David Hayward from Caliber Home Loans called me for prequalification after I had spoken to a real estate agent who I assume referred me to him. At first Mr. Hayward seemed upbeat and positive even after I told him that before we could begin the loan process I would have to unfreeze my credit at the three major credit bureaus. I had explained to him why I had them frozen and Mr. Hayward seemed ok with that. I was out of town helping my son who is in the military with his girls, left my pin numbers needed to unfreeze my accounts at the credit bureaus at home but wanted to start the mortgage process so when I got back home I could be looking for a house soon thereafter. Mr. Hayward took some personal information from me and waited for me to get back to him once my credit had been unfrozen. I called two of the credit bureaus and had to answer questions that went years back. But I was able to get them to lift the freezes. But I went online with Experian and missed an old phone number from 19 years ago that I had forgotten. That locked me out of the website. When I called Experian, I was told to do this and mail that and it would take 90 days! I called Mr. Hayward and explained my situation and he assured me that he could work with the information from just two of the bureaus. A few hours later, I received an email from one of the bureaus that my credit had been pulled. I waited for an email verifying that the other bureau had been pulled but never received the email. So I called Mr. Hayward; HE WAS AWFUL! Look, I realize I had called Mr. Hayward several times throughout the day, and that can be annoying. But he made me feel welcomed to do so. But that last call to him has upset me until this day. I called Mr. Hayward to let him know that one of the bureaus had been pulled. Mr. Hayward in a RUDE tone told me it had not. He basically called me a liar! And even after I had explained to Mr. Hayward initially why I froze my credit, he RUDELY asked me again why I had done so. I called the bureau back and was given a number for Mr. Hayward to call to check why he had not received the information. When I called Mr. Hayward with that information, thinking that I was helping, he RUDELY and I do mean RUDELY told me that it was not his job to do that. He told me that he would pull my credit the next day in the morning. I have not heard from him since and that has been over a week ago! I was going to let how Mr. Hayward treated me slide until someone else heard my story about him and told me to call his company so others would not have to endure what I have from Mr. Hayward. I decided to post a review instead. I hope this does help someone else!

First time home buyer and Mamta helped me through every bit. I felt comfortable and she explained everything I had questions on. The easiest experience l had for buying a home for the first time. Thanks Mamta!