Caliberhomeloans Reviews

Caliber fraud with VA loans forgery impresonation

Caliber Home Loans Inc CAliber fraud with Ginnie Mae securities and VA loans forgery impersonation fraudulent conveyance Caliber fna Countrywide Financial is a part of Bank of America mob and NOT a Servicer or owner investor ask them for a copy of your Note with full chain of assignments and see that happened Its a sham conduit for BOA to pose as a servicer and cover BOA involvement in your loan If you purchase your loan from Caliber - they are merely money changers for BOA In fact all manipulations with your mortgage including monthly invoices are conducted by BOA who sends you billing statements and secretly collect your mortgage payments as their INCOME while BOA sold your loan myriads of times and collected about 20 per 1 profits even before you start to amortize your loan This is why Caliber often has no idea about that is going on with your payment - they do not handle it Caliber is owned by a predatory forecloser Lone Star Fund owned by Mr John Grayken whose billions are coming from buying intentionally defaulted loans from HUD pennies for dollar and resell them for profits which they share with BOA who does not want you to know about them as a REAL party in your mortgage See Forbes article The Billionaire Banker in the Shadows to learn more about Mr Greyken aka Executioner from Texas Caliber often works with PennyMac another fake Seriver and another part of Countrywide Financial The only purpose in this scheme is to pose as a Servicers and to push borrowers in defaults by manipulating with escrow accounts suddenly increase payment or create bogus deficiencies which again is done by BOA while Caliber and PennyMac act as a cover ups Caliber receives all instructions from another major player in mortgage fraud - Black Knight formerly LPS DocX who forged millions of Notes to push them though the Court system while borrowers did not owe anything to anyone While DocX President Lorraine Brown went to jail LPS changed the name to Black Knight and continue to operate their document forgery mill at full speed and process fake documents to illegally foreclose on borrowers whose identities are stolen to create a windfall of profits for BOA who is trading on your name signature and reputation hundreds times PER DAY BOA owes us royalties from trades no less than 15 Which could be as high as 300K per 100K loan I am a victim of BOA who used Caliber Home Loans and PennyMac in my VA loan to cover up scam with Ginnie Mae securities where Caliber impersonated as an owner and Servicer - without a single document in support and sold my loan to PennyMac who also was not able to provide any evidence of its ownership and recently sent me a poorly forged Allonge to my Note which had NO assignments to any Ginnie Mae Trusts - and of course not even mention PennyMac who are fakes on BOA payroll The Allonge was prepared by Collateral shipper Jordan Luna and had very obvious electronic signature which can be placed by anyone - in other words modern robo-signing Shipper Luna assigned my loan to Caliber instead of Ginnie Mae on the same day as my closing while Caliber lied that they became servicers three weeks later My commitment came from Caliber and Caliber was the original impersonator and money changer for BOA Both Caliber and PennyMac are liars who pose as a servicer They work for Bank of America who merely give servicers passwords to Black Knight document depository to create appearance of sales to various servicers - which did not happened so servicers fakes can defraud borrowers collect payments in the manner which designed to push borrowers in defaults because BOA internally default our loans and illegally foreclose them to get a free house and proceeds from the sale and laugh at us all the way to the bank This is the only way how BOA can cover for their fraud and intentionally broken property Titles so BOA can generate their bogus swaps sales CDOs or Derivatives for their Ponzi scheme with Pension Funds

In January of 2021 I took the Covid

In January of 2021 I took the Covid Forbearance - from January thru December of 2021 during the forbearance I paid every escrow payment I started back making the normal monthly payment in January of 2022 At the end of the forbearance paperwork call Partial Claim was return back over to Caliber several times Caliber states no we only show we sent you the partial claim package and you never return it So during the entire Forbearance I do not have access to my online portal for Caliber so each payment made I have to call in and speak to someone then at some point they stop that and said payments only by mail I call in on 06 14 to make my normal June payment and now I was told by Caliber my home is under foreclosure and Foreclosure started on May 5 - remind you I made a normal payment on May 14th - On June 14th I was told no we cannot take your payment since you under foreclosure and that foreclosure just took place on May 25th and I would need to complete a Mitigation package asap and I done this - I have been calling everyday to confirm that Caliber receive my documents and I was told 3 to 5 business days to upload to my file and afterwards I would know Also another issues Caliber forced me in to Forbearance - I started refinancing with Caliber for lower rate due to for seen circumstance with Covid and other heart issues - I started the refi process in October of 2020 and it was lead on and on after being conditionally pre approved - signing documents - receiving paperwork In January of 2021 I call Caliber and was dealing with an Alexis Finnely who said Novad had not sent them the documents - I email Novad and CC all the Calibers Loan Reps involved and Novad said the documents was sent back to Caliber in December After going back and forward by phone and email in January of 2021 the day after I took Forbearance a Chelsea Geter call with joy to tell me my refi loan was approved but if I had taken the Forbearance this would disqualify me Later found out Caliber was working with one of my debtors and they needed time to file a bogus lawsuit I have never miss any payments with Caliber and they have foreclosed SMH Its more people involved in this Not to mention it on my credit report as late

BROKEN PROCESSES INABILITY TO COMPREHEND THE URGENCY OF LISTENING TO A CLIENT

My biggest problem with them is that even when you leave them a secure message in the PORTAL about a change of e-mail it means nothing Nobody will do anything with it Secondarily when your primary residence is on the mortgage documents and they still carry your OLD address as the primary something is wrong I ve tried countless times to get a human being on the phone to fix things and today is the first time I was able to get actual humans on the phone Both were polite and nice but the Customer Service lady though polite still I think was missing the point that in the year I ve had this mortgage not one person used my phone number to call me to get things straight even after a PORTAL message I ve tried and tried to get them to understand that I was changing insurance companies but there s nobody there They billed me for almost 1k dollars to carry insurance which in effect is dual coverage for the same dwelling now because they just do not allow themselves to be answerable to their clientele at all Customer care agent one in their insurance department listened to me and understood Customer Care agent two heard me but wouldn t do anything but the change of e-mail and physical adress which should have been reality for the physical address on day one Last complaint is even though they had my old address I was not yet moved out of on file they still did not get keys to me at the new address till about 1 pm on the day after I arrived there to begin moving in meaning I had to put my belongings on the back driveway carport and in the front lawn and porch All in all the whole experience has been fraught with just terrible service with regard to understanding that I intentionally delayed my departure to get keys from them so I could move my belongings into the new residence without hassles I would NOT recommend them but here again much of the corporate realm in America is with very broken and inadequate processes Who in their right mind would continue to send snail mail to your old obsolete no longer there address CALIBER HOME LOANS did that Yeah Think about it Months spent trying to get things updated and corrected and no interest on their part to ensure they have correct and current data I have proof they NEVER CALLED ME ONCE in a year and with the exception today of actually getting real human beings I get the impression that they just want the money and don t care about anything but that I tried to keep them in the loop and they only care about the money Very very very very sad They really have to get a clue and really understand that by making it hard to get incorrect things fixed they are a part of the PROBLEM

The teams are unresponsive and

The teams are unresponsive and condescending This company also charges rates way above what you can get in the market

Loan Shark

Caliber charged me the high interest rate of 4 and told me it was because I hadn t yet sold my existing home my new home was considered a second home When I sold my first home they refused to lower the interest rate I decided to pay off the mortgage F Caliber

They won t take your payment and then blame you

We have had a mortgage with Caliber for a year now We have never been late on a payment until last month and now this month through no fault of our own It never got to be over a few days late but only because we had to call and complain Before last month we were allowed to make payments via debit card making them instant and having no issues whatsoever Now anytime we have tried to pay with our bank account since they took debit away we have had issues and no help The first time was resolved fairly quickly but this time has been worse They claimed we had insufficient funds even though we had well over the amount needed for two weeks and have the bank statements to prove it Our bank said they had no issues on their end and have yet to receive a charge from Caliber Their BBB page is riddled with complaints pertaining to payment issues and they still refuse to fix it People paying with checks have had issues being credited their payments We as consumers can t choose our mortgage servicer which is ridiculous so good luck to anyone who gets stuck with this unhelpful company Avoid Caliber Home Loans if you can

My house was totally destroyed by a

My house was totally destroyed by a house fire on 4 April 2022 Because there was a mortgage owe to Caliber Loan the insurance company mailed a two party check I called on numerous occasion to request the overage refund be expedited due our unusual circumstance Also my husband is military and we re in the process of moving Caliber representative was unable and unwilling to work with us to have the process expedited Please ensure there s a faster or exception to process to assist customers trying to recovered from a traumatic event

Save time stress and just use Costco s online Mortgage service

After sending all our information the agent was not responsive Started the loan but took weeks to hear back then some work then weeks again Also gave wrong info on options for loan co-signers Finally went to Costco s online mortgage service and it worked out great We chose Cross Country Mortgage through Costco The fees were better and they had all the options for adding co-signers They also started and completed the loan in 3 weeks It was taking 2 weeks just to get a call back from the Caliber agent -

Avoid Caliber Home Loans

Frank Gemma Loan Officer at Caliber Home Loans was very unprofessional and disorganized He said we were all set for our closing date Well come to find out they never sent our signed IRS request for tax transcripts form after having it for 3 1 2 weeks This would have added 2-3 weeks longer to close which would have caused us to lose the deal on the house Within a week of closing we had to fire Caliber Home Loans and find other resources to make the closing happen on time Frank also sent our personal financials to our realtor He did not apologize to us for any of the above but did apologize to the realtor Of course he did as she is a lead resource In addition Laura Dauphinais Mortgage Loan Processor asked for the same financial information several times disorganized to say the least Because of these above reasons we would not recommend Caliber home Loans to anyone