• Find Your Loan Consultant

  •  APPLY NOW

  • Find Your Loan Consultant

  •  APPLY NOW

Loan Consultants

With over a decade of lending experience to draw upon, I’ve closed over 700 transactions for borrowers in the Foothills, Bay Area and both Northern and Southern California. In addition to FHA, VA, Jumbo, and Conventional loans, I’m also familiar with local down payment assistance programs that assist homebuyers who may lack the cash to close a loan. Since Caliber’s originations system is web-based, I can create a virtual office in your home or office. This support my hands-on approach to customer service, which includes making myself available to you evenings and weekends. After I explain how the loan and credit process works, we’ll discuss your personal preferences and budget requirements. If you’re working with a REALTOR®, I can ensure that your purchase contract is written in harmony with your loan program. I pride myself on delivering my loans on time without hidden costs or last-minute problems. Please take a minute to view my client testimonials – you’ll find many happy borrowers. Many have returned to me as move-up buyers or when it was time to refinance their existing home. Almost all have referred friends, family and colleagues to me. For a free evaluation of your existing mortgage or to get pre-approved for a new one, contact me at any time directly at 916-798-2601.
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$
$
%
$
years
%
$
/ year
%
$
/ year

Private Mortgage Insurance typically costs between 0.5% to 1% of the entire loan amount over 80% LTV on an annual basis.

$
/ year

Your Monthly Payment

$1,512.46

Your Payment

Monthly Principal & Interests : $1145.80

Monthly Real Estate Taxes : $316.67

Monthly Insurance : $66.67

Monthly PMI : $0.00

Total Monthly Payments : $1529.13

Additional Information

Loan To Value Ratio : 80.00%

Months With PMI : 0 months

Educational Block

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What to expect

when refinancing.

Refinancing your existing mortgage may be easier than you think.

Learn More >>
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What is the process

for buying a home?

Caliber Home Loans, Inc. ("Caliber") has streamlined the process for you!

Learn More >>
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Smaller down-payment

program options.

Do you have questions about lower down-payment options?

Learn More >>

Loan Consultants

Let’s start this
journey together!

Apply Now
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*Closing cost offer available to customers who apply for a new purchase loan. Only available for single family primary residences and existing Caliber customers. Credit provided at closing. The offer is nontransferable and can only be used by the intended recipient. Advertised discount can only be applied toward payment of closing costs up to a total amount of $1,000 subject to product underwriting guidelines. Any portion of the discount amount not used toward closing costs will be waived.
  
  **A pre-approval does not signify that all underwriting requirements have been met. Actual terms, including interest rate, are subject to change without prior notice and may vary based on eligibility criteria. All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Please contact Caliber for additional details.
  
  ***The lock will be honored up to 75 days total. Your rate is protected for up to 30 days to shop for a home. Once you identify a property, your rate will be locked for an additional 45 days. All rate lock extensions are subject to Caliber’s standard rate lock extension fees All rate lock extensions are subject to Caliber’s standard rate lock extension fees. Not available for all loan products. Please contact Caliber for additional details.
  
  ****Caliber agrees to pay the borrower the amount of the earnest money deposit (up to $5,000) following the home loan closing, if the loan does not close on or before the contract closing date due to a delay caused by Caliber. Void if there are any material changes to income or assets. Offer requires 30 business days from Caliber’s receipt of purchase contract to closing date. Other requirements include: Minimum 700 credit score, owner occupied purchase transaction. LTV and property type restrictions may apply. Available only through the Caliber Retail Channel. Payment may be subject to reporting for tax purposes. Please contact Caliber for additional details.

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