Definitely will not be recommending. Had to refinance to remove my ex from the mortgage. Started in February. Was told should not need a co-signer. Finally went to underwriting in May. Kept being told week after week something else they needed. Why not just tell me everything at once. THEN was told in June if I wanted o get money out of equity, I would need a cosigner. THEN the following week was told I definitely need a co-signer, no way around it. Had to have a re-inspection for the appraisal and got a notice I needed to pay an additional $150 for this. Caliber said THEY were paying it so to ignore the email. Next set of disclosures I get, the $150 is added on to my closing cost. When asked about it, supposedly Caliber paid 3K to get me a lower rate in exchange for the re-inspection fee. Everything is finally in underwriting. I'm told I should know by the end of the day when it will close or if there is anything else needed. Come the end of the day, I'm told should know in the morning. Come the next day, still nothing. I'm told UW gives 24 hour window to respond. It's now been over 48 hours and I'm still waiting. One thing I was also told, she, the loan officer, helped to rebuild my credit. Um, no. She just told me what underwriting told her, how much I have to get my credit card down to before they can start the process.
Worst customer relations ever. T least with this loan officer. Never returned a phone call. Texts and emails sent multiple times, usually got a vague response, not answering specific questions, not informing me. Oh, I was told I would get X amount and my monthly payment would be Y. I get a disclosure which shows Z for the cash back and the same mortgage payment. When asked why, because the difference between X and Z would got to pay a debt. Um, that is not how I want that debt paid and why was this not brought up with me?
Terrible communication from this person. read more