David was very professional and very quick to responded to any questions. He walked us through the entire process and was a fantastic advisor from start to finish. - Justin - BROOMFIELD, CO
David Thomas showed me other options when we found out the VA IRRI program was not going to work for us. I really appreciated the help in saving us some money, and getting the refinance done very quickly! - Carl - DENVER, CO
Quick responses, understanding problem solving suggestions for snags in process, since during COVID it’s all online. - Laurie - Arvada, CO
Easy, fast, friendly - Jacklyn - Centennial, CO
David’s team made this the easiest process. They worked hard to help us close on our house early. Everyone was very nice and easy to work with. I wouldn’t think of using anyone but them for future loan needs. - Jeffrey - Gulf Breeze, FL
Great service. Good rates - Joseph - LARKSPUR, CO
David is one of the most sincere and kind people I have ever met. He takes the time to listen and helps answer any questions and is always willing to explain everything so its clear. He gives great advice and he is the kind of person you look forward to doing business with. He is simply amazing!! - Tammy - WESTMINSTER, CO
Responsiveness - do any of you ever sleep? Expertise - knows the mortgage ecosystem like a scientist Trust - unbiased and comprehensive advice regardless of whether a transaction is made or not Client First - partner & advocate This is the second loan with David and his team in as many years, we won’t be going anywhere else in the future. - Randy - CONIFER, CO
David and his team were very communicative, and made the whole process of refinancing really easy for me. And they got me the best loan terms of any of the places I contacted! - Sean - Northglenn, CO
Amazing, quick, simplified communication. Amazing rate, wouldn’t go anywhere else! - Marcus - Tucson, AZ
The Caliber team communicated excellently and the whole process was simple and stress free. - Patrick - DENVER, CO
All remote refi with Patrick Drawe & David Thomas went quite smooth. We had a small hiccup on the appraisal as California doesn’t make things easy but DT & Patt & their amazing assistants were awesome to work with! Highly recommend this team for all your refi & loan needs. Thanks so much David, Patt and Katie Merry Christmas to all! - Eric - REDDING, CA
Fantastic communication, quick follow ups, thorough discussion and explanation of requests and process. - Brooke - Colleyville, TX
We experienced helpfulness and the willingness to work with us from David. He was also honest with us when reviewing our re-mortgage. - Floyd - MURFREESBORO, TN
Dave has always been a great financial resource. I really appreciate that he took the time, even on vacation (which he shouldn't have done, but I appreciate it), to answer questions. I am very, very happy with Dave and Caliber, and I am very happy everything went through and I could continue to use Caliber as my mortgage choice. - Charity - BLACK HAWK, CO
David is always on his A game, he is fast, prompt and professional. I truly appreciate his dedication to strong customer service. - Joseph - ARVADA, CO
Everything was clear and easy. I was informed as to what was needed from me and what my options were. Response time was always quick. - Daniel - Denver, CO
Everyone I was in contact with was very communicating with what was needed on my part and very responsive getting back to me. The whole process was very straight forward and I never had an issue with knowing what was needed on my part through the whole process. - Patrick - Thornton, CO
Excellent communication and routine updates as to status of the transaction. During the underwriting and approval process David was one step ahead of the process and new exactly what was next and was well prepared. He at all times had my information before it was required. - Charles - SCOTTSDALE, AZ
Very responsive. Answered all questions in a timely manner. Very easy to work with. Great team. Thanks Dave. - Eric - Conifer, CO
David made the process incredibly easy. His response time was amazing even when he was not in the office. I would recommend him to all my friends and family! - Brooke - Denver, CO
David is best lender ever. I have had other offers I turned down so I can keep working with David! His level of service and responsiveness is unmatched! - Lauren - LONGMONT, CO
I worked with David Thomas and Caliber Loans recently for a home refinancing. It was a very busy and popular time to refinance with the lower interest rates. Despite this, David was always so quick to respond to my emails and frequent questions. The process was stress-free and I could trust that David and his associates had my best interest in mind. I would highly recommend working with David! - Jennifer - DENVER, CO
This is our fifth financial transaction with David, including buying homes and refinancing. There are many reasons that we keep coming back to him, notwithstanding his above and beyond excellent service to his customers, he is always available and he is honest and never lets us down. He has absolutely swayed us from refinancing when it was not the right time for us. He will look out for his customers above his own financial gain. - Jason - ARVADA, CO
Our second mortgage with David and Caliber has been as great a process as the first. We called him as soon as we began thinking about a move and he referred us to a real estate agent that was great for us. He worked with our team seamlessly and was generous with his time to answer all of my questions and explain my options at every turn. David and his team made our home-buying experience super easy. - Kevin - Fort Collins, CO
David and Katie are the BEST! - Katherine - Arvada, CO
Great communication and smooth transaction. - Daniel - Lakewood, CO
Overall it was a smooth process and I was able to get the entire process completed very quickly. - Fernando - ARVADA, CO
With me all the way - Edwin - GOODYEAR, AZ
Persisted to get us the best deal possible - Marc - ALBUQUERQUE, NM
DT is amazing! Very quick to respond and always happy to answer any questions we had, big or small. It's a crazy time to be refinancing and I was very happy with the constant communication and how David and team worked to make the closing as easy as possible for us during this time. Thank you! - Kate - LOVELAND, CO
The entire team was helpful. - Edward - Loveland, CO
David and his team are very easy to work with and were always super responsive to all my questions & concerns. They made the home refinance process quick and easy. - Philip - PARKER, CO
David Thomas and Pat Drawe. - George - PALM COAST, FL
Overall professionalism & attention to detail - Cynthia - Golden, CO
This was probably one of the easiest transactions I've had with refinancing. Thank you Patt Drawe for getting the correct person, David Thomas, to work with, since I live in Florida - Virginia - PALM COAST, FL
I appreciate David and his team. Made our experience very easy. - Andrew - GOLDEN, CO
David and his team are amazing. They are responsive, helpful and always quick to provide the information we need. Though I am convinced that they never sleep or leave the office, we benefit by receiving answers at lighting fast speed and by their streamlined processes. We know that they have worked hard to find us the best rates and/or refinance scenarios in all of the transactions we have done with them. We couldn't be happier with our experience with David, Katie, and the rest of their team. - Shannon - ERIE, CO
. - Zaira - DENVER, CO
The entire process went very smoothly. Communication was excellent. - Pamela - Denver, CO
David is incredible. Always quick to answer and has our best in mind. - Adria - Castle Rock, CO
The quick response to questions and support was helpful to reduce the stress - Anthony - Rossville, TN
This was the first time we went through this process and really appreciated how available David was. He also helped us understand everything we had questions about and had our best interests at heart. - Evelyne - DENVER, CO
All questions answered very quickly, even after hours when you thought you wouldn't here back till following business day. Caliber made it quick and easy to secure a home loan. DT team was great to work with and I would definitely refer them. - Christopher - Dunlap, TN
David Thomas and his staff were very helpful and courteous. They had the answers to all our questions. I would recommend them highly to anyone looking to buy a new house. Thank you very much! - Deborah - Greeneville, TN
David was very easy to work with and very responsive! - Caitlin - Denver, CO
Working with David and his crew was a pleasure. They kept us informed at all times thru out the process . David was very knowledgeable about everything from A to Z. You should have 10 guys like David. Thank you all for helping us into our new home. - Dennis - Greeneville, TN
- Kristina - CARBONDALE, CO
Excellent communication and how easy everything was! Thanks! - Jennifer - LITTLETON, CO
Easy to get in touch with. Always honest. Willing to work with you and get the price that would best with you budget. - Donald - Denver, CO
David and team were always lightning quick to respond to any questions or concerns we had! - Chris - Castle Rock, CO
- Wenyi - Lakewood, CO
They worked with me to get me the best loan possible. - Blake - Westminster, CO
NA - Jonathan - SAN TAN VALLEY, AZ
This was my 2nd home purchase with Caliber loans and Dave Thomas. It's an easy, smooth and painless process. Highly recommended! - Benjamin - Arvada, CO
Everyone was friendly and exceptionally responsive! - Nathan - BROOMFIELD, CO
Dave was very straightforward and quick to respond to any questions I had. He made the home buying process easier for us for sure. - Ali - Littleton, CO
Super easy process to purchase my first home. - Kayla - Denver, CO
. - Cody - Colorado Springs, CO
David is GREAT - he has always been very helpful and honest; I have complete faith and trust in him and his advice. - Dawn - EDWARDS, CO
The whole caliber team is incredibly helpful and quick to respond which makes the difficult process of buying a home a lot better! - Todd - Grand Junction, CO
Very professional. Answered my questions and made the process easy. I have used Dave and his team at Caliber previously and had no doubts that the service and product would be great. - Rebecca - ARVADA, CO
David is friendly and knowledable. But what really sets him apart is the lightning fast response times. It made the process that much easier. I’d recommend him in a flash. - Tina - Westminster, CO
During these times with COVID things are tough for all of us. I thank you for all your help to make the transition go smoothly. - Charles - EDWARDS, CO
David and his team were very easy to work with and made the origination process. - Ashlee - Trinity, FL
David and his team were amazing. They made the process so easy and seamless. - Orla - ERIE, CO
Fantastic! - Brett - ERIE, CO
Everything during this transaction was amazing and seamless. The team was in constant communication & explained everything along the way so we were able to close in 30 days with no issues. Would do it again tomorrow with this group - HIGHLY recommend! - Margaret - Boulder, CO
David was a pleasure to work with from start to finish and replied instantly throughout the entire process despite being busy with these historically low rates, providing me guidance throughout and saved me a ton on our monthly payments. Thank you David! - John - COLORADO SPRINGS, CO
We really enjoy working with David. He is very knowledgeable and helpful. He is always on top of things and is very communicative throughout the entire process. We couldn’t imagine working with anyone else. - Timothy - Parker, CO
David was a great help! - Chelsea - San Diego, CA
Thanks - Noel - LAGUNITAS, CA
David is a great communicator. He answered any and all questions almost immediately no matter what time or day. The rest of the staff is also extremely nice and helpful. - Michelle - Arvada, CO
DT and team were awesome as always!! - Thomas - LONE TREE, CO
The professional & courteous service along with the great communication & timely responses. - Emilio - CHULA VISTA, CA
David was great to work with on our first home. He and his team were very responsive and helpful along the process. Would definitely recommend! - Ian - Aurora, CO
David was the best thing to happen to us when we were in the market for a loan. He was the fastest responding person with the best rate in the city. Helped us time and time again while explaining things to us at any time of day / night. Would and will be recommending him to everyone. - Tyler - Denver, CO
Responsive, honest, simple process to refi. - Jeremy - MONUMENT, CO
David and team were very personable and extremely responsive. We felt like we were their only clients. We would definitely recommend Caliber to anyone. - Matt - Highlands Ranch, CO
David Thomas was AMAZING to work with throughout our home refi process. He was always timely with response to questions. Beyond that, David has been our mortgage broker since we originally purchased our home. He is super responsive with any questions. I would highly recommend David and Caliber to anyone. - Danae - Arvada, CO
The entire process was easy and seamless. David replied to every question within minutes. Could not have asked for a better experience. - Brittany - Lone Tree, CO
Competitive market rates coupled with David's excellent communication. - Corey - BUENA VISTA, CO
David was extremely knowledgeable and very quick to respond to all the questions I had as they arose. - Daniel - Copper Mountain, CO
Great communication, easy to work with. - Ralinda - AURORA, CO
DT and his team were fantastic to work with as a new home buyer. Ultra responsive, professional and very clear. So glad we went with Caliber! - Elizabeth - Aurora, CO
David is incredibly responsive and on top of everything! - Erika - Durham, NC
Dave and his team did an amazing job. Super fast and seamless. Great experience! - Adrian - BANNER ELK, NC
David was extremely responsive, professional and got everything done in and quick manner. I was very satisfied working with Caliber and would highly recommend him to anyone looking to buy a home. - Alexandria - Saint Paul, MN
Personal service that went the extra mile. We ran into a few bumps along the way, but the team communicated well - Kassia - BANNER ELK, NC
David is straight forward, practical and prepared to do what it takes to achieve your financing objectives. He is a professional and a great person to work with! - Sherry - AUSTIN, TX
We have used David and his team several times for reifying or obtaining new mortgage loans , we have referred him to friends and family as well . We have always been very happy with doing business with him ,we've always trusted in his professional opinion and have never been disappointed . His team is quick and efficient! - Travis - EATON, CO
David and Katie were amazing through the whole entire process. They were so quick to get back to me and so knowledgeable about everything. I one hundred percent would recommend them to anyone I know. - Aubrey - GOLDEN, CO
David is very easy to work with. He responds to your questions and requests right away and he sends you all the in formations you need to move forward with the process. I am very happy my family is in business with Caliber Home Loans. - Dan - BRIGHTON, CO
Very knowledgeable and helpful to work with - Weston - Littleton, CO
Great experience and on top of the process. - Andrew - Commerce City, CO
Great service. Easy process - Candice - COLORADO SPRINGS, CO
My original loan was in 2012 and I have refi three times since then and all of them have been with David and his team. They provide excellent customer service, answer all my questions, let me know what is next in the process, and communicate well with everyone involved. Thank you so much! - Emilee - ARVADA, CO
Helpful, great service, very quick responses, and I always felt his advice was honest. - Dana - COLORADO SPRINGS, CO
Fast and easy communication. Everything was made easy. Thank you. - Eric - Minneapolis, MN
Great communication, quick, friendly, efficient service! - Megan - Denver, CO
Working with David and his team makes buying a home easier. I have and will continue to recommend people give him a call. - Travis - Longmont, CO
David has helped us get into our first house after many years of trying. He gave us great advice to help us get to a place to actually buy! We are so thankful for David's kindness and patience! - Hannah - Westminster, CO
David was very prompt in all responses, and is very knowledgeable. - Carissa - Black Hawk, CO
Shannon Griffin and his team were amazing to work with! - Charles - RIO RANCHO, NM
Easy to work with, thorough, knowledgeable and responded quickly to inquiries. - Candace - Littleton, CO
Great communication. Consistent and timely updates on progress of loan application. Mutual appreciation of efforts to expedite process. Process completed on time as promised. - Larry - Littleton, CO
David was on top of everything we asked of him. My realtor told us that he was amazing and really easy to work with as well. Overall this first time home owner experience has been smooth, stress free and quit a joyful time. Stoked we decided to go with him and his team. - Leigh - Black Hawk, CO
Very easy and painless! - Valerie - BRIGHTON, CO
David was very quick to answer any questions I had. He was quick and friendly! - Elise - Phoenix, AZ
Dave and his team are by far the most attentive and professional brokers I have ever worked with. Anything you need they are there for you in a timely manner. I would recommend Dave and his team to anyone I know. - Nolan - Denver, CO
David's communication was quick and very helpful. No issues whatsoever - Mark - Castle Rock, CO
Good communication and guidance through a very complicated transaction. Most documents can be handled virtually. - Anita - Green Valley, AZ
Only thing, it seemed to take a very long time. - Brittany - ARVADA, CO
David was very attentive to my needs and responded rapidly to anything that I needed from him. - Michael - Northglenn, CO
This process was so easy. David was very responsive and his team was very helpful. - Beth - Denver, CO
David and his team were amazing throughout the whole process! Not only did they help us to understand everything but also were available whenever we needed them. I would absolutely recommend them to everyone. - Lauren - Arvada, CO
Dave Thomas! He is amazing, I won’t work with anyone but this awesome individual. His Professionalism and Communication are incredible. - Heath - DENVER, CO
They are always quick and precise with information and answer all of our questions. We purchased our home with them and didn't think twice about staying when we refinanced! - Tia - THORNTON, CO
The whole process start to finish was fast, and very convenient! We appreciate how easy this process was for us. - Joshua - THORNTON, CO
Very smooth with no bumps. Communication was great. - Alice - New Braunfels, TX
Mr. David is Amazing and very easy to work with. THANK YOU!!!! - Quintin - Schertz, TX
Very helpful - Cody - Arvada, CO
Katie and David were both great at helping me through my refinancing. I always got quick responses and the process went very smoothly. - Angie - Johnstown, CO
Dave is very knowledgeable, responsive, and great to work with. - Alec - Spicewood, TX
David was one of the best people I have EVER done business with. His response times were impeccable and he was personable. I would do business with him again and refer friends and family. - Sarah - Chapin, SC
I was so impressed with the responsiveness I received from David Thomas and his associates. He and his staff were welcoming and very professional. They always took time to answer my questions and concerns. Mr. Thomas is an asset to Caliber Home Loans. I can't say enough good things about him. Thanks! - Scott - Fort Myers, FL
Easy to work with. Very clear with expectations and info. Very satisfied with their service. - David - Arvada, CO
Dave is the ultimate expert. He was extremely responsive, weekends, day or night. He provided great advice and was a delight to work with. He has a wicked sense of humor and made the entire process easy and stress free. Katie who was my point of contact was equally enjoyable to work with. I highly recommend him and his team! - Patricia - Centennial, CO
David and the whole team make it very easy and understandable to get through the process of refinancing. - Nancy - Arvada, CO
DT and Erin were fantastic to work with. They were very responsive, knowledgeable, and made the entire process extremely easy. The interest rate they got me was also very competitive and the fees were very reasonable. I will be going to them for all my future mortgage needs. - Cristen - Golden, CO
Dave and team were on top of everything. I always received timely updates and information. They made the process easy and seamless. You can tell the team works hard and is passionate about making the closing easy for the customer. - Sara - Limon, CO
It was great to be able to use my smart phone to complete all the paperwork. David did a great job letting me know when a hard deadline was upon me. No surprises. - Pamela - FREDERICK, CO
Always responded in a timely manner to any questions or concerns we had. - Joseph - Lancaster, CA
Prompt communication and a willingness to explain things, sometimes more than once. - Kailas - Arvada, CO
Very responsive and acts properly in due time Everything went smoothly. Glad to work with. - Rengin - Golden, CO
Very professional and very patient with not only a thorough understanding of the process but able to help put things in layman’s terms so they make sense to the client. Most importantly, his communication and ability to answer the phone or call back within 5 minutes, is second to none! Unbelievable service and has a great team that gets things done efficiently! - Wesley - Brentwood, TN
David was very pleasant to work with we have purchased many homes and this one was the easiest . David was always easy to reach and he returned all of calls in a very professional way. Caliber is. Very well represented by David Thomas. - Donald - Crossville, TN
David has always been very responsive. Katie was awesome as well as was the lady that met with me when I signed my closing papers. I referred 2 friends to David when home rates dropped. A great experience overall! - Tyler - Elizabeth, CO
Good communication. It was an easy process - Randal - FREDERICK, CO
Quick response time. Easy to contact. Very professional and friendly - Janine - Lakewood, CO
David did an excellent job of being available to us whenever we had questions, and was always very pleasant and great to work with. He’s incredibly knowledgeable and we felt very lucky to work with him. He made the entire process go smoothly from start to finish. - Max - Denver, CO
David has been very helpful throughout the whole process. Would highly recommend. - Marcos - Platteville, CO
David ans his team are top notch! He always responds promptly and is extremely helpful! - Jodi - Denver, CO
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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.
Refinancing your existing mortgage may be easier than you think.
Learn More >>Do you have questions about lower down-payment options?
Learn More >>Refinancing your existing mortgage may be easier than you think.
Learn More >>Do you have questions about lower down-payment options?
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