Mandi Stephens - NMLS # 666638

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The Stephens’ Story

As a married couple, we work together as a lending team. Mandi has been in the lending industry 14+ years, while Jeremy has specialized in marketing and SEO. Our strengths complement each other, and working together allows us to be readily available to provide our lending families with personal guidance throughout the home buying process.

We are committed to investing locally, care about the communities in which we serve, and are a team focused entirely on executing, & delivering the experience you deserve. We're always here to answer any mortgage financing questions you have so contact us and discover your financing options. Loan Products: **Conventional** Conventional loans are not insured by the FHA or VA. Generally, these are a good option for homebuyers with higher credit scores and stable employment histories. ~Relief Refinance A Relief Refinance is designed to help you make your existing mortgage more affordable. ~HomeStyle® Renovation A HomeStyle Renovation Mortgage allows renovation funding equal or up to 50% of your property's post-renovation value and is available for new and existing homes – even new construction! ~Home Possible® Home Possible® is a Freddie Mac loan program designed to bring home ownership within reach to more borrowers. ~HomeReady™ HomeReady™ is a Fannie Mae loan program that is designed to extend the privileges of home ownership to buyers with limited household incomes. ~DU Refi Plus DU Refi Plus is a Fannie Mae refinancing program that enables buyers to take advantage of lower interest rates while choosing a custom loan term. ~Jumbo Loans Jumbo loans are just that –larger amounts of funds for luxury properties and homes in high-cost areas. ~Jumbo Interest-Only ARM Our Jumbo Interest-Only ARM is ideal for homebuyers who prefer a lower monthly payment during their first years of their loan. **Government** ~FHA Loans – Fixed-rate and ARMs, high-balance An FHA loan is partially insured by the Federal Housing Administration (FHA), an agency created in 1934 to help borrowers and businesses recover from the Great Depression. ~FHA 203(k) Fixed Rate Rehab An FHA 203(k) Rehab loan enables you to buy a home that’s in need of repairs or renovations by providing additional funding before move-in. ~FHA Streamline Refinance If you currently have an FHA mortgage, an FHA Streamline Refinance offers several options. ~USDA Loans Designed for homebuyers in rural locations who do not qualify for a conventional loan. They feature low down payments and relaxed qualifying guidelines. Properties must be in a rural area designated by the US Department of Agriculture. ~VA Streamline Refinance (IRRRL) A VA Streamline Refinance, or IRRRL, provides you with a faster way to lower or lock in your interest rate with limited costs. ~VA Loans – Fixed-rate and ARMs, high-balance VA loans are partially insured by the U.S. Department of Veterans Affairs (VA) and are a valuable benefit for military veterans and active servicemen and women. **Caliber Portfolio Lending Program** ~Elite Access Offering jumbo loan amounts up to $3 million, borrowers may qualify with a 90 to 95% Loan to Value (LTV) ratio without Mortgage Insurance (MI). In addition to fixed- and adjustable-rate loans, interest-only ARMs are also available. ~Premier Access For borrowers looking for loan amounts from $100,000 to $3 million with higher ratios. You may qualify with a 50% Debt to Income (DTI) ratio. Your savings can help you qualify with our asset-based income option. Self-employed borrowers may also qualify. ~Homeowner’s Access If you’ve had past difficulties keeping up with mortgage payments and don’t qualify for traditional financing, this loan can help you get back into a home of your own. It allows you to have several 30- to 60-day late payments within the last year. ~Fresh Start Program This loan is tailored for people who are working to rebuild their credit after a recent bankruptcy, foreclosure, deed in lieu of foreclosure or short sale. Fresh Start fixed- or adjustable-rate funding may be available as soon as 1 day after a short sale, bankruptcy, or foreclosure. ~Investment With maximum loan amounts up to $2 million and both fixed- and adjustable-rate options, our Investment Program can finance up to 10 investment properties. ~ Professional Elite Self-employed? No W-2’s? This is the program for you! With Professional Elite, Caliber can verify your income using personal or business earning statements.