Caliber Home Loans is one of the largest wholesale mortgage lenders in the country.  They offer a wide range of loan programs, including conventional, government, and special portfolio loan products.

Caliber Home Loans – Portfolio Loan Products

Below is an overview on the different special portfolio loan products that Caliber Home Loans offers:

Fresh Start Program

If you have had a recent bankruptcy, foreclosure, or short sale, the Fresh Start Program may be an excellent option for you.  There are no waiting periods (seasoning requirements) for such major credit events (meaning you could be eligible for a mortgage even just 1 day after a bankruptcy, foreclosure, or short sale).

Highlights of this program:

  • The minimum credit score required is 580.
  • Loan amounts are available up to $1,000,000.
  • Low down payment options available.

Elite Access

The Elite Access program is for borrowers who wish to purchase a high cost property, but do not qualify for conventional jumbo programs.

Highlights of this program:

  • Loan amounts are available up to $3,000,000.
  • DTI ratios up to 55% with compensating factors.
  • May qualify with asset depletion.
  • LTV up to 95% on loans up to $2,000,000.

Premier Access

The Premier Access program is designed for borrowers who wish to refinance a high value property.

Highlights of this program:

  • 650 credit score required.
  • Cash out refinance up to $750,000.
  • Asset based qualifying is allowed.

Homeowners Access

The Homeowners Access program is intended for borrowers who can prove they have the ability to repay a mortgage, but do not qualify for a traditional mortgage program.

Highlights of this program:

  • 610 credit score required.
  • Shorter waiting periods for bankruptcies, foreclosures, and short sales.
  • Non-traditional credit sources accepted.
  • DTI ratios up to 50% accepted.
  • Gift funds for down payment and closing costs allowed.


The Investment program offered by Caliber is designed for borrowers who would like to purchase several different investment/rental properties.

Highlights of this program:

  • 620 credit score required.
  • Loan amounts between $100,000-$2,000,000.
  • Low down payments options available.
  • Available to purchase unlimited number of investment properties.
  • Seller contributions are allowed.
  • No prepayment penalties.

You may also learn more about Caliber Home Loan’s portfolio lending programs, here.

Caliber Home Loans – Traditional Loan Products

In addition to Caliber Home Loan’s portfolio loan products, they also offer several conventional and government loan programs, such as:


Below are the different conventional loan products that Caliber offers:

  • Conventional
  • Relief Refinance
  • Homestyle Renovation
  • Home Possible
  • Homeready
  • DU Refi Plus
  • Jumbo Loans
  • Jumbo Interest Only ARM


Below are the different government loan programs that Caliber offers:

  • FHA Loans
  • FHA 203k Loans
  • FHA Streamline Refinance
  • VA Loans
  • VA Streamline Refinance
  • USDA Loans

You may contact Caliber Home Loans directly to find out if you qualify for a mortgage.  We can also help connect you with a non-prime mortgage lender that may be able to help you. Simply get in touch with us via our contact form, and we will do our best to connect with you the best lender for your unique situation.