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Being the first-time home buyers we were, my husband and I were a little intimidated by the whole process at first. OJ was great from the very first consultation. He never made us feel pressure and laid out our options in a simple fashion. Throughout the process he was always attentive to our needs and dealt with difficult issues so we didn't have to and made suggestions that benefited us, a lot! Most of all, we could trust that we were good hands.
This was great experience. It was like conducting business with close family friends. Everyone was so helpful and responsive. And we loved the click signing! There were many required documents and the click sign feature made it so easy!
We have worked with OJ and his team for over 20 years and I can honestly say they are the best at what they do! Top-notch service, efficient, thorough, confidential. OJ has helped us navigate various mortgage issues and always finds the best path for us saving us time and money.
Treated like family from day one. Quick responses and always helpful. Excellent service from start to finish.
OJ is very thorough and keeps one apprised on all the steps in the process. He is a pleasure to work with. (Second time!)
Caliber has always been friendly and helpful in every interaction...from customer service questions to a complete refinance.
OJ and Kathy make an excellent team. They were constantly in contact with me throughout the entire process and always provided me with quick and knowledgeable answers to all of my questions. As a first time home buyer, they truly made this a smooth and painless process.
Very fast and efficient staff; very personal and informative. Quick deal was really surprised how fast the loan was completed.
Knowledgeable, responsive, and highly professional. OJ Vallejo was a pleasure to work with, and I will consider using him in the future and recommend him to others in need of a great lender. Thanks.
I cannot begin to describe how helpful OJ and his staff are. I could not have done this without them. I needed someone to guide me, step-by-step, and OJ did that for me. I had a very complex situation with my refinance, and OJ never blinked. When I was frustrated, and freaking out over my situation, OJ was there for me.
OJ and Kathy were great to work with! I had a bad experience with another bank so was very anxious about how it would go. OJ answered all my questions, promptly and in great detail, and was always willing to get back to me quickly with all my questions. I felt completely reassured and confident things would go smoothly and in a timely fashion. I felt truly like a partner in my own refinance process, and I would highly recommend - and have recommended - OJ to anyone looking for a great mortgage broker. Thank you!
O.J. Vallejo and his team here in Sacramento, California, were extremely helpful from start to finish and readily available to answer any questions I had each step of the way.
I have been working with the loan officer for years. His client skills and attention to detail make it so I couldn't work with anyone else. As far as Caliber, I really appreciated the delivery time and the personal attention paid to getting the loan funded quickly.
O.J. Vallejo, our Sr. Loan Consultant, was fantastic through the entire process. He really had his finger on the pulse of our loan from start to finish.
Testimonials are individual experiences, reflecting real-life experiences of those who have used our services in some way. However, they are individual responses and results vary. The testimonials are not necessarily representative of all of those who will use our services.
With 22 years of experience in the mortgage industry, I’m dedicated to ensuring that my team of Loan Consultants provide the ideal products and services to borrowers here in California. Personal integrity has always been at the heart of my success, and as Branch Manager, I keep this in mind while building Caliber Home Loans’ professional business presence here in the Sacramento region.
Caliber’s competitive loan financing rates, combined with our state-of-the-art technology and dedicated support staff, enable my Loan Consultants to provide my branch’s borrowers with one or more innovative loan options. In addition, since Caliber is a dedicated mortgage lender, we can offer you a wider selection of loan products than many banking institutions. These include Conventional, VA, FHA, and specialty loans.
Thank you in advance for choosing Caliber Home Loans to assist you with one of life’s most important financial transactions.
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Private Mortgage Insurance typically costs between 0.5% to 1% of the entire loan amount over 80% LTV on an annual basis.