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Recover quickly from a bankruptcy, foreclosure or major credit event



Fresh Start is one of our Portfolio Lending Suite of home financing solutions. These loans are designed to assist borrowers who can prove their ability to repay a mortgage, but may not qualify for traditional mortgage financing.



If you’ve lost a previous home to foreclosure, short sale, or deed-in-lieu

If you’ve recently had to declare bankruptcy

If you don’t have a traditional credit score

If you have a 580 minimum credit score

You may qualify for Fresh Start!


No waiting period, or “seasoning” is required after a bankruptcy, foreclosure, deed-in-lieu of foreclosure or short sale

Low minimum credit scores accepted

You may finance a single family residence, condominium, co-op, a 2-4 unit property or a home in a Planned Unit Development (PUD).

Loan amounts from $100,000 to $1 million

Fixed- and adjustable-rate mortgages (ARMs) are available

Low down payment option



Caliber is committed to assisting more borrowers with achieving their dreams of home ownership by providing affordable, personalized lending solutions. Your local Caliber Loan Consultant can help you apply for financing and answer all of your questions.

How much can I borrow?

The loan process many times boils down to what you can afford. A good way to check your potential finances is to utilize a monthly payment calculator such as the one found here with Caliber.

Go to Calculator

Fresh Start

Designed to elevate your opportunities in the housing market and get you back on your feet, the Fresh Start program boasts features such as low down payments and favorable credit score requirements. Is Fresh Start for you?

More About Fresh Start

Team Awesome Sauce and Good Gravy
Loan Consultant
29012 Mallard St. Dallas, TX 75093
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