There’s a good reason for contacting a mortgage company and getting a Loan Consultant involved early in the home buying process. Your Loan Consultant will be your guide through the application process, helping you determine how much home you can afford and identifying the loan programs that fit your unique needs and goals.
At Caliber Home Loans, your personal Loan Consultant will be right beside you every step of the way to ensure that the process goes seamlessly from start to finish. For most people, the most pressing question on their mind is. “What is the status of my loan?” Your Caliber Loan Consultant will be able to provide you with that answer during every stage of the process.
You’ll also be able to log into your account on the Caliber application whenever you’d like to check on the status of your loan and to see if any additional documents are needed. Although your Loan Consultant will be informing you regularly of new requests or updates, being able to check online means that if it’s 3:00 am and you’re wide awake wondering how it’s going with your application, you can find out immediately!
With Caliber, the loan application process shouldn’t take very long, so you won’t need to check the status many times before it’s completed. But there are several things that you can do to make the process go even faster.
Pre-qualifying is a no-cost service that we provide to give you a clear picture of what you can afford and help pave the way for a smooth home buying experience.
We’ve streamlined the pre-qualification process so you won’t have to spend hours on it. We begin with an informal chat so your Loan Consultant can get a good picture of your current finances. This can be done by phone, or in-person. We’ll discuss your income, long-term debts, such as student loan repayments, and your credit history.
After your Loan Consultant reviews this information, you’ll be given a preliminary estimate of the funding that Caliber should be able to provide. You’ll then be pre-qualified, which will help you shop smart.
Remember, during this short application process, you can check the status of your loan at any time by contacting your Loan Consultant or logging into the Caliber Mobile Application. Caliber Home Loans is here to help you each step of the way.
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*Closing cost offer available to customers who apply for a new purchase loan. Only available for single family primary residences and existing Caliber customers. Credit provided at closing. The offer is nontransferable and can only be used by the intended recipient. Advertised discount can only be applied toward payment of closing costs up to a total amount of $1,000 subject to product underwriting guidelines. Any portion of the discount amount not used toward closing costs will be waived. |
| **A pre-approval does not signify that all underwriting requirements have been met. Actual terms, including interest rate, are subject to change without prior notice and may vary based on eligibility criteria. All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Please contact Caliber for additional details. |
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| ***The lock will be honored up to 75 days total. Your rate is protected for up to 30 days to shop for a home. Once you identify a property, your rate will be locked for an additional 45 days. All rate lock extensions are subject to Caliber’s standard rate lock extension fees All rate lock extensions are subject to Caliber’s standard rate lock extension fees. Not available for all loan products. Please contact Caliber for additional details. |
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| ****Caliber agrees to pay the borrower the amount of the earnest money deposit (up to $5,000) following the home loan closing, if the loan does not close on or before the contract closing date due to a delay caused by Caliber. Void if there are any material changes to income or assets. Offer requires 30 business days from Caliber’s receipt of purchase contract to closing date. Other requirements include: Minimum 700 credit score, owner occupied purchase transaction. LTV and property type restrictions may apply. Available only through the Caliber Retail Channel. Payment may be subject to reporting for tax purposes. Please contact Caliber for additional details. |
