This company is a deception. I had a pipe break in my kitchen on July 14, 2018. I settled with my insurance carrier in late August of 2018. I received the insurance claim payment and contacted Caliber Home Loans right away in order to have the payment endorsed for the repairs of my home. It has been a nightmare. I can’t count how many times my husband and I have contact let the resolutions Specialist and sent numerous letters and documentation in order to have the payment sent directly to us (the borrowers). Every time we call it’s the same attitude and the same answer “ We cannot make an exception and you must obtain a contractor for the work of the house”, the problem with that is we cannot find anyone to do the work for the house because all contractors want their money up front and Caliber Home Loans wants to pay them after the repairs are done. The hire a general contractor is a lot of money and it’s money my husband and I do not have! We poured all of our live savings into purchasing our home and our mortgage company is a nightmare. The resolution specialist told my husband the only they can issue the payment back directly to us is for us to submit paid receipts of the repairs......... again we do not have money to fix the house and that’s why we filed a claim with our homeowners insurance company. To top it off, the specialist went as far as telling my husband and myself their is nothing else we can do for you and you would need to get a loan to repair our house and then Caliber Home Loans would release the payment to us...... again we do not have money or time to get a loan to pay for the repairs if Caliber is holding the payment approval hostage and who will reimburse us for the interest paid on the loan??!!!! This has been such a terrible experience, I can’t wait to re-finance our home and get away from these terrible people. All resolution specialist we have spoken have been rude and unsympathetic to our circumstance. They even told us that after repairs are done we have to pay for an appraisal fee of $30, I’m sorry I refuse to pay for something that is for their records and not mines! Every time I turn around Caliber is charging for something new, I can’t do it anymore I already pay too much in mortgage and live paycheck to paycheck. We are going through a hardship now and all I want is my house to be fixed for Caliber make the exception and approve our claim so we can fix our house. There is a hole on the outside wall of my house where water is still coming in, there’s a big hole in the kitchen and walls due to the water damage, how much more longer do we have to keep on with this??? All I want is Caliber to make an exception and approve and issue the insurance claim payment directly to us, so then we get the house repaired. Caliber Home Loans is hindering us from repairing our home.

Terrible customer service. You cant speak to any supervisors or even the same person to handle your loan. Every time you call you must explain to some new person your situation and every time they give you a different response. STAY AWAY!!