Teres was awesome she walk me through my loan explaining the intrest rates she kept me informed on everything I needed to do and I cannot say enough about how smooth the transaction from beginning to end went .IN All CAPS TERESA YOU ARE THE CATS MEOW - Anjanette - Hampton, VA
Caliber Loans made buying a house such an easy process with constant communication and fast response times. It was wonderful working with everyone on the team! Thank you! - Elizabeth - Yorktown, VA
Great communication and the ability to answer any question promptly - Earl - Virginia Beach, VA
They were very professional and knowledgeable and handed my loan very quickly, also the application process was amazing!. I had very little paperwork to go find because of it,I really appreciated that ! I'm really busy and it made the process so much easier. I definitely would recommend caliber loans to anyone who was looking for a quick easy and generally painless experience. Thank you guys so much! - Delphine - Newport News, VA
Teresa really made things happen when there was a last minute change. The extra effort allowed closing to remain on time! Thanks - Gary - Yorktown, VA
Very easy - Weston - Hayes, VA
Quick easy communication and a smooth process all the way through! - Kyle - Smithfield, VA
Theresa and Candice were awesome in every way. Communication was great and always available to answer my every question. I was using a different lender for my home purchase but my realtor suggested I give Theresa a call quick and see what she could do. Best decision I could’ve made. - Zachary - Williamsburg, VA
Smooth, honest, and reliable process. - Keely - Gloucester, VA
Communication was great through the process and got the loan processed quickly! - Daniel - Hampton, VA
Always keep us informed of what to expect next . - James - Williamsburg, VA
We did a ReFi w/ Caliber. Teresa,Candice, and Lori were great. Communicated, answered questions, worked out any tech details (e.g., w/ site, etc). Received a great rate w/ less fees than other loan companies. Thank you all! - Marcia - Williamsburg, VA
Great service from Teresa - Ryan - HAYES, VA
Absolutely great experience, communication and replies were fast and efficient. Thank you! - Alexis - Hampton, VA
After working with Navy Federal on my previous home and then working with Teresa’s team for my new house, I’ll never go back to using big companies again. Not that anything went wrong with Navy Federal, but the communication between me, Teresa, and my realtor was incredible! There’s no sitting on hold getting passed around from department to department. They were truly there every step of the way and gave me answers to questions I didn’t even know to ask. I appreciate everything! - Autumn - Newport News, VA
Theresa and her team stayed on top of everything and were very helpful and responsive throughout my home purchase process. - David - Hayes, VA
Working with Teresa and Candice was a delight. They were always available if I had questions and never made me feel like I was bothering them. Highly recommend! - Rene' - Newport News, VA
Everyone and everything went extremely smooth. Would highly recommend them!! - Timothy - Poquoson, VA
Teresa and Candice kept me informed every step of the way. Always great to work with them. - Alison - Hayes, VA
Communication was excellent. Any questions we had, we never felt like we were being taken advantage of or lied to when given answers. We were given the best rate possible and were not bombarded with excessive fees or outrageous changes to fees throughout the process. If we ever purchase another home, or refinance again, we will most likely work with Caliber and Teresa Rutherford again. - Kimberly - CARTHAGE, NC
Great experience! - Jason - YORKTOWN, VA
Teresa is amazing and makes the always stressful home buying process very easy. - Jay - Yorktown, VA
From start to finish everything went so smoothly. I was very impressed and would use her again. Her team was very responsive and pleasant to work with as well. Good job ladies ! - ELLEN - HAMPTON, VA
The whole team on my mortgage loan was excellent. - Zachariah - Williamsburg, VA
Print, courteous service! - Charles - YORKTOWN, VA
Teresa was a pleasure to work with. She made everything easy for us and always kept us informed about our loan process. We will definitely use them again if we ever need to in the future!! - Sarah - Newport News, VA
- James - Poquoson, VA
Very helpful and kind! - Amanda - Chesapeake, VA
Great Job by this team!!!! - Nicholas - Chesapeake, VA
Wonderful to communicate with and very knowledgeable about the business and decisions that were best for me.very fast at getting the loan complete and noticed the whole staff working late into the night to get my loan done ,when parts of it needed to be done.my impression was they do whatever they have to do to get the job done. Look Foward to using them in the future. - Christopher - Poquoson, VA
Process was smooth and informative along the way! - Erica - Yorktown, VA
n - William - NEWPORT NEWS, VA
Constant communication, and honesty from everybody at caliber, especially Teresa! - Justin - Yorktown, VA
Teresa was extremely helpful answering all my questions as a first time home buyer and very prompt. She is very knowledgeable and really cares about her clients. - MaryElizabeth - Newport News, VA
Teresa reached out to us about a great opportunity to re-finance and made the entire process simple and seamless for us! - Gary - NEWPORT NEWS, VA
Easy process to refinance. Computer systems worked w out issues. Instructions and such were clear and concise. - Kenneth - NEWPORT NEWS, VA
rate :) - Robert - YORKTOWN, VA
The staff was awesome to work with. Kept me informed during every step of the process. - Maryann - WILLIAMSBURG, VA
Very professional and helpful. Response to my questions quickly. Process was quick easy and smooth - Timothy - Newport News, VA
Teresa knows her stuff and was fantastic at communicating everything to expect in the process. We had some unique factors playing into our VA home purchase and she knew the answer immediately and quickly provided the information we needed to make the appropriate decisions. Based on her information and continued communications, we now have a home we can call home for a very long time. Flawless transaction from start to finish. Thanks Teresa! - David - Newport News, VA
Teresa was awesome! She and team made my home buying experience a reality. Thank you - Crystal - Suffolk, VA
Teresa is extremely knowledgeable. She made the entire process easy and stress free, taking the time to answer all of our questions. She and her staff are organized and thorough, and their methods of communication are top-notch. Five stars, absolutely will recommend her to anyone. - Mary - Newport News, VA
Teresa was very easy to work with and kept me updated throughout the entire process. - Tammi - Newport News, VA
Each person who worked with us was knowledgeable, courteous and prompt in response. - John - Hampton, VA
Prompt professionalism at every step of the process wrapped in kindness and sensitivity. - Nancy - YORKTOWN, VA
Teresa has been my mortgage professional for over 30 years. She always goes above and beyond with each and every customer. Her team is exceptional. Their highest priority is the customer. I was extraordinarily pleased with the ease of my refinance. I would recommend Caliber Homes Loans and Teresa Rutherford team 100%. - Karen - SUFFOLK, VA
Overall wonderful experience. Appreciate all of the employees at Caliber Homes who helped with purchasing our new home! - Timothy - Smithfield, VA
All was great except under writing. Last minute on everything and communications within your system caused my to wire 6k extra because the numbers were not ready 3 days before signing. Theresa was great.. - KIRK - Williamsburg, VA
The Team at caliber loans kept me informed of the status and were readily available to answer questions. Exceptional team at Caliber. - Corey - Gloucester, VA
We knocked it our in a month! they answered all my questions very well! - Samantha - Newport News, VA
You all did so much to help get this done. At the last minute it blows up but we found a way to get it worked out. Thank you all. - John - Gloucester, VA
Everyone was awesome and I highly recommend Teresa and her team. - Heather - COROLLA, NC
The whole process was so easy. Communication was extremely fast and allowed us to resolve any issues in a matter of minutes. - Jennifer - Gloucester, VA
Teresa communicated clearly and consistently. She was patient will all of my many questions. - Michelle - Yorktown, VA
Quick processing and always able to answer questions we may have! - CORY - NEWPORT NEWS, VA
Both Theresa and Candice were very responsive and helpful. All of my questions no matter how silly they may have been were answered professionally and timely. We have our new home because of them!! - Colleen - EXMORE, VA
From the beginning the responsiveness to our questions was quick and helpful. We were always aware of where we were in the process and what the next steps were. Getting the weekly status checks we a nice way for us to things progressing. Also, everyone we interacted with was friendly, knowledgeable and followed through on actions needed. It lowered the stress level immensely. This is how it should be done. - Karen - Poquoson, VA
Teresa and Candice are great! They made my refinancing process simple and straightforward. I recommend Teresa to anyone who is looking to buy or refinance a home! Excellent service! - Christie - Yorktown, VA
Everyone was very responsive with questions and actions when needed. Thank You - Christopher - Hayes, VA
Teresa was incredibly responsive and made the entire process very easy for me. I would highly recommend her specifically Nd Caliber in general. - Brendon - Newport News, VA
Excellent, Excellent, Excellent customer service. From start to finish everything was exceptional! - Victor - Poquoson, VA
Great experience, would highly recommend - Susan - CHESAPEAKE, VA
Going into the home buying process I was very stressed. Teresa and her team took care of everything above my expectations. - Nicholas - Chesapeake, VA
As first time home owners, we really had no idea What to expect or the process. They were extremely patient with our list of questions, they explained everything and just made this a wonderful experience for us. I would highly recommend this amazing team to anyone looking to buy a home. Thank you for making this such a wonderful experience. - Jessica - Chesapeake, VA
I worked with Theresa previously at Wells Fargo. When I decided to refinance, I immediately reached out to her at Caliber. Her and Candace make a great team. - Holli - WILLIAMSBURG, VA
Teresa and Jen were awesome to work with, they were always on top of things and worked on it very quickly. I was very impressed. - Shawn - Nags Head, NC
The entire group work overtime and in overdrive to close in a timely manner. They were patient and took time to explain the process and unfamiliar terminology. They were always one call, text, or email away. - Luvvenia - Portsmouth, VA
Outstanding support from Teresa Rutherford and her team. They informed me of what to expect and the timing of the loan application. They made the process so easy and efficient. Truly professional in very aspect and I felt comfortable and trusting all throughout the process. I felt that Teresa and her team cared about me and getting the loan to get into the house I wanted. I was completed pleased and satisfied with the entire process and could not have asked for a better experience! - Harry - Hampton, VA
I have been doing business with Teresa for years. She and Candice are the reason I keep coming back! - Mary - Nags Head, NC
Very professional - Nelda - Williamsburg, VA
Teresa and her team are very professional and knowledgeable. Thank you for making the process easy and stress free. - Sina - NEWPORT NEWS, VA
All the professionalism, fast response, great communication, the knowledge & advises 👍👍 - Kelvin - Williamsburg, VA
Efficiency, effectiveness, great customer service, super professional - Michael - Mount Jackson, VA
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Private Mortgage Insurance typically costs between 0.5% to 1% of the entire loan amount over 80% LTV on an annual basis.
Refinancing your existing mortgage may be easier than you think.
Learn More >>Caliber Home Loans, Inc. ("Caliber") has streamlined the process for you!
Learn More >>Do you have questions about lower down-payment options?
Learn More >>Refinancing your existing mortgage may be easier than you think.
Learn More >>Caliber Home Loans, Inc. ("Caliber") has streamlined the process for you!
Learn More >>Do you have questions about lower down-payment options?
Learn More >>
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