Help Center - FAQs

Go to https://myaccount.caliberhomeloans.com

and click on the 'Don't have an Account?' link under Account Help.

You will need your loan number and social security number.

Your account number can be found in your Welcome letter and the first page of your monthly mortgage statement.

Once you’ve completed your My Account registration, you can:

• Make online payments
• Set up automatic, recurring loan payments free of charge
• Review your loan statements and payment history
• View and download PDF files of your monthly statements
• Cancel your mailed statements and switch to eStatements
• Schedule Account Alert emails

No. Your terms will not change from being transferred from another Lender.

Your payment may change if it includes amortized ancillary fees or optional insurance products, such as life or disability insurance payments. Ancillary amortized fees may be placed into non-amortizing fees and any optional insurance will not be transferred to Caliber. For optional insurance, you will need to contact your insurance company or agent to set up new payment arrangements.

Caliber is committed to ensuring that sensitive customer information is protected and secure.

1. Select the hyperlink in your Email to get started
2. Enter your Email address and click next
3. Type your temporary password from the second Email you received
4. Set your permanent password
5. Email CHLSecureMessaging@CaliberHomeLoans.com with issues

Please include your loan number on all correspondence.

Note: See the Secure Email Steps doc for more detailed instructions.

Delays can occur depending on the way your bank sends your online bill payment to us. There are three ways that your bank may do this.

1. The funds are immediately withdrawn from your bank account and a check is mailed to Caliber. Caliber will post the funds to your loan within 24 hours of receipt. However, since the check was mailed, there is a delay due to mail time between when the funds were withdrawn from your bank account and when they post to your loan.
2. A check is mailed by your bank to Caliber and funds are withdrawn from your bank account after it is deposited by Caliber. Again, mail time can delay the receipt of the check by Caliber.
3. An ACH is sent (which means no check is sent) and funds are sent to Caliber electronically and posted to your account upon receipt.

Watch the video that explains the process of how your online bill pay payment works: https://vimeo.com/250651249

Watch the video that explains the process of how your online bill pay payment works: https://vimeo.com/250651249

You have several options for making your next loan payment, which will not affect the recurring payments you’ve scheduled. You can:

• make a single online payment
• mail in your next payment
• pay by phone via our automated phone system
• pay by phone with one of our friendly customer service agents.

Credit cards are not accepted by Caliber. We accept payments from your bank account or debit card, or a mailed money order or cashier’s check.

You can set up free recurring payments online through your preferred bank account.

1. Log in and submit a Payoff request from the Make a Request menu.
2. You may also fax your request to 405-608-2003.

You have three options for making monthly loan payments:

• Log in and pay online using your bank account or debit card.
• Mail a check or money order to Caliber Home Loans, PO Box 650856, Dallas, TX 75265-0856.
• Call Customer Service at 800-401-6587.

You can choose from several convenient payment options, including:

One-Time Monthly Payments from your bank account or debit card:

• Your payment will be automatically withdrawn and will post to your account on the date you specify. Any payments made after 9:59 PM CST, or on weekends, will take two business days to be credited to your loan. All one-time drafts take a minimum of one business day to post and can be scheduled up to one week in advance.

Recurring payments from your bank account:

• Monthly Payments:
  • You must be current in order to enroll in this draft frequency. Select one date each month that your payment will be drafted. With this option, you may include an additional principal amount to draft with your payment each month. In order to ensure a late fee is not assessed to your account, your monthly draft dates cannot exceed your contractual due date plus the number of grace period days allowed on your account. For Example: If the due date is the 1st and your account has a 15-day grace period, the draft date may be any date between the 1st and the 16th of the month. If no draft date is chosen, Caliber will set the draft date to be your contractual due date.
• Bi-Weekly Payments:
  • You must be paid 1-month in advance in order to enroll in this draft frequency. Half of your monthly payment will be drafted every 2 weeks on the day of the week of your choosing, Monday through Friday. This option will reduce your principal balance faster by applying your 13th and 26th drafts each year to your principal balance. In a bi-weekly payment program, the first half of your payment will be held in a suspense account until the second half is drafted.
• Semi-Monthly Payments:
  • You must be paid 1 month in advance to enroll in this draft frequency. Half of your monthly payment will be drafted each month on two dates of your choosing (Example: 1st and the 15th). The first half of your payment will be held in a suspense account until the second half is drafted to complete your total monthly payment.

Log in to your account at https://myaccount.caliberhomeloans.com and select Recurring Payment Setup from the menu.  You can set up recurring payments from your bank account in a monthly, semi-monthly or bi-weekly frequency (options available are dependent on loan status).

Yes! Write your Caliber account number on a check, cashier’s check or money order payable to Caliber Home Loans and send it to the address below. Please allow seven to ten days for your payment to arrive.

Yes, Caliber offers two pay by phone options:

1. Our Automated Payment Line is available 24/7 at 800-401-6587. Please be sure to have your account number available when calling. Please note that payments made after 5:00PM CST will post the next business day.
2. Call and speak to one of our friendly Customer Service Agents at 800-401-6587 during our business hours. Please note that payments made after 5:00 PM CST will post the next business day.

Caliber does not charge a fee for making a payment. You can pay in your preferred method, online, through our automated system or with a Customer Service Representative with no charge.

Here are details of each portion of a typical loan payment:

Principal: This is the portion of your payment that gradually reduces the balance that you borrowed.

Interest: The interest you pay is the cost of borrowing money. If you have a fixed-rate loan, this will not change unless you refinance. If you have an Adjustable-Rate Mortgage (ARM), your loan’s rate will adjust up or down at scheduled times – in accordance to the terms of your note.

Taxes: Most loans require an escrow account and will collect one-twelfth of your annual property tax amount in this account with each mortgage payment.

Insurance: Since your annual homeowner’s or hazard insurance premiums are only paid once a year, they’re considerably larger than most monthly bills. An escrow account that’s attached to your loan makes your tax and insurance premiums easier to manage as you pay 1/12th of each bill every month.

Mortgage Insurance: This is different than homeowner’s insurance, and is usually due if you bought your home with a small down payment. This is because most loans with less than 20% equity require Mortgage Insurance, or MI to protect your lender in case of default.

Depending on your loan, you may have up to 15 calendar days to make a monthly payment without incurring a late charge. Refer to your loan’s Closing Disclosure for details of your loan’s grace period, and how late fees are calculated.

Online Payments:

• M-F before 10 PM CST: Next Business Day
• Sat/Sun or after 10 PM CST: 2 Business Days

Mailed Payments:

• Delivered before 12 PM (noon) CST: Same Day
• Delivered Sat/Sun or after 12 PM (noon) CST: Next Business Day

Phone Payments (IVR or CSR):

• M-F Before 5 PM CST: Same Day
• Sat/Sun or after 4:59 PM CST: Next Business Day

An escrow account is an account that’s set up to collect funds for paying your annual property taxes and/or homeowner’s insurance premiums. Other items like mortgage and flood insurance may also be included.

Confused by escrow? Watch our videos to learn more about what your escrow account is for, and how often we review it. ESCROW EXPLAINED: https://vimeo.com/231872654

Many loans require an escrow account to help guarantee your taxes and insurance payments are always made on time. Escrow accounts also enable us to offer you competitive rates and reduce the possibility of your home’s taxes or insurance from becoming delinquent.

• You won’t have to pay your annual property taxes or Insurance premiums yourself! Caliber will take care of this for you.
• Easier, month-to-month payments toward your annual property taxes and insurance premiums. Instead of having to produce the entire payment when due, an escrow account only requires you to pay 1/12 of these costs each month, plus any cushion amount required on your loan.

Typically, the funds in an escrow account pay for:

• Property taxes
• Homeowners/Hazard insurance premiums
• Mortgage insurance premiums if required
• Flood insurance premiums if required
• Condo unit owners’ insurance if required

An escrow account doesn’t pay:

• Interim tax bills, supplemental tax assessments, or any other fees that are not included in your property tax bill
• Homeowners’ Association (HOA) fees
• Premiums for coverage such as personal property insurance
• Utility bills

Your escrow payment is calculated based on the most recent tax and insurance payment information available on your loan. The annual tax and insurance amounts are added together and then divided by 12 to determine the monthly escrow payment. If your escrow account does not have sufficient funds available, a monthly shortage payment may also be added to the escrow payment.

If your property tax payment or insurance premiums change then your escrow payment will also change.

An escrow cushion is money collected to cover any unanticipated disbursements or payment increases. Federal and State guidelines may determine the amount of the cushion which is usually equal to 2 months of escrow payments.

Caliber reviews your account annually to make sure you can cover your property taxes and insurance premiums along with the escrow cushion. This review goes over the deposits and expenses for the previous year and projected activity for next year.

A shortage is any time your projected escrow balance is less than the allowable escrow cushion.

If you have a shortage, it will automatically be spread over 12 months and added to your new monthly escrow payment. You can also pay the shortage in full. Please note: Your payment may still increase due to a change in either taxes or insurance premiums even if the shortage is paid in full.

An escrow surplus is any time your projected escrow balance is more than the allowable cushion.

A surplus less than $50 will remain in your escrow account.

A surplus greater than $50 will be mailed to you in the form of a check if your loan is current in status when the escrow analysis is completed.

Yes. Deposit your escrow surplus check into your own account first. When making your next monthly payment, add the surplus funds for your escrow.

**For your security, please do not endorse the check to return it. This incurs risk if the check is lost or stolen before it is delivered to Caliber Home Loans.

If you are set up on recurring draft with Caliber Home Loans, no action is needed on your part! The new amount will automatically be taken from your account.

Because your bank isn’t aware of the change, you will need to adjust future payments within the bill pay service.

To request that we cancel your escrow account, print and complete the Escrow Removal Authorization Form.

1. Submit online by logging into your online account and select Remove Escrow from the Make a Request menu. Upload the completed form and submit your request to us.
2. Mail us at Caliber Home Loans, Inc., Att: Escrow Department,P.O. Box 268, Springfield,Ohio 45501

Remember to include your account number and the signatures of all borrowers on your loan. Please allow 30 days from the date of our receipt to receive a response letter.

To request an escrow account, you can:

1. Submit a request online by logging in to your online account and select Add Escrow from the Make a Request menu.
2. Print and complete the Escrow Agreement Form and Mail us at Caliber Home Loans, Inc., Att: Escrow Department, P.O. Box 268, Springfield, Ohio 45501

Please allow approximately 45 days to process. Once approved, Caliber will inform you of your monthly escrow payments by mailing you an Escrow Analysis Statement.

Caliber reviews your escrow account at least once a year, although additional out of cycle analyses may be completed.

If you have surplus funds in your escrow account, Caliber will issue a check for your escrow balance within 30 days of the loan paying off.

Generally, an increase in your monthly escrow payments are the result of increased property taxes or insurance premiums.

You will be given two options:

• Net your escrows:Caliber will apply the balance of your escrow account toward the payoff of your existing loan. This may reduce the amount of funds needed to close your new refinance OR increase the amount of cash (proceeds) you will receive at closing.
• Escrow refunds: Caliber will issue a check for your escrow balance within 30 days of the loan paying off.

No. Caliber is required to set up a new escrow account for your new loan.

Your loan can be analyzed more than once on an annual basis. Below are several examples of reasons why this may occur:

1. Caliber recently acquired your loan
2. Anniversary Analysis
3. State analysis
4. Change in your annual tax and/or insurance amounts or due dates
5. Shortage spread extension request
6. Escrow was added to your loan
7. A tax or insurance refund was received
8. Completion of a loan modification
9. Your loan was reinstated

No. If you have an escrow account, Caliber will pay your property taxes for you with the funds you’ve already deposited in your escrow account.

If your loan does not have an escrow account, you will need to arrange payment directly with your county or parish tax office/assessor.

Watch our video to learn more about property taxes. PROPERTY TEXAS EXPLAINED: https://vimeo.com/268821373

Sometimes it will take several weeks for your tax assessor to inform Caliber that you’ve paid your taxes. If this happens, you can send us proof of your recent tax payment. This can be a copy of the receipt from your tax office, or a copy of both sides of your cancelled check.

Please write your account number on each copy before mailing it to:

You may also fax your proof of payment to 817-826-1258.

If you have received a tax sale notice, please contact the Caliber Tax Department at 844-815-6406. The department is open Monday through Friday from 8:00 AM to 7:00 PM CST.

Supplemental tax bills may be issued during your first year in your new home. These are issued when your property’s new assessed value is higher than its previous value. These are not included in escrow accounts as they are not issued every year, so you will need to make arrangements to pay it.

If you can’t pay your supplemental tax bill by its due date, please do one of the following:

1. Contact Caliber’s Tax Department at 844-815-6406
2. Write your loan number on the supplemental tax bill and mail it to Caliber at: Caliber Tax Department P.O. Box 9209 Coppell, TX 75019-9218
3. Write your loan number on the supplemental tax bill and Fax it to us at 509-797-8974.

Login to your account and select the Payment History menu option to view online, or you can review your monthly statement for the disbursement. Tax payments generally take two to four weeks to post to your account after Caliber sends payment to your tax authority.

• Mail:Caliber’s Tax DepartmentP.O. Box 9209Coppell, TX 75019-9218
• Fax: 509-797-8974

Please be sure to write your Caliber loan number on the exemption before sending it to us. If your exemption has lowered your tax bill by more than $500, we may send you a revised escrow analysis. Otherwise, your account will be analyzed annually according to our state schedule.

Call 844-815-6406 or fax correspondence to 509-797-8974.

Contact our Loss Draft Department at 1-866-940-2335 to discuss details of your claim with one of our insurance specialists. They will be able to tell you how to handle the claim funds. You can also upload all of the required claim documents or track the progress of your claim by accessing www.insuranceclaimcheck.com/calib.

Watch a short video about the Loss Draft Process here!

Please contact the Caliber Insurance Department at 1-866-825-9268 Monday through Friday between 8:00 am to 7:00 pm Central Time, excluding federal holidays for assistance.

Once a bill is received from your insurance company, payment will be issued within 21 days of the due date. This time frame allows for mailing and posting by your insurance company for the new term. To view recent insurance payments made on your loan, follow the steps below:

To view recent insurance payments made on your loan, login to your account and select Payment History from the menu.

Write your loan number on your new insurance policy’s declarations page and send it to Caliber Home Loans, P.O. Box 7731, Springfield, OH 45501-7731. You may also fax it to 937-525-4120 or update your insurance information online at: www.MyCoverageInfo.com/Caliber

This will depend on the payee on the check.

If the check is made out to Caliber Home Loans and you have an escrow account, send it to Caliber Home Loans Escrow Dept., P.O. Box 650856, Dallas, TX 75265-0856. This will prevent a future escrow shortage and also informs us that you’ve switched insurance companies.

If the check is made out to you, you may deposit it to your account. We recommend that you transfer these funds to your Caliber escrow account when making your next monthly payment to prevent a future shortage.

If you do NOT have an escrow account, keep the refund! It’s yours.

Your insurance company must provide you with a reason why your coverage was cancelled. You may contact your current insurer and ask that they reinstate coverage, or shop for new coverage from another insurer.

It’s important that you renew your homeowner’s insurance as soon as possible, as your home loan requires it. If your home becomes uninsured, Caliber will have to purchase insurance for you and bill you for it. Insurance purchased by a lender may be more expensive than your previous coverage, and may not provide you with your preferred level of coverage.

If you did not pay your insurance premium because you’re having financial difficulties, please call Customer Service at 800-401-6587 to discuss your options.

This is a clause in an insurance contract that entitles a named mortgagee (Caliber Home Loans) to be reimbursed for damage or loss to the property. This protects your lender (Caliber Home Loans) so we can ensure the damage is completely repaired and the property is brought back to its original state. An insurance claim check will have two payees - Caliber Home Loans and the borrower - on the check.

Please use the following Mortgagee Clause for Caliber Home Loans:

Mortgage insurance is NOT the same as homeowner’s insurance. Mortgage insurance makes it possible for lenders to offer financing with low down payments, as it protects them against non-payment. Your mortgage insurance costs may be added to your monthly loan payments, or you may pay it at closing.

If you have a conventional loan, you may be required to have private mortgage insurance (PMI), while FHA loans may require you to pay Mortgage Insurance Premiums (MIP). PMI and FHA MIP are paid monthly. USDA fee is paid annually.

If your mortgage is a single family, primary residence when the balance of your mortgage is first scheduled to reach 78% of the original value of the secured property (based solely on your initial amortization schedule), your monthly PMI costs will be removed from your loan. PMI also terminates automatically at midpoint of your contract terms as long as your loan is current.

Want to learn more about why you have Private Mortgage Insurance on your loan? View our PMI video for more. PMI EXPLAINED: https://vimeo.com/231872640

If you have a loan with private mortgage insurance, we follow HPA guidelines and will auto-terminate when your loan to value reaches 78% based on your original amortization schedule. However, you have the right to request PMI removal at any time. Please read the requirements and follow instructions on how to submit an MI Removal Request form to Caliber. If you would like to see if you may qualify for cancellation online, please follow the steps below.

Steps to determine PMI removal eligibility:

1. Log in to your account.
2. Select Request to Delete PMI from the Make a Request menu.
3. Review the evaluation of eligibility.

If you have questions or would like to appeal your eligibility, please contact Caliber Home Loans at 1-800-401-6587 or send a written request to Caliber Home Loans Inc. PMI Department, P.O. Box 272556, Oklahoma City, OK 73137-2556. We will review your loan account to determine if you meet the requirements for mortgage insurance removal. Please allow 30 days for us to complete our review.

The Homeowners Protection Act of 1998 requires Caliber Home Loans to send customers with PMI an annual written statement informing you of your right to cancel or terminate PMI.

Your FHA MIP payments are included in your monthly loan payment.

UFMIP stands for Up-Front Mortgage Insurance Premium. This must be paid when your loan closes, although it can be added to your loan amount.

Our ability to cancel your MIP depends on several factors, including when it was originated, the amount of your down payment, your loan term, and your loan’s current loan-to-value (LTV) ratio. In addition to the information stated below, there are more requirements that are needed for MIP termination.

If your loan was originated between January 1, 2001 – June 2, 2013 and

• if your loan term is greater than 15 years, then your monthly insurance payments will be cancelled when the LTV reaches 78%. This is calculated based on the original value of your FHA home loan and only if you have paid the annual MIP amounts for at least 5 years, or;
• if your loan term is 15 years or less, then your monthly insurance payments will be cancelled when the LTV reaches 78%. This is also calculated based on the original value of your FHA home loan.

If your loan was originated on or after June 3, 2013 and

• if your loan term is greater than 15 years and if your original down-payment was less than 10%, then MIP will be required for the life of the loan, or;
• if your loan term is greater than 15 years and if your original down-payment was more than 10%, then MIP will be cancelled after 11 years, or;
• if your loan term is 15 years or less and your original down-payment was less than 10%, then MIP will be required for the life of the loan, or;
• if your loan term is 15 years or less and your original down-payment was more than 10%, then MIP will be cancelled after 11 years.

Homeowners associations (HOAs) are organizations which deal with the upkeep of common areas and establish standards of acceptable behavior for the building or community. For example, HOAs may issue guidelines for lawn and garden upkeep, visitors, and pets.

Opting out is not an option. All homeowners must pay HOA dues and follow its guidelines and rules. If you’re considering purchasing a property with an HOA, it’s always a good idea to talk to other property owners if possible, so you’ll know if you’ll be comfortable living within its HOA.

Your HOA payments are not part of your escrow account. If you’re having difficulties and would like a one-time disbursement for the delinquent HOA payments, send the delinquency letter with an explanation of your financial difficulties to:

HOA.Statements@caliberhomeloans.com

You may also mail these to:

A mortgage recast is a feature where the remaining payments are recalculated based on a new amortization schedule. During a mortgage recasting, an individual pays a large sum (over $5,000) toward their principal, and their mortgage is then recalculated based on the new balance.

The following loan products are not eligiblefor a recast:

• Federal Housing Administration (FHA) Loans
• Veterans Affairs (VA) Loans
• Government National Mortgage Association (GNMA) Loans
• Bond Loans
• Jumbo Loans
• Caliber Portfolio Loans originated on or before 7/24/18

• The loan must be paid current.
• The recast process cannot commence within 60 days from the date the loan closes.
• The recast process can only be performed once in a 12 month period.*
• A principal reduction payment of $5,000 or more is required.
• The recast process must be requested within 60 days of the principal reduction payment.
• The first monthly payment following the principal reduction payment must be made at the regularly scheduled amount; thereafter, the reduced principal and interest payment amount will be due.
• A form or application is not required to begin the recast process; however, the signed recast agreement must be received prior to executing the recast.
• A program processing fee must be paid in the amount of $250, where applicable**.

* Caliber Portfolio loans originated after 7/24/18 are limited to one recast during the life of the loan.

** A recast fee is not applicable in all states.

1. Login and select the One Time Payment menu option to, make a principal only payment in the amount of $5000 or greater. If your loan is eligible for a recast, you will be prompted to submit a recast request OR Contact Caliber Customer Service to request the mortgage recast.
2. Remit the next monthly payment at the regularly scheduled amount.
   • Within five (5) business days of the monthly payment posting, Caliber will generate the agreement reflecting the new principal and interest payment. This agreement will be submitted to you for required signatures via email or regular mail.
3. Return signed agreement to Caliber. The signed agreement must be returned via regular mail before the due date on the agreement.
4. The recast fee must be paid prior to the execution of the recast.
5. Once both the signed agreement and recast fee received, the new principal and interest payment will be finalized. A billing statement with the new payment and a copy of the agreement will be mailed to you for your records.

1. Online @myaccount.caliberhomeloans.com

2. By Bank Wire

   **Please reference your name and loan number on the wire instructions.**

   Company name: Caliber Home Loans, Inc. Bank Name: Bank of America Bank Address: 2000 Clayton Rd., Concord, CA 94520 Account Number: 1291063793 ABA Routing Number: 026009593

3. By Check

   Payment mailing address:Caliber Home Loans, Inc.Attn: RecastP.O. Box 272556Oklahoma City, OK 73137-2556
   Overnight payment mailing address:Caliber Home Loans, Inc.Attn: Recast – Cash Operations13801 Wireless WayOklahoma City, OK 73134
4. By Phone @ 1-800-401-6587

A successor in interest is someone who acquires an ownership interest in a property secured by a mortgage loan by transfer upon the death of a relative, as a result of a divorce or legal separation, through certain trusts, between spouses, from a parent to a child, or when a borrower who is a joint tenant or tenant by the entirety dies.

Confirmed Successors in Interest are entitled to the same protections and notifications as the original borrower, under Real Estate Settlement Procedures Act, Regulation X and Truth in Lending Act Regulation Z. These regulations can be found at ConsumerFinance.gov.

A successor in interest is defined by the Consumer Financial Protection Bureau (CFPB) as a person to whom an ownership interest in a property secured by a mortgage loan has been transferred. As a Successor, you may be entitled to certain rights and protections pursuant to the Real Estate Settlement Procedures Act, Regulation X and Truth in Lending Regulation Z, also known as “Mortgage Servicing Rule 2016” as issued by the Consumer Financial Protection Bureau.

These types of transfers are:

1. a transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety;
2. a transfer to a relative resulting from the death of a borrower;
3. a transfer where the spouse or children of the borrower become an owner of the property;
4. a transfer resulting from a decree of a dissolution of marriage, legal separation agreement, or from an incidental property settlement agreement, by which the spouse of the borrower becomes an owner of the property; or
5. a transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property.

• Login and select Successor in Interest Request from the Make a Request menu. You can upload required document in PDF format.
• Email us your request at calibermods@caliberhomeloans.com
• Call us at 800-401-6587, Monday - Friday, 8:00AM to 7PM CST
• By Mail: Caliber Home Loans, Inc.Attn: Successor in InterestP.O. Box 24610Oklahoma City, OK 73124
  Note: Documents submitted must have visible and legible legal markings. These include: court stamps, court filing stamps, and notary seals.

Credit will not be impacted for the Successor in Interest unless they assume the loan.

• Death Certificate
• Divorce Decree
• Decree of Legal Separation
• Deed titled to you and the borrower as joint tenants with a right of survivorship
• Deed transferring the real property to you
• Transfer-on-death deed (beneficiary deed)
• Deed titled to you and the borrower as community property
• Spousal agreement to non-probate transfer of community property at death
• Court order, decree, or other document executed or certified by a court
• Recorded and certified copy of an affidavit transferring real property of small value
• Copy of a will and some record that it was admitted to probate
• Affidavit proving that you are the borrower’s lawful heir under the laws of intestate succession
• Deed conveying the property to the Junior Lienholder
• Deed or other instrument that conveys the property into the trust
• Copy of Trust document with an Affidavit
• Certification of Trust
• Written acknowledgment potential SII will occupy the property
• Proof of occupancy
• Your photo identification
• Evidence that you are a relative of the borrower
• Evidence that the Borrower is your Parent or Spouse

Please note that required documents may differ based on the state of the property, the transfer type or your specific situation.

Once a Successor request is received, an acknowledgement letter will be sent to the mailing address acquired from the potential Successor. The letter will include the list of documents required to be confirmed on the account. Notice: You can submit the required documentation, which will be used to prove your ownership interest in the property, one of several ways. Please see below.

1. Login and select Successor in Interest Request from the Make a Request menu. Follow the prompts and upload your required documents.Please include all pertinent contact information with your request so Caliber can reach out to you regarding any questions that may occur. Additionally, please ensure any documents you attach for submission are in either PDF or Word format. These documents will be forwarded to the appropriate department for review.
   Note: Any documents submitted must have visible and legible legal markings. These include, but are not limited to, court stamps, court filing stamps, and notary seals.
2. Via email to calibermods@caliberhomeloans.com
3. Via Mail:
   Caliber Home Loans, Inc.Attn: Successor in InterestP.O. Box 24610Oklahoma City, OK 73124
4. Via Fax to 405-608-2011.

If the submitted documents are confirmed, the Successor will be added to the loan as a confirmed Successor in Interest and notified as such. This will not, however, impact credit reporting for that individual, unless they wish to assume the loan.

Confirmed Successors in Interest are entitled to the same protections and notifications as the original borrower, under Real Estate Settlement Procedures Act, Regulation X and Truth in Lending Act Regulation Z. These regulations can be found at ConsumerFinance.gov.

We understand that you may be concerned about the impact of a late payment. Because the information we report to the major credit bureaus is required to be complete and accurate we are unable to make goodwill or courtesy adjustments.

A payment can be reported as 30 days past due if it is not received within the calendar month in which the payment is due. Although February only has 28 days, or 29 days in a leap year, if you do not pay February within the month, you can still be reported as 30 days past due.

Always be careful when making mortgage payments as the end of the month nears, especially on weekends. Be sure to allow time for your payment to post.

To get your free credit report or for more information, go to annualcreditreport.com. You are entitled to a free credit report every 12 months from each of the three major credit reporting agencies (Equifax, Experian, and TransUnion)

You may dispute information that Caliber furnished by submitting a dispute directly to Caliber by one of the following:

• Call us: 800-401-6587
• Mail to: Caliber Home Loans, IncP.O. Box 270415Oklahoma City, OK 73137
• Fax us: 405-608-2003

A payment can be reported as past due if it’s received 30 or more days after your due date, even if you’re paying off your mortgage. It’s a good idea to make your payment as usual and we’ll send you a refund check if you overpay.

Your closing date may not be the day we receive your payoff. It may take additional time for your closing or title agent to send us your payoff funds.

The good through date on your payoff quote is the expiration date on the amount indicated to completely pay off your loan. It doesn't provide an extended grace period to make your normal payment.

The 1098 statement details all interest, taxes, and insurance paid on a mortgage for a given year. Caliber is required to send the customer this statement by January 31 of each year.

The IRS only requires the social security number of the primary borrower on the 1098. Please note that we are unable to change the social security number on 1098 statements.

Your 1098 may show that no taxes were disbursed for one of the following reasons:

• The taxes were paid at closing.
• The taxes were not paid from the escrow account in the year the 1098 is reporting on.
• The loan was paid off before the taxes were due.

A 1099-INT is an income form that provides interest earned on funds held in an escrow account.

State law requires Caliber to pay you interest for funds being held for escrow, loss draft, renovation or 203K purposes. Because these funds are taxable interest paid to you by Caliber, we are required to report that information to the IRS.

A 1099-C is an income form that reports when the full or partial amount of the debt is cancelled.

Caliber is required to disclose to the IRS if/when we cancelled in full or a partial amount of the debt. This could have been due to one of the following:

• Short Sale
• Deed in Lieu
• REO liquidation
• Third party sale
• Loan Modification

Selling mortgages is a very common practice and allows for more cash in the marketplace, so that Caliber can make loans to more homebuyers.

You will need to refinance your mortgage. To speak to a loan officer about your refinance options, please call 855-808-2124 or visit caliberhomeloans.com/refinancing

An inspection is necessary to ensure the property is still occupied when the loan is delinquent. The mortgage deed included in your closing package outlines the preservation of the property and responsibility for the associated costs.

We value you as a customer and make it a top priority to ensure your visit to our site is secure and helpful. For more information about what we do to safeguard your personal information, as well as tips on avoiding online scammers, please visit our Security page.

Servicemembers on “active duty” or “active service,” or a spouse or dependent of such a servicemember may be entitled to certain legal protections and debt relief pursuant to the Servicemembers Civil Relief Act.

• • Regular members of the U.S. Armed Forces (Army, Navy, Air Force Marine Corps and Coast Guard).
• • Reserve and National Guard personnel who have been activated and are on Federal active duty or who have received orders to report on a future date.
• • National Guard personnel under a call or order to active duty for more than 30 consecutive days under section 502(f) of title 32, United States Code, for purposes of responding to a national emergency declared by the President and supported by Federal funds.
• • Active servicemembers of the commissioned corps of the Public Health Service and the National Oceanic and Atmospheric Administration.
• • Certain United States citizens serving with the armed forces of a nation with which the United States is allied in the prosecution of a war or military action.

• • The SCRA states that a debt incurred by a servicemember, or servicemember and spouse jointly, prior to entering military service shall not bear interest at a rate above 6 % during the period of military service and one year thereafter, in the case of an obligation or liability consisting of a mortgage, trust deed, or other security in the nature of a mortgage, or during the period of military service in the case of any other obligation or liability.
• • The SCRA states that in a legal action to enforce a debt against real estate that is filed during or within one year after the servicemember’s military service, a court may stop the proceedings for a period of time or adjust the debt. In addition, the sale, foreclosure, or seizure of real estate shall not be valid if it occurs during or within one year after the servicemember’s military service unless the creditor has obtained a valid court order approving the sale, foreclosure, or seizure of the real estate.
• • The SCRA contains many other protections besides those applicable to home loans.

To request relief under the SCRA, a servicemember or spouse must provide us a written request with a copy of the servicemember’s military orders by one of the following:

• Login and submit a SCRA Protection Request from the Make a Request menu option.
• Mail to: Caliber Home LoansAttn: Special Loans Dept.13801 Wireless WayOklahoma City, OK 73134
• E-Mail us: Special.Loans@caliberhomeloans.com

There is no requirement under the SCRA, however, for a servicemember to provide a written notice or a copy of a servicemember’s military orders to Caliber in connection with a foreclosure or other debt enforcement action against real estate. Although there is no requirement for servicemembers to alert Caliber of their military status in these situations, it still is a good idea for the servicemember to do so.

• Servicemembers and dependents with questions about the SCRA should contact their unit’s Judge Advocate, or their installation’s Legal Assistance Officer. A military legal assistance office locator for all branches of the Armed Forces is available at https://legalassistance.law.af.mil/
• “Military OneSource” is the U. S. Department of Defense’s information resource. If you are listed as entitled to legal protections under the SCRA (see above), please go to https://www.militaryonesource.mil/legal or call 1-800-342-9647 to find out more information. Dialing instructions for areas outside the United States are provided on the website.

If you have any concerns regarding the servicing of your loan, you can send us a Notice of Error, Credit Dispute, Request for Information or Qualified Written Request. You must use this address to assert an error or request information or dispute credit reporting. Please include your specific concern or question and account number.