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

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

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

Everything - Malcolm - Westminster, MD

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

Scott is very knowledgeable and always available!! - Christen - Ellicott City, MD

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

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

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

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

It was a smooth process - Jamie - DALLASTOWN, PA

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

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

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

This is our 3rd loan with Scott and the team at Caliber. They are always responsive, easy to work with, and have competitive rates to boot. It's always a seamless transition from one loan to the next and the overall ease and experience has been positive each and every time. Highly recommend Scott and Caliber! - Heather - Ellicott City, MD

Answered questions quickly and cleared up any confusion I had - Caecenia - Hanover, MD

Scott answered all my questions and was always a phone call away. This was especially helpful in the current market where houses were being bought up so quickly! - Jill - Parkville, MD

Very approachable and knowledgeable. - Arun - SILVER SPRING, MD

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

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

Scott was extremely helpful throughout the process. Scott made himself available for our questions/concerns even after hours and was fantastic. His knowledge and advice were second to none and I would not hesitate to use Caliber Home Loans again. Kudos to Scott and his team!! - Brian - Westminster, MD

Scott and his team are nothing short of amazing! They are responsive and very knowledgeable. Scott provided me with several options to fit my financial needs and guided me through the home buying process. So much so that I used Scott and Caliber again when I refinanced two of my properties! The entire process was smooth and seamless. You cannot go wrong with Scott Berngartt of Caliber! - Erica - Baltimore, MD

Scott communicated the entire time with us and made us feel so comfortable with this big decision. He supported us throughout this process and helped us along the way. He was so wonderful to work with and I will definitely refer him to everyone - Tracey - Westminster, MD

Everyone goes above and beyond to make sure everything goes smoothly. - Roberta - Bel Air, MD

He was awesome and communicated everything to perfection! Highly recommend him! - Joel - Columbia, MD

This was my second time working with Scott. The process has always been easy and Scott is good with answering any questions I have. - Crystal - Bowie, MD

All the upfront communication & honesty. An Awesome experience & process with an Awesome team. Great work guys thank you. - Bill - Hagerstown, MD

Scott was very knowledgeable, professional and always stayed in touch with me ensuring I had everything I need for a smooth transaction at closing and I’m very grateful!! - Tanya - Accokeek, MD

Scott was available at all hours of the day and night to answer questions and he answered them thoroughly. He also spoke to other agents at 11pm on a Sunday night to try and secure a deal. His swift responses made making offers and getting to closing easy. - Gordon - West Friendship, MD

Scott was always available to provide great service . - William - TAPPAHANNOCK, VA

Super responsive and thorough! - Ariana - Frederick, MD

Scott, we appreciate your hard work and readiness to help answer our questions. Thank you - Kendall - New Windsor, MD

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

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

As a first time buyer, working with someone who was so attentive and patient eased our nerves through the process. - Kevin - Frederick, MD

Scott and team are so professional. We use them for all of our properties and refer all of our friends and family. We cant say enough great things about Caliber and Scotts team! - Amy - CATONSVILLE, MD

Communication was very good when we had any concerns - Cynthia - BROOKEVILLE, MD

Scott is very attentive and easy to work with - Claudia - Catonsville, MD

Super nice and informative. Gave a lot of input and options for us. - James - SILVER SPRING, MD

Great communication all around by him and the team. - Ana - FALLSTON, MD

Scott was always there for me, when I was nervous he calmed me down and told me I got this, everything is going to be ok. When I had to submit paperwork he let me come in and sat with me to do so! I’m not computer savvy at all. Anytime I needed to get something for the underwriter he took that extra minute and phone call to explain what I needed and how to get it. Scott is my hero, he helped me do something I never thought I could, thank you Scott!!!! my family thanks you!!!! - Jerome - Westminster, MD

Scott was very helpful with what we wanted and was quick to respond to any questions we had. - Melinda - Hanover, MD

Scott has a great grasp of the loan industry and he is very responsive to questions. - Paul - Westminster, MD

Scott made himself available for all of our questions that we had being first time homebuyers. He would respond promptly and made the process less stressful for us. Would recommend him to our family and friends! Thank you Scott! - Sandy - FINKSBURG, MD

Easy transaction, very good communication and friendly. Seamless and easy process! - Adam - Bel Air, MD

Scott was always available no matter whether if a weekend or any time of day to answer questions and ensure things kept moving forward. This made for a pleasant and quick and smooth experience throughout the home purchase process. He also was very knowledgeable and thorough in his responses and explanations. Thank you! - David - Ellicott City, MD

Scott is very knowledgeable and responsive. - Elena - COLUMBIA, MD

Scott is the best and what makes Caliber Great! - Vinover - Forest Hill, MD

Scott is a true professional who takes his work seriously. He is super supportive and was always welcome to questions along the way. - Christopher - Shrewsbury, PA

It is always a pleasure to work with someone of Scott's experience and expertise! He made my refinance a breeze and was extremely responsive to any questions I had. - Timothy - Odenton, MD

My experience was ideal. Clear communication from the Caliber team, all paperwork submission was handled online, and the settlement took place in my own home. Couldn't have been easier! - Diane - Odenton, MD

very accessible - William - CATONSVILLE, MD

Scott was there every step of the way! Will recommend his services to anyone needing a home loan! - Robert - COLUMBIA, MD

We reached out to roughly 5 lenders during our home search (due diligence). Scott was by far the best communicator, and most efficient of them all. We purchased during the craziest seller's market ever recorded. However, Scott was always able to put our family at ease, by providing excellent loan solutions, and other essential information we needed. We always complemented his great "people skills" and how efficient he was with our "everything is urgent" requests. We are thankful for Scott being there every step of the way, and now we are enjoying our new beautiful home! - Derrick - Havre De Grace, MD

Scott is awesome to work with. - Matthew - COLUMBIA, MD

Scott and caliber are always a pleasure to work with! - Cherie - COLUMBIA, MD

- Yuval - West Friendship, MD

Great experience working with Scott. I will definitely recommend him. Clear and on-time communication. Scott will do above and beyond to get things done. - Lisandra - New Market, MD

Scott is dedicated, and helps educate his clients. I will never work with a different lender. He answers all questions extremely timely, and is very comforting to work with. - Douglas - Cooksville, MD

It felt great to be able to refi with the same lender that we have been with, and you worked to give us great terms :) - Kimberly - FOREST HILL, MD

Scott and his processor were both very easy to communicate with. They offered two loan options for my situation and numbers to reflect approx loan costs, in a timely manor. Overall Scott was knowledgeable and pleasant to work with. I highly recommend him for future mortgage services. - Allyce - Altoona, PA