Our Products Make Us Different, Our People Make Us Great

Loan Programs

  • Conforming Fixed and ARM
  • High Balance Fixed and ARM
  • HARP Options:
    • DU Refi Plus (FNMA)
    • Relief Refinance - Open Access (FHLMC)
  • Jumbo Fixed and ARM
  • Home Possible
  • Texas Section 50(a)(6)
  • MI Products
    • Borrower Paid
      • Monthly Plan/Zero Upfront Monthly Plan
      • Single Premium
      • Split Premium
      • Financed Single Premium
    • Lender Paid Single Premium
  • FHA Fixed and ARM, including High Balance Options
    • Transaction types: Purchase, Rate/Term Refinance, Cash-Out Refinance and Streamline
  • FHA HUD REO $100 down
  • VA Fixed and ARM, including High Balance Options
    • Transaction types: Purchase, Rate/Term Refinance, Cash-Out Refinance and IRRRL
  • USDA Rural Housing
    • Transaction types: Purchase and Rate/Term Refinance

Caliber Portfolio Loan Programs

More product, more choices, and more advantages for you and your borrowers

Caliber Home Loans, Inc. is pleased to provide a full suite of mortgage products created to expand home financing options to borrowers. All products meet the published Ability To Repay (ATR) guidelines and provide options that have not been readily available until now.

Portfolio Lending products include:

Elite Access

Designed for borrowers that dream big and are looking for a Jumbo loan with LTVs up to 95%. Loan amounts up to $3 million with no MI. DTI ratio up to 45% allowed. Minimum 700 FICO for the program. Non-Warrantable condos allowed, asset depletion can be utilized for qualification, and interest-only options are available.

 

Premier Access

With expanded guidelines, including 50% DTI and both fixed and adjustable options, this jumbo product may be just what your borrowers have been looking for.

 

Homeowner’s Access

Designed to help borrowers to achieve or re-establish homeownership. With DTI ratios up to 50%, and BK 7 or 13 allowed, Foreclosure, mortgage loan charge-off or Deed-in-lieu — 24 months seasoning - qualified borrowers may be able to access financing that is not readily available to them previously.

 

Fresh Start

Tailored for borrowers that have been prevented from achieving mortgage financing due to a recent short sale, bankruptcy, foreclosure, or deed in lieu.

 

Investment

Maximum loan amounts up to $2,000,000 with a 620 FICO score and unlimited financed properties... our Investor product gives investors a higher advantage.