They are High Caliber team - Marikit - SACRAMENTO, CA

Great service every time - Jonathan - Vacaville, CA

Stephanie and her team are fantastic! She made my refinance stress free and easy! I’ve worked with her for many years, will definitely continue to work with her! - Janine - Vacaville, CA

Stephanie was great always took time to explain everything - Ron - RIO VISTA, CA

Stephanie worked relentlessly to help me find the best rate loans and creative solutions to fulfill my lending needs. She communicated frequently and always welcomed my ridiculous amount of questions and concerns. We were able to close in what I consider record time! I would highly recommend her to anyone looking for a reputable mortgage provider! She is truly the best! - Julia - Dixon, CA

The caliber team was very informative in all aspects of my loan process and kept us up-to-date as we transitioned through it. - Richard - Vacaville, CA

Stephanie and Jason are the absolute best to close on a home loan. Their customer service and communication through the whole process is unmatched by another other lender. I would highly recommend them to anyone looking to purchase or refinance. They even sent us very tasty cupcakes from a local bakery! Approve and beyond! Thank you!!!! - Christopher - FAIRFIELD, CA

Stephanie Ham was a pleasure to work with. Her communication was excellent and we were always aware of where we were in the process. Our lending experience was efficient and absolutely painless. We only had to submit documents one time, nothing was ever lost and everything was as she said it would be. If we are ever in the market for a home refinance or purchase; we will not hesitate to call on Stephanie once again! - The

Stephanie was awesome. I had no trouble getting ahold of her, she always had the answer for me. I would differently recommender. - Lori - FAIRFIELD, CA

Stephanie and Jason are top notch! Always there when we have a question or concern. I recommend the everyone I know. - Stacy - VACAVILLE, CA

Stephanie’s attention to detail, thoroughness as well as personal communication was wonderful. The loan process can be difficult to navigate and was made simple and easy with the exceptional team at Caliber! - Rebekah - FAIRFIELD, CA

Stephanie was recommended to us by our realtor and I am glad she did. My husband and I are truly grateful for all the work Stephanie and Jason put into helping us purchase our first home!!!!! I highly, highly recommend them and have nothing but good things to say! THANK YOU!!!! Thank you!! ( I had a longgggg review but I did not know there was a character limit.So here is the short version.) - Amanda - Union City, CA

Stephanie and Caliber have patiently, kindly and competently assisted my husband and I every step of the way when it came to buying our home and refinancing. Their responsiveness and openess enabled us to quickly get a refinance done in what I felt was record time. They have always gone the extra mile for us and we have benefited greatly from their expertise, hard work, and advice. Thank you Stephanie, you are awesome! - Shannon - FAIRFIELD, CA

I just wanted to say that we appreciate what you’ve done for us. You and Caliber have been phenomenal to interact with and by far the BEST lender out there. LoanPal has treated us very poorly (and I’ll leave it at that). I really regret not going this route from the get go for the Solar, but at least it’s all good now and I’ve learned my lesson. I hope the best for you and Caliber and look forward to future interactions. - Bryon - FAIRFIELD, CA

Fast and efficient communication. Minimum disruption for the applicant, Very satisfied with Stephanie Ham! - Jose - SACRAMENTO, CA

Stephanie Ham, we have used Stephanie over the years and wouldn’t want use anyone else. Thorough, Efficient, Professional, she makes it easy! We have total confidence and trust! - Gregory - VACAVILLE, CA

My husband and I have used Stephanie and her team for 2 transactions and we would highly recommend Caliber Home Loans to anyone that needs to refi or purchase property. - Jennifer - VACAVILLE, CA

Stephanie is amazing. She makes this process seamless and is always available to answer questions. - Matthew - WINTERS, CA

This is the second time I have worked with Stephanie to purchase a house. She has been so helpful and makes sure I understand everything that is happening in the process. I will definitely recommend her to others and am so thankful for all her help. - Jaclyn - Fairfield, CA

Stephanie is just the best. Very responsive and smart and gets things done! - Johnathon - Vacaville, CA

Stephanie was always fast and detailed in her responses to my questions. I highly recommend her and her team! - Christine - VALLEJO, CA

She is always updating me with the refi progress and answers my concerns - Gaylee - AMERICAN CANYON, CA

I appreciated the detailed information provided, but more importantly, the regular follow-up text messages and emails keeping me informed of status. In addition, everything went as planned. This was the first time refinancing was made so easy. - Alfred - Vacaville, CA

Stephanie and Jason were fantastic. Being a first time home buyer my husband and I were completely clueless. However Stephanie and Jason were always there to answer all of our questions and never made us feel like we were being rushed or bothering them with the countless questions. We will forever work ONLY with Stephanie at Caliber! - Yesenia - Vacaville, CA

For being first time home buyers Stephanie and her team were absolutely amazing. Any question we had they had the answer or found it for us. They had such great communication. My wife and I are very happy and would recommend Stephanie to everyone looking to buy or sell a home. - Fernando - Vacaville, CA

She is always prompt and treats us like she's there for us when we need her. - Raymond - FAIRFIELD, CA

Stephanie was extremely communicative and available to answer any question we had about the loan. Will highly recommend her to our friends and family. - Margot - Suisun City, CA

Stephanie, and her partner Jason, were fantastic. They communicated every step of the way and advised us as needed. The took care of every step, we locked in a great rate, and we closed escrow right on time. I would highly recommend them to friends and family. I look forward to working with them again. - Mariano - Suisun City, CA

Stephanie and Jason made our experience great because they are excellent communicators, provide exceptional customer service, and always make themselves available throughout the entire process to answer any questions or concerns. This was our fourth time working with Stephanie and we would highly recommend her and Jason. - Nicole - FAIRFIELD, CA

Stephanie’s communication was second to none. We always knew where we were in the process. She made things smooth and painless! - Michael - FAIRFIELD, CA

The ABSOLUTE easiest, smoothest process I’ve ever been through! Best customer service ever!! Thank you Stephanie!!! - Lynette - FAIRFIELD, CA

Everything was made very easy and I was kept up to date and informed throughout the entire process. - Joshua - VACAVILLE, CA

Great communication and updates. All questions answered and everything explained thoroughly. Wouldn’t go to anyone else but Stephanie and Team for any of our mortgage loan transactions - they are the BEST! - Jeremy - HERCULES, CA

Responsive, informative, prompt, insightful, understanding and always an upbeat attitude when communicating. 10/10 would refinance again! - Jacobo - Apple Valley, CA

Stephanie has been an absolute pleasure to work with. She made the whole refinance process effortless on our part. She kept us informed at all times and communicated clearly. I highly recommend Stephanie and hope to have her assistance in the future should the need arises. Thank you Stephanie! - William - VACAVILLE, CA

🙂👍 - Christopher - Vacaville, CA

Stephanie and her team were so great, they kept me in the loop the whole time and answered every question I had. They were awesome! Thank you so much! - Ryan - Esparto, CA

Stephanie and the team were great! Got into our home right on time overcoming last minute issues - Celia - American Canyon, CA

Stephanie was quick to address all issues and has proactively done all she could to get our closing date on time! Thanks! - Christopher - American Canyon, CA

Stephanie is great! Professional and patient. She explained everything to me and answered all my questions. I will refer her to all my family, friends, and coworkers. - Ricquel - Vacaville, CA

Stephanie and Jason both answered as many questions as they could, and did everything they could to make sure that the purchase went through as quickly and smoothly as possible. - Stephen - West Sacramento, CA

I felt Stephanie and her team were always one step ahead of everything. This being my first home purchase they made everything as easy as possible for me. They definitely will have my business for any future purchases. - Alex - Vacaville, CA

Always kept us informed of the status of our loan. - SUSAN - FAIRFIELD, CA

The refinancing process was made so easy. The communications were timely and easy to understand. I felt confident in each step. I would definitely recommend her to everyone. - Raymond - FAIRFIELD, CA

Excellent follow through and communication... very professional from start to finish! Would highly recommend Stephanie and her team. - Robert - WEED, CA

Stephanie Ham and her team at Caliber Home Loans are the best in the business. I know that I am in good hands and she makes the entire transaction smooth and easy. I trust her judgement to guide me personally through my refinance. As a Realtor, I trust her judgement and patience to help my clients achieve their goals. Stephanie is never too busy, even when I know she is very busy, to answer any questions myself or my clients have. You cannot go wrong with choosing Stephanie Ham as your lender. - Stacey - FAIRFIELD, CA

She was great and handle everything we needed! - Eric - FAIRFIELD, CA

Such a great process from start to finish! Stephanie and her team constantly communicate with you which makes it so easy. I highly recommend Stephanie Ham and her team. - Erin - FAIRFIELD, CA

Stephanie was once again fantastic from start to finish. She set clear expectations and communicated regularly throughout the entire process. She was easily accessible for any question, very knowledgeable, and made sure we understood every step of the process. Her team made the refinancing process seamless for us. We have already recommended her to family members and will continue to share our experience working with Stephanie with anyone we know who is buying or refinancing a home! - Jessica - FAIRFIELD, CA

Stephanie is the best. I recommend her to all my friends. - Matthew - FAIRFIELD, CA

Stephanie and Jason are both very helpful, knowledgeable, and kind. Always professional and easy to work with. - Gary - VACAVILLE, CA

Stephanie was very professional , very Efficient was always there with the answers that we needed . I would definitely tell my friends and family if they need her services. - Arthur - Fairfield, CA

Stephanie and Jason were extremely responsive and moved quickly! - Alycia - Vacaville, CA

I'm happy with my new home. Jason and Stephanie were very responsive and helpful. - Terry - Vacaville, CA

Stephanie and Jason worked quickly and helped me through the whole purchase process in about a month. They answered all my questions, got me a good interest rate and an early close. - tleac326

The team was very helpful and expedient. It was a true pleasure working with them. - Dennis - Vacaville, CA

Stephanie and Jason are amazing, they have been so helpful with everything for us!! I would highly recommend them - Kaylee - Woodland, CA

Stephanie and Jason helped us secured our dream home. Being a first time homebuyer, I had a lot of fear getting the process started, however Stephanie and Jason were very helpful. They kept us informed timely, explained every steps of the process and answered our questions very quickly. I felt their engagement & willingness to help. They will always be attached to this achievement in our lives because they helped us in fulfilling one of our goals as we are the first in our families to own a home - Divine - Fairfield, CA

Stephanie is the best! She placed us in our dream home 2years ago and now she helped us by saving a ton on money with refinance! She is very knowledgeable and a great person to have on your team! - Jennifer - WINTERS, CA

Great communication! - Wendy - VACAVILLE, CA

Stephanie and the lending team were great they maintained constant communication and updates as they arose. They ensured to keep everything on schedule, would definitely recommend to anyone looking for a home loan or to refinance. - Steve - Suisun City, CA

Constant communication was a key - along with ease of getting this done. I've had friends where the refinancing of their loan took several months - this was just under a month. thanks - Craig - VACAVILLE, CA

The whole process from originally buying the house last year and the refinance this year has been so smooth and easy can’t say enough about the whole team! - Jeffery - SUISUN CITY, CA

Great communication along with speedy processing. - Asia - SUISUN CITY, CA

Stephanie was great, informative, and supportive through the entire home buying experience! I was a first time buyer and I couldn’t ask for a better lender. I would not trust going to anyone else in the future. - bprice808

Stephanie and Jason made this transaction smooth and hassle free. Completely understand the landscape we are in right now with limitations in meeting face to face, and the volume of people attempting refinances. Communication was great and always kept us informed on how things were transpiring. We appreciate all the help that they were. - Matthew - VACAVILLE, CA

Stephanie and Jason were prompt with information and their knowledge seemed to know no bounds! They were both friendly and helpful at all points of the process. THANK YOU! - Karen - DISCOVERY BAY, CA

Stephanie kept us updated and informed with every step of the process. She explained things when we had questions. - Lauren - VACAVILLE, CA

It was a pleasure to work with Stephanie & Jason! They kept us up to date throughout the entire process and everything was handled in a timely, efficient manner. I would definitely go to them again! - Mary - FAIRFIELD, CA

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

I have used Stephanie’s services for mortgage refinancing twice. I knew who to call when rates dropped! Stephanie and Jason are professional and knowledgeable . Excellent service. I highly recommend them. - Lisa

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