Business Details
11 Years
experience
Your Trusted Mortgage Broker for Customized Loan Solutions
Founded in 2015, Caliver Beach operates with a client-centric approach rooted in three pillars: Experience, Integrity, and Guidance. Our team of seasoned professionals, including loan officers and processors, leverages decades of combined industry expertise to tailor mortgage solutions aligned with each client's unique financial situation and long-term goals. We prioritize transparency, providing clear and accurate information about loan terms, fees, and risks while adhering to strict ethical standards that prohibit predatory lending or discriminatory practices.Our educational approach ensures clients understand mortgage intricacies, empowering informed decisions that integrate seamlessly into their broader financial planning. By combining market knowledge with personalized service, we aim to build lasting trust and support clients through every stage of the mortgage process.
Services
Mortgage Brokerage
Loan Programs
Refinancing
Conventional Mortgages
FHA Loans
VA Loans
Cash-Out Refinance
Home Equity Lines
Jumbo Loans
Down Payment Assistance
Details
- Year established: 2015
Highlights and features
- We offer 50+ years of combined mortgage industry experience.
- Our team provides personalized guidance tailored to individual financial goals.
- We operate with full transparency and no hidden fees.
- Our loan analysts stay updated on the latest market trends and products.
- We prioritize ethical practices and compliance with all regulatory standards.
Services
Mortgage Brokerage
Caliver Beach provides comprehensive mortgage brokerage services, connecting clients with tailored loan products from multiple lenders. Our team analyzes your financial profile to identify optimal mortgage solutions, whether for home purchases or refinancing. We streamline the application process while ensuring transparency about terms, fees, and long-term implications.
Refinancing Options
We offer refinancing solutions to help homeowners secure lower interest rates, reduce monthly payments, or access equity through cash-out refinances. Our advisors evaluate your current mortgage terms and financial goals to determine if refinancing aligns with your long-term strategy while explaining potential cost savings and break-even points.
Conventional Mortgages
Our conventional mortgage services cater to borrowers seeking flexible loan terms without government-backed insurance. We provide competitive rates, private mortgage insurance options, and refinancing flexibility while helping clients understand eligibility requirements for credit scores, down payments, and debt-to-income ratios.
FHA Loans
We specialize in FHA mortgage programs designed for first-time homebuyers with lower credit scores or limited down payment funds. Our experts guide clients through the 3.5% down payment requirement, mortgage insurance premiums, and property eligibility criteria while ensuring compliance with HUD regulations.
VA Loans
Caliver Beach offers VA mortgage solutions for eligible veterans and service members, including zero-down payment options and competitive rates. We navigate the VA funding fee structure, appraisal requirements, and service-specific eligibility criteria to help military families achieve homeownership with minimal financial barriers.
People
Sean Bailey
Loan Officer
With NMLS ID 2128276, Sean Bailey specializes in personalized mortgage solutions, leveraging industry expertise to guide clients through the loan process with transparency and professionalism.
Asia Braddy
Loan Officer
Asia Braddy (NMLS ID 2222481) provides tailored mortgage advice, focusing on client education and long-term financial planning while maintaining strict ethical standards.
David J. Cohen
Commercial Loan Officer
David J. Cohen (NMLS ID 182607) brings extensive commercial lending experience, offering strategic mortgage solutions for business-related real estate transactions with personalized service.
Mathew Herman
Commercial Loan Officer
Mathew Herman (NMLS ID 178146) specializes in commercial mortgage products, combining market knowledge with client-focused service to address complex financing needs for business properties.
Scott Marsh
Loan Officer
Scott Marsh (NMLS ID 182477) delivers customized mortgage solutions, emphasizing clear communication and thorough guidance throughout the loan approval and closing process.
Questions
What documents are required to apply for a mortgage?
You'll need legal identification, employment history, recent paystubs, bank statements, tax returns, and additional documents based on your loan type and lender requirements.
How do I determine the best mortgage for my needs?
A mortgage professional will assess your financial situation, credit score, and long-term goals to recommend the most suitable mortgage product for your circumstances.
What are the benefits of buying a home versus renting?
Homeownership offers stability, equity building, tax deductions for mortgage interest and property taxes, and potential long-term appreciation of property value.
How much money do I need to buy a home?
You'll need funds for an earnest money deposit, down payment (as low as 3%), and closing costs averaging 3-4% of the home's purchase price.
What is included in a monthly mortgage payment?
Monthly payments typically include principal, interest, homeowners insurance, property taxes, and mortgage insurance if applicable.
Can I refinance my existing mortgage?
Yes, refinancing can lower your interest rate, reduce monthly payments, shorten your loan term, or provide cash-out options for home improvements or debt consolidation.
