Cody Touchette

We had such a great experience working with Caliber Home Loans when purchasing our first home that we chose to work with them again for our second! Cody and his team are friendly, professional and prompt with responses. He took the time to outline multiple home loan options and scenarios to ensure we found one that fit our needs best. All the documentation and forms associated with purchasing a home can be overwhelming but his team made the process so efficient and streamlined - we even closed early. I would highly recommend their services!

Caliber Home Loans and the The Touchette Team were fantastic. They stood by us for over a year as we struggled to get an offer accepted in a very competitive market. They called us weekly to check up on us and were always quick to get us updated loan scenarios for different houses. When it came time to get our loan approved everything went great.

Cody and his team were extremely helpful during our home buying experience. Always available, patient with our 1-million questions, and clearly has a cohesive team!

Cody and his team make things possible! Cody is patient, thorough, kind, charismatic, and open. For a foreigner - like myself - several steps in taking a mortgage in USA were not particularly clear, and Cody made sure I understand the reason behind all of them. I got a good sense of progress and security throughout the process and knew I can reach out to them at any time if I needed anything. Would without hesitation recommend them to my close friends and family. Pleasure doing business with you!

Working with Caliber Home Loans was nearly the worst experience we could imagine. As first time home buyers, we accepted the recommendation of a relative who is a realtor. We were sorely mistaken to accept this recommendation. We nearly lost the home that our offer was accepted on because Caliber did not listen to our repeated conversations about where we currently work and live (we were buying a home in another city). Luckily, we were able to overcome this issue by speaking with outside counsel. Caliber was not helpful at all and we would've lost our home in addition to $5,000 earnest money and nearly $1500 already spent on inspection and appraisal. There were two other large mistakes that were not nearly as smooth. The first was breaching of my social security number which will now leave me vulnerable to identity theft. It then took me 2 weeks of calling escalation before I received a return phone call detailing what Caliber would be doing to fix the mistake. Finally, as their last mistake before we closed on our home, Caliber provided us with incorrect wiring instructions. We sent $90,000 to a random account. Luckily, the money was rejected. Regardless, this was an unforgivable mistake for a company who is supposed to be in the loan service industry professionally. We will never recommend Caliber Home Loans to any friends or family.

The entire Touchette team was wonderful. They patiently explained every step of the process, were friendly, and promptly answered and returned calls. I would definitely recommend their services.

I would highly recommend Cody and Josh (Caliber Home Loans)! Cody and his team was really great to work with, outstanding customer service. Very professional and engaged in each step of the process. Josh Pryor was absolutely awesome in keeping us informed and being available to answer questions. We had applied for a VA loan and worked with a "Big Bank" prior to applying and working with Caliber, and the level of service and knowledge that Cody and Josh provides is hands down 100 times better, made the "Big Bank’s" loan personnel look like rookies. Professionalism, communication, and customer service, A++!

This one was tricky. We began working with Caliber (then Cobalt) while with a non-Redfin agent. Perhaps due to that, our initial experience with Caliber seemed promising. They had all our information, we had a pre-approval letter from them, Cody was quick to answer all of my questions (and being a first-time home buyer, I had many). He'd go through numbers with me until I could see where he got his figures. Then we switched agents. Our Redfin agent had worked with this lender before and had not had good experiences; he provided names of other lenders. We unfortunately did not follow up with these recommendations (I really wish we had). Our loan progressed and things started going south. We started working with a person named Myrna. She insisted we needed to take the WSHFC home buyer's course online, which costs money ($50 per person, to be exact), even though we had already taken the in-person class (which is free). The WSHFC only has one class. I tried to communicate this to her and the team several times; it was like nobody actually read my emails. (Okay, so they were lengthy, like this review.) At one point, she copied and pasted something into an email to me that made it sound like we were suddenly in a different loan program, and I wrote the magic words, "I don't want any more surprises." (I hadn't meant them to be magic words, I just really didn't want more surprises.) Well, that got everyone's attention. Cody emailed, saying he'd call in the morning. Another person from his team, Josh, called a few minutes later. I told him what I'd been trying to tell Myrna, and suddenly he realized I was correct. (Good thing I knew I was. Even though this was our first time buying a house, I had done a bit of research.) So, strike one. I can't recommend this lender to a friend because I'm afraid my friend won't know what they're doing and won't know when to put up a fight. And all the people on the loan team pushed really hard for us to just sign up and take this course when we didn't need to. It would have been money down the drain. Strike two was a series of miscommunications. Myrna would insist she had told me something. She hadn't. One time she insisted she had called me the day before, even though I told her she didn't. I feel Caliber could do with an outline of the basic steps in a loan, so we could have had an idea where our loan was. Then Myrna could reference it in those terms and everyone could be on the same page. I really feel like she used terms that weren't quite accurate; then she'd switch to proper terms, and I wouldn't know what she was talking about. At one point, we thought our loan was with Caliber underwriting, then I found out it was actually with the state. We never had any idea exactly what was happening, not even during the final week when we were supposed to close. (We actually closed two weeks late.) Cobalt apparently knew we wouldn't close on time, but they didn't bother to tell us. Then they were surprised we didn't know. Finally, there was an issue even after closing, which I wouldn't have thought possible. During the loan process, we gave Caliber permission to charge our credit card for the appraisal. (They do this in case you don't close on the house after it's appraised, because someone has to pay for it.) They told me they'd credit my card directly, outside of closing. A week after we close, I notice the card has not been credited and the charge has accumulated interest. I email them. They look into it. Then they get back to me saying that the credit is on my closing papers. They tell me a line number. Well, it's not there. Not on the papers we'd signed. So they send me a copy of what they have from escrow. I go through it line by line. On the papers we'd signed, they'd forgotten to charge us for the MCC we wanted, and to cover this, they applied our appraisal credit to our closing costs. This wouldn't have been a terrible thing, but no one bothered to tell me about it. No call to say, "Oh hey, we forgot this, but here's what we can do, are you okay with that?" Nothing. I don't know if someone hoped no one would notice or if someone just forgot to call, but these are the kinds of things I need to know. I'd worked out a budget, and paying for the appraisal hadn't been part of it. Now I have to come up with that money from somewhere else, a problem I wouldn't have had if I'd known about it before it had happened. I've been told our loan was a bit complicated. I believe it. My main problem with Caliber, with this particular team, was lack of communication. They were great in responding when I initiated a question, but they were terrible at keeping me informed. They were terrible at anticipating what I'd want to know (which was everything). And that, I think, is the real measure of service. Not, "Do you answer my questions when I ask them?" but rather, "Do you know what I'll want to ask even before I know how to ask it?" Do you warn me about things? Do you volunteer information because you know it's important that I know? Because there were many things I didn't know to ask until it was too late. Looking back, thinking about my many conversations with Myrna, I can tell there were flags, cues, that if I'd known (as in, if I were a lender myself), I could have said, "Hey, wait a minute. You just said this, but don't you mean that?" And I just don't think a buyer should have to have that level of knowledge. Be informed, yes. Do your research, sure. But still, find a lender who will communicate proactively.

Great service. Highly recommended. Working with Cody was a great experience. Most of the mortgage brokers try to find little things to apply mortgage that many times is more favorable for broker not for the buyer. When working with Cody I did not see any manipulation. He listen what mortgage we would like to obtain and what we are looking while getting a loan. His service was very straight without any manipulation to satisfy our needs. We would use his services in the future if buying another property in WA.

He was informative and worked well with me on the closing costs.

Cody was like working with a old buddy. He was always avalible for questions and up front with advice and real numbers. He made a complex purchase very simple.