One of the direct-seller mortgage agencies in the US is Caliber Home Loans Inc.

USDA, VA, and FHA loans with government backing are offered; closes the loan in 10 working days.

There are conventional, adjustable-rate, jumbo, and refinancing choices are also available.

It gives first-time homebuyers access to 3% down payment HomeOne loans from Freddie Mac.

With a minimum FICO score of 620, they accept borrowers, increased conventional loan cap by from $548,250 to $625,000.

According to Time, processing and underwriting costs for Caliber loans can reach $1,500 on average.

For FHA and VA government loans, a minimum score of 580 and a score of 675 are recommended for the more advantageous rates.

The Caliber website suggests that a reasonable loan should keep your DTI at or below 43%.

Caliber Home Loans may be able to lower closing costs for first-time buyers.

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Even though the CFPB received 228 complaints about mortgages in 2021, Caliber Home Loans maintains an overall rating of 4.5 stars out of 5.

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