Stephanie is a pleasure to work with and is very fast at replying to questions via e-mail. When I call, I usually get through immediately. - Neil - RANCHO CORDOVA, CA

Very prompt and quick refi despite recent difficulties in the market - Donn - VACAVILLE, CA

Smooth refinancing process beginning to end. Great communication with weekly status updates and very responsive to questions. Overall great experience! - Michael - FAIRFIELD, CA

The process was painless and Stephanie walked us through the entire thing and made sure we were up to date throughout the refinancing process. - Tucker - VACAVILLE, CA

Stephanie and Jason worked really hard to complete my refi with not much on my part to work with. They kept me updated on a regular basis and sent weekly videos. It was a pleasure working with them - Jeri - VACAVILLE, CA

Stephanie is very knowledgeable and thorough, we had complete trust in her and appreciated all of the updates along the way! This was at least our third transaction with her over the last decade, we wouldn’t work with anyone else. - Cristina - FAIRFIELD, CA

Stephanie was SO helpful throughout our entire refinance.. Always kept me up to date!! Explained things so I understood well. Couldn't be more happy with my experience with Stephanie!! Thank you!! - Eric - VACAVILLE, CA

Stephanie is the best, plain and simple. She is very knowledgeable and extremely responsive. This was the first time we had gone through the refinance process and Stephanie guided us through the entire process while providing very logical and unbiased advice. Our home refinance was seamless to to say the least. We highly recommend Stephanie! - Michael - VACAVILLE, CA

Stephanie was consistently updating me on what was going on with my Refinance. She reached out to me before I needed to reach out to her. Her professionalism and experience made this transaction very smooth and successful. Thank you Stephanie - Suzzanne - DIXON, CA

Stephanie is extremely responsive and available to answer questions and explain documents and processes. She was always available for support and made the process easy. - Jennifer - Vacaville, CA

Stephanie and her team a great! They know their job and do it well. Excellent communication, personable and very knowledgable. - Alan - VACAVILLE, CA

Stephanie was an ever steady presence in a very uncertain time. Her advice and guidance will forever be remembered. I have already started referring people to her and will continue to do so for a long time to come. - Breanna - Fairfield, CA

Stephanie made this a easy process to get started and always kept us informed as to the progress of our loan. She answered questions in a very timely manner and make this a very easy process with her friendly and helpful manner. You always know she is looking out for you. I have been quick to refer friends and family and would not do business in the future with anyone other then Stephanie. Thank you!!! - Ernest - FAIRFIELD, CA

Stephanie has been amazing to work with. She has always gone above and beyond to make sure I was informed every step of the way. Definitely one of the few I have had the pleasure to work with that I would highly recommend to anyone thinking about buying a home or refinancing. She is very knowledgable and is always willing to explain with great detail every part of the process. 5-star all the way. She will always be my go-to for any future changes or home buying needs. - Robert - Fairfield, CA

Stephanie and her team are top notch! - Kashala - WINTERS, CA

Stephanie was a pleasure to work with. She was quick to respond with answers to all of my questions along the way. Stephanie continually provided us with updates and kept us informed on the status of our loan. The process was quick and efficient. - James - VACAVILLE, CA

She is prompt and direct , easy to talk to. - Mary - VALLEJO, CA

Stephanie was great to work with. Our transaction with her was smooth and easy. I would highly recommend her. - Jon - Suisun City, CA

My experience three times now with Stephane has been absolutely professional and quite an easy process! She works tirelessly and is so efficient with her knowledge on the entire loan process. Stephanie’s positive and friendly attitude, and her happy energy makes choosing her the right person for me! You will be very happy that you chose her too! - Jodi - Sacramento, CA

Stephanie and Jason were very professional and kept us updated on all the steps. They were a pleasure to work with. - Cheryl - FAIRFIELD, CA

great communication, great service, great teamwork! - Robin - Vacaville, CA

Stephanie Ham and her team, including Jason Showalter are phenomenal to work with - very knowledgeable and literally worked day and night to ensure our process was smooth! Her team got us a lower interest rate than expected and they answered all of our questions right away. We would recommend this company and Stephanie to anyone looking to finance a new mortgage or refinance a current mortgage. We are very happy with their professionalism and experience in the industry! - Robin

Stephanie and Jason were both great! Would definitely work with them again! - Jessalynn - FAIRFIELD, CA

Competent, Easy to work with. Very smooth transaction - Marikit - FAIRFIELD, CA

Great help with everything answered all my questions was always friendly and eager to help Always calling to check on me and updating my progress Very friendly and helpful - shelley1086

I just read that the national average for closing a loan is 45 days. Well Stephanie closed us in less than half that time.. So much for just an Loan Broker, Stephanie is good, she listened, but even more, she advised an kept me informed (try calling some 800 number EST, to get a answer or paperwork done) Stephanie was ALWAYS available, besides all that she is just good people... I will and would use her services again. - Informer

By far the best mortgage loan process I have ever been through. - Todd - Vacaville, CA

I’m very happy I chose Stephanie to help me with my home purchase. Every step of the way she kept me informed and made it easy and comfortable for me to understand the process as it was developing. She and her team are extremely knowledgeable and very friendly, I would absolutely use her services again and I will recommend Stephanie to family and friends. - Odir - Fairfield, CA

Very friendly and responsive to questions and issues. Made the intimidating lending process a breeze. - Charles - Vacaville, CA

Everything happened as predicted. Questions were answered promptly - Jerry - Vacaville, CA

Great communication, very knowledgeable, also we really geeked like she had our best interests in mind. Not pushy and gave us the whole picture. Thank you so much - Kevin - Vacaville, CA

Stephanie was extremely attentive and professional- we had prompt resolution of any issues and were able to have visibility throughout the process. - Jonathan - Benicia, CA

I think the best thing about my loan experience with Stephanie Ham was that I felt like I was talking with a good friend every time we communicated, a friend that was patient, and extremely knowledgeable. - Gary - Vacaville, CA

We were able to ask questions and receive a reply quickly. You were always available. - Suzie - Vacaville, CA

Working with Stephanie has been great she is very knowledgeable and helpful. They did a great job. - Jesse - Sacramento, CA

Stephanie & Jason are amazing! I cannot say that enough, they are very professional and knowledgeable. Throughout the entire process of securing my loan they kept me informed and well versed of every aspect as it occurred. Including helping me re-establish my VA loan credentials. Because of them I felt completely comfortable and at ease while going through the process of making such a big decision. I will always recommend them to family and friends, and anyone else for that matter. Stephanie & Jason make a great team and the one’s you want working for you. I cannot thank them enough. - Stan

Digital communication and signature. Prompt responses and dates. Availability of agents for any question we may have. Overall it was a great experience. So happy with Stephanie and Jason. - Jose - Fairfield, CA

I would just like to say Stephanie and Jason were absolutely amazing! I’m a first time home buyer and they helped me and explained every step along the way. Thank you so much for all your help and support! - Alicia - Vacaville, CA

Stephanie was awesome! - Elena - Fairfield, CA

Stephanie and her team at Caliber Home Loans were fantastic to work with. As first time home buyers we were completely at her mercy and she guided us through the process with excellence. Stephanie was very knowledgeable and very informative of each step. She answered questions quickly and kept us calm during the process. Buying a home during CV19 was not the easiest, but Stephanie and her team made it easy! Definitely recommend her! - saleri18

I’ve used Stephanie twice now and I’m very satisfied with her speedy responses to my questions her helpfulness and competence in first handling a home purchase loan and now a refi. Can’t imagine a better person to use to obtain a home loan. She and Jason make an excellent team. - Bob

She was perfect! Everything was smooth and easy going. Thanks Stephanie! - Matthew - Antelope, CA

Friendly, knowledgeable, thorough, accessible! What more could you ask? - Robert - Vacaville, CA

Very smooth easy process working with Stephanie. Great communication and friendly atmosphere. I was kept updated frequently and we received the product as described. - Andrew - Vacaville, CA

Stephanie is super knowledgeable and on top of every aspect of the entire procedure. This was the most painless refinance experience I have ever had. I would recommend Stephanie to anyone who needs a loan for a purchase or refinance. She is very quick to respond to all emails and calls and walked us through every step of the process. Thank you!! - Janice - Vacaville, CA

Stephanie and Jason made the process of refinancing so easy and painless. She is extremely capable and knowledgable regarding mortgages and the current trends. Stephanie was always quick to respond to any questions, calls and emails. The website she provides for uploading documents makes the whole process proceed smoothly! - JBPB

Stephanie and her team were fantastic to work with. This was the first time that I was buying a home by myself, and she made me feel very comfortable throughout the whole process. She was there to answer any question I had, and her team made this transaction seamless. I am so grateful for Stephanie and her team to assist me in this purchase. I am not computer savvy, but Stephanie was able to make different arrangements for this transaction to be completed. - kilrz28

Fantastic customer service, not to common nowadays, start to finish was 3 weeks, that's fast, and the cupcakes were delicious. - John - Vacaville, CA

Great communication I am really happy with the service provided by Stephanie Thankyou - Adrian - Fairfield, CA

Always right there to answer my questions and help me - Shelley - Vacaville, CA

Stephanie helped make our home buying process effortless!! She’s truly great and I will recommend her to everyone!! - Joanie - Fairfield, CA

Stephanie worked very hard to make sure this refinance would happen. We had a medical emergency happen part way through this process, but she worked out some accommodations so we could complete the refinance. - Lisa - Ione, CA

Stephanie is amazing! Always available and answered every question I had along the way. She made the entire process seem so simple! - Lori - Fairfield, CA

Outstanding! Attentive, positive attitude, informative, etc. I can go on and on about how great Stephanie and Jason are. They are the best in the business. - Jimmy - Vacaville, CA

Customer service was excellent. Everything was being completed in a timely manner and we were kept inform of every step along the way. - Brandon - Vacaville, CA

My husband mostly worked directly with Stephanie ... what I experienced was Stephanie's ability to move the process along quickly and accurately - it was amazing! She knows her business and she knows her clients' needs - almost better than we do! She communicated with us every step of the way and made sure we understood the process. This is the second time we've worked with Stephanie. We will never use anyone else. Stephanie is the absolute BEST. - Catharine - Vacaville, CA

Professionalism and courtesy from Stephanie and Jason. - Unetha - Elk Grove, CA

Stephanie and her team did a wonderful job! They were great at helping us work through some issues we had along the way and they were always available for answering questions. Stephanie and her team made us feel like we were always a top priority. Definitely recommend them! - Sarah - Vacaville, CA

This being our fourth time using Stephanie Ham at Caliber. My wife and I would wouldn’t even think of looking elsewhere. The level of service and support we get from Stephanie and her team is top notch. Something that is sadly missing from most companies. I am a small business owner, and I take a-lot of pride in treating my customer’s as if they are my family and give them honest opinions based on the work they have requested. Stephanie is no different. We simply cant thank her enough. Bravo!! - Greg - Vacaville, CA

This is the 4th loan Stephanie has helped us with. She has always answered all our questions and guided us through the whole process. Her time, dedication, and expertise are all apparent. - Anne - Vacaville, CA

I have dealt with Stephanie for many years and multiple loans. She is always honest, always in communication, and I trust her. - Dermott - Fairfield, CA

Thank you for all your help. As always, it was an easy and painless experience! You’re great! - Michael - Fairfield, CA

Stephanie and Jason always make the process easy, and always answer questions in a timely manner. Couldnt be happier! Thanks - Elias - Suisun City, CA

Stephanie and Jason timely responded to our questions and kept us advised of the status of the refi. They were professional but friendly at all times. During the process it did seem that there were numerous times when changes were made that required certain documents to be resigned. Not sure why but it wasn’t an issue for us. - Robert - Fairfield, CA

The Caliber Team are on top of everything and are very responsive to our needs. They communicate in a timely fashion, returning calls or emails and answering all inquiries we have. We will always recommend Stephanie Ham and her associates to friends and family members needing this type of service. - Patti - Fairfield, CA

Thank you for all your help with the process! Your team is wounderful! - Patricia - Richmond, CA

We have worked with Stephanie on past home purchases as well as refinances. Our last transaction was a refinance of our home, which we started before COVID begane closing things down. We told Stephanie exactly what we wanted and she delivered! Everything was done through email and online with the exception of signing the loan docs. She made herself available at anytime to answer questions and kept us up to date on the process. We would definitely recommend Stephanie for your home needs. - Christina

This will be the third time I have done a financial transaction with Stephanie and her team. They are WONDERFUL. Very professional, and hard working. Alll three transactions have been flawless. Impeccable timing and thorough. Asked if she could do my daughters loan in South Carolina, but needed to refer us out. Disappointed but I am sure all Caliber's representatives are just as good as Stephanie. Thank you again for all your hard work you have done for me!!!! Really appreciate it. - Michelle - Vacaville, CA

Great service and answered all questions we had in a timely manner. - Jadene - Vacaville, CA

The overall experience was painless, Stephanie and Jason where always there to help with any questions anytime of the day. - Justin - Vacaville, CA

This was my 2nd transaction with Stephanie and Jason. In July 2019 they funded a purchase loan that was part of an exchange for my Son, Jason. Very complicated, deadlines with simultaneous closing and Stephanie pulled it off. She just closed a refinance for me on my investment home. Perfect rate, fees and so smooth. This was a big decision for me and I have no regrets. Thank you for helping make my retirement more worry free. Until next time, Gayle - Gayle

Communication was great! - Dayssy - Fairfield, CA

I really appreciate everything Stephanie and her team did for me and my fiance to refinance our mortgage. She was pleasant to work with. Stephanie helped us with our original mortgage and then helped us refinance our loan now. We would not go anywhere else for our mortgage needs. She has a can-do attitude. She is very friendly and courteous throughout the whole process. We are very happy and satisfied with the outcome. I highly recommend Stephanie at Caliber Loans. Thanks so much for everything. - Tricia - Fairfield, CA

Positive experience all around - thank you! - Hannah - Fairfield, CA

As usual working with Stephanie and her team has been great. Even when a snag in the process happens she is very good at keeping everyone informed and updated so there is less stress during this process. Thank you - Allison - Vacaville, CA

Stephanie and the rest of the team we’re amazing to deal with! We got the best rate I have ever heard of that blows peoples minds when they find out what it is. I have used her for all of our financial needs and would highly recommend Stephanie to anybody out there! - James - Fairfield, CA

Stephanie & Jason were on top of everything. They were very through, honest and answered all of our questions. We are very happy with the professionalism and level of service provided. We will be using them again and will be referring them to all of our friends and family. - San - Suisun City, CA

Stephanie is the BEST at communication and keeping me updated throughout the transaction. Super happy! Customer for life. - Aimee - Vacaville, CA

Very informative and easy to communicate with. Made the process easy. - Kristin - Vacaville, CA

Stephanie Ham along with Jason Showalter have always been very responsive to questions I have and also provided very timely status update on loan application. This is I believe my third loan transaction with her and Jason from buying a new house (2019) to two refinances (2019 & 2020. - Rosinante - Fairfield, CA

Stephanie explained everything in detail and she is very knowledgeable. - Melissa - Fair Oaks, CA

Best experience ever! - David - Vacaville, CA

Stephanie and Jason were extremely helpful with the entire process of refinancing my home!! They are super knowledgeable and more than willing to answer any and all questions along the way! I would highly recommend them to anyone looking to purchase or refinance!! - Kristy - Vacaville, CA

Awesome - Jase - Fair Oaks, CA

Stephanie made everything so easy even though I was all the way across the country and there was a pandemic! Easiest financial transaction for a mortgage in my history of buying and selling homes. Stephanie and her team are the BEST! - Elizabeth - Vacaville, CA

Stephanie is fabulous has a great team to help you with your home financing needs. I have an on going relationship with her and Caliber because they keep your loan. You will always work with her concerning your account. Your loan will not be sold off to a different lender where you will dial a call center in India to discuss your important investment. Stephanie is professional and has vast knowledge of the industry. I highly recommend Stephanie. - Timothy - Vacaville, CA

Always smooth and stress free. - Donna - Suisun City, CA

She did an excellent job explaining things to us.whenever we called Jason or Stephanie would answer very quickly. - William - Vacaville, CA

Easy - Ginger - Fairfield, CA

Stephanie and team did a phenomenal job throughout the entire loan process, especially considering it occurred during COVID-19. We closed on our home 3 days earlier than scheduled and everything was extremely streamlined and smooth. I highly recommend her to any interested home buyer...we also received the best rates through Caliber. You won’t be disappointed! - Christopher - Fairfield, CA

Stephanie and Jason were amazing. They are on top of the whole process from start to finish. They consistently communicate and every step is just seemless. They are knowledgeable, professional, organized and trustworthy. I have gone to them several times to refinance and every time it’s been an smooth experience. Highly recommended! - Debbie - Vacaville, CA

What an amazing team to work with! Stephanie and Jason were absolutely superb. No matter what time of day it was, they were both right there to support me and any question I had. They went above and beyond! If you need a lender, this is your team! - mrgtom21

Stephanie and Jason are amazing! Your company is very lucky to have them both. Thank you Stephanie and Jason; you’re rockstars! - Whitney - Vacaville, CA

Always a pleasure working with Stephanie and team!!!! They get the job done and I trust them!! - Nicole - Suisun City, CA