This complaint and warning is for everyone looking at home loans.

Please heed this warning and steer clear of Caliber Home Loans AND Elva Bower at ERA in Colorado Springs.

These people have absolutely no business or clue of how to serve the customer with integrity and the knowledge required for real estate and lending.

The incident I wish to inform you of will be summarized of course, however be aware that this forum of complaint will not cease.

This is my 6th home purchase and I have family and friends in Real Estate, escrow and lending. 

The home we located with Elva at ERA was in the Briargate subdivision of Colorado Springs. Our prequal was completed by Paul Abair at Caliber Home Loans in Colorado Springs. Being recommended by Elva early on, we were led to believe Paul could be a safe extension to proceed with our home purchase. 

Offer was submitted with hesitation as we began to see signs of the lack of knowledge from Elva Bower for this process. She had to make 2 calls to a colleague for questions. Offer finally submitted after 3 attempts. 

First f2f meeting with Paul for lending paperwork one week later. Credit scores, w2's, etc. Two meetings later, Paul still did not know everything we needed to proceed. My suggestions and knowledge were not taken seriously as to what would be needed to continue. He was completely dumbfounded when my knowledge was shown to be correct. Excuses followed daily from Paul. 

Emails and faxes continued up to RIGHT OF REFUSAL. However many times I explained incomes to Paul, he was ignorant to the clear facts of not including my mother-in-law to continue. His lack of communication for 10 days prior to ROR, was stressful enough. HERE IS WHERE THIS GETS TROUBLESOME. 

I received a call from Paul 12 hours after our ROR DEADLINE HAD PASSED. He tried to explain that the underwriter had not heard back from us and refused to qualify us unless my mother-in-law was able to be on the paper with us. Paul also explained that he did not call me the day before due to underwriters and himself wanting to go home. Income levels were met from the beginning and no mention or requirements were drawn to conclude that she would need to be included until after this deadline. 

Long story short: Since the phone call was made 12 hours past the ROR DEADLINE, we were not eligible to receive our earnest money of $2,000.00.

Paul was very lacking of keeping his client informed of the process.

Elva was completely ignorant of the requirements needed in offers, inspections, counter-offers.

MY WARNING FOR EVERYONE - STAY CLEAR OF ERA AND CALIBER HOME LOANS.