Frank was very professional, proactive, informative, and responsive to our questions. He was able to close us in 30 days in a very busy market. We will definitely use Frank again! - Timothy - Belmar, NJ

Frank made the process super easy, always feel comfortable with him handling our mortgage needs. Thanks again! - Jared - ARVADA, CO

Working with Frank and his team. They made the refinance process seamless. - Michelle - Point Pleasant Beach, NJ

Our experience with Frank was great-he kept us informed and was in communication with us throughout the process. He was quick to answer any questions, return calls/emails, and always made sure we understood everything. During Covid-19, all paperwork was done online quickly and contactless. We have worked with Frank a few times and look forward to any opportunity to work with him. - Elizabeth - CHELTENHAM, PA

Frank is very helpful in explaining all the required details regarding the loan. He is an amazing guy to work with. - Vijay - Chesterfield, NJ

Frank was a real friend. He was a shoulder to cry on and a voice to laugh with. Monica kept it together whenever I was stressed and Marcia really drove it home with closing! A team of go-getters! - Eric - Boonton, NJ

Frank makes you feel like family. He was in constant communication throughout the entire process. I highly recommend doing business with Frank. - Dennis - CHELTENHAM, PA

Frank and his team are awesome - Joanne - MOUNT LAUREL, NJ

Frank was helpful & diligent throughout the entire process - Loren - New Providence, NJ

Good communication, very helpful. - Francesco - Chesterfield, NJ

I would recommend Frank to anybody my experience was unbelievable when everybody told me no I couldn’t do it.. he believed in me and Took the time to work with my situation, he made it happen he stuck with me coach me through the whole process. Now me and my family have somewhere to live and I’m so proud of being a first time homeowner. Thanks Frank keep up the good work. - TIAN - Jackson, NJ

- Rick - Spotswood, NJ

They answered all of our questions right away, our closing documents and wire were with our title company ahead of schedule. Great people to work with - Elena - Spotswood, NJ

Frank was excellent to work with! He made buying our first home simple and a great experience! - Michael - Brick, NJ

Always a great transaction! - Kenneth - NEW HOPE, PA

All around made the process easy and understandable - Flavio - Milltown, NJ

Quick and responsive. Easy to get ahold of. - Joshua - Woodbridge, NJ

Frank and his team where very quick at responding to our questions and clearing up any concerns we had. I will definitely use Caliber’s services again. Thanks, Frank and Michelle! - Mauro - SPRING CITY, PA

Frank and his team always go above and beyond. They know mortgages inside and out. I wouldn’t use any other lender! - Brendan - BELMAR, NJ

Great experience. - Rhonda - CHESTER, NJ

Good job - Ayokunle - South River, NJ

The whole team at caliber was amazing to work with. Frank and Michele were great and on top of everything. I would recommend Caliber to anyone looking for a home loan. - Jacqueline - Newton, NJ

- Carmine - Newton, NJ

As a first time home buyer, I am not very familiar with the overall process. Frank has been very helpful along the way and work closely with the builder. Super helpful - Xiang - Highland Park, NJ

Frank was amazing. He answered all of our questions immediately and gave great advice. - Ashley - Cream Ridge, NJ

Frank is responsive and works very hard to ensure that things move along smoothly. This is our 3rd transaction using Frank, and we would always look to use him going forward in any future transactions. - Antonio - Cream Ridge, NJ

He got the deal done and my husband was pleased with his level of leadership. - Dalila - Chesterfield, NJ

--- - Gregg - Wayne, NJ

This was my second time working with Frank. He was always professional, patient, and provided clear answers to questions. From start to finish the mortgage process was easy and seamless. - Tina - Ewing, NJ

Awesome experience from start to end. In the end Frank was contacting us beyond work time as well to make sure everything goes smooth - Hari - CHESTERFIELD, NJ

Second time working with Frank on a home purchase. Easy to communicate over emails or texts. Prompt and thorough with responses to questions. Found excellent mortgage rate. - Saulo - Howell, NJ

Frank took the time to explain the process and keep me updated on what was going on. He also was a man of his word and made sure I got the percentage I was told I was going to get. Thanks Frank and I highly recommend using him!!!! - JOHN - East Brunswick, NJ

I really liked working with Frank. He is a true professional. I had a lot of problems at the beginning with another loan company, but I consulted with Frank and he made everything quick for the closing of my house. I am very grateful to him. - Jhonny - Milltown, NJ

Frank is great! Helped us many times over the years. You shouldn’t go to anyone else. - Beth - Brigantine, NJ

The only mortgage consultant I would ever work with is Frank Lay. He is very honest, direct, and hard working. This is the third time I have used him for multiple loans and told all of my friends to contact him. In both of my home purchases, he was the smoothest part of each process. You are crazy if you are using anyone but frank. - Adam - Brigantine, NJ

Everything went very smoothly right through closing - Gregory - Cape May, NJ

My experience with Frank Lay was professional and positive. He was patient and took the time to explain to me the mandatory requirements for my mortgage. I will most certainly recommend him to others who may require his services. - Barbara - Willingboro, NJ

He is very cooperative and provide very informative guidance! - MANANKUMAR - HIGHLAND PARK, NJ

Frank and Michelle Sabine made my process through this so easy. I was completely overwhelmed but every step of the way they helped me and I really appreciate the great job they did. I would completely refer this amazing team to my friends and family. I am thankful for working with such amazing people. Thank you Michele and Frank! - Catherine - OLD BRIDGE, NJ

n/a - Jason - Medford, NJ

Frank was great and very helpful - Sriram - HIGHLAND PARK, NJ

Frank was very knowledgeable, responsive and helpful! - Danielle - Voorhees, NJ

Frank, really, I cannot thank you enough. I am thoroughly impressed by how you have managed this whole deal right from the start. You’ve been on top of things from day one, and I never EVER once was I concerned about if you had something handled or not. I had great confidence in you and you’ve proved yourself time and time again. I will, hands down, recommend you to anyone I know is looking to buy a home. With all my heart, I thank you. - Jonathan - Brick, NJ

Frank was reliable and on top of everything for us - Corin - CHESTERFIELD, NJ

Very good service by Frank. Much appreciated what he has done to close smoothly. - Kiran - CHESTERFIELD, NJ

Frank knows his stuff and will educate you. He helped me close my house and now refinance. I did not see him in person. Everything was done over the phone and email. I did not hesitate sharing any information with him. Thanks Frank for your help. - Alireza - Hollis, NY

The process went smoothly. Appreciated Frank's input and his attention to the details. - Brett - CHESTERFIELD, NJ

Frank was extremely professional in all the help he has given us with receiving a loan for our new home . We had bumpy roads on our end and Frank guided us in the right direction to ensure us all will be ok . Frank’s knowledge was able to place us where we are today ! - Alan - Nescopeck, PA

Frank has been dependable, responsive and informative. I have utter trust in Frank. He did a great job. - Thomas - Clark, NJ

Frank was very responsive and explained the closing cost and details of the refinance every step of the way. It was easy. - PAUL - Lincroft, NJ

The availability that was made for me throughout the process - JOSEPH - Belmar, NJ

Frank's level of professionalism is beyond excellent. It was a pleasure working with him, straight forward and to the point. Once again, Excellent! - Giovanni - Monroe, NJ

Good advises & best service - Kapil - Chesterfield, NJ

Frank is great - Michael - Chesterfield, NJ

Frank is great to work with. He takes the time to explain everything and couldn’t be nicer. - Ashley - Flemington, NJ

Thank you! - Beau - Millstone Township, NJ

Always pleasure working with Frank. He is personable and very informative. - Megan - Millstone Township, NJ

Very knowledgeable and diligent! - Eric - Whitehouse Station, NJ

Frank gets it done no matter what. - Daniel - East Brunswick, NJ

Frank was very attentive to all question and was always available. - Christopher - Belmar, NJ

It was extremely easy to work with the Caliber people, in particular Frank Lay. He made the refinancing process to be a “ user friendly” process - we appreciated that very much - George - Pennington, NJ

responsive and knowledgeable. - Jeffrey - Springfield, NJ

Frank is amazing! We’ve done multiple loans with Frank and Caliber over the years. They always get it done professionally and efficiently. Have and will continue to recommend Frank and Caliber to family and friends! - Glen - Margate City, NJ

Frank, thanks so much for your communication and hard work through this process! - Michael - Milltown, NJ

Frank was always responsive to our questions and where we needed help and quite willing to work with us in spite of the awkward circumstances because of the COVID19 issue. - Donald - CHESTERFIELD, NJ

Working with Frank has always been fast and easy. - Praveen - Pennington, NJ

Professional and great communication. - Jake - Belmar, NJ

Even during a time like this, Frank was accessible and always able to answer our questions. We are very appreciative to have Frank help us through this process. - Benjamin - Allentown, NJ

I needed a mortgage very quickly and Frank Lay did a great job for a quick delivery - Naomi - Milltown, NJ

Great communication, simple streamlined process! - Lesley - Ship Bottom, NJ

All communication and requirements as well as requests were made in a timely fashion and response time was excellent. - Lorraine - Whiting, NJ

Frank is great and easy to talk too. He always got back to me quickly when I had questions. - Suzanne - New Egypt, NJ

Frank was there for us every step of the way. He answered all of our questions, no matter how crazy they were. Frank was immensely knowledgeable and comforting during this hectic and stressful time. We cannot thank him enough. - LUCAS - Mount Laurel, NJ

Frank was very knowledgeable and professional. He made the entire mortgage process less stressful. - KENNETH - Pennington, NJ

Frank was easy going, professional and always answered our calls and questions promptly. His explanations were thorough, yet easy to understand. Frank always kept our best interest in mind and we look forward to working with him again. We will not hesitate to refer our friends to Caliber based on our experience with Frank Lay. - Thomas - Stafford Township, NJ

Frank was a wonderful mortgage advisor. He always made himself available to me and bent over backwards to help my scenario as best as possible. A wonderful experience! - Wesley - Chesterfield, NJ

3831 - Wesley - Chesterfield, NJ

4229 - Nancy - East Brunswick, NJ