Loans (US)

Caliber Home Loans review: conventional, FHA, VA, and USDA loans

Check out the Caliber Home Loans review and learn how to take advantage of a variety of products, low mortgage rates, and flexible terms.

by Aline Augusto

Published on 10/06/2022

Caliber Home Loans: low rates with flexible terms

Get a home loan with the help of Caliber Home Loans. Source: The Mister Finance.
Get a home loan with the help of Caliber Home Loans. Source: The Mister Finance.

Caliber Home Loans was founded in 2008 when Caliber Funding and Vericrest Financial were merged. This lender offers a variety of loan products for home purchases and mortgage refinance. 

caliber home loans

How to apply for the Caliber Home Loans?

Check out how the Caliber Home Loans application works, find the best option for you, and access valuable resources and tools in the process.

Also, according to Caliber and the reviews, the company provides low rates and flexible terms.

APRNot disclosed
Loan PurposeMortgage
Loan AmountsIt depends on the product
Credit NeededIt depends on the product
TermsIt depends on the product
Origination FeeNot disclosed
Late FeeNot disclosed
Early Payoff PenaltyNot disclosed

Caliber Home Loans features helpful resources and many tools so you can estimate your home loan. Keep reading to find out how it works and the loans offered.

How does Caliber Home Loans work?

Caliber Home Loans provides a full range of loan options for those who want to purchase a home or those who need to refinance a mortgage.

Also, this lender specializes in the military community through VA loans and VA Streamline Refinance.

In addition, it offers conventional loans with flexible terms that can go up to 30 years or more. Plus, the conventional loan option features several ARM programs and down payments as low as 3%.

You can also count on FHA loans and refinance in case your creditworthiness is less-than-perfect, and your income is limited.

On the other hand, Caliber Home Loans offers USDA loans with zero down payments and competitive fixed rates if you are looking to live in the countryside.

Although the lender doesn’t disclose all fees and rates, you can find a loan consultant right next to you to find out the best loan option to refinance your mortgage or purchase your home.

Furthermore, Caliber offers helpful tools and resources on its platform, including a loan calculator, homeownership steps, educational articles, and more.

Caliber Home Loans benefits

If you dream of having your own house, take a look at Caliber Home Loans. Source: Freepik.
If you dream of having your own house, take a look at Caliber Home Loans. Source: Freepik.

Caliber Home Loans is a lender that gathers many home loan options, including VA, FHA, conventional, and USDA loans.

Also, it offers refinancing options. Furthermore, it allows you to get access to helpful resources, including a calculator that helps you estimate your rates.        

Pros

  • Caliber Home Loans offers a complete range of mortgages, including VA, FHA, conventional, and USDA loans;
  • It provides flexible terms that can go up to 30 years, and it features competitive rates, according to reviews and the official website;
  • It offers refinancing options;
  • It features helpful resources, including a calculator;
  • It offers physical locations and specialized consultancy.

Cons

  • It doesn’t disclose all fees and rates.

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How good does your credit score need to be?

It depends on the home loan option you apply for. For example, if you decide to go with an FHA loan, poor credit is considered in the application.

However, if you decide to apply for a conventional loan, it is recommended that you have a higher credit score.

How to apply for Caliber Home Loans?

Caliber Home Loans gathers many home loan options and refinance deals. And you may find a good deal for you. Learn how to find a loan consultant.

caliber home loans

How to apply for the Caliber Home Loans?

Check out how the Caliber Home Loans application works, find the best option for you, and access valuable resources and tools in the process.

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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