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

Great service! Frank was very informative and trustworthy. Refinance completed within a month. - Marian - CLEARWATER, FL

Everyone on the team was very helpful and explained the process to me in a way I could fully understand, and always answered any emails or calls quickly. Frank made me feel like I was his only customer, always had great communication, set up calls with me to explain things and even sent a video when it came time for closing to explain the process at hand. I couldn't ask for a better team to work with and feel at home with. Thanks to all of you! - Diane - Clearwater, FL

Everything was very fast and well communicated. - Chad - Holiday, FL

Everyone at the office was attentive, detail oriented and friendly. We had no issues. The staff communicated effectively what and when things needed to happen. - Leland - Brandon, FL

Kept me very informed and explained any questions I had. And the team was very responsive. - Scott - Palm Harbor, FL

Very thorough, and patient explained everything. - Jesus - Palmetto, FL

Everything was very smooth - John - SAINT PETERSBURG, FL