Caliber Home Loans Review

Overall Score
4.5 out of 5
1.8 out of 5
Loan Volume
Not rated
Editorial Rating
4.7 out of 5


For over a decade, Caliber Home Loans has been providing homeowners across the country with the mortgage and refinance loan options they need to meet their goals. With a wide variety of loan products and a team of highly-qualified loan consultants ready to assist you, this lender is a great option for any homeowner hoping for a good deal when it comes to refinancing.


  • Extensive loan variety to suit every situation
  • Qualified loan consultants located throughout the country
  • Helpful website filled with refinance resources and calculators
Whether you have a low or high credit score, Caliber Home Loans is a lender you should definitely consider when refinancing. They offer not only conventional loans, but also USDA, VA, and FHA loan options, so they'll likely have the loan option you need to achieve your refinance goals. Their rates range from average to low for the market, and their personalized customer support ensures you'll get as much help as you need throughout the process. If you are looking into refinancing, we recommend seeing what they have to offer.

Caliber Home Loans Ratings

The team at considers a variety of sources and methods to determine an overall ratings score. First, a lender's Trustpilot score (or TrustScore) is factored in, when available. Truspilot, a third-party review site, is a leading source regarding customer satisfaction and consumer sentiment. From there, for lenders that publicly release their financial statements, we research loan origination volume. Loan origination volume is one way to understand a lender's solvency and transactional reliability. Next is brand strength. For lenders who have met a certain threshold of engagement on, we measure their relative popularity among our consumers. And finally, we offer our editorial ratings, which rely heavily on in-depth brand research and secret shopping.

Editor Ratings

Loan Variety
Loans Offered Include: Fixed, ARM, conventional, FHA, VA, USDA
Caliber offers more than enough variety for most homeowners when it comes to loan type. Whether you want a conventional or a streamlined refinance, they have what you need. Be aware that eligibility for each loan type varies by situation.
As far as cost goes, Caliber offers reasonable rates on most loans. As with any other lender, rates vary based on a variety of factors, including loan type, property value, and the homeowner's credit score. Overall, we've found that their rates tend to be average for the market.
Customer Service
With locations and agents in every state, Caliber makes it easy for potential customers to get in touch. Homeowners interested in refinancing can get a quote online or call the number provided on their website to get personalized help.
Company Reputation
Their reputation is fairly good online. Like any lender, they do receive negative reviews from some customers, but for the most part they are a reputable lender that has offices and loan consultants in every state.
Ease of Application Process
Caliber's application process is fairly quick and easy, though it cannot be completed entirely online. They offer personalized assistance through loan agents either in person or over the phone, so you can make sure you're getting the best refinance loan option for your needs.
For Lower Credit Scores
Minimum Credit Score: 620
So long as you have a credit score of at least 620, Caliber has refinance loan options for you. Loan eligibility varies by each situation, but this is definitely a company to consider if your credit score could use some work.
For Higher Credit Scores
If you have a higher credit score, you might want to consider working with this lender for their great variety of loans. They're likely to have a loan type that will work with your financial goals. Additionally, they have reasonable rates and helpful loan consultants located throughout the country.

Additional Ratings

Trustpilot Rating
  • Caliber Home Loans currently has a 1.8 on Trustpilot
  • Customers find staff to be relatively unresponsive
Loan Volume Rating
Not rated
  • Caliber Home Loans is not currently rated for loan volume

Company Background

Caliber Home Loans, founded in 2008, is a mortgage loan lending company headquartered in Coppell, Texas. Operating in every state, the company's overall goal is simple: they aim to provide an easy path to homeownership to their customers.