Scott was fantastic! He went above and beyond to answer all of our questions, explain everything we didn't understand, and find the best loan for our situation. He made himself available at any day or time which was crucial in this crazy market! Everyone at Caliber made the purchase of our new home seamless and easy! We would 100% recommend! - Cynthia - Sykesville, MD
05/16/2022

Scott was absolutely amazing. Answered every question was very fast to respond. He is beyond knowledgeable and we are beyond great full for all he has done - Eric - Hanover, PA
05/13/2022

Scott makes you feel like family ! Thanks again brother ! - Romulo - Thurmont, MD
05/12/2022

My husband and I had a great experience with Scott and Caliber Home Loan. It was stressful to find a right deal in the current real estate market and it's our first time applying for an investment property loan. But Scott and Caliber was taking away some of the weights. Scott was helpful, professional, quick in response, and excellent in communication. He cleared any concern and question that we had. We appreciate it! We will definitely recommend your service to our friends and family. - Hieu - Columbia, MD
04/29/2022

Always responsive, provided a variety of options for any home estimate. Always seemed to have our best interest in mind. Answered all if our questions even if we were asking them for the 3rd or 4th time. - Matthew - Westminster, MD
04/25/2022

Speedy work , addressing clients need and answering all questions promptly, understanding the unique situation and being respectful to all concerns of the client, resolving difficult circumstances, being flexible. - Sabina - COLUMBIA, MD
04/19/2022

Scott is always AMAZING! All ways, always. He is the best - Jessica - ELKRIDGE, MD
04/07/2022

Scott and his team were amazing! Communication and attention to the detail at critical junctures of the process were key and definitely put our minds at ease. - Boris - DAYTON, MD
04/03/2022

Scott was fantastic! His level of professionalism is top notch. He explained everything thoroughly and we were approved for our home loan quickly. It was a pleasure working with him and his team!!!!! - Priscilla - Glen Burnie, MD
03/27/2022

The entire process was smooth & easy! - Darien - Baltimore, MD
03/25/2022

Scott and his team were very knowledgable and curtious walked me through the entire process. They got my loan approved quickly and setted on time. Thank you very much. - Donna - Forest Hill, MD
03/24/2022

My overall experiences in dealing with Scott Berngartt has been consistently professional from the initial VA Mortgage Application in 2019 processed and completing back then, to a recent 2022 inquiry about a possible VA Cash-Out Refi process. Scott took time to fully understand our Ref Goals, He educated us on the entire process. identified all key issues and diligently worked to assist us from start to conclusion. We had been solicited by many VA Lending Officer from lenders on a nationwide basis, BUT most made us feel like we were just another customer lead AND did not take time to fully explain the process, confirm our understanding, and express interest in our particular VA Refinancing Goals. Although some lenders offered seemingly better financing representations, BUT they failed to exhibit the same professional qualities stated herein. As a result, as the Primary Lender and Veteran, I checked with a Housing Rep at the Department of Veteran Affairs and briefed him about the many Offers and Certain Representation, and the VA Rep took time to review my current Caliber Loan Case, educated me about some lender practices, AND concluded that based on what info I shared, we should stay with Caliber because they seem to better understand our case and objectives AND would likely best address our needs. BUT little did I know that the VA Rep's assessment would become a reality.............I am so happy that I make the call to VA Housing and continued to work with Scott and the Caliber Home Loan Team! - Delacy - Laurel, MD
03/21/2022

We had several issues that were resolved - Virginia - Laurel, MD
03/20/2022

We had several issues that were resolved - Virginia - Laurel, MD
03/20/2022

Scott was very responsive to our needs. Very patient even when we switched loan types. Got closing completed even earlier than originally planned. - Tina - Remington, VA
03/12/2022

Scott answered all of my questions. He was always on top of things. He always replied to emails and phone calls in a timely manner. He and Danice were awsome to work with. - Diamond - BALTIMORE, MD
03/09/2022

Timely response to my questions and overall customer service I received. - Tammy - PIKESVILLE, MD
03/07/2022

It's done. In this market speed matters. - Ryan - Gaithersburg, MD
03/03/2022

I had an unusual transaction and I would not have trusted anyone else besides Scott to handle it for me. - Brittany - ELLICOTT CITY, MD
03/01/2022

Scott could not have made the process easier on us!! We relocated from out of state and I wouldn’t recommend anyone else in Maryland for a loan. Extremely responsive, professional, and patient with us no matter how many questions we had. Thank you again, Scott!! - Adam - HANOVER, MD
02/11/2022

Scott is the BEST! Always very Knowledgeable and no matter the day/ time quick to respond to any questions/concerns. Really cares about the client and the financial goals of the transaction. So easy to work with. Will always refer Scott! - Walden - Elkridge, MD
02/01/2022

Scott worked with us in lockstep with the realtor the entire way from initial contact through closing. He coordinated the entire mortgage including working with external lenders and serving as our primary POC even with other Caliber staff. He answered all of our questions, met with us with short notice, made himself available, and showed all the numbers ensuring we got the best deal. He made buying a home easier than buying a car. - Christopher - Fulton, MD
01/19/2022

Scott and his team are wonderful. They answered all my questions and provided prompt responses. - Michael - Owings Mills, MD
01/13/2022

Scott was great!!! Very professional, reliable, kind and informative. - Shenna - Baltimore, MD
01/10/2022

We were refinancing close to the holiday season, we expected some delay and that was not the case everything went smoothly. We appreciated that we got to see all of the options available to us. Knowing every option made us make a better decision. Most important our estimate numbers never went beyond what was quoted. I had shopped around and Caliber had one of the lowest interest rate compared to other lenders. I would highly recommend Scott as his entire team to friends and family. - Lucia - LA PLATA, MD
01/02/2022

We were refinancing close to the holiday season, we expected some delay and that was not the case everything went smoothly. We appreciated that we got to see all of the options available to us. Knowing every option made us make a better decision. Most important our estimate numbers never went beyond what was quoted. I had shopped around and Caliber had one of the lowest interest rate compared to other lenders. I would highly recommend Scott as his entire team to friends and family. - Lucia - LA PLATA, MD
01/02/2022

Everything - Malcolm - Westminster, MD
12/30/2021

Scott is always professional and positive and makes you feel at ease through out the entire process. He is a pleasure to work with. - Nancy - TOWSON, MD
12/29/2021

Scott is very knowledgeable and always available!! - Christen - Ellicott City, MD
12/28/2021

Scott and Tammy were excellent with the entire transaction process. Thank you all for helping us get through the process at this crazy time of our lives. We appreciate everything you have done. Happy Holidays to you and yours. - Mary - Bel Air, MD
12/23/2021

Admittedly I didn't shop around -- Scott was a referral from a neighbor/friend and I was really pleased -- he answered my questions, responded very promptly and was accommodating where I needed it. Wish the process didn't take so long (that's just the way it is) but Scott's service was great. - Darlene - Annapolis, MD
12/20/2021

Scott was so great to work with. Very proactive, responsive and really took the time to walk us through the home loan process. Would highly recommend him. Both our agent and the selling agent raved about how easy to work with he was and how on top of everything he was. Thanks Scott! - Mary - Adamstown, MD
12/16/2021

Going forward with Scott and Caliber Home Loans was the best decision we made to finance our home. Scott made it a stress free process by getting all required documentation up front, letting us know that we were approved and how to best prepare for the home buying process. He gave us a strong pre-approval letter that helped our offer get selected, and then he kept us informed of every step of the process from our offer being accepted to closing day. People have told us how stressful the buying process can be, but Scott made it smooth and hassle free. We highly recommend Scott for your home financing needs!! - Stacey - Columbia, MD
12/13/2021

It was a smooth process - Jamie - DALLASTOWN, PA
12/06/2021

I first met Scott on the phone in April of 2021 and when he ran my credit score it was 480 in the past once lenders saw that I would never hear from them again. Not Scott he gave me advice on cleaning up my report and told me to reach back out when it was where it needed to be. I reached out again in July 2021 thinking it was high enough not realizing there are different Ficos and he explained that and then once again let me know what I needed to do from where I was at to get it the rest of the way. We finally got it up there in October towards the end and found the house my family of 8 loved and he went above and beyond to get us in before Thanksgiving so we could spend it in our new house. Our Real estate agent said that she couldn’t believe how good he was and how much he busted his butt and making sure we were in there before Thanksgiving we are extremely grateful and pleased with the service we received. Thanks Scott!! - Andrew - Hanover, PA
11/28/2021

This is the third time we have used Scott, and we would never use anyone else. His communication and dedication to his clients is unmatched. I cannot say enough about how great all of our experiences with Scott have been. Buying a home is a stressful process, but with Scott you know that everything is being taken care of, and there is so much less worry. I have and will continue to recommend Scott to everyone that is looking for a lender. It’s truly been a pleasurable experience! - Douglas - New Market, MD
11/28/2021

Scott is super responsive and amazing to work with. - Jacob - Ellicott City, MD
11/25/2021

Scott knows everything about loans. This is the second time I have used Scott and it’s been incredible both times. Not only is Scott fantastic so is his team. We were out of the country on vacation with limited service and they were able to get everything done with little to nothing required from us. 10/10 recommend - Michael - Baltimore, MD
11/01/2021

Scott was always very attentive and responsive. He would answer every question to the best of his knowledge within a timely manner. - Cristian - Pasadena, MD
10/04/2021