Caliber Home Loans
Top Rated
Full-service mortgage lender with innovative digital solutions
About Caliber Home Loans
Caliber Home Loans is one of the nation's largest mortgage companies, combining the personal touch of a local lender with the resources and capabilities of a national organization. Founded in 2013 through the merger of Vericrest Financial and Caliber Funding, they have grown to become a leading mortgage originator and servicer, managing over $150 billion in loans across the United States.
Key Features
- CaliberH2O Platform: Mobile-friendly digital platform for easy application and loan management
- In-House Processing: Control over the entire loan process for faster closings
- Smart Pre-Approval: Fully underwritten pre-approval in as little as 24 hours
- Portfolio Lending: Unique loan programs for borrowers with special circumstances
- Borrower Loyalty Program: Special benefits for returning customers
- Local Expertise: Branch offices nationwide with local market knowledge
Current Rates
Rates shown are for example purposes only. Your actual rate may differ based on your specific situation.
Loan Types
- Conventional Loans (Fixed & ARM)
- FHA Loans
- VA Loans
- USDA Loans
- Jumbo Loans
- Portfolio Loans
- Construction Loans
- Renovation Loans
- Investment Property Loans
- Refinancing Options
- First-Time Homebuyer Programs
Requirements
- Minimum Credit Score: 580 (FHA), 620 (Conventional), 680 (Jumbo)
- Down Payment: 3% (Conventional), 3.5% (FHA), 0% (VA/USDA), 10-20% (Jumbo)
- Debt-to-Income Ratio: Up to 45% standard, 50% with compensating factors
- Employment: 2 years history in same field, flexible for recent graduates
- Income Documentation: Pay stubs, W-2s, tax returns (varies by program)
- Asset Verification: Bank statements showing sufficient funds for down payment and reserves
Contact Information
- Website: www.caliberhomeloans.com
- Phone: 1-800-401-6587
- Hours: Mon-Fri 8am-8pm CT, Sat 9am-5pm CT
- Address: 1525 S. Belt Line Road, Coppell, TX 75019
- NMLS ID: #15622