Programs

Each Caliber Portfolio Lending product has different benefits and requirements designed to help borrowers facing obstacles qualifying for a mortgage loan.

As an approved business partner, you have access to the full suite of Caliber Portfolio loan products as an extension of your business. When a borrower doesn't meet traditional guidelines, consider offering an alternative and be a loan saver.

Discover the unique aspects of each loan program to fit your client's unique needs.

When a jumbo loan is not an option, consider Premier Access, designed to help your borrowers qualify with a lower credit score and a lower down payment than traditional jumbo financing.

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Features & Benefits

  • LTV up to 90%, with no MI, from $100,000 to $3,000,000 loan amount
  • 5/1 ARM and 30 year Fixed options available
  • Non-warrantable condominiums including condotels
  • Unlimited number of financed properties on primary residence
  • DTI up to 50%
  • $750,000 max cash back
  • Purchase, Rate Term refi, Cash-out refi and Debt consolidation available
  • Interest-only option
  • Minimum FICO 650
  • Eligible income sources include restricted stock units, asset depletion and other solutions for self-employed borrowers
  • Delayed Financing treated as rate term
  • No Pre-Payment penalties
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Borrowers with a history of late mortgage payments or who are recovering from a recent bankruptcy or foreclosure may qualify. Another great feature of this program allows 100% family-provided gift funds towards the down payment.

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Features & Benefits

  • Borrowers with a history of late mortgage payments or who are recovering from a recent bankruptcy or foreclosure may qualify. Another great feature of this program allows 100% family-provided gift funds towards the down payment.
  • Max Loan Amount is $1,500,000
  • DTIs up to 50%
  • Purchase money, Rate Term, Cash-out refinance and Debt consolidation
  • Multiple housing events allowed
  • Maximum LTV 90% with 680 FICO
  • 100% Gift from family members
  • No Pre-Payment Penalties
  • Maximum cash back $500,000 up to 80% LTV an 660 FICO
  • ≥ 24 months seasoning on BK 7 & 11/FC/PFC/DIL
  • Non-warrantable condominiums including condotels
  • Unlimited number of financed properties on primary residence
  • 5/1 ARM and 30 year Fixed options available
  • Minimum FICO 610
  • First Time Homebuyers allowed
  • Rent-free borrowers allowed
  • Borrowers with ITIN's allowed
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Origination Channels

Visit one of the channel specific pages below for more information

Wholesale Correspondent

Borrowers who lost a previous home to foreclosure, short sale, or deed-in-lieu, or who have recently experienced bankruptcy may get the Fresh Start they’re looking for. A lower credit score is required, and non-traditional credit histories may also be accepted. The Fresh Start makes the dream of homeownership a reality.

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Features & Benefits

  • No seasoning requirement for bankruptcy, foreclosure, deed-in-lieu of foreclosure or short sale
  • No mortgage or rental pay history required
  • Minimum FICO 580
  • DTI up to 50%
  • LTV up to 85%
  • Loan Amounts from $100,000 to $1,000,000
  • Purchase, Rate Term, Cash-out refi and Debt consolidation
  • 5/1 ARM and 30 year Fixed options available
  • No Pre-Payment penalties
  • Maximum cash back $350,000
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Expanded options for property investors, including unlimited investment property purchases and model home leasebacks.

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Features & Benefits

  • Loan Amounts up to $2 Million
  • Maximum LTV 85% up to $1.5 Million
  • Minimum FICO 620
  • Unlimited financed properties allowed
  • Low minimum loan amount of $100K
  • Purchase Money and Rate Term available
  • Non-warrantable condominiums including condotels
  • Delayed Financing treated as Rate Term
  • Maximum cash-out $350,000 up to 80% LTV and 640 FICO
  • Model Home Leaseback allowed
  • 6% Seller Contributions
  • 5/1 ARM and 30 year Fixed options available
  • No Pre-Payment penalties
Investment Flyer