Helping your buyers acquire the home of their dream begins with securing the right type of loan. That's why Caliber Wholesale offers more options to help your borrowers buy larger, luxurious homes. Even first-time buyers may qualify for financing up to $1 million. 

Features and key eligibility requirements for seasoned borrowers: 

  • 1-4 unit primary residences, PUDs, and condos allowed 
  • Financing up to $1.5 million
  • Appraisal requirements: one appraisal for all loan amounts
  • LTVs/CLTVs to 80% (max loan of $1,500,000 for 80% LTV)
  • Maximum 43% DTI ratio
  • 15-, 20- and 30-year fixed-rate terms
  • Minimum 680 FICO for loans with 80% LTV/CLTV to $850,000
  • Minimum 700 FICO for loans with 80% LTV/CLTV to $1,000,000
  • Minimum 720 FICO for loans with 80% LTV/CLTV to $1,500,000
  • Minimum 6 to 18 mos. reserves (principal/interest/taxes/insurance) required, depending on the number
    of property units

First-time borrower eligibilty requirements: 

  • Financing up to $1 million
  • Minimum 740 FICO score
  • Maximum 38% DTI ratio
  • Minimum 12 mos. reserves (principal/interest/taxes/insurance) required

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

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