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Loan Consultants

Shirley Clough has been in the mortgage profession for 29 years and has worked for Caliber Home Loans for 16 years in Kent, Washington. She finds it very rewarding working with her clients to purchase or refinance their homes, from first-time homebuyers to buyers on their forever homes.

Our relationship with each client does not end at closing. Monitoring the market to ensure you are in the right home loan and reaching out if it makes sense for you to refinance. I want to safeguard your greatest financial asset. To further assist you, I have aligned myself with top realtors, tax advisors and financial planners willing to help you further with your financial goals. I am dedicated to supporting you through one of the biggest financial decisions of your life.

Specialties: Shirley provides financing for residential real estate. First time homebuyer programs with down payment assistance. Renovation lending for rehab homes. VA financing, FHA financing, Conventional financing.

What sets me apart from other lenders:

  • Renovational Loan Professional - experienced in renovation loans with a dedicated processing, underwriting and funding team who will simplify the typically cumbersome process of a renovation loan and assist every step of the way. You can feel confident knowing your transaction is in great hands from start to finish.
  • A diverse portfolio full of loan types, Caliber Home Loans offers solutions to fit your unique needs
  • While the home buying process can be intimidating, we offer a simple step-by-step process to help you get the most out of your mortgage.

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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.

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Your Monthly Payment


Your Payment

Monthly Principal & Interests : $1145.80

Monthly Real Estate Taxes : $316.67

Monthly Insurance : $66.67

Monthly PMI : $0.00

Total Monthly Payments : $1529.13

Additional Information

Loan To Value Ratio : 80.00%

Months With PMI : 0 months

Educational Block

What to expect

when refinancing.

Refinancing your existing mortgage may be easier than you think.

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What is the process

for buying a home?

Caliber Home Loans, Inc. ("Caliber") has streamlined the process for you!

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Smaller down-payment

program options.

Do you have questions about lower down-payment options?

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Loan Consultants

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