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  • Find Your Loan Consultant

  •  APPLY NOW

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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$
$
%
$
years
%
$
/ year
%
$
/ year

Private Mortgage Insurance typically costs between 0.5% to 1% of the entire loan amount over 80% LTV on an annual basis.

$
/ year

Your Monthly Payment

$1,512.46

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

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What to expect

when refinancing.

Refinancing your existing mortgage may be easier than you think.

Learn More >>
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What is the process

for buying a home?

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

Learn More >>
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Smaller down-payment

program options.

Do you have questions about lower down-payment options?

Learn More >>

Loan Consultants

Let’s start this
journey together!

Apply Now
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*Closing cost offer available to customers who apply for a new purchase loan. Only available for single family primary residences and existing Caliber customers. Credit provided at closing. The offer is nontransferable and can only be used by the intended recipient. Advertised discount can only be applied toward payment of closing costs up to a total amount of $1,000 subject to product underwriting guidelines. Any portion of the discount amount not used toward closing costs will be waived.
  
  **A pre-approval does not signify that all underwriting requirements have been met. Actual terms, including interest rate, are subject to change without prior notice and may vary based on eligibility criteria. All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Please contact Caliber for additional details.
  
  ***The lock will be honored up to 75 days total. Your rate is protected for up to 30 days to shop for a home. Once you identify a property, your rate will be locked for an additional 45 days. All rate lock extensions are subject to Caliber’s standard rate lock extension fees All rate lock extensions are subject to Caliber’s standard rate lock extension fees. Not available for all loan products. Please contact Caliber for additional details.
  
  ****Caliber agrees to pay the borrower the amount of the earnest money deposit (up to $5,000) following the home loan closing, if the loan does not close on or before the contract closing date due to a delay caused by Caliber. Void if there are any material changes to income or assets. Offer requires 30 business days from Caliber’s receipt of purchase contract to closing date. Other requirements include: Minimum 700 credit score, owner occupied purchase transaction. LTV and property type restrictions may apply. Available only through the Caliber Retail Channel. Payment may be subject to reporting for tax purposes. Please contact Caliber for additional details.

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