Caliber Home LoansReviews of caliberhomeloans.com

This place is a serpents pit

This nitpicky, smallminded and ultimately unprofessional company pushed me to sell my house just so i wouldnt have to deal with their employees who had no idea what they were talking about majority of the time and just tried to make my life as full of fear and misery as they could. Upon purchase, they extended a 4 week closing to about 3 months. During the pandemic they have me no workable options to exit the program: even the underwriter was a bit shocked. During the sale they yelled "foreclosure" at every opportunity even though their own lawyers never considered it. If you want to see how close you can get to a nervous breakdown, by all means do business with those losers. My advice: RUN.

My biggest problem with them is that even when you leave them a secure message in the PORTAL about a change of e-mail, it means nothing. Nobody will do anything with it. Secondarily when your primary residence is on the mortgage documents and they still carry your OLD address as the primary, something is wrong. I've tried countless times to get a human being on the phone to fix things and today is the first time I was able to get actual humans on the phone. Both were polite and nice but the Customer Service lady, though polite, still I think was missing the point that in the year I've had this mortgage, not one person used my phone number to call me to get things straight even after a PORTAL message. I've tried and tried to get them to understand that I was changing insurance companies, but there's nobody there. They billed me for almost 1k dollars to carry insurance which in effect is 'dual' coverage for the same dwelling now because they just do not allow themselves to be answerable to their clientele at all. Customer care agent one' in their insurance department listened to me and understood. Customer Care agent 'two' heard me but wouldn't do anything but the change of e-mail and physical adress which should have been reality for the physical address on day one. Last complaint, is even though they had my old address I was not yet moved out of on file, they still did not get keys to me at the new address till about 1 pm on the day after I arrived there to begin moving in, meaning I had to put my belongings on the back driveway carport and in the front lawn and porch. All in all the whole experience has been fraught with just terrible service with regard to understanding that I intentionally delayed my departure to get keys from them so I could move my belongings into the new residence without hassles. I would NOT recommend them but here again much of the corporate realm in America is with very 'broken' and 'inadequate' processes. Who in their right mind would continue to send snail mail to your old obsolete, no longer there address? CALIBER HOME LOANS did that. Yeah. Think about it. :( Months spent trying to get things updated and corrected and no interest on their part to ensure they have correct and current data. I have proof they NEVER CALLED ME ONCE in a year, and with the exception today of actually getting real human beings, I get the impression that they just want the money and don't care about anything but that. I tried to keep them in the loop and they only care about the money. Very very very very sad. They really have to get a clue and really understand that by making it hard to get incorrect things fixed, they are a part of the PROBLEM!

We have had a mortgage with Caliber for a year now. We have never been late on a payment until last month and now this month through no fault of our own. It never got to be over a few days late, but only because we had to call and complain. Before last month we were allowed to make payments via debit card making them instant and having no issues whatsoever. Now anytime we have tried to pay with our bank account since they took debit away we have had issues and no help. The first time was resolved fairly quickly, but this time has been worse. They claimed we had "insufficient funds" even though we had well over the amount needed for two weeks and have the bank statements to prove it. Our bank said they had no issues on their end and have yet to receive a charge from Caliber. Their BBB page is riddled with complaints pertaining to payment issues and they still refuse to fix it. People paying with checks have had issues being credited their payments. We as consumers can't choose our mortgage servicer which is ridiculous so good luck to anyone who gets stuck with this unhelpful company. Avoid Caliber Home Loans if you can.

Frank Gemma, Loan Officer at Caliber Home Loans, was very unprofessional and disorganized. He said we were 'all set' for our closing date. Well come to find out, they never sent our signed IRS request for tax transcripts form after having it for 3 1/2 weeks! This would have added 2-3 weeks longer to close which would have caused us to lose the deal on the house. Within a week of closing, we had to fire Caliber Home Loans and find other resources to make the closing happen on time. Frank also sent our personal financials to our realtor. He did not apologize to us for any of the above but did apologize to the realtor. Of course he did, as she is a lead resource. In addition, Laura Dauphinais, Mortgage Loan Processor, asked for the same financial information several times..disorganized, to say the least. Because of these above reasons, we would not recommend Caliber home Loans to anyone!

In January of 2021 I took the Covid Forbearance - from January thru December of 2021. during the forbearance I paid every escrow payment. I started back making the normal monthly payment in January of 2022. At the end of the forbearance paperwork call Partial Claim was return back over to Caliber several times. Caliber states no we only show we sent you the partial claim package and you never return it. So during the entire Forbearance I do not have access to my online portal for Caliber so each payment made I have to call in and speak to someone then at some point they stop that and said payments only by mail. I call in on 06/14 to make my normal June payment and now I was told by Caliber my home is under foreclosure and Foreclosure started on May 5 - remind you I made a normal payment on May 14th - On June 14th I was told no we cannot take your payment since you under foreclosure and that foreclosure just took place on May 25th and I would need to complete a Mitigation package asap and I done this - I have been calling everyday to confirm that Caliber receive my documents and I was told 3 to 5 business days to upload to my file and afterwards I would know. Also another issues Caliber forced me in to Forbearance - I started refinancing with Caliber for lower rate due to for seen circumstance with Covid and other heart issues - I started the refi process in October of 2020 and it was lead on and on after being conditionally pre approved - signing documents - receiving paperwork. In January of 2021 I call Caliber and was dealing with an Alexis Finnely who said Novad had not sent them the documents - I email Novad and CC all the Calibers Loan Reps involved and Novad said the documents was sent back to Caliber in December. After going back and forward by phone and email in January of 2021 the day after I took Forbearance a Chelsea Geter call with joy to tell me my refi loan was approved but if I had taken the Forbearance this would disqualify me. Later found out Caliber was working with one of my debtors and they needed time to file a bogus lawsuit. I have never miss any payments with Caliber and they have foreclosed. SMH. Its more people involved in this. Not to mention it on my credit report as late.

My house was totally destroyed by a house fire on 4 April 2022. Because there was a mortgage owe to Caliber Loan the insurance company mailed a two party check. I called on numerous occasion to request the overage refund be expedited due our unusual circumstance. Also, my husband is military and we're in the process of moving. Caliber representative was unable and unwilling to work with us to have the process expedited. Please ensure there's a faster or exception to process to assist customers trying to recovered from a traumatic event.

The teams are unresponsive and condescending. This company also charges rates way above what you can get in the market.