The communication the ease of applying and uploading docs - Michelle - Largo, FL

Frank and his team were helpful and prompt when answering our questions. - Kimberly - ODESSA, FL

The overall support I received through the process was second to none! - William - Seminole, FL

Frank and his team did a great job making what can be a stressful situation better. They answered all my questions with patience and professionalism. I would definitely use the team again for future real estate purchases. - Karey - TARPON SPRINGS, FL

Frank made the process easy. Many of the forms were completed through their portal. - Teresa - OLDSMAR, FL

Frank was responsive and informed, walked me through the process and made sure all my questions were answered. - Kenneth - Land O Lakes, FL

Everything went smoothly! - Joshua - TARPON SPRINGS, FL

Frank really went out of his way to help us get our loan - Brenda - Ocala, FL

Everything was great - Jeffrey - Tarpon Springs, FL

The whole experience with caliber home was incredible process make it seem so easy the whole entire team is amazing highly recommend it!! - Latsamy - Temple Terrace, FL

Frank and Team were professional and stayed in constant communication throughout the process. We are very pleased with Team Gemma and Caliber. Thank you for this excellent experience. The Stacy Family. - Theresa - Trinity, FL

Frank was very responsive, he answered all questions, he looked out for our best interest, and he kept up very informed throughout the entire process. - Katherine - Clearwater Beach, FL

Frank and his team did an awesome job again for us, this time with an amazing deal on refinance our home. Highly experienced and great customer service. Thank you again. - Daniil - Spring Hill, FL

Frank & his team communicated well and explained everything throughout the whole process. They were very friendly, professional and responded very quickly. It was a great pleasure working with them and I wouldn't hesitate to recommend them to anyone else. - Kevin - Brooksville, FL

Transparency from not only Frank but entire staff. I felt any questions I had were answered thoroughly and always in a timely manner. It was a pleasurable and simple experience working with caliber loans. Sincerely, Matt saracino - Matthew - Tampa, FL

This was the easiest home loan I have done so far. Frank and his team kept me updated with every step. Highly recommend them to anyone. - Christopher - Palm Harbor, FL

Staff was great to work with - Katherine - Winter Haven, FL

Everyone on the team was quick in responding, easy to work with and clear about what needed to be done. Frank called a number of times to talk about where we were and what steps were coming up next. I’ll definitely work with this team again. - James - Clearwater, FL

Frank Gemma is very knowledgeable and answers any questions you may have regarding your loan. He guides you throughout the process. Highly recommend! - Lisa - Palm Harbor, FL

professionalism, communication, advice were all great - Tirk - Hudson, FL

The team is very personable and responsive. The BEST! - Loretta - Zephyrhills, FL

Frank is always very responsive to questions and is very specific about what we need to move forward. I've contacted him previously about other transactions and he's always quick to get back with an answer. - Matthew - Zephyrhills, FL

Frank was always very available and helpful 😁 - Nicolas - Quincy, FL

Frank and his team made my refinancing process SO easy. If there was a roadblock in the process, Frank got on it right away to find a solution, giving me the best overall outcomes. I absolutely would use Frank and his team for any of your mortgage needs. Thanks Frank! - Kaycee - Seminole, FL

Frank, and his team, were always there to answer any questions. They were very helpful and kind! - Tamara - Seminole, FL

This is my first time buying a home and I had many questions when it came to finding what was right for me. Frank was always responsive and there to help/walk me through things. - Andrew - Tampa, FL

We appreciate the excellent rate and the work put into completing our loan. Great communication and flexibility by the Caliber team. - Eric - Seminole, FL

Fantastic, I will recommend them to anyone looking for a home loan. - Alanis - Saint Petersburg, FL

Frank provided a clear path from start to finish and answered any questions I had along the way. He was always available as a resource during each step of the home buying process. - Michael - Saint Petersburg, FL

Professional, thorough, prompt, courteous, everything was seamless with this loan. This is my 5th home purchase and I have dealt with many lenders in the past I was not too fond of. Frank Gemma and his team are top notch. I would not hesitate to recommend Frank to anyone. - William - Tarpon Springs, FL

As first time homebuyers, we were weren’t sure how the home buying process went. Frank and his team did a great job of walking us through every step and staying in communication with us every step of the way. I woul huh it recommend Frank and Caliber Homes! - Darius - VALRICO, FL

All of the people involved in Team Gemma are friendly, well informed and patient. Frank has a terrific staff and is well spoken. I was always keep informed and reminded to get each form needed into team Gemma in a timely matter. - Patricia - Palm Harbor, FL

Team Gemma kept us informed every step of the way. When we started the process, Frank was so patient and understanding to our needs and concerns, and gave us great detail of what will happen next or what to expect. They were incredible! - Ward - Pinellas Park, FL

Frank Gemma was amazing! Being a single first time buyer on my own he made the process easy, made me feel comfortable with all our communications and helped me understand every step of the way. I can’t express how thankful I was to have him as my lender. I truly feel with his help and support he made buying my first home possible. A Huge thank you to Frank! The rest of team Gemma were also great with communications with me through process. Would definitely recommend them to everyone I know. - Dawn - Gulfport, FL

Thank you Frank and team, you guided me every step of the way in a timely manner - perfect level of communications, I will certainly refer anyone with loan needs to you in the future! - Jamie - Largo, FL

Thanks to everyone that worked so diligently on my Refinance, everyone was very pleasant and patient with me. I am one of those individuals who is practically illiterate with modern technology . Inspite of those mentioned road blocks, the end result was successful. Frank, it is because of your keeping in touch via E-mail,I was finally able to take advantage of your company and if needed will come back again. Thank You, Sincerely Ann Brunson - Ann - NEW PORT RICHEY, FL

Communication and efficiency. - Trey - Valrico, FL

Frank and his team are so responsive and efficient. They kept me informed through the whole process and made it super pleasant for my customers. I trust Frank with all of my customer’s loan approvals and closings by hey go above and beyond the call of duty. Thank you! - Carol

This was my first time buying a vacation home; a condo. In addition, I live out of state. Two other lenders from two different companies told me they couldn't get me the loan. Then I found Frank Gemma. Communication was smooth and easy. And he did what noone else could. Bucket list item complete, thanks to their team! - Candy - Clearwater, FL

Frank and his team made this entire transaction seamless. Very efficient and we always felt as though we were in the loop with the process. This is our second experience with Frank and we will use him again if we ever find the need to finance another home. - Stephan - CLEARWATER BEACH, FL

Frank was a pleasure to work with - Cathleen - Palmetto, FL