Caliber Home Loans, Inc.

Caliber Home Loans is a national mortgage lender and servicer offering home purchase and refinancing products. It operates through a combination of direct lending, a broker network, and correspondent lending channels, meaning it originates loans both directly for consumers and through third-party mortgage brokers.

Caliber commonly offers conventional loans, FHA loans, VA loans for eligible military borrowers, USDA loans for qualifying rural areas, and jumbo loans. It also markets certain products aimed at borrowers with non-traditional income documentation, such as self-employed buyers, through programs sometimes referred to as non-qualified mortgage products. Eligibility and terms for these products vary and typically involve higher rates.

For standard home purchase loans, Caliber serves borrowers directly through its loan officers as well as through independent mortgage brokers who place loans with Caliber as a wholesale lender. If working with a broker, the broker is responsible for shopping your loan and presenting options.

Before choosing Caliber or any mortgage lender, compare multiple offers. The key items are the interest rate, annual percentage rate which reflects total loan costs including fees, estimated closing costs, origination fees, and the time from application to closing.

For VA loan borrowers, Caliber offers VA purchase and refinance mortgages. These are available only to eligible veterans, active-duty service members, and qualifying surviving spouses.

Caliber also functions as a mortgage servicer, so existing loan customers may find their loan transferred to Caliber for ongoing payment management even if they did not originate with Caliber. A servicing transfer does not change the terms of your mortgage.