- Anthony - Point Pleasant Boro, NJ

The process was simple and easy to complete - Jennifer - Pennington, NJ

Frank Lay is a rock star and always makes the transactions happen seamlessly! Glen Mc - Glen - MARGATE CITY, NJ

Frank was happy to help us re finance and provided quick advice and solutions - Marcela - East Brunswick, NJ

Great communication and caring for our needs - Alec - HUNTINGTON, NY

As a first time home buyer I found the experience of working with Frank and Caliber very smooth. The process went according to plan and we were able to close on our house on time and as expected. - Apurbo - Union City, NJ

Frank is amazing. I would never use anyone else for my mortgage needs - Mohammad - SOUTH RIVER, NJ

FRANK LAY IS THE MAN!!!! - Jessica - MARLTON, NJ

Quick response time. Attentive to details. Accommodating. I have no complaints! - Kyle - LINDEN, NJ

Communication - Joseph - Belmar, NJ

Overall transaction went smoothly. - Sridevi - Pennington, NJ

Frank was able to take a difficult situation with our old mortgage and make it much easier for us to manage. He was extremely instrumental in what we needed to achieve. - Rachel - NARBERTH, PA

Mr Lay was an amazing confidant through the process. He knew every in and out of the process and was even able to roll with a surprise covid quarantine in our house. So appreciative. - Benjamin - ALLENTOWN, NJ

Frank Lay is your greatest asset. Knowledgeable, responsive and smart. I have always enjoyed my interactions. - Michael - Milltown, NJ

Frank always provides a level of trust that is unmatched. He is very helpful and you feel secure knowing he is on your side! - Kathryn - ALLENTOWN, NJ

Frank and his team were so easy to work with. I really appreciated that so much of the process was done via email and text. It is hard for me to schedule time for a call so being able to communicate asynchronously was super helpful. I would recommend Frank to anyone looking for a loan and I will be sure to use him for future mortgage needs. - Manuel - Stewartsville, NJ

Frank is exceptional! Explained everything to us and made us feel completely at ease during the entire process. Very knowledgeable and on top of things! - Jennifer - FLEMINGTON, NJ

Frank was very easy to work with during the process. - Laurence - BEACH HAVEN, NJ

We were very pleased with how proactive and attentive Frank was throughout. He made the process so easy and straightforward for us. - Lauren - LIVINGSTON, NJ

Frank was absolutely wonderful. He helped us every step of the way and was super patient ! - Elizabeth - Monroe Township, NJ

Frank is friendly, responsive, and very knowledgeable. He makes himself available at all hours of the day, and is a pleasure to work with. Have worked with him on multiple transactions, and highly recommend. - Daniel - Monroe Township, NJ

Frank and Michele were transparent with me. Communication was excellent from the jump. Made my first buying experience seamless. - Carl - South River, NJ

availability to discuss options; short time from start to finish - Elizabeth - PENNINGTON, NJ

This is the 4th time Frank handled by mortgage need. Of course before any final decision, I have shopped around and no one beats Frank - in terms of professionalism, transparency and promptness. - Ashok - ALLENTOWN, NJ

Always a smooth/easy process when working with Caliber & Frank. - Megan - MILLSTONE TOWNSHIP, NJ

Frank was awesome in helping me to not only purchase my retirement home but also lower the rate On my primary home all at the same time. Both loan were closed Very quickly and efficiently. I couldn’t be happier! - Sheri - Chesterfield, NJ

Frank and his team at Caliber have worked with me on both a purchase and several refinances. They have always exceeded my expectations! I would highly recommend Frank Lay & his team at Caliber Home Loans! - Lesley - Ship Bottom, NJ

All around great process and great support. - Beau - MILLSTONE TOWNSHIP, NJ

Frank has done a few finances and refi's for me and is always available to answer any questions, no matter what time of day. Great service this time around too as per usual. - Zachary - MORRISTOWN, NJ

Frank was extremely helpful in guiding us through the process. - Douglas - LIVINGSTON, NJ

The entire process was very simple and everyone was very prompt and helpful. - Sergeis - MONROE TOWNSHIP, NJ

Very professional - Jake - BELMAR, NJ

Great service - Mariuxi - Highland Park, NJ

Frank was great to work with. He was very responsive and kept on top of the tasks that needed to be accomplished. - Rachel - Chester, NJ

Frank made it happen! - Tyler - Chester, NJ

Everything was great! - Praveen - PENNINGTON, NJ

- Edward - Manahawkin, NJ

Frank is the best. Honest, efficient, always has our best interests in mind and willing to explain things to me in terms I understand. Thanks, Frank! - Hannah - WEST ORANGE, NJ

Communications was timely and always helpful - not to mention very pleasant to deal with overall. We have been with Caliber for many years and look forward to many years in the future. The best team ever!!! - Mary - WEST LONG BRANCH, NJ

Great experience, everything was done quickly without ANY bumps in the road - Joseph - EAST BRUNSWICK, NJ

X - Pallavi - Westfield, NJ

Made refinancing very easy and was quickly closed at a interest rate I'm very happy with that was lowest I could find. - John - CAPE MAY, NJ

Frank was on top of things to get the closure done. He has great knowledge and helping nature.. - Vivek - PENNINGTON, NJ

Frank's customer service made the experience smooth. - Darshan - Pennington, NJ

I appreciated the cooperation and friendliness with which Frank and his team worked through obstacles to complete our refinance. - Mark - MORRISVILLE, PA

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