Overall
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.
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.
Fees
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.
