Frank went above and beyond to make sure we got all the right information for our mortgage. He assisted us with everything even when we had some little issues he offered assistance and advised us on how to find a solution to enable us buy our first home. We are forever grateful to him as we have learned a lot about finances and mortgage process. He is awesome ! - Ezindu - Highland Park, NJ

Great customer service - Jennifer - JACKSON, NJ

Very patient with all the questions I had with being a first time home buyer. - Shannon - Spotswood, NJ

the best service ever - Mara - Monroe Township, NJ

Great communication. Easy to sign documents on line. Perfect! - Lori - MARTINSVILLE, NJ

Frank is a wonderful person to work with- he is always available and he makes sure I under Everything before we finalize things. I wouldn’t want to work with anyone else but frank. Thank you frank for all you do. - Raul - Port Reading, NJ

Frank was an excellent person to work with. I will highly recommend him to family and friends. - Edward - New Egypt, NJ

Frank and the entire team were upfront and communicated thoroughly thru the process and came thru with no issues. The platform they use was also simple and easy to use. - Randy - MARTINSVILLE, NJ

Frank is very pleasant, returns phone calls and explains the process. My experience as a first time homebuyer was a pleasant experience. - Sharon - PENNINGTON, NJ

Frank is always available and provide a great service. Thank you ! - Paula - SOUTH RIVER, NJ

Frank did a great job as usual. - Juan - MINE HILL, NJ

Everything went smooth and quick, Frank lay is doing his job in a professional way which reflected confidence to me as a client of Caliber since few years ago, he also gave me the advices which helped me to make my decisions comfortably Thanks Frank and thanks for your team member Michele, - Michel - NORTH BRUNSWICK, NJ

Frank did a great job with helping us close on our new house! - Avinash - Highland Park, NJ

This is our 4th transaction with Frank and Caliber. Frank has made it a very seamless experience every single time. He is knowledgeable, gives great advice, and is extremely available and attentive. - Antonio - CREAM RIDGE, NJ

- 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