Smooth, quick and easy transaction. Thanks Frank! - Elizabeth - SEA GIRT, NJ

Frank Lay was very helpful with refinance application - Joel - South River, NJ

What made the experience great was the strong support resources available 24/7 within Caliber. Each and everyone had a part in aligning an efficient and timely loan closing process, Martin and Frank were indeed superstars, knowledgeable, confident and professional. E & M Linden, NJ - Eduardo - LINDEN, NJ

- Roshni - Highland Park, NJ

From start to end it was a very nice and great experience. Got the right advice at the right times. Our closing interest rate was automatically adjusted to a better rate. The paper work was very nicely coordinated. Overall feel was fantastic and love the way we were able to get into my first home. - Pallaprolu - Highland Park, NJ

Frank took care care everything. He coordinated with the Builder for closing. I highly recommend Frank. - Mohammed - Pennington, NJ

All members that helped us buy our new home were amazing, patient, and so helpful. Marty started us off and then Frank Lay and Michelle Sabine took over. They were all incredible and got us to close on our closing date. We really needed that to happen and they made it happen. So a big thank you to all of you. We are so happy and excited to make this house our new home. - Michelle - Scotch Plains, NJ

Whole process was super easy, Frank was GREAT! - James - FREEHOLD, NJ

Frank Lay made the process very smooth and easy. I believe any company will be a great company if they have employees like Frank Lay. Will definitely recommend family and friends to Frank Lay. Thank You Mohammed B Qureshi - Mohammed - Pennington, NJ

Very professional service! - YUCHAO - Highland Park, NJ

Frank Lay was very professional, kind and extremely helpful during the entire process. He was informative, and attentive , making sure that we were getting the best deal possible for the refinancing of our home. We definitely recommend him. - Cidalia - WARREN, NJ

Frank is always helpful whenever I have any question or concern - MINGCHEN - Highland Park, NJ

Frank Lay was the most knowledgeable & professional loan officer, I've worked with in 35 years. I had issues securing a mortgage to purchase my home, because of issues from my divorce. I had made application with 4 other mortgage companies prior to working with Caliber Home Loans. They were offering interest rates of 6.5%-7%. My interest rate with Caliber Home Loans was 2.99% I'm the owner of a Public accounting firm for 35 years, and Frank Lay is by far the best financial professional . - Robert - Sicklerville, NJ

Courteous, friendly, and prompt service. - Timothy - Allentown, NJ

Caliber home loan give the best rate, lowest point, and closing coast our branch manager, loan originator Frank Lay was knowledgeable,took time to explain everything, and was a pleasure to work with he responded to emails and call quickly, even on the weekend , working him made the process easy - Hiteshkumar - Pennington, NJ

I received great communication. I also liked that I could sign all documents remotely. - Alona - Highland Park, NJ

I would like to Thank Frank Lay for his great efforts to get my refinance done on time ( Less then a month to close ) . I can't think any other lender ( Frank Lay ) would have closed me in a month . Thanks so much Frank Lay for your wonderful help - Vivek - CHESTERFIELD, NJ

Great service, great personality - Dale - FREEHOLD, NJ

Great team , thanks for the support - Tushar - NORTH BRUNSWICK, NJ

Frank was great as always, helped me navigate thru self employment application process that is never easy especially during COVID. Thanks for all your help! Mark S - Mark - Middletown, DE

the entire experience - James - Brick, NJ

Frank was always available to answer my questions, offer advice, and explain everything to me in a clear and easy to understand way. My purchase was a little complicated, but he was reliable, professional and an over all pleasure to work with. - Julie - Brick, NJ

He is very prompt and reposed to customer queries and suppose throughout the process. - Vinaya - CHESTERFIELD, NJ

Frank helped us get a great rate and VA Loan application process was made easy with his expertise - Greg - PENNINGTON, NJ

Frank is the best! Great advise. Totally know what is going on at all times. I would highly recommend Frank to anyone needing a mortgage. - Robert - Belmar, NJ

Everything moved smoothly, any issues that arose either Frank or I handled immediately. - Sunil - HIGHLAND PARK, NJ

The great communication and fast service really made it awesome - Bozena - Sayreville, NJ

Frank was on top of the whole process from start to finish and extremely responsive when we had questions or needed help. - Craig - NEW YORK, NY

Frank is the best - Marek - Sayreville, NJ

You and your team go above and beyond for me Thanks again - Sharon - East Orange, NJ

Frank was responsive , supportive and always available. - Alix - NEW YORK, NY

Frank saved us, we almost lost our new home. He was great and I would highly recommend!! - Christopher - Barnegat, NJ

The communication at the earlier phase of the process could be more responsive. Most likely, it was because the office was super busy. - Xiandong - HIGHLAND PARK, NJ

I felt like Frank was very honest and open during the entire process. I was clearly communicated with and all my questions were answered in a timely manner. I have been through refinancing before with other groups and have had bad experiences. I felt like everything was handled for me and the process was not overwhelming or stressful. I felt like I was taken care of and I appreciate that. - Brent - SPRING CITY, PA

Frank was a great resource during the home buying process. He helped all answers and finalize the loan process in a timely manner. - Taskin - CHESTERFIELD, NJ

Was flexible and worked with us through a delayed closing on the house we were selling. - Caleb - HIGHLAND PARK, NJ

Frank was very easy to work with. - Jennifer - Pennington, NJ

Frank was very helpful with the communication, quick with the loan approvals and on time. Would recommend Frank to anyone trying to get a home loan. - Srikanth - Highland Park, NJ

This is not the first time I’ve worked with Frank. Simply great. - Chad - CHESTERFIELD, NJ

Frank has done a lot to cope with with my financial/job situation. He has done tremendous job to make sure that our closing date is met. He is very responsive and patient. We are very happy with the service that Frank has provided. - Yangyin - HIGHLAND PARK, NJ

Professional, efficient and effective. I keep coming back for a reason. - Jeffrey - CHESTERFIELD, NJ

Excellent customer service. Super efficient process. Highly recommend. - Erin - CHESTERFIELD, NJ

Frank was able to provide us the timely estimates and documentations. It was an smooth sail from the initial pre-approval to closure. Very much liked it. - Vinod - Pennington, NJ

After my first lender fell through at the last minute in the process, Frank was able to take over and get everything done in time for closing. He was a life saver for sure. - YANET - Milltown, NJ

Frank Lay took care of every detail in an amazingly short amount of time. Frank is a fantastic asset to Caliper Home Mortgage Company and I would recommend him to everyone. - Stacey - Lanoka Harbor, NJ

Frank is amazing! - Greg - LIVINGSTON, NJ

Great experience and helped us to go through the process, with detailed information's and options!!! Thank You! - Robin - WOODSIDE, NY

Frank Lay and his team were extremely professional, informative and caring through the entire refinance process. I will continue to recommend Frank and Caliber Home Loans to others. - Sean - CHESTER, NJ

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