Track, save, and lock current mortgage rates and pricing information instantly using H2O Online.

At Caliber Wholesale our mission is two-fold. First, we're dedicated to putting borrowers on a successful path to homeownership. To achieve that goal, we provide you with tools to make that happen and – build your business.

Our exclusive offerings are designed to provide key market insights and information about the state of the mortgage industry. You can use these Caliber Wholesale resources to generate more leads, improve your closing rate, and make your business boom.

Our Capital Markets Team closely monitors the state of the industry and watches for key market indicators to help regularly adjust our rate sheet data. It’s just one way we do the heavy lifting so you can focus on building your success and getting borrowers into their dream homes.

How it works:
  • When you become a Business Partner with Caliber Wholesale, we’ll automatically email you a Daily Rate Sheet.
  • Our automated system will allow you to quickly run scenarios and price loans.
  • No documentation upload is required.
  • You’ll be able to view pricing details, save scenarios, and revise search inquiries as you go.
  • We will return lists of eligible products your borrowers are qualified for.
  • You can assign products and lock loans directly from H2O and H2O Mobile. 
  • Rate sheets can be found in H2O under the Resources > Rate Sheet & Product Guide tab.
  • You can run loan scenarios in H2O under the Loan Advisor > Find My Product tab.

Ready to get started? It's easy!


Go to the H2O rates and pricing tool


Enter your search information


Receive and view your personalized rate sheet


Save, share, or adjust your inquiry

More about H2O Wholesale Mortgage Rate Sheets

What is a rate sheet?
A Caliber Wholesale Mortgage rate sheet is a document with a detailed table of interest rates and prices that are prepared for you through H2O.

Why use Caliber H2O to get wholesale mortgage rate sheets and prices?
The more often you look up current mortgage rates, the more likely you are to find a lower rate. Rates change, and you can use H2O to stay up to date, save your searches, and refer back to them quickly.

How are mortgage rates calculated?
Mortgage rates are calculated using a combination of economic and geographical variables. Due to the constant fluctuation of the economy, bond rates, and more, mortgage rates are always changing. While you can’t control the conditions that influence mortgage rate calculations, you can control how much you know about your borrowers’ options at any given time.

Mortgage rates are impacted by:

  • The economy
  • Demand
  • Bond rates
  • Borrower credit score
  • Down payment amount
  • Property location
  • Loan amount
  • Closing cost
  • Loan type
  • Loan term
  • Interest rate type

What is a mortgage rate lock, and why is it important?
Once a borrower is happy with a rate, you should lock it immediately before it changes. This is a Loan Officer’s guarantee that the rate won’t change with the market as long as the borrower pays the agreed-upon interest rate on the agreed-upon closing date.


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