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

Working with Frank and his team was so easy. They're a professional team and will definitely use them again or refer to them any of my friends, family or colleagues. Great job Team Gemma! - Denise - Bradenton, FL

Great communication - Eric - Bradenton, FL

Very happy with communication they were there for all your questions - Augustine - Palm Harbor, FL

Took care of everything we needed. Quick responses and very thorough - Robert - TAMPA, FL

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