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Loan Products

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Loan Options

Loan Products

Product Categories

Conventional Home Loans

Conventional Loan

Conventional loans are not insured by the FHA or VA. Generally, these are a good option if you have a higher credit score and stable employment history. Interest rates for conventional loans are usually some of the lowest.  

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HomeOne℠

If you’re dreaming of homeownership but still saving for a down payment, you may be able to buy now with a HomeOne℠ mortgage. It only requires a 3% down payment, and you’re not limited to a traditional residence.

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HomeStyle® Renovation Loan

Remodel, renovate or repair your home with HomeStyle® Renovation loan from Fannie Mae. HomeStyle® is also available for new and existing homes – even new construction.  

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Home Possible®

Home Possible® is a Freddie Mac loan program designed to bring homeownership within reach to more borrowers. Home Possible® offers low down payments and easier credit scores.  

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HomeReady™

HomeReady™ is a Fannie Mae loan program that is designed to extend the privileges of homeownership to buyers with limited household incomes.

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FHA Loans

FHA Home Loan

If you are a first-time homebuyer an FHA Loan might be a good choice for its relaxed requirements.  

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FHA 203k Home Loan

If you are looking to buy a home that requires repairs or renovations an FHA 203k can help provide those additional funds before moving in.  

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FHA Streamline Refinance

If you currently have an FHA mortgage, an FHA Streamline Refinance offers several options.  

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VA Loans

VA Home Loan

If you are a military veteran or a service member you may have access to buy your next home using a VA Loan.

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VA Streamline Refinance

A VA Streamline Refinance, or IRRRL, provides you with a faster way to lower or lock in your interest rate with limited costs.  

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USDA Loans

USDA Home Loan

If you are looking to buy a home in a rural location, a USDA Loan can be ideal if you do not qualify for a conventional loan

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Smart Series

SmartEdge

An attractive jumbo mortgage for those who are unable to secure traditional lending due to a recent credit event or looking to purchase or refinance a non-warrantable condo.
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SmartSelf

A smart option for self-employed borrowers seeking the home financing they need and wish to use bank statements to qualify.
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SmartVest

A smart option for experienced real estate investors with complex finances. Finance your next investment property owned for business purposes.
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Loan Products

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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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