Shirley Clough, Loan Consultant, NMLS ID 175716

5.0 star review received on Experience.com for Shirley Clough by Jana H - Shirley was extremely responsive and consultative to our questions. Everything on our transaction went smooth. We look forward to working with Shirley again when the rates go down.

New ★★★★★ 5 Star Experience.com Review by Jana H Click to see all 136 reviews of Shirley Clough,
Loan Consultant | NMLS # 175716

5.0 star review received on Experience.com for Shirley Clough by Tobias H - Shirley was kind, helpful, and extremely knowledgeable. She helped through our entire process.

New ★★★★★ 5 Star Experience.com Review by Tobias H Click to see all 135 reviews of Shirley Clough,
Loan Consultant | NMLS # 175716

5.0 star review received on Experience.com for Shirley Clough by Amanda K - Shirley made it great! It’s so nice to have a mortgage broker who has our backs, who explains everything (sometimes more than once!) and makes the home buying (and selling) process so easy!

New ★★★★★ 5 Star Experience.com Review by Amanda K Click to see all 134 reviews of Shirley Clough,
Loan Consultant | NMLS # 175716

5.0 star review received on Experience.com for Shirley Clough by Joel L - Shirley was extremely professional, timely and helpful throughout the process.

New ★★★★★ 5 Star Experience.com Review by Joel L Click to see all 133 reviews of Shirley Clough,
Loan Consultant | NMLS # 175716

5.0 star review received on Experience.com for Shirley Clough by Ricky R - Shirley and her crew are the best! Great communication and everything always goes so smoothly. Another great job!

New ★★★★★ 5 Star Experience.com Review by Ricky R Click to see all 132 reviews of Shirley Clough,
Loan Consultant | NMLS # 175716

5.0 star review received on Experience.com for Shirley Clough by Kendra H - Shirley makes the whole process seamless. She thoroughly explains each step and takes the extra time if there are questions. This is our second mortgage through Shirley and Caliber and we would highly recommend them.

New ★★★★★ 5 Star Experience.com Review by Kendra H Click to see all 131 reviews of Shirley Clough,
Loan Consultant | NMLS # 175716

5.0 star review received on Experience.com for Shirley Clough by Parrish H - Everything was on point and relatively seamless. Shirley and her team communicated well and was always a step ahead. This is the second time we have used Shirley and we are very happy with the process.

New ★★★★★ 5 Star Experience.com Review by Parrish H Click to see all 130 reviews of Shirley Clough,
Loan Consultant | NMLS # 175716

5.0 star review received on Experience.com for Shirley Clough by Shannon H - Shirley walked us through every step of the process, explaining every option to us that was available, sometimes more than once! She took our unique situation, which was difficult, and made it such a pleasant experience. I will forever be grateful for her patience, understanding and professionalism. We will definitely use her again

New ★★★★★ 5 Star Experience.com Review by Shannon H Click to see all 129 reviews of Shirley Clough,
Loan Consultant | NMLS # 175716

Annual percentage rate (APR): The relationship between a loan's total finance charge and the total amount financed, expressed as an annual percentage. This total yearly cost includes interest, any discount points paid by the borrower, the loan origination fee, and mortgage insurance costs.

Amortization describes the shrinking of your mortgage as you pay it off. With each mortgage payment you make, part of the repayment is applied towards reducing the principal, while a separate portion of it is applied to the interest. For most loans, you pay more toward interest in the earlier payments. As your loan ages, an increasingly larger portion of the payment gets applied directly to your principal balance.

Mortgage: A legal document that pledges a property to the lender as security for payment of a debt.

5.0 star review received on Experience.com for Shirley Clough by Amy C - Shirley is fantastic! Highly recommend! She is always willing to answer any questions I have and I really appreciate all of the updates that are communicated along the way. Smooth sailing!

New ★★★★★ 5 Star Experience.com Review by Amy C Click to see all 128 reviews of Shirley Clough,
Loan Consultant | NMLS # 175716

Lock-in: Also referred to as a "rate lock," an agreement where a lender guarantees a loan applicant a particular interest rate if the transaction closes within a specified period.

Lien: A claim upon a piece of property for the payment or satisfaction of a debt or obligation.

5.0 star review received on Experience.com for Shirley Clough by Iva M - Shirley was a pleasure to work with, she explained everything, was responsive, professional and friendly. We would work with Shirley again!

New ★★★★★ 5 Star Experience.com Review by Iva M Click to see all 127 reviews of Shirley Clough,
Loan Consultant | NMLS # 175716

5.0 star review received on Experience.com for Shirley Clough by ULLIYA Q - Shirley made the process simple and answered all our question. While providing us with excellent advise. It was wonderful.

New ★★★★★ 5 Star Experience.com Review by ULLIYA Q Click to see all 126 reviews of Shirley Clough,
Loan Consultant | NMLS # 175716

4.62 star review received on Experience.com for Shirley Clough by UMER S - Shirley is a very professional and h

New ★★★★★ 4.62 Star Experience.com Review by UMER S Click to see all 125 reviews of Shirley Clough,
Loan Consultant | NMLS # 175716

5.0 star review received on Experience.com for Shirley Clough by Kelli V - Shirley and her assistant was amazing . They make the transition process very smooth and fast . Great communication all the way through on the loan process. I have used her many of times .

New ★★★★★ 5 Star Experience.com Review by Kelli V Click to see all 124 reviews of Shirley Clough,
Loan Consultant | NMLS # 175716

Interest: A fee charged by a lender for borrowing money.

5.0 star review received on Experience.com for Shirley Clough by Jayson E - Thanks for helping me but my first home and making this journey as smooth and easy as possible

New ★★★★★ 5 Star Experience.com Review by Jayson E Click to see all 123 reviews of Shirley Clough,
Loan Consultant | NMLS # 175716

Escrow: When money or documents are held by a disinterested third party (the escrow agent) on behalf of the parties to a transaction until specified conditions have been fulfilled. Fixed-rate mortgage: A home loan with an interest rate that remains the same for the life of the loan.

5.0 star review received on Experience.com for Shirley Clough by Nai C - Shirley and Sarah are awesome.

New ★★★★★ 5 Star Experience.com Review by Nai C Click to see all 122 reviews of Shirley Clough,
Loan Consultant | NMLS # 175716

When you need answers about home financing, chances are it won't be during office hours. Choose a Loan Consultant who is ready when you are. Choose Caliber.

Fixed-rate mortgage: A home loan with an interest rate that remains the same for the life of the loan.

Down payment: Money paid at the onset of a purchase to make up the difference between the purchase price and the amount financed in the mortgage.

Is 2022 a good year to remodel?
Spending for home remodeling projects is expected to rise into 2022. A new Harvard University study predicts that spending on home remodeling and maintenance will increase by 8.6% through the middle of 2022. Integrators are seeing an increase in opportunities from projects coming from homes that already exist.

If you want to upgrade your current residence, Caliber Home Loans, Inc. ("Caliber") offers a wide array of financing options specifically designed for improving your home.

When you are ready...
☎️ Call our office at 206.293.2773

A good investment
A home renovation not only improves the functionality, comfort and beauty of your family’s home, but most updates will also increase the value of your home and the return on your investment once you decide to sell.

Which home improvement project appeals to you?

Appraisal: A trained professional's estimate of the value of a piece of real estate as of a particular date, based on a documented analysis of the property's features and local market sales.

Buying a home can be confusing, especially since it’s not something most of us do very often. Even if you have gone through this in recent years, it can be hard to remember everything that you had to do, not to mention – things change. It’s helpful to know what to expect before you begin the process so that you can be prepared. Not only will this make you feel better, but it will also make everything go smoother and quicker.

Here are a few steps that will help you get started.

[Disclaimer: *Caliber is not a credit counseling agency, a credit repair organization, or a similar service. We do not assist or advise consumers on how to improve their credit scores.]