New homeowners often have additional (and sometimes unexpected) expenses during the first years of ownership. This is especially so when their new home is larger and requires more furnishing. You can offer your borrowers more options with a high-balance fixed loan (HBL).*

Property Types 

  • Single-family (detached, attached)
  • Planned unit development (PUD) (detached, attached)
  • Low warrantable condominium (detached, attached)
  • High warrantable condominium (detached, attached)
  • Modular home
  • 2-4 units
  • Single-unit cooperative (refer to Cooperative Share Loan Guidelines)

FICO®/Credit Score

  • 620 regardless of automated underwriting system (AUS) findings (minimum FICO requirement may be higher depending on loan parameters).
  • When borrowers don’t meet the credit score guidelines, non-traditional credit is allowed. Refer to Non-Traditional Credit Requirements for more information.


  • Primary residence
  • Second-home
  • Investment property

Caliber Home Loans, Inc. ("Caliber") Wholesale is committed to providing you with the best tools to help more borrowers get into their dream homes.

*Guidelines subject to change. Refer to AllRegs® for details.

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