Mr. Dick and the Caliber staff did an outstanding job guiding us through the home loan process. I highly recommend Mr. Dick if you are looking for a home loan. - Paul - Southport, FL

Steve was absolutely amazing the whole time. Some people complain about the home buying process, with Steve it’s actually a pleasurable experience. - Victor - Lynn Haven, FL

So where do I  start I thought Getting a mortgage would be  so stressful and   nerve wrecking man I was so wrong  my team Steve Dick , Celena Webb and Kathy Hines  made my experience so smooth and easy sailing. The communication was so awesome. Any time I had a question or concern they were very prompt and  I loved it. There was never a time I had to wait for a response. Steve was awesome  explaining the process and walking me through the loan process. Answering any questions I had. - Kimberly - Panama City, FL

Steve and the team are amazing!!!! We had builder delay after delay and the team helped me in every step. I couldn't ask for a better team. - Brian - PANAMA CITY, FL

Mr. Steve Dick, the Loan Wolf, made it GREAT! I refer EVERYONE to Steve!!! - Randall - PANAMA CITY, FL

This was the most pleasant loan experience ever. Steve Dick and his team were informative, helpful, and super friendly. We will be recommending Steve Dick and Caliber Home Loans to anyone looking to refinance or purchase a home. Overall experience....fantastic! - Angela - PANAMA CITY, FL

Seems Steve and others made it happen for us sooner than later and we appreciate it - Daniel - Southport, FL

Great service did everything to help me and my wife close on house. Also provided us information on closing cost assistance. - Cesar - Panama City, FL

Made this whole process really easy, were patient with me. Very nice and always helped me and made sure to let me know pros and cons of buying a home. Definitely will recommend to friends and family in the future. - Alan - Panama City, FL

For first time home buyers, Caliber and my realtor that Caliber recommended found and financed an incredible home. We were blessed to have such a great team to make this huge step in our lives become a reality! - Casey - Lynn Haven, FL

The Caliber team was very professional. - Geralyn - Panama City, FL

Steve Dick and his team work tirelessly to get the best rate for our home. He made it look and like we were his #1 priority. Thank you very much for your effort to save us in the long run! I will highly recommend you to all of our friends and family! Take care and God bless friend! - John - PANAMA CITY, FL

Our situation was a little more complicated than most not to mention we are located in another state and time zone. Steve Dick and his team (Kathy and Celena) were great to work with. They made the process as painless as possible. Very quick to respond to any questions or concerns. We highly recommend Steve Dick to anyone in need of a mortgage loan. - Daniel - Panama City Beach, FL

Great professionalism and genuine concern for their customers that they treat like family. Always prompt with responses, which is awesome when dealing with a stressful situation. Very informative, and knowledgeable about the entire process. Every single person I had contact with at Caliber was amazing. - Stacy - Panama City, FL

Steve was always available and answered all our questions immediately. He was extremely communicative and took the time to lay out our options and explain them. He was always very pleasant and professional. Overall a great experience dealing with him. - Dale - Panama City, FL

Over the years I have bought or refi 4 previous house to this one Steve helped with.. NEVER have I had a person take such a personal interest in our needs, giving sound and solid financial advice and staying engaged all throughout the steps of the process.. Linda and I deeply Thank Steve and Celena for ALL they have done to make this an amazingly smooth and beneficial transaction for us. Pete - Pierre - Lynn Haven, FL

Steve and the whole team that communicated directly with us, Celena and Kathy we're always courteous, efficient and helpful. They did their best to help us out with everything, including explaining things when we didn't understand them which gave us peace throughout the process and helped to mitigate our stress. We always recommend Steve to our friends and family because he has always been good to us! Thank you for all of your advice and help! - Sarah - Panama City, FL

Made the whole first time home buyer experience easy and pleasent - Richard - Panama City, FL

Steve is very knowledgeable and eager to help you through the inevitable sticky situations that arise when buying your dream home. This is the second time he has helped us buy a home and we may never let anyone else help us with the process. - Christina - Panama City, FL

What makes it great for me and others I had referred to is Mr. Steve Dick. He is the best home mortgage agent (refinance person) I've ever dealt with. He is very smart and knowledgeable in what he is doing. He will spend time in trying to think of ways to get the best deal for his clients. He explains things so you can understand. He is up front with you as to if he can or cannot complete the deal or if it is the right fit or not. Very trustworthy and caring person to work with. - Douglas - PANAMA CITY, FL

Caliber did a great job - Peter - Lynn Haven, FL

Right from our initial contact with Steve we were amazed at his kindness and his expertise. He guided us through the process of obtaining a mortgage of which we had no familiarity at all. Steve responded to every phone call, txt message or email with such quickness that were truly amazed. Never once did we feel pressured or rushed; Steve made us feel that he had nothing else to do but to take care of us. We are so very grateful for how Steve treated us; we honestly felt we were family - Arthur - Panama City, FL

Steve was always willing to take the time to answer my questions no matter how minor they appeared to be. Understanding of my anxiety as a first time home buyer who was unfamiliar with the process. Very easy to work with and talk to. - David - Fountain, FL

Steve Dick, Celena Webb and Kathy Hines did an awesome job on my Home Loan for our brand new home that we just bought. Thank you for all of there hard work during our COVID 19 pandemic that our country is having. Thank you 😊 - Keith - Marianna, FL

Steve is the absolute best. I’ve closed many loans over the years and no one has ever even approached his level of knowledge and service. - Eric - PANAMA CITY, FL