Great communication and stress free - Mayra - TAMPA, FL

After other lenders said it couldn't be done, Frank Gemma and his team worked very hard for us to make the impossible possible! Our family is truly grateful. - Roberto - New Port Richey, FL

Overall had a great experience with Frank and his team! They were great in answering our questions and explaining the process to us first time home buyers. If there ever was any confusion, they were quick to resolve the issue and were courteous throughout. Would certainly recommend this team to anyone looking to purchase or refinance a home! - Matthew - Saint Petersburg, FL

Frank helped my buyers close on their new home with a seamless & smooth transaction. Kept in constant communication with me, the buyers, and all involved parties and stayed ahead of the game with any issues that arose. Great lender to work with, will definitely recommend to future clients looking to finance a home. Thanks again, Toni Martin, Realtor Keller Williams Realty - Toni

The process of obtaining a home loan with Caliber was smooth overall there was a little delay at the end to no fault of theirs in dealing with FHA, but they helped through with proper communication & follow up & got it done. Happy with my Results. Thanks Frank Gemma & Caliber Home Loans. - Gary - Clearwater, FL

Frank, Derri and the entire team at Caliber made this process so easy for us. My brother and I are first time home buyers and has absolutely no clue as to what this process entailed. Frank and the team walked us through step by step and helped us so much. Thank you Frank and Team!! - Haleigh - CLEARWATER, FL

Frank and the whole team at Caliber made buying my first home a BREEZE! I knew absolutely nothing going in to buy my duplex and I can’t begin to explain how amazing the entire team at Caliber was during the whole process. I had many stupid questions and repeat questions, and every time I got immediate help. I would highly recommend Caliber to anyone looking to purchase a home. They truly were amazing. Thanks so much!! Couldn’t have done this without you guys! - Haleigh

The team was there to help us every step of the process. Responses were quick and the information was clear. I trust there expertise and trust them to help me through the process. They were very professional, even when we changed directions mid process. I wish all businesses conducted themselves in this fashion. Thank you for a great experience!!! - Loretta - Zephyrhills, FL

Frank and his team are amazing and first rate. We used them for our initial finance and it was a no brained for our refinance. He took the time to make sure it was a sound financial decision for us before we proceeded with everything. His communication was always immediate and very understanding. Team Gemma was very informative of every step we were taking and made everything easy and smooth from the beginning! Amazing all the way! - Sherry - APOLLO BEACH, FL

Frank goes above and beyond to make sure his clients fully understand the process. He is incredibly helpful from potential investment to close. - Matthew - Palm Harbor, FL

Team Gemma was wonderful in the process of securing our home loan. They were there every step of the way and made the process worry free. - Sabrina - Largo, FL

Frank and the team were available every step of the way and able to communicate clearly with all the questions we had! - Logan - Largo, FL

The whole process was great, Frank and his team were there every step of the way. Always available to answer my phone calls and thouroughly explain anything that was unclear to me. - Neven - Clearwater, FL

Frank worked right to the last hours before closing to unravel a last minute title question. He pulled a rabbit of the hat and we closed by the end of the day as planned. - Jonathan - SAINT PETERSBURG, FL

Frank was very responsive and handled questions quickly. His team kept me up to date on the progress of the loan. He set a good expectation on when closing would occur and hit the mark. - Daniel - SAFETY HARBOR, FL

Frank is a genuine professional! He spends the time to listen and is great at communicating. This was a challenging scenario and he took it to the finish line! - Lisa - Clearwater, FL

Great job, fast, efficient, and great communication. - Timothy - Tampa, FL

The team was communicative, helpful, and guided us every step of the way. I will continue to send all referrals your way. Thanks for taking such great care of us! Melissa and Brian - Melissa - Safety Harbor, FL

Frank is very reliable, customer service driven and honest. - Elizabeth - SAINT PETERSBURG, FL

Frank is extremely knowledgeable and someone we trust. He leaves no uncertainty and is always willing to help or answer any questions. - John - CLEARWATER, FL

Frank is amazing. He helped my mother, my brother, and now myself with the home loan process. He COMMUNICATES. Frank was very clear, and there were no surprises. He was always one step ahead and made every day, from pre-approval to closing, very easy. I am very happy with Caliber, and mainly Frank. I've recommended him to my co-workers. - JUDIAN - Tampa, FL

Frank was very friendly, knowledgeable and easy to work with. The process went like a breeze. - Deanne - DUNEDIN, FL

Frank and his team made the process so much easier for me. They were referred to me by a family member that also had a great experience working with them. Communication was very good and I felt they cared for me as a client and provided with the best options for my situation. - Emmeth - Tampa, FL

Frank was very efficient, informative and knowledgeable. - Rosemaria - Tampa, FL

Always kept me informed. You and your team worked really hard to close and you guys made it possible. We are very grateful for your hard work. Thank you - Yanet - Zephyrhills, FL

From the beginning to the end the overall experience with Frank and Caliber was fantastic, they were helpful, and worked with me through everyting professionally. They were patient and very kind and the process went smoothy and they worked hard to get me the best deal. I will use them again and again and recommend them to all my friends and family. - Timothy - CLEARWATER, FL

Frank was a great guy to work with. Very knowledgeable and answered all my questions. Also the staff is very helpful, professional and friendly. Would use this company again without question! - Ray - Lakewood Ranch, FL

Frank worked with me for almost a year to help guide me through the refinancing of my home. He's the best Mortgage broker I know and I'll be reccomending him to anyone who needs a house or refinancing. - Jerry - CLEARWATER, FL

Frank did an awesome job getting the numbers where they needed to be so we could make this happen - Michael - New Port Richey, FL

2nd time we used Frank Gemma with Caliber Home Loans. His team made it easy to work with and was in constant communications throughout the whole process. - Christine - Saint Petersburg, FL

Process was easy and great people to work with! - Michael - TAMPA, FL