending Caliber to a friend.
Reviewed May 12, 2020
I originally worked with Caliber back in 2018 when I purchased my home. They were hands on from day one. They communicated on a consistent basis and kept me updated on timelines and where my loan was in the process. Anytime I had a question or concern they were prompt in responding and getting the answers. The buying process was easy and seamless. I recently refinanced with Caliber and again their service and communication is above standards. I will use them and recommend them time and time again. You will not find a better group of people to take care of your home buying needs. Seamless, stress free, and hands on. I worked with Alexa ** and her team both times and they by far are the best!
Reviewed May 12, 2020
5 Stars across the board... Not only helped and made it possible to purchase my first house but also contacted me about refinancing to lower the monthly mortgage... Very professional and fast with everything plus providing me with the knowledge I was lacking.
Reviewed May 12, 2020
I don’t know where to start! But I give 10 stars to Chris **, Lisa ** for helping me through the process. It was well worth the stress and they kept me motivated through the process of helping me close on my home. I salute them for working as a team to make this a successful home buying experience for me. I couldn’t of been happier and more excited to hear Lisa say, "You are clear to close". That was the happiest day of 2020 for me. Even Holly she was great in helping me and the whole team. I truly thank you from the heart. Claire ** my realtor was awesome. They all worked hard with me and for me and I truly appreciate you all and thank you so so much. May God bless you all!!! Caliber Home Loans is the way to go to get a excellent job done!!!
Reviewed May 12, 2020
Our original mortgage was through Caliber and that was an excellent experience. When it was time to refinance we reached out to Caliber and they had the best offer. Service was exceptional and Steve ** was a professional. He walked us through it and made it a smooth process.
Reviewed May 12, 2020
The entire home buying experience was Amazing due to the quality effort that Caliber Home loans gave. The aspects of home buying is hard however this process was great Because of Rick and his team. I am a first time homebuyer and they gave me the tools to successfully conduct this purchase. I Highly recommend Caliber Home Loans.
Reviewed May 12, 2020
Scott was great in helping us with the loan. He walked us through the process and made sure everything was correct. Scott kept us updated throughout the process. This made the loan process easy. I would recommend Scott and Caliber Home Loans to friends and family.
Reviewed May 12, 2020
The process for obtaining a mortgage for a new home purchase was seamless. The representatives from Caliber were very informative and I noticed some even worked later hours and responded to e-mails after hours to questions we had which was not expected. We closed on time. Our mortgage had a recasting option which also has been going smoothly. Thank you!
Reviewed May 12, 2020
Refinance home loan. We worked with Paul **, who we’ve known for years. He has always taken good care of our needs, and made the process smooth and quick! Great communication throughout the process. Highly recommend Paul for any mortgage finance needs! He’s professional, friendly, and does a great job!
Reviewed May 12, 2020
Yes I would refer a friend. My process was smooth and stress free. The people was so patient and kind to me and helped me in every way they could. They made sure I got the home I wanted and was stress free.
Reviewed May 12, 2020
Hi. Experience with Caliber Home Loans was great because of the expertise of Richard **. I refinanced with caliber for that reason after one year, however caliber then sold my loan, Which I did not appreciate. Otherwise, I thought they did a good job.
Reviewed May 12, 2020
The entire process was made very easy by the very knowledgeable, and patient, agent. I will highly recommend this agent and the company any time without reservations. If you feel that you need to contact me, you can do it any time.
Reviewed May 12, 2020
This company is great. I highly recommend them to anyone looking to buy a home. They made the process simple and easy and got it done in the timeframe we asked for. We were using Helen ** and she was the best. She continuously kept us updated on any changes and answered our questions quickly and in ways we could understand as first time home buyers. Would definitely use them again.
Reviewed May 12, 2020
This is my third time using Caliber, and third time working with Sal ** and team. Two purchases and a refi- and I wouldn’t go to anyone else. He responds almost immediately, Ashley ** is just as timely and nice. I definitely would recommend Caliber- and them specifically- for all home loan needs.
Reviewed May 12, 2020
Caliber have been amazing, very professionals and care about my loan very much, I am please in doing business with Caliber, they work very hard to accomplish my dreams, each one of the Caliber team contact me during the entire process. Thank you guys!
Reviewed May 12, 2020
This is my 3rd Personal mortgage with Caliber and I will always use and recommend them. I have worked with Marty ** and also referred clients to him when I was a real estate agent. Not one time has there been an issue, delay or problem that wasn’t resolved without missing our deadlines. What is needed is laid out clearly and concisely to eliminate a lot of back and forth. This last time the closer even came to my house! Great company, great agent in Marty and great rates.... The trifecta!!!
Reviewed May 12, 2020
The service is perfect. Fast and professional assistants. I got the best loan on the short time. Interest is an affordable. I got the house for a while and I’m really enjoying the my new house. I was pleasured to work with Caliber company.
Reviewed May 12, 2020
Darlene ** was professional and friendly. The process was easy and smooth. Darlene kept us updated throughout the whole process and answered any questions we had. We are very happy with the service provided and would recommend Darlene and Caliber Home.
Reviewed May 12, 2020
As you know a company is only as good as its employees. We're lucky enough to have worked with Brady **. His straightforward approach and knowledge of the market helped us land the perfect loan for our situation. We highly recommend Brady ** and Caliber Home Loans for you next loan. Ted and Annie **.
Reviewed May 12, 2020
This the best experience and very insight on all my questions. Mrs. ** WAS THE BEST ALONG WITH HER TEAM. I have share my experiences with family and friends that this will best way to own a new home. Again want to that the whole team for help buy my first house. This one of my goal for this year. I look forward to seeing other friends and family do the same.
Reviewed May 12, 2020
Steve ** and his team (Celena ** and Kathy **) were awesome! They helped me track down the right information to make purchasing my new home a breeze! I would highly recommend Steve and his team for home purchases. Thank you!!!
Reviewed May 12, 2020
So far I'm very happy, everyone has been polite and very helpful and made the process easier then I was used to. Can't ask for more. Thank you, especially to Jaclyn **. Now all I need to do is get rid of the PMI.
Reviewed May 12, 2020
Fantastic company to work with and I am very satisfied with all avenues of their customer service. My Loan Consultant Matt ** is a rock star!! He made everything as easy as it can be. I highly recommend Caliber Home Loans and make sure you ask for Matt **.
Reviewed May 12, 2020
I could not have been happier with the knowledge, customer care and follow through when obtaining my Caliber loans. I appreciate both JP ** and Michael ** for their service! I will stay with Caliber Loans as long as they are a part of the process!
Reviewed May 12, 2020
We had a wonderful experience and would have anyone we know go through Caliber Home Loans' enjoyable and fast no hassle. We closed within a month time. I would call with questions and they would always get right back with me if they didn’t answer the phone the first call.
Reviewed May 11, 2020
I got my first home loan with Gerry ** and his assistant Debbie **. They were quick, kind, and clear. They made the process understandable for me and helped me secure funds for a downpayment. Gerry was recommended to me and I will recommend him and Caliber to anyone that needs a home loan.
Reviewed May 4, 2020
Our mortgage was transferred from a different lender and we have been very good with our payments for since we first with Caliber. However, my overall experience has been very disappointed of lately. I sent out 2 emails (since Feb and now it's May) requesting for assistance which up to date, never get any respond.
Today, I made a call and was able to speak to a live person. However, after telling the agent of my request, I was flat out DENIED. They cannot make any changes to my 1098 form. No other assistance is being offered or any kind of resolution. So with that being said, I am VERY disappointed, it gave me all the reason to actually take advantage of refinancing with another mortgage company who is offering better service and a better APR rate. Caliber is NOT doing anything for me and what a way to lose a customer!!! Rest assured I will not be recommending Caliber to anyone else.
Reviewed April 22, 2020
Started in Jan, two closing dates passed with nothing. Late April denied due to Covid (should have closed in Feb). 3 months and I had to initiate every conversation and action. They dropped the ball again and again, didn't communicate, wouldn't return calls or emails. Save the headache and the stress, go elsewhere.
Reviewed April 21, 2020
Bait and switch technique. I do have a mortgage with Caliber Home Loans. Late summer last year, I received few offers about "no closing cost" refinance with Caliber Home Loans. The initial quote was rather attractive; although, there were always closing costs (about $3,600) such a title fees and so on. The offer was documented as preliminary. Once pre-approval was over, I received a document from underwriter with about 15 different conditions or stipulations that required me to sign and agree. The document listed over $6,000 in closing fees. The offer was good for 60 days and I was not too concerned about the conditions they imposed, but rather about the increased in closing cost. I did not sign the document.
An agent reached out to me and asked if I had any questions. I said "No, I do not have any questions." She then said "well since everything is in order we need to received from you the document signed." I said "No, I am not agreeing to pay higher closing cost than previously documented. She then mentioned they were noting my objection (whatever that meant). Towards the mid-term of the 60 days, I yet received a new document for me to sign with closing cost of over $9,000 and same conditions that were previously presented. I did not sign the document. At the end of the 60 days, I received another document for me to sign and the closing cost was over $11,000. Again, I did not sign the document.
In the end another agent called me and asked me the reason for me not signing document. I explained everything and I was very clear that they tricked me with the initial no cost, to a then low cost, and then a higher cost, and then another higher cost, and lastly a huge or high closing cost. He said he was going to note that and close the application. I said "Caliber Home Loans cannot forced me to sign something I am not in agreement." That was the end of the call.
They documented this transaction as if I was the one who retracted my request as opposed to me objecting their closing costs. Why do they think we are idiots? Each set of documents they sent me to sign was evidence of what their intentions were. As I said earlier, I do have a mortgage with Caliber Home Loans, but I am going to get a refinance loan from another financial institution. This review is here to stay and there is nothing they could say or do for me to remove this. Good luck with this bad review.
Reviewed April 14, 2020
We are currently dealing with a Pandemic known as COVID-19, therefore a lot of people are unemployed and I am one of those people. I work in the restaurant industry and have unwillingly been laid off for more than a month now with unforeseeable return. Given these circumstances, I decided to reach out to Caliber Homes to enter the Forbearance Plan since I obviously cannot afford my month mortgage payments in which I was accepted for a 3-month deference. HOWEVER, I READ THE FINE PRINT. Their policy is that once the 3-month deference period ended I IMMEDIATELY have to pay back the 3-months mortgage. Please tell me how this makes sense!
I was not looking to never make these payments. What I need for this plan to be helpful is a mortgage term adjustment, to add an extra 3 months to the term. I was told that was not possible and that I do not get to choose when I get to pay this amount back. I know plenty of other mortgage companies who have agreed to this because it is the only logical thing to do in a time like this. This company only cares about money and has zero regard for their customers who are truly suffering from this Pandemic. So, please think twice before deciding to use this mortgage company because not even a Pandemic will convince them to help you with your mortgage. What horrible morals and ethics!

Hello, Caliber is committed to keeping families in their homes. At the end of your forbearance period there may be other assistance options available to you. Please visit https://caliberhomeloans.com/tools-resources/faqs for information regarding COVID-19 assistance.
Reviewed April 2, 2020
During the coronavirus pandemic I called Caliber to request help with my home loan. They offered to postpone my payments for 3 months BUT at the end of 3 months all of the postponed payments would be due with interest. So for most people that would be about 3 thousand dollars. When you have just lost your income that would put most at more of a financial burden at the end of the pandemic. How is this going to help their clients. I feel there is underlying corruption at play within this company. My recommendation is stay away from this company.
Reviewed March 31, 2020
I was referred to Caliber by my mediator during my divorce proceedings. Received a quick preapproval by luck of hard earned credit score. After that everything went sour. There were several employees handling my refinance and many documents were lost. I am not accustomed to email correspondence so there was no telephone contact ever. No one ever answered the phone; always voicemail. I don't check email regularly so when I did check it it was untimely. Somewhere in the process I may have agreed to email communication inadvertently during a very stressful time of my life. Just like other reviews read the left hand never talked to the right. Completely horrific experience adding insult to injury during an already painful financially difficult time.
Reviewed March 30, 2020
After getting a Pre-approval letter from the loan officer (David **) and getting all the information needed to him over a month, and him saying all is good, Having the appraisal and home inspection the day before the loan was to close the underwriter denied the loan. We found out later that the underwriter couldn't believe that my wife who's a nurse works 40 hrs a week even with her paystubs and a employment verification from her employer, because her daughter who's a nurse only works 36 hrs! So she stated that the DTI was too high? I'm a veteran and if this is the way they treat our country's veterans they should be able to work with the department of veteran affairs!

I'm sorry to hear you have had a bad experience. Caliber works hard to ensure that all of our clients receive the best service and enjoy an individual experience. Our apologies once again.
Reviewed March 29, 2020
Incredibly I called Caliber today to inquire about an extension on our monthly payments to help us maneuver through this difficult time. They offer to give us 3 months extension but at the end of these three months we have to pay the three missed payments all together, really? What kind of help is that? My husband and I are not woking. There many people with mortgages and their banks are going above and beyond to help in this situation, you need to come up with a better solution and help your customers. We really appreciate your assistance through this pandemic crisis that we are all going through. This is not fair to us.

Hello, Caliber is committed to keeping families in their homes. At the end of your forbearance period there may be other options that will be available to you. Please visit https://caliberhomeloans.com/tools-resources/faqs for information regarding COVID-19 assistance
Reviewed March 19, 2020
Our family bought our second home a year ago and we went straight back to Caliber Home loans which carried our first home. Recently we did a refinance and worked with Tim ** in their Santa Barbara office for the second time. Tim is so wonderful and says things like "Happy Monday" all the time and he has made all our days happy by working so close with us to get the best finance rates for our home. He and his staff are readily available and so fast and efficient in their work. We are so, so pleased and thankful for such professionals.
Reviewed March 18, 2020
This has been the worst, most stressful experience I have ever dealt with. Their representatives lied to me over and over, giving me misinformation when I was going through a hardship, causing me to have a late payment, which is what I was trying to avoid in the first place. They admitted to giving me misinformation, but still did nothing to correct the issue. Their customer service is extremely rude, and the right hand doesn’t know what the left hand is doing. At a later date, their representative text me about a VA streamline refinance, and we went through all of the steps, until they cancelled it on me the day before closing, because I had a late payment, which was caused by their misinformation. I have voicemails from them congratulating me for my approval, yet they didn’t finish the deal.
Be careful with anything they say to you because it could be misinformation. Save yourself the headache and don’t deal with them. I have reported them to the VA and the state. I’m waiting for my credit to get fixed from having the late payment that they caused, so I can refinance with a different company who actually appreciates me as a Veteran and appreciates my business, so I never have to deal with Caliber Home Loans again.
Reviewed March 13, 2020
My experience with Caliber was great. I've been through the process of obtaining a mortgage so I know it can be nerve wracking. Communication is key and they were on it. They were clear and precise with documents and call back numbers. The process was very smooth and quick.
Reviewed March 11, 2020
I had a loan with Caliber that was sold to Chase Bank. On accident my automatic bill payment paid Caliber instead of Chase. It has been 3 months, I have been calling, emailing and faxing them daily and can not get a response on where my money is, how to get it refunded and the reps on the customer service line will not let me speak with a manager. I am in the process of re-financing and have told my load officer I do not want to use Caliber bc of this situation. STAY AWAY!
Reviewed March 7, 2020
Dustin ** team was outstanding in the handling of our refinance! After we contacted. Dustin his team leaped into action, setting up an appointment, running our credit and providing a portal to upload information. This was very easy to use and made our appointment with Dustin very productive. The rest of the process went very smooth and the loan funded as quick as we needed. I would highly recommend Dustin and his team, for their personable and professional approach.
Reviewed Feb. 28, 2020
Loan officer was very helpful, responsive, and patient. Application experience was mostly digital and fast. Loan products are great with payment recast option for a minimal fee - provides comfort in knowing that servicing will stay with Caliber and won't be transferred multiple times. Online account management is good.
Reviewed Feb. 25, 2020
We are in the process of refinancing our home and were considering multiple lenders to find the best rate for our refinance. We began at our home bank, but were referred to Caliber by a trusted friend in order to get a second quote. It started off well. The loan officer at Caliber was quick to respond and was very helpful in filling out the required paper work. We were upfront with him the entire time, making it clear that we were comparing multiple quotes to find the lowest rate. At the end of the day, our home bank, who we already had our mortgage with, was able to provide a better rate.
At this point, the relationship with Caliber went south quickly. The loan officer would not take NO for an answer. After informing him that we would be sticking with our bank, we were hounded with multiple emails a day for several days promising lower rates if we would re-consider. It is my understanding that "shopping around" is a very common practice, but this company acted as though we had wronged them in the worst kind of way. When we requested that they send our appraisal to our home bank to save us from having to order another appraisal, they flat out refused. They said we wasted their time and that they don't "have to" release the appraisal.
Rather than being happy for our family, they acted out of spite, which will cost us another $500 for a second appraisal. This company is spiteful and unprofessional and I would not recommend using this company if you are "shopping around" because they clearly cannot handle being told "no". We are very disappointed that a business in this line of work would act this spiteful and immature when a customer makes the decision to go with another lender.
Reviewed Feb. 25, 2020
First problem is I requested my monthly automatic payment and it was rejected due to an incorrect routing number. I unsuccessfully attempted 3 or 4 times to correct this by phone (their phone tree stinks) and was finally told it couldn't be done by phone. Caliber refused to pay my insurance balance at closing. They were billed repeatedly by my insurance company. I finally received the bill for $112.58 and had to pay it. Not a great way to do business. The only positive experience was working with my loan consultant, Amie **.
Reviewed Feb. 24, 2020
I am grateful for wonderful service I was given throughout the loan process and beyond. You have all been so very helpful. Thank you for all doing your jobs so well and for making others feel welcome. I am grateful to be able to work with all of you.
Reviewed Feb. 24, 2020
I cannot say enough good things about how Carl ** handled the loan process. His knowledge and professionalism is out of this world. I have already recommended him to my banker. The business world needs more people like Carl **. Sorry it has taken me so long to do the review, but in the move I was without my computer. Thanks, Robert
Reviewed Feb. 21, 2020
We really enjoyed working with Jolene **'s team. We worked with them twice (purchasing and refinancing our house). They assisted us greatly, best people, best customer service, they helped us through the process from beginning until the end. They responded quickly and educated us with the process. We truly enjoyed working with the team.
Reviewed Feb. 20, 2020
Christina and Caliber have been absolutely perfect in getting me my home loan. Every time I had a question, it was answered in a timely manner. They are incredibly professional yet down to earth and very easy to work with. Anything they needed I provided and that helped the process extremely well. I will use them again without a doubt.
Reviewed Feb. 20, 2020
We originally were recommended to Caliber Home Loans through our mortgage broker when purchasing our home and since day one Caliber has been nothing but outstanding with their customer service. We received the opportunity to refinance at a lower rate and we looked around at all of the advertisements that were being sent to us and we thankfully received one from Caliber and decided this is the best place to get the refi from. We loved them as an originating company and we love them even more refinancing through them. It was fast. It was efficient. The people were outstanding. I can't say enough about this company.
Reviewed Feb. 19, 2020
I recently wrote a review for Moore Than a Mortgage/Caliber Home Loans. My views haven't changed. I've refinanced twice in less than a year with this team and I can't see myself ever wanting to work with anyone else. They are professional, efficient, and most of all very caring. You won't find all these attributes with most other lenders. Moore Than a Mortgage is the whole package. I've recommended them to multiple people already.
Reviewed Feb. 19, 2020
We were very please with our loan consultant that works with Caliber Home loans. Very professional, very informative, very knowledgeable and always on top of things throughout the process. Always answered or took my calls when we had questions and was there on closing day to assist if needed.
Caliber Home Loans Company Information
- Company Name:
- Caliber Home Loans Inc.
- Company Type:
- Private
- Address:
- 1525 S. Beltline Rd.
- City:
- Coppell
- State/Province:
- TX
- Postal Code:
- 75019
- Country:
- United States
- Website:
- www.caliberhomeloans.com
