Business Details
11 Years
experience
Your Trusted Mortgage Broker Since 2015
Founded in 2015, Caliver Beach operates on three core principles: Experience, Integrity, and Guidance. Our team of seasoned loan officers and processors leverages decades of combined industry expertise to deliver tailored mortgage solutions aligned with each client's unique financial goals. We prioritize transparency, providing clear loan terms, fees, and risks without hidden charges. Our ethical practices ensure compliance with all regulatory standards, avoiding predatory lending.We educate clients on mortgage intricacies and long-term financial planning, helping them understand how their mortgage choices impact overall financial well-being. This client-centric approach has built our reputation for trust and long-term success, ensuring clients feel confident in achieving their homeownership goals.
Services
Mortgage Brokerage
Loan Programs
Refinance Options
Conventional Mortgages
FHA Loans
VA Loans
Jumbo Loans
Cash-Out Refinance
PMI Removal
Down Payment Assistance
Details
- Year established: 2015
Highlights and features
- We offer over 50 years of combined mortgage experience.
- We provide transparent loan terms with no hidden charges.
- Our team includes certified loan officers and processors.
- We prioritize ethical practices and client education.
- We offer personalized guidance for long-term financial planning.
Services
Mortgage Brokerage
Caliver Beach provides comprehensive mortgage brokerage services, connecting clients with tailored loan options. Our team analyzes market trends and client financial profiles to recommend optimal solutions. We simplify the mortgage process with personalized guidance and transparent communication.
Refinance Options
We offer strategic refinancing solutions to lower interest rates, reduce payments, or access home equity. Our advisors evaluate client financial goals to determine the best refinancing approach. Services include cash-out refinance and PMI removal.
FHA Loans
Our FHA loan program assists first-time buyers with low down payments and flexible credit requirements. We guide clients through the application process and explain associated mortgage insurance premiums. This service makes homeownership accessible for diverse financial situations.
VA Loans
Caliver Beach specializes in VA loans for eligible military personnel, offering zero down payment options and competitive rates. We explain service requirements and funding fees while helping veterans navigate the unique benefits of this program.
Conventional Mortgages
We provide conventional mortgage solutions with flexible terms and down payment options. Our team explains PMI requirements and helps clients compare loan features. These non-government-backed loans suit borrowers seeking diverse financing options.
People
Sean Bailey
Loan Officer
Sean Bailey is a licensed loan officer with extensive experience in mortgage solutions. He specializes in helping clients navigate complex loan programs and achieve homeownership goals. Sean prioritizes clear communication and client education.
Asia Braddy
Loan Officer
Asia Braddy brings expertise in mortgage lending with a focus on personalized client service. She assists clients in understanding loan options and streamlining the application process. Asia emphasizes transparency and financial literacy.
Suki Brinton
Loan Officer
Suki Brinton offers tailored mortgage advice with over a decade of industry experience. She specializes in first-time homebuyer programs and down payment assistance. Suki ensures clients receive comprehensive guidance throughout the loan process.
Sean Calhoun
Loan Officer
Sean Calhoun provides expert mortgage consulting with a focus on refinancing and investment properties. He helps clients optimize their financial strategies through customized loan solutions. Sean emphasizes long-term client relationships.
Justin Carls
Loan Officer
Justin Carls specializes in jumbo loans and high-value property financing. He assists clients with complex financial profiles in securing competitive mortgage terms. Justin prioritizes ethical lending practices and client satisfaction.
Questions
What documents are required for a mortgage application?
You'll need legal ID, Social Security number, employment history, pay stubs, bank statements, and tax returns. Additional documents may be required based on loan type and lender requirements.
How do I determine the best mortgage for my situation?
Our loan officers assess your financial goals, credit profile, and long-term plans to recommend suitable mortgage products. We explain rate options, loan terms, and associated costs.
What are the benefits of mortgage refinancing?
Refinancing can lower interest rates, reduce monthly payments, access home equity, or remove PMI. We analyze your situation to determine if refinancing aligns with your financial objectives.
Why should I work with a mortgage broker?
Brokers offer access to multiple lenders, competitive rates, and personalized guidance. We simplify the loan process, negotiate terms, and provide expertise in various mortgage programs.
What costs are involved in buying a home?
Key costs include earnest money, down payment, and closing costs (typically 3-4% of the home price). We provide detailed estimates to help you budget effectively.
How do I start the mortgage pre-approval process?
Contact a loan officer to review your financial situation. Pre-approval involves submitting documentation to determine your borrowing capacity and strengthen your homebuying position.
