As a licensed Realtor who used Caliber for my recent purchase, I would highly suggest you look elsewhere. Closing estimates were off by thousands, closed 2 weeks after a clear to close was given and our HUD changed 4 times before settlement all while reducing my lender credit. At the end of the day I spent 8 thousand more than what was estimated at the beginning of the loan process and 4 thousand more than what my approved HUD noted 2 weeks before we actually closed. I will never use them again or refer another client for their mortgage services. And after all of the disasters it caused for our family, all I get from Caliber is, "We don't do a lot of these types of renovation loans. Sorry."