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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Caliber Home Loans's account


How to register an account on Caliber Home Loans

You must first create an account to obtain loans from Caliber Home Loans. The lender will assign an underwriter or a loan consultant to you before they can approve and disburse your loan. Besides, an underwriter will analyze your credit score and the debt-to-income ratio before approving your mortgage. However, the credit score and down payment requirements differ depending on the loan type. When opening an account, ensure that you get everything right to avoid complications when you apply for a loan.

You can apply online, on the app, or at a Caliber Home Loans physical branch. To register online or via the mobile app, you can follow these steps:

  • Download the Caliber Home Loans app or head to the online application page

  • Click on My Account

  • Click on Create an account

  • Enter your personal information

  • After filling out the online form, you will get a notification of successful account creation.

How to reset a password on Caliber Home Loans

If you forget your password, head to My Account, then click Reset Password. You will then be prompted to enter your username. Note that if you are an AD user, you can only contact the helpdesk to change your password. After entering your username and clicking Reset Password, your new password reset instructions will be sent to you.

How to delete an account on Caliber Home Loans

To delete your account, contact Caliber Home Loans, informing them of your intention to delete an account. Once your account is disabled, you can uninstall the Caliber Home Loans app if you have it on your phone and remove your data from the company.


How does Caliber Home Loans work?

After applying for a loan through their website or phone, Caliber will send an underwriter to evaluate your application. The underwriter will go over your income and assets. They’ll use this information to determine your eligibility and the kind of loan you might be eligible for. If that’s the case, they will provide you with an interest rate estimate and a projected closing date.

How do I contact Caliber Home Loans?

Caliber Home Loans customer service is available Monday through Friday from 8 a.m. to 8 p.m. CST and Saturday from 8 a.m. to 12 p.m. CST via the following platforms:

  • Email:

  • Phone: 1-800-401-6587 or 1-888-426-7002

Financial products

Caliber Home Loans
Home Loan
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
up to $300.000

Effective interest rate on the product

up to 4%

Loan term for the financial product

up to 30 years

Calculate loan payments in Caliber Home Loans

Caliber Home Loans calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

10000 $
300000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Caliber Home Loans

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Caliber Home Loans and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Caliber Home Loans’s reviews by October 2022
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