Fresh Start Program - Portfolio Lending Program | Caliber Home Loans

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Purchasing
Purchasing
Buying a home is one of the most exciting times in our lives. At Caliber Home Loans, Inc., we work hard to make sure you have a positive, fulfilling experience.
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- First-Time Home Buying Guide
  
  First-Time Home Buying Guide
  Be a smarter home shopper in under 10 minutes. From understanding the benefits of prequalification to navigating the mortgage process, find it here.
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- Pre-Qualifying and Pre-Approval
  
  Pre-Qualifying and Pre-Approval
  Quickly get an estimate of the home loan amount you may qualify for by speaking with a top ranked-national mortgage company. Increase your chances of winning a home bid.
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- The Ultimate Home Buying Experience
  
  The Ultimate Home Buying Experience
  We've taken the best of today’s cutting-edge technology and created a faster, easier home loan process.
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- Closing Costs
  
  Closing Costs
  
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- Escrow Accounts
  
  Escrow Accounts
  Mortgage lenders may establish an escrow account as part of your home loan. Funds are collected in your monthly payment to pay taxes, insurance, etc.
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- Insurance
  
  Insurance
  
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- Payments
  
  Payments
  A mortgage payment includes more than principal, what you are repaying on your balance, and interest. Escrows for taxes and insurance may be added.
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Refinancing
Refinancing
Refinancing with Caliber could mean cash in your pocket or obtaining a lower rate to accommodate your current situation.
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- When to Refinance
  
  When to Refinance
  
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Loans & Programs
Loans & Programs
We offer a variety of home loan and refinancing options to help ensure your home loan is truly affordable. Your Caliber Loan Consultant can answer your questions and help you apply.
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- Conventional Loan Products
  
  Conventional Loan Products
  Good option for homebuyers with higher credit scores and stable employment histories. Conventional loan rates are usually some of the lowest.
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  Conventional
  
  Conventional
  
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  DU Refi Plus
  
  DU Refi Plus
  
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  Home Possible®
  
  Home Possible®
  
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  HomeOne℠
  
  HomeOne℠
  A great option for first time homebuyers. 3% down and not limited to a traditional, single-family residence. Own your dream home.
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  HomeReady™
  
  HomeReady™
  
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  Homestyle® Renovation
  
  Homestyle® Renovation
  
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  Jumbo Interest-Only ARM
  
  Jumbo Interest-Only ARM
  
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  Jumbo Loans
  
  Jumbo Loans
  
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  Relief Refinance
  
  Relief Refinance
  
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- Government
  
  Government
  Government Specific Loans Offered by Caliber Home Loans.
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  FHA Loans – Fixed-rate and ARMs, high-balance
  
  FHA Loans – Fixed-rate and ARMs, high-balance
  An FHA Loan Is Partially Insured by the Federal Housing Administration (FHA).
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  FHA 203(k) Fixed Rate Rehab
  
  FHA 203(k) Fixed Rate Rehab
  FHA 203(k) Rehab loans enable you to buy a home that’s in need of repair or renovations by providing additional funding before move-in.
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  FHA Streamline Refinance
  
  FHA Streamline Refinance
  Reduce Your FHA Loan Payments With a Streamline Refinance.
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  USDA Loan
  
  USDA Loan
  Rural Housing Fixed Rate Financing With No Down Payment Options.
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  VA Streamline Refinance (IRRRL)
  
  VA Streamline Refinance (IRRRL)
  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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  VA Loans – Fixed-rate and ARMs, high-balance
  
  VA Loans – Fixed-rate and ARMs, high-balance
  Partially Insured by the U.S. Department of Veterans Affairs (VA) and a Valuable Benefit for Military Veterans and Active Servicemen and Women.
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  VA and Military Lending
  
  VA and Military Lending
  
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- Caliber Portfolio Lending Program
  
  Caliber Portfolio Lending Program
  A Suite of Loan Products Supported by a Product Team Dedicated to Promoting and Preserving Home Ownership for More Families Across the Nation.
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  Elite Access
  
  Elite Access
  Elite Access was designed to assist borrowers who are buying or refinancing a high-value property.
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  Premier Access
  
  Premier Access
  For borrowers looking for loan amounts from $100,000 to $3 million with higher ratios. You may qualify with a 50% Debt to Income (DTI) ratio.
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  Homeowner's Access
  
  Homeowner's Access
  If you’ve had past difficulties keeping up with mortgage payments and don’t qualify for traditional financing, this loan may be for you.
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  Fresh Start Program
  
  Fresh Start Program
  Loan tailored for people who are working to rebuild their credit after a recent bankruptcy, foreclosure, deed in lieu of foreclosure or short sale.
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  Investor Access
  
  Investor Access
  The Investment Program can finance an investment property – even if you already own one or more investment properties.
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  Investment
  
  Investment
  The Investment Program can finance an investment property – even if you already own one or more investment properties.
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  Professional Elite
  
  Professional Elite
  Self-employed? No W-2’s? This is the program for you!
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- National Builder
  
  National Builder
  
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Tools & Resources
Tools & Resources
Getting ready to buy your first home, move up or refinance? Our online calculator can help you prepare. Decide how much home you can comfortably afford, and more.
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- My Account
  
  My Account
  Loan payments, Statements and Payment History, eStatements Schedule, Account Alert Emails and more are available once you have registered online.
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  Managing Your Account
  
  Managing Your Account
  Manage Your Account Online with Self-Service Tools like One-Time and Recurring Electronic Payment, Payment History and Online Statements.
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  Mobile Application
  
  Mobile Application
  Caliber mobile application.
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  Fees & Fee Descriptions
  
  Fees & Fee Descriptions
  Loan Servicing Schedule of Fees.
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  Document Glossary
  
  Document Glossary
  Names, templates and descriptions of the documents often required during the Servicing of your loan.
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  Hardship Assistance
  
  Hardship Assistance
  If you are experiencing difficulties and need assistance, please talk to us and lets work together to find the best solution for you.
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- Disaster Assistance
  
  Disaster Assistance
  From how to handle repairs to help with your monthly payment after a natural disaster, learn what options are available under your loan program.
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  What To Do After A Natural Disaster
  
  What To Do After A Natural Disaster
  
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  Insurance Process
  
  Insurance Process
  Usually your insurance company will issue your claim payment to you and your mortgage lender. Know what to do so that your home repairs go smoothly.
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  Payment Relief Options
  
  Payment Relief Options
  If your home is in a designated FEMA disaster area, you may be eligible for payment assistance. Each loan program varies. Learn more here.
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  Long-Term Assistance
  
  Long-Term Assistance
  Many mortgage investors offer what is known as a Disaster Forbearance Plan to homeowners impacted by a natural disaster, suspending payments on a temporary basis.
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  Agency Resources
  
  Agency Resources
  If you have been impacted by a natural disaster, there are many agencies that can help.
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- Mortgage Calculator
  
  Mortgage Calculator
  Estimate how a mortgage can affect your monthly finances with our mortgage calculator.
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- FAQs
  
  FAQs
  Clear, concise answers to questions frequently asked by Caliber homeowners.
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- Market Commentary
  
  Market Commentary
  
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- Hints for Homeowners
  
  Hints for Homeowners
  
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- Mortgage Servicing Acquisitions
  
  Mortgage Servicing Acquisitions
  
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  Security
  
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  Legal
  
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  Website Terms of Use Agreement
  
  Website Terms of Use Agreement
  
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  Privacy Policy
  
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  Licensing & Disclosures
  
  Licensing & Disclosures
  
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  Caliber Account Terms & Conditions
  
  Caliber Account Terms & Conditions
  
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  Online Application Terms and Conditions
  
  Online Application Terms and Conditions
  
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About Us
About Us
Imagine... A mortgage lender created by industry experts who understand the challenges of today’s home financing market. Caliber Home Loans, Inc. is part of a culture that concentrates on you.
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- News
  
  News
  Caliber Home Loans in the News.
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- History
  
  History
  History of Caliber Home Loans.
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- Leadership
  
  Leadership
  The Leadership at Caliber Home Loans.
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- Careers
  
  Careers
  
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- Sanjiv's Scoop
  
  Sanjiv's Scoop
  Caliber Home Loans CEO, Sanjiv Das in the News.
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Contact Us

Contact Us
Contact Us About Purchasing, Refinancing, Payment Info and Any Other Home Loan Question.
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FRESH START

Fresh Start is one of our Portfolio Lending Suite of home financing solutions. These loans are designed to assist borrowers who can prove their ability to repay a mortgage, but may not qualify for traditional mortgage financing.

IS FRESH START FOR YOU?

If you’ve lost a previous home to foreclosure, short sale, or deed-in-lieu

If you’ve recently had to declare bankruptcy

If you don’t have a traditional credit score

If you have a 580 minimum credit score

You may qualify for Fresh Start!

FEATURES AND BENEFITS

No waiting period, or “seasoning” is required after a bankruptcy, foreclosure, deed-in-lieu of foreclosure or short sale

Low minimum credit scores accepted

You may finance a single family residence, condominium, co-op, a 2-4 unit property or a home in a Planned Unit Development (PUD).

Loan amounts from $100,000 to $1 million

Fixed- and adjustable-rate mortgages (ARMs) are available

Low down payment option

LET US GUIDE YOU HOME

Caliber is committed to assisting more borrowers with achieving their dreams of home ownership by providing affordable, personalized lending solutions. Your local Caliber Loan Consultant can help you apply for financing and answer all of your questions.

Ready to Purchase a Home?

Find a Loan Consultant in Your Area to Get Started.

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Looking to Refinance?

Contact a Loan Consultant Directly to Start the Refinance Process.

How much can I borrow?

The loan process many times boils down to what you can afford. A good way to check your potential finances is to utilize a monthly payment calculator such as the one found here with Caliber.

Go to Calculator

Fresh Start

Designed to elevate your opportunities in the housing market and get you back on your feet, the Fresh Start program boasts features such as low down payments and favorable credit score requirements. Is Fresh Start for you?

More About Fresh Start

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