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Caliber Home Loans

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LAST UPDATED: September 16th, 2022

Caliber Home Loans, founded in 2013, is a national private mortgage lender known for its VA loan options. The lender offers a variety of loan types to meet the varied needs of homebuyers with a streamlined application and mobile app, making it easier to get and manage a mortgage.

Users give Caliber Home Loans around 2/5 stars for its overall services — however this feedback is from a small sample of reviewers.

Learn more about this mortgage lender or jump down to read Caliber Home Loans reviews from real customers.

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The Good

Several Loan Programs

Caliber Home Loans offers several basic and government-insured loan programs, each of which include a variety of specialized loan types:

Conventional Loans

  • Conventional Loan — basic loan option insured by the lender
  • HomeOne — only requires a 3% down payment
  • HomeStyle® Renovation Loan — available for new and existing homes (including new constructions)
  • Home Possible® — a Freddie Mac loan program with low down payment options and lower credit score requirements
  • HomeReady™ — a Fannie Mae loan program for buyers with limited household incomes

FHA Loans

  • FHA Loan — a good option for first-time homebuyers
  • FHA 203k Home Loan — secure funding for home repairs or renovations
  • FHA Streamline Refinance — a refinancing option if you currently have an FHA loan

VA Loans

  • VA Loan — a loan option for military service members and veterans
  • VA Streamline Refinance — allows you to refinance a current VA loan and lock your rate

USDA Loans

  • USDA Loan — a loan option for buyers looking to purchase a rural property

In addition to these basic and government-insured loan programs, Caliber also offers the Smart Series, which includes various specialized loan options:

  • SmartEdge — a jumbo loan mortgage program for those unable to secure financing due to a recent credit event
  • SmartSelf — an option for self-employed homebuyers looking to secure financing
  • SmartVest — an option for real-estate investors looking to finance their next investment property

Because there are so many options, borrowers have the ability to find the loan option that works best for them and their individual situation.

Mobile App 

Caliber's mortgage servicing mobile app includes the following features, compatible with both iPhone and Android devices:

  • Set up banking information for mortgage payments
  • View loan and escrow financial details
  • Upload loan applications and associated documents
  • Schedule one-time or monthly payments
  • View loan payment history
  • View the status of an in-process loan
  • Find a loan officer or contact the company 

Emphasis on Military Loans

Caliber Home Loans appears to place particular emphasis on military lending programs through its VA loan products, and its separate website to serve military members:

Personalized Mortgage Support

Caliber Home Loans has experienced loan consultants that can help answer any of your questions and resolve any of your concerns throughout the mortgage process. You will be assigned a loan consultant when you choose to get a Caliber mortgage.

Disaster Assistance

Caliber Home Loans offers mortgage payment assistance to homeowners in the event of certain extenuating circumstances. Houses that are in designated FEMA areas potentially qualify for the following assistance under the direction of Fannie Mae, Freddie Mac, the USDA, VA, and FHA entities:

  • Late fees will be suspended
  • Loan payments will not be reported as past due to credit bureaus
  • Possible eligibility for additional disaster loan options (depending on your loan program and situation)
  • Some foreclosure protections may be accessible

Real Estate Listings Search Tool

To help you find your future home, Caliber Home Loans provides a search tool to show real estate listings in your area, price range, size, and more. This is a helpful tool because you can find homes that you're qualified for right away, and you can get pre-approved for certain homes within just a few minutes.

Educational Resources

Because buying a home can be a somewhat confusing process, Caliber Home Loans provides a wealth of educational resources to help prospective homebuyers better understand what is happening. The company offers a resource library that includes information about loan qualification, mortgage rates, escrow costs, mortgage insurance, closing costs, and other topics helpful to the consumer.


The Bad

No Rates Displayed Online

Caliber Home Loans does not provide several important pieces of information on its corporate website. For example, the company has not listed interest rates, closing costs (including origination fees), or minimum credit score on some loan types.

Though mortgage rates vary depending on loan types, loan amounts, and each customer's eligibility, many top companies provide calculators that give prospective borrowers an interest rate estimate based on a 30-year conventional loan scenario.

No Home Equity Loans or Lines of Credit

Caliber Home Loans doesn't offer home equity loans or lines of credit. If you are interested in these products you will need to look into other mortgage lender options.

Caliber Home Loans Reviews

The majority of Caliber Home Loans ratings reward the company only 1 star. Many customers outline dissatisfactory experiences with the company, with most complaints centered around poor customer service - difficulty in connecting with Caliber representatives, endlessly being sent from one representative to another, not receiving answers to questions, etc. 

It is important to note that Caliber Home Loans reviews are currently limited and so they may not paint the most accurate picture of the company.


The Bottom Line

Caliber Home Loans is a well-known and trusted mortgage lender, providing a streamlined online loan process and a variety of loan products to choose from to meet your specific needs. 

If you are a member of the military, a Caliber home loan could be a good choice for you because the company offers specific resources and tools to assist with VA loans. Caliber Home Loans has even participated in community outreach initiatives to help military members and their families feel more at home in their communities, including providing room makeovers.

However, Caliber Home Loans doesn't list rates or fees on its website making it difficult to know how much it will cost you to take out a home loan. You will be able to see these personalized factors upon pre-qualifying, but it can be helpful to see that information upfront. In addition, current Caliber Home Loans ratings are low and many reviews express poor experiences with customer service.

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Star Rating


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55 Reviews

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Daniel Wondrusch Alamo, CA

Always friendlyn professional, excellent customer service! Have done one initial and 4 REDI's through them and have never had any issues. Completely seamless, simple and straight forward! 10/10

2 years ago

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Summer Dallas, TX

My loan originator in Texas is extremely knowledgeable, has been in the business over 17 years, friendly, kind, went out of her way nights and weekends to get my loan closed two weeks early !!

3 years ago


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Whitney Hawkes Saratoga Springs, UT

We have enjoyed Caliber Home loans. They gave us the best interest rate when compared to other companies. Our refinance process went quickly and smooth. I like the option of having my statements delivered online so I don’t get all that paper mail.

4 years ago

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muthana aiyash Hamtramck, MI

To Caliber home loans in Plymouth MI ; I praise your professionalism and outstanding customer service.Thanks to Ali S and his team

2 years ago


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Eduardo Ocampo The Bronx, NY

Caliber Home Loans offer great interest rates, they have excellent customer service and easy access to get information about your loan.

11 months ago


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Kalli Binks Payson, UT

We have only been with Caliber for a few months now and have been very happy with their service. They are very friendly and always willing to work around payments.

3 years ago