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

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