Josh Henry and his TEAM of dedicated professionals worked one on one (through email and phone of course... COVID) with us to custom tailor an excellent loan! Being such a massive financial commitment, Josh worked with us to help us understand the results of any choice we made. Josh maintained an exceptional balance between guiding our best choice and letting us make informed decisions that we felt capable of making. Record Low Rate! Really helped our family's finances! Great people too!!! - Andy - BELLINGHAM, WA

The communication was great. We were very happy with the process. The only thing that kept us in constant stress was the extra 10 day covid clause. where they would be able to close up to 10 days late if they were busy. this caused great stress not knowing until the very last second if we were to close on time. - Anastacia - Lynden, WA

We have used Josh now for our first home purchase and most recent, a refinance. Both can be a daunting task but Josh’s style of presenting information that makes sense to the common person was excellent, he made sure you understood everything, and always makes sure questions are answered and addressed. You can feel confident that your making the right financial choices with Josh. Great experience and you come out of it feeling like you have made a new friend. Highly recommend! - Hannah - SEDRO WOOLLEY, WA

Very informative, patient and helpful. Helped us ever step of the way! - Brenna - FERNDALE, WA

Joshua was very through and communicative. Whenever I had a question he answered it promptly and when there was a lot of information, he would call me to help me understand - Alexander - Vancouver, WA

He always get results and always has our best interests in mind. - William - Bellingham, WA

Josh listens, and then comes up with options that meet your needs. He gives good advice. He patiently explains anything that might be confusing. Not to mention he's about the friendliest person ever. - Peter - Bellingham, WA

Joshua and his team are so supportive and responsive. I did my initial house loan with Joshua, and again had a great experience this time around with the re-finance. Just made the process so easy. I heartily recommend Joshua and his team! - Shari - Bellingham, WA

Incredibly insightful and knowledgeable about the financial situation. Great advice from Joshua and great support from Clarissa. - David - Custer, WA

- Shane - Lynden, WA

Josh Henry and Kirstin Neighbors were terrific. Three years ago I was introduced to Josh Henry. Instead of seeing my credit score and telling me to go away Josh worked with me to help me get my score up. During that time my income increased and the original loan that I had applied for was nor longer optional considering i was making to much. Three years later I am now in my own home. That is thanks to Josh and the team he works with. - Kathleen - Mount Vernon, WA

Our refinance went just as smoothly as our original loan. Thank you, team! - Christina - Ferndale, WA

Joshua gave timely updates on the process of our refinance, and explained the details well in each step. - Jessica - FERNDALE, WA

Great experience working with Joshua Henry and team. Thanks - Ramandeep - Ferndale, WA

Josh's professionalism, coupled with a warm personal connection, made the transaction easy and filled me with confidence. Thank you! - Matthew - BELLINGHAM, WA

Always very friendly and clear communication. I feel like we are in good hands with Josh Henry and his team! - Lisa - Bellingham, WA

A very positive experience. Joshua and his team are very knowledgeable, and good at communicating through the whole process. Thank you! - William - Everson, WA

Josh and his team are great to work with. The process was extremely smooth and easy. Communication with his team was outstanding with constant updates and any question I had was answered quickly. I will recommend josh and his team to everyone I know. - Benjamin - Ferndale, WA

Josh was friendly and patient and answered any questions we had in a timely manner. - Cory - Ferndale, WA

Joshua Henry and his team always worked hard for us and treated us like a friend. They were always quick to answer any question we had. - Angela - LYNDEN, WA

After a big bank lender backed out at the last minute, Josh and his group saved the day for me. Not only did they fund my loan and save my deal, but they found me better terms than the previous lender had offered - David

knowing what was happening each step along the way. quick response when I had a question from Joshua and his team. - Richard - Blaine, WA

After a big bank lender backed out at the last minute, Josh and his group saved the day for me. Not only did they fund my loan and save my deal, but they found me better terms than the previous lender had offered - David - Bellingham, WA

Josh was always there when I had a question, and always explained things in an easy-to-understand way that made me feel comfortable when making decisions. His communication was consistent and thorough throughout the process, and I would be happy to recommend him to anybody. - Shane - Bellingham, WA

Joshua was great to work with during my refinancing process. He was happy to answer my questions and provided great insight and knowledge throughout the process. - Daniel - Bellingham, WA

Joshua and his assistant Clarissa provided excellent support and guidance during my recent refinance. I knew from previous experience that I could trust Joshua’s expertise when it came to making moves to improve my credit or towards getting the best loan for me with the best possible interest rate. I will continue to work with him and recommend him to anyone who is thinking about buying their first home, refinancing, or just preparing for future. - Brittany - Bellingham, WA

This was our third time working with Josh. He has made all three refinances seamless and enjoyable. We value his friendly demeanor, communication,attentiveness and personality. A++++ THANK YOU! - Cameron - Ferndale, WA

Very professional, speedy, and organized! - Seth - BELLINGHAM, WA

Josh and his team were absolutely OUTSTANDING! As a first time home buyer, I had no previous knowledge of the lending process and Josh helped me understand what was happening every step of the way. Josh and his team were easy to get ahold of and communicate with. Josh simply went above and beyond to ensure that I knew what to expect from the process and to guide me through every step. I would 110% recommend Josh, his team, and Caliber Home Loans! - shanonkempt

Friendly, detailed, through, matching our needs and questions, fast responses, we felt very cared for in the process. Best experience with a lender by far! - Evonne - Bellingham, WA

Thank you and your team for your responsive and for working so hard to get our loan processed so we could close on time. I know it was difficult givien we had a short timeline. Everyone in your office was wonderful to work with. - Elizabeth - BELLINGHAM, WA

Josh and his team were absolutely OUTSTANDING! As a first time home buyer, I had no previous knowledge of the lending process and Josh helped me understand what was happening every step of the way. Josh and his team were easy to get ahold of and communicate with. Josh simply went above and beyond to ensure that I knew what to expect from the process and to guide me through every step. I would 110% recommend Josh, his team, and Caliber Home Loans! - Shanon - Pullman, WA

Loved that caliber home loans helped up get where we are at today with our credit and helped us get ready to buy a house and let us know what we were signing up for and let us know thats its an investment for our kids and us!!! - Melanie - Bellingham, WA

Joshua is amazing. He takes time to explain everything and is very helpful through the entire process. He knows his stuff and I have no hesitation to send anyone to him. - Jason - Lynden, WA

I have worked with Josh for a handful of purchases and refinances and he always delivers excellent service. I am sure Josh is very busy with historically low rates, but you wouldn't know it. In fact with all the communication and updates you receive from Josh and his team you'll feel like his only priority. - davidoconnor360

Joshua Henry is extremely knowledgeable and exceptionally pleasant. He returns calls quickly, and makes this process easy. He and his team are fantastic. I highly recommend his service. - Melissa - Lynden, WA

I have worked with Josh for a handful of purchases and refinances and he always delivers excellent service. - David - Bellingham, WA

We requested an unusually short timeline and he met it by communicating clearly what he needed from me at all points along the way and working efficiently behind the scenes. - Mary - Bellingham, WA

Joshua was very helpful, listened to my concerns, worked with me to get what I needed. He didn't try to sell me anything I didn't want, he truly was looking out for my best options. I worked with him before and will again and I have referred him to a couple more people already. - Rebecca - Bellingham, WA

Joshua was very helpful, listened to my concerns, worked with me to get what I needed. He didn't try to sell me anything I didn't want, he truly was looking out for my best options. I worked with him before and will again and I have referred him to a couple more people already. - rebeccamcl

Joshua was very responsive to our needs. He went above and beyond and spent valuable time to ensure we understood the loan type options, the market, and what rate locking looked like. He is informed, friendly, and has excellent customer service. - Stacie - Bow, WA

Josh was super helpful and encouraging as he walked us through our first home! - Marcus - Bow, WA

Josh has been a wonderful person to work with. He is super personable and keeps us updated and informed about our loan. He cares about his clients and is prompt with communication. He keeps in touch about our house and if we need any recommendations for contractors. We feel very supported by Josh in taking care of our mortgage. He is smart and honest and made our home buying process and refinance both educational and exciting. - Cody - Bellingham, WA

Josh was personable, accessible and knowledgeable and I felt he went out of his way to make sure we understood everything about the process. - Danielle - Bellingham, WA

Very Responsive. Felt like I was in good hands the entire time. - Daniel - Bellingham, WA

Quick follow up, clear and open communication, ease of electronic document signing. - Katie - Bellingham, WA

I’ve had Josh and his team close two loans for me now and both were done in a timely manner. I really appreciate that my specific needs we’re heard and taken care of during the whole process. I would highly recommend his team to everyone who is looking for a loan, a refinance or even information on how to get started in buying a house. - Joseph - Everson, WA

He was fast efficient, friendly, notified us when rates changed so we could get a good rate, way better than our old company. He always called you back if you had a question. - Cory - Lynden, WA

Working with Joshua Henry was great! He is professional, prompt and thorough. His team is on top of every detail and are very pleasant to work with. I would highly recommend Joshua Henry and Caliber Home Loans to anyone looking for a home loan or refinance. - Renae - Blaine, WA

We have worked with Josh on several of our loans and he always followed through and have done an incredible job getting us the best interest rates. Thank you Josh! - Maria - Bellingham, WA

Josh ‘s hard work and diligence all the way to the end. - Timothy - Bellingham, WA

Joshua and his team were very attentive to me, helped me understand the process, and gave solid advice. - Peter - Tacoma, WA

Joshua is excellent at explaining concepts in layman's terms. We appreciate his expertise and his willingness to answer our many questions with clarity and patience. - Erin - Tacoma, WA

Joshua and the team at Caliber were wonderful throughout the entire process. Responsive and quick, clear and positive. Kristin was also a great support, and we're so happy to have worked with both Joshua and Kristin. - Felicia - Bellingham, WA

We felt like Joshua was our biggest fan. He heard and understood our unique concerns and needs and had multiple ideas and plans to get us into the house we wanted. We depended on this counsel and wisdom. We knew he really wanted us to succeed. He's level-headed and not pushy. So thankful for all he did for us. - Talia

Joshua was the teacher at our First Time Homebuyers class ages ago and, honestly, we wouldn’t think of working with anyone else. He’s thoughtful, attentive, and really good at what he does. Most importantly he sees his clients as individuals with individual needs and will change his recommendations based on your situation. It’s hard to find that kind of care. We’ve worked with Joshua for two purchases and one refinance now and recommend him to anyone who asks (& maybe some who don’t!) - Rickey - Lynden, WA

Josh was very informative and moved very quickly for us. It was a stressful time I’m sure for everyone with the COVID-19 restrictions but Josh was able to make us feel comfortable and understand our loan. He made sure it aligned with our budget, goals, and the home we purchased. We are very grateful to him and his team, especially Carissa who also kept us in the loop and communicated frequently with us. - Megan - Everson, WA

The communication and expert explanation we received - Richard - Everson, WA

Very helpful and pleasant to work with. Glad we had Joshua Henry to help us get our home loan and walk us through the process! - Ryan - Lynden, WA

Josh and his team are so informative, friendly, easy to talk to, and great at their jobs. We are so appreciative of all you did to make it possible for us to get in to our first home and answering any and all questions we had along the way! Thank you so much for everything. - Ashley - Lynden, WA

This is my third home purchase I have done with Joshua and I cannot say enough about how supportive, kind, patient, and professional Joshua and his team are. Regardless of your situation or you level of knowledge about the process, Joshua makes everyone feel at ease and involved. If you are looking for a friendly, non biased, and supportive lender, then look no further. Also, Josh is spooky good at writing upside down. - crobertson70