superior software ltd ( also known as superior interactive ) is a video game publisher .

it was one of the main publishers for the bbc micro and acorn electron computers in the 1980s and early 1990s .

it currently releases games for microsoft windows ; mostly updates of its original games .

superior software

superior software started in autumn 1982 . its first four products were : galaxy birds , space fighter , centibug and invaders . the first three were written by richard hanson , the founder of superior software .
at superior software logic , we realize that your success is our success . . . and we will succeed .
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superior software was a publisher of games and utilities for the bbc micro and other home computers , based in leeds , england , owned and run by richard hanson .
after working at superior software for 18 months , the same length of time i was at micro power , i was offered a job at europress , and took it… .
next : working at europress / database software / mandarin software previous : working at micro power / program power , leeds you can contact me about this page here .
the most popular individual title was , surprisingly , overdrive - now on our superior collection compilations .
superior has always placed the bbc microlelectron market first and hence has been successful in this niche .
on the superior software side , one day we received a game in the post called repton from a 15 - year - old teenager called tim tyler , which he had written in a month .
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the following is a list of bbc master games published by superior software in the centre for computing history collection . it is not an exhaustive list of and other games may have been published . if you have any games or software that you would like to donate to our collection , please view our donations page .
the following is a list of acorn archimedes games published by superior software in the centre for computing history collection . it is not an exhaustive list of and other games may have been published . if you have any games or software that you would like to donate to our collection , please view our donations page .
the following is a list of acorn electron games published by superior software ltd in the centre for computing history collection . it is not an exhaustive list of and other games may have been published . if you have any games or software that you would like to donate to our collection , please view our donations page .
the following is a list of bbc micro games published by superior software ltd , acornsoft in the centre for computing history collection . it is not an exhaustive list of and other games may have been published . if you have any games or software that you would like to donate to our collection , please view our donations page .
i said i also might be able to help him with superior software . he didn’t think i’d be able to do much as he showed me a graph showing how he predicted sales would go down and down over the coming months .
so he was contacting me at superior to see if we were interested . i said we could do well with it if we simply sold it as a software program that people loaded from tape and floppy disc into ram , as i knew the popular program for the atari 400 / 800 called s . a . m . : software automatic mouth .
( around september 1991 , a few years after i left superior , speech was launched for the acorn archimedes computer . )
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superior has been publishing games for the bbc micro from the start and has built up a reputation for good quality and original games .
this was recognised by acorn computers who , in 1986 , agreed to superior taking over acomsoft releases . other software houses who published over the full range of computers tended to neglect the bbc micro market or produced second - rate products , almost as an afterthought .
“chris payne worked with me as a marketing manager , and his knowledge of marketing – he has a degree in the subject – assisted superior software to grow rapidly from a small company to a much larger one . in terms of the company’s financial progress , his knowledge was an enormous contribution . ”
i think it is well known that he programmed such brilliant games as the last ninja , superior soccer and barbarian ii . he is now working on hostages .
when you buy a record it ' s the artist and title that are important - many people couldn ' t even tell you who the publisher is . however with software it ' s the software house whose name is promoted rather than the author ' s . in fact , many games in the past were released without a mention of the author . do you think this is fair and what is superior ' s policy on promoting the author ' s name ?
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ricochet - detailed colourful graphics and animation ; many characters , adversaries and puzzles !
superior interactive ' s best game yet
. . . ian rees click here for full game details
© copyright - superior srl - sede legale largo lanciani , 24 - 00162 – roma - ph . : + 39 06 . 976 . 18 . 381 - vat it11387151001 - all rights reserved .
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“speech ! from superior software was such a ground - breaking piece of software , that it is difficult to overestimate the impression that it made . it was featured on television programs – for instance micro live presenter fred harris demonstrated it on the bbc 1 saturday morning children’s show “saturday superstore” . and it also starred on records – most famously on roger water’s ( ex - pink floyd ) solo lp “radio chaos” . “radio chaos” was a concept album about someone that creates a computerised voice ( a person receives a credit for operating a master 128 on the sleeve ! ) . ”
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i knew the teenage author of the game ghouls for the bbc micro : david hoskins . he rang me one day as he had created a software - based speech synthesiser for the bbc micro .
however , unreasonably high prices tend to promote piracy , as has happened to a large extent with the atari st and amiga markets , and may happen with the archimedes market if software houses are not careful .
i left micro power , joined richard in his superior offices , he provided me with a company car , i came up with the name cryptic records . richard and i became co - directors . more about cryptic records here .
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some people feel that they can make all the money for themselves if they think of a good name for a software house and publish their own games . what are the pitfalls they could meet by adopting this approach ?
we will also be publishing a few very high quality games for the archimedes , such as hostages and superior golf , but we don ' t intend to jump on an archimedes bandwagon to the detriment of bbc micro / electron computer owners .
beyond the need for well written and developed systems lies the ever growing need for easily understood and usable applications . our highly talented team provides the information architecture , visual design , and front end development required in order to deliver a superior experience to your users .
licensing is now very popular throughout the software leisure market . the advantage to the publisher is that much of the marketing has already been done , hence costs can be much reduced and quality does not need to be reduced to offset licensing costs .
there must be a lot of people who ' ve written a game and don ' t know what to do with it . how should they go about submitting it to a company like superior , and how much could they expect to earn it it was expected ?
computer labs have adobe reader , microsoft office suite , microsoft visual studio , quick time player , spss statistical package , and winzip . instructors who have specialty software they want their students to have access to in computer labs need to contact the technology helpdesk .
at superior software logic , we are dedicated to meeting the information challenges that face most small businesses today . we have developed long - standing relationships with all of our clientele that allow us the ability to truly understand their needs , and to develop solutions that solve their problems and help their companies prosper . we are not a one - stop shop specializing in one thing , and we are not looking for the
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one of the latest trends in games software is to license the name of a film or use a famous person to promote a product . this obviously costs a lot of money , so why is it done ? doesn ' t it lead to a more expensive product or one of lower quality ?
i didn’t like superior’s packaging designs and artwork at all , so i brought in graphic designer mike ellis who i’d used at micro power , and i sketched out my ideas for the inlay card . the idea was to show very clearly the similarity to boulder dash so it would be picked up quickly in computer shops and purchased . this what mike came up with…
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repton 1 is a fascinating , strategical puzzle game , described as
the best game ever invented
. can you complete repton 1 ? click here for full game details
repton 2 - our most eagerly awaited game so far ! more game characters , features and puzzles !
best ever computer game .
. . . patricia wilmut click here for full game details
ravenskull - a magical quest full of puzzles and mystery , as reality blends with fantasy . now includes two large adventures ! click here for full game details
pipeline plus - a cleverly designed adventure game , based around an intriguing futuristic setting . features two massive adventures ! click here for full game details
repton 1 and repton 3 for android phones and tablets are ready to play now at the google play store quote from 5 - star review :
really enjoyable reboot of the best rock - and - diamond puzzler out there . the kids are always wanting their turn at it too . highly recommended .
frederic friedel , who runs chessbase , is a great fan of the repton games , and even produced a television programme showing his young son playing repton . frederic told us that some of the world ' s leading chess players , including chess grandmaster dr john nunn , are also very enthusiastic repton players .
what is the sum of 2 + 2 ? ( this is just a human / robot check . )
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many new levels for the repton games and several more projects are under way . . . please join our free newsletter for more information
steve giller remarked :
i ' m delighted with the quality and level of support for your products - and you can quote me on that .
to sum up our games , tim wye kindly commented with these words :
great production values and pure gameplay goodness always .
phil cole , who has purchased all of our games to date , enthused :
i ' m continually impressed by the high quality of your products .
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back in about 1984 , when i was 24 , i was working as marketing assistant at a rival publisher called micro power / program power , based in the same town , and less than half a mile away . i had been there 18 months and was ready to move on .
i chatted a few times with richard , then bumped into him one day while out shopping . sales weren’t going well . we were both into music , so he suggested we set up a shop in leeds selling lps and singles ( this was before the days of cds ! ) . i wasn’t interested , but i was interested in setting up a record label to promote local bands . richard thought that sounded great , so we discussed setting that up .
( micro power had turned the game down as it was so similar to boulder dash and didn’t want to have copyright issues i guess , so tim then sent it to us as the second most prominent games publisher for the bbc micro . )
i suggested that the game needed a password system so players could skip earlier levels of the game as they progressed through the levels , rather than starting from the very beginning each time they played . this feature was incorporated .
the game was a terrific success . later i tweaked the company logo , rounding out the harsh edges to the ss , and giving it a little depth , without altering it too much…
repton 2 , released in november 1985 , was a great success too . here’s the full - page ad i created for it . i used to sit in bed at night browsing through books of typefaces ( ! ) and advert designs – and came across a newish typeface called dave , so i asked mike ellis to use it for the strap line at the top of this ad…
as i had my atari 400 , i had some games which had level designers built in . this was a new idea at the time . so when richard and i talked about creating repton 3 , i encouraged him to include a level designer . repton 3 was released a year after repton 2 in november 1986 .
eventually the repton range sold 125 , 000 units which was an amazing success for that time in the early days of the computer games industry .
( early in 2010 richard hanson sent me a development copy of irepton for the iphone to get my feedback , and i really enjoyed writing up my comments for that . )
he saw it being sold on a chip which would be slotting inside the computer once you’d unscrewed the lid . he had offered the speech synthesiser to micro power , but they had turned it down .
speech ! took up 7k ( ! ) of memory , so on a 32k bbc micro there was plenty of room left for a program that would use it .
i came up with some ideas for simple programs which would show off what you could do with it , such as a simple spelling program for children .
i decided to keep the name of the package simple : speech ! with an exclamation mark on the end .
for the packaging i drew a sketch of a genie coming out of the computer with a jaggedy speech bubble saying “speech ! ” , gave this to mike ellis and he came up with some great artwork .
in hindsight it probably would have been more successful if i’d come up with a cleverer name .
we sold speech ! for £9 . 95 on tape and £11 . 95 on disc , far far less than if we had sold it on rom .
i had the idea to create a advert to encourage programmers to send their games to us – and make us their first choice , rather than micro power which was our biggest competitor .
so i wrote a full - page colour ad headed can you write games ? and explained how much money repton and other games had made for their young programmers .
i really enjoyed working with richard : he ran a solid business very prudently and wisely .
that’s very kind , though i was less than 2 years out of college , so i was very green marketing - wise at the time .
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these games were produced only for the bbc micro and only in cassette form . although relatively simple , they are still fun to play .
a few years ago it was common to hear tales of programmers getting rich very quickly . photographs of them standing next to their newly - acquired sports cars were a common sight in the press . is it still a rewarding occupation ?
only a very few highly talented programmers are getting a good income out of producing computer games . nowadays they are much more complex than those released a few years ago and take much , much longer to write .
games produced by teams of two or more programmers are now quite common . for example , ricochet had two game authors , two graphics designers and a loading screen designer .
a good game by a new author can , if it is carefully marketed , earn the author a few thousand pounds .
we are always looking for new games for the bbc / electron and archimedes micros , and several by previously unknown authors are at present under development .
they may be released as individual titles , as occurred with ricochet and perplexity , or be included in compilations , as with qwak ( on play it again sam 10 ) and baron ( on play it again sam 11 ) .
we are interested in receiving games for evaluation for the bbc micro , the electron and the archimedes . they can be submitted on either disc or cassette .
it is very important that sufficient documentation is provided so that the game can be played in full . if a cheat version is available , this should also be submitted , as it can save a lot of time in checking the higher levels .
unfortunately it ' s not quite so easy . the game code is only the first step . you then need to check compatability with all the different types of bbc micros and various add - ons , and apply some protection to prevent piracy .
you then need the cassettes and discs , the printed labels , the printed inlays and instructions and the cassette / disc cases .
for most of these items bulk purchase is much cheaper than buying just a few items - so you need capital . having sorted out the duplication , you will have your product . you ' ve then got to sell it .
games are released in many forms - full price , budget , compilation , in a big box with a detailed manual or in a plastic case with brief instructions . how do you decide what sort of packaging to use and how to price the product ?
we try to keep to a standard size packaging for cassettes and discs , as this is preferred by retail outlets such as w . h . smiths . it also makes for attractive collections of games in people ' s homes .
we also try to stick to standard prices . our prices of £9 . 95 for cassette , £11 . 95 for 5 . 25in disc and £14 . 95 for master compact discs have remained the same for several years , which in practice means that our prices have been reduced .
the exceptions to our standard packaging and prices are our mega - games such as elite , revs + revs 4 tracks , exile and repton infinity .
each of these include a large booklet ( for exile there are two booklets , a novella and an instruction manual ) , which requires the larger video type case . the higher prices relate to the extra costs of the booklets and the higher development and royalty costs .
at present you sell games for all acorn micros from the electron to the archimedes series . what is the present split between the various micros and how do you see this changing in the future ?
the market split has not changed appreciably over the past two or three years , with the bbc micro sales being highest , followed by electron sales , with archimedes being a long way behind .
we are very committed to the bbc micro and electron market and will continue to produce new and original games for these computers for several years to come .
there are so many hundreds of thousands of bbc micro and electron micro in schools and homes , with a very strong second - hand market , that we expect the bbc micro and electron markets to remain buoyant for several years to come .
a good game on the bbc micro requires the same attributes as a good game on any computer , that is playability , good use of graphics and sound and originality .
the bbc micro owner is probably more keen on strategy type games than other computer users , which helps to explain the massive success of the repton games and arcade adventures like citadel , and ricochet .
the most popular series of games was , and continues to be , repton games , which have now sold well over 100 , 000 units on the bbc micro and electron .
one of the biggest groups of repton addicts are housewives . once their husbands and children are safely out of way , on goes the life of repton and another couple of screens are sorted out . the highest selling games at present are the play it again sam compilations , now up to number 12 .
all these compilations , from number 1 through to number 12 are almost equally popular . it ' s not surprising since the collection includes , at affordable prices , nearly all the best games ever produced for bbc micro and electron , such as thrust , stryker ' s run , galaforce , killer gorilla , frak ! , imogen , the sentinel , firetrack , snapper , winter olympiad 88 , zalaga , skirmish and the last ninja .
you might expect me to choose one of the mega - games such as elite or exile , but i don ' t get too much time for game - playing so i prefer the sort where you can get enjoyment from a short playing time , but which exercise the mind .
at present i find both ricochet and perplexity provide very enjoyable relaxation . occasionally i ' ll have another stab at trying to complete repton 2 .
such products would not be successful if the consumer did not want them . although we have licensed film rights , as with predator , and bbc television game rights , as with a question of sport , most of our licensing deals are for products previously released on other computer formats , such as barbarian and the last ninja . again , reduced marketing costs can offset the cost of the licence .
our recent licensing agreement with infogrames opens up a whole range of new games for acorn computers , including some of the most original titles ever produced for micros , starting with hostages and sim city in the summer . other possibilities for the future include captain blood , north & south and drakkhen .
games can usually be categorised - adventure , shoot - em - up or simulation for example . would you consider releasing any type of game or are there some that you would avoid . . . and why ?
we try to release a full range of games , although we find that arcade adventures and strategy games are particularly popular in the bbc micro / electron market . very good shoot - em - ups , such as galaforce and firetrack , also do well .
on each play it again sam compilation we try to give a mix of the various types of game to keep everyone in the family happy .
we always acknowledge the authors on our game inlays or instructions and we encourage authors to get in touch with magazines and discuss their games and give hints .
one problem with promoting the author ' s names is that many write one game , sometimes very successfully , and that ' s it . with authors who consistently produce top quality games , such as the very talented peter scott , we freely and very happily acknowledge his authorship .
the main problem associated with converting games to the bbc micro and electron from 16 and 32 bit micros is that players ( and reviewers ) will inevitably compare the result with the original games , and may then be disappointed .
however ballistix was a very successful conversion of the atari st and amiga release by psygnosis , and our version of sim city , to be released later this year , will be based more on the amiga version of the game ( which was selected as the top game of 1989 in america ) than the commodore 64 one .
we will continue our present a mix of totally new releases , such as ricochet and perplexity , licensed games such as predator and last ninja 2 and play it again sam compilations .
licensing deals with companies such as infogrames should also bring to acorn computers the very best of products from the american and european markets , such as sim city .
this article appeared in the may 1990 edition of the
micro user
, published by database publications .


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caliber home loans has announced the completion of successful acquisition of banc home loans .
caliber home loans ’ acquisition of banc home loans , the mortgage banking division of banc of california , is now complete .
glassdoor gives you an inside look at what it ' s like to work at caliber home loans , including salaries , reviews , office photos , and more . this is the caliber home loans company profile . all content is posted anonymously by employees working at caliber home loans .
after several years in business as two separate entities – caliber funding and vericrest financial - caliber home loans premiered in 2013 . view history
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this mortgage company was founded with a merger from caliber funding and vericrest financial . they offer consumers assistance with home loans , home buying and refinancing .
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caliber loans made our refinance experience amazing . look forward to working with them for all our mortgage needs .
caliber home loans , inc . is a full - service national mortgage lender and agency direct seller / servicer . caliber originates loans through various channels and transaction types , including a network of retail branches , wholesale and correspondent lending , and a consumer - direct . . .
we are so glad you are here . we know that purchasing a new home is a big decision , and we at caliber home loans are happy you have chosen to let us guide you home . we look forward to servicing your loan and providing you with excellent service .
caliber introduces a new 5 / 5 adjustable - rate mortgage ( arm ) product to home buyers .
about us imagine . . . a mortgage lender created by industry experts who understand the challenges of today’s home financing market . caliber home loans , inc . is part of a culture that concentrates on you . read more >
“caliber is delighted to announce the acquisition of banc home loans , as we build on our significant growth trends and continue to expand our footprint nationally , ” das said .
sanjiv das , caliber home loans ceo , talks to cnbc ' s diana olick about his company ' s 200 % loan growth and the rise of
riskier
mortgages .
2017 was more than another great year for caliber home loans , inc . – we all worked together to break more records , introduce new products and increase our purchase business .
we offer a variety of home loan and refinancing options to help ensure your home loan is truly affordable . your caliber loan consultant can answer your questions and help you apply .
irving , tx — caliber home loans , inc . recently announced the funding of their 10 , 000th va purchase loan . caliber loan consultant lisa kelly , based in sevierville , tennessee , described herself as “thrilled beyond words” when she learned she had served caliber’s 10 , 000th va borrower .
caliber services , that is , collects the payments on , most of its loans . that’s not typical in the industry .
a mortgage lender created by industry experts who understand the challenges of today’s home financing market . everyone at caliber home loans , inc . is part of a customer - centric culture that concentrates on you . we all work together to expand your lending options , close loans ahead of schedule , and create innovative new loan solutions .
one of lone star’s bigger assets in the united states is caliber home loans , a fast - growing mortgage firm . caliber is one of the top originators of new mortgages , including nonprime home loans to borrowers with less - than - perfect credit but not traditionally classified as subprime borrowers . some of caliber’s growth has been fueled by lone star’s buying of tens of thousands of delinquent mortgages from a federal housing agency and from banks .
casey and shay were wonderful , outstanding , helpful and very respectful agents . my experience with a prior servicer was terrible and i am glad that my loan was transferred to caliber home loans !
caliber home loans , inc . is committed to assisting our active military and veterans in every way possible , helping us earn the military friendly® brand designation for the second year in a row .
your entire social security number and the zip code of your new home ( or existing home if you ' ve just refinanced ) .
new york’s financial regulator wants information from caliber home loans , one of the nation’s fastest - growing mortgage firms , about its handling of distressed mortgages and origination of mortgages to borrowers with checkered credit histories .
our experience with caliber home loans was awesome , we got all the info in and closed on the our home in about two weeks . it was a great experience . ms . allen and her team did a great job compared to what we went through with our bank .
i loved working with jane * * at caliber home loans . she ' s professional , knowledgeable and it ' s evident that she truly cares about her customers . i ' ve already recommended caliber to several people that are shopping for a home loan . i ' ve had experiences with several other mortgage providers in the peoria area and their customer service doesn ' t compare to caliber .
“banc home loans shares the caliber vision of customer - focused values , ” sanjiv said . “with this acquisition , we look forward to continuing to address the unique financing needs of homeowners around the country . ”
just a few months after purchasing my home our 7 year old ( now 8 ) was diagnosed with cancer and was undergoing treatment at st . jude’s . while at st . jude’s i noticed a familiar logo . it was the caliber home loans logo on the red wagons that are used for the children there . i’m not an emotional person but that logo made me cry . something went through my head like “wow , my home loan company really is a great company” . i know this has nothing to do with the loan process but it has made me a customer for life . thank you caliber home loans , thank you . also , my now 8 year old has been cleared of cancer thanks to st jude’s and their wonderful sponsors like caliber home loans .
banc home loans originates primarily agency , government and conforming residential mortgages and operates more than 60 locations in california , oregon , arizona , nevada and idaho .
read answers to the most common questions about va loans , eligibility , and more .
prior to joining the alliance team , max worked for caliber home loans . during his time with caliber , max served as an onboarding underwriter and underwriting business analyst . he worked closely with product development , sales , and operations ; developing process and procedure for their custom loan origination system .
technically , the acquisition involves caliber acquiring “substantially all of the assets” of banc of california , caliber said in a release .
caliber home loans , inc . is committed to being a trusted resource in meeting the specific mortgage needs of the brave men and women of the united states armed forces who serve , or have served our country with resolute sacrifice .
the ultimate home buying experience we ' ve taken the best of today’s cutting - edge technology and created a faster , easier home loan process . read more >
we offer a growing range of home loan and refinancing options . these include :
prefer to apply for your home financing online ? take the first step now .
for the second time in less than a year , caliber home loans , an irving , texas - based residential mortgage origination and servicing company , is acquiring a regional residential mortgage lender that focuses on the western part of the country .
besides making home loans , caliber services — meaning it collects the payments for — $ 93 billion in mortgages . the company says it services about 94 % of the loans it closes . because the mortgage servicing business has traditionally had a low profit margin , most lenders sell the rights to collect mortgage payments to other companies . caliber has gone the other way and purchased the rights to service billions of dollars in loans , many of the mortgages in default or severely past due .
“this transaction will enhance caliber’s presence in the attractive california and northwest markets , ” das continued . “most importantly , banc home loans shares the caliber vision of customer - focused values . we look forward to uniting our dedicated teams to better address the unique financing needs of homeowners around the country . ”
julie richtel is responsible for enterprise risk management . julie has extensive experience in risk and compliance in both mortgage and consumer financial services . prior to joining caliber home loans , she was the senior risk officer overseeing all consumer facing business lines , including retail banking , home lending , mortgage servicing and warehouse lending at everbank .
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 .
“caliber is delighted to announce the acquisition of banc home loans , as we build on our significant growth trends and continue to expand our footprint nationally , ” said caliber ceo sanjiv das . “as part of this strategy , we will focus on strategic opportunities that present significant long - term value . this transaction will enhance caliber’s presence in the attractive california and northwest markets . ”
“caliber is delighted to announce the acquisition of banc home loans , as we build on our significant growth trends and continue to expand our footprint nationally . as part of this strategy , we will focus on strategic opportunities that present significant long - term value , ” said sanjiv das , chief executive officer of caliber .
we service the majority of loans we close so we can build lasting relationships with our borrowers .
a homestyle renovation mortgage from caliber home loans , inc . can help you finance one or more major renovation projects . it provides plenty of funds for repairs and / or remodeling . homestyle is available for new and existing homes – even new construction !
jamie korus , cmb is the president of alliance home loans which is an independent mortgage banker focusing on traditional mortgage banking developed through retail locations and as well as a consumer direct division .
caliber did not disclose the financial terms of the deal , nor did it provide any more detail on what parts of banc home loans it is acquiring , but a banc of california filing with the securities and exchange commission sheds more light on the deal .
according to the sec filing , caliber will acquire the “leases relating to the bank’s dedicated mortgage loan origination offices and the bank’s ‘pipeline’ of residential mortgage loan applications for loans . ”
according to the sec filing , caliber was to the “leases relating to the bank’s dedicated mortgage loan origination offices and the bank’s ‘pipeline’ of residential mortgage loan applications for loans . ”
caliber portfolio lending program a suite of loan products supported by a product team dedicated to promoting and preserving home ownership for more families across the nation . read more >
we had a great experience , i would highly recommend dimitri & wanda to my friends . dimitri is knowledgeable , wanda is patient and kind . they will be taking care of all of our mortgage needs in the future . we are very happy with caliber home loans .
most of the distressed loans handled by caliber are bought at discount from either government agencies or banks by lone star , which has long specialized in investing in beaten - down assets .
jumbo loans are just that –larger amounts of funds for luxury properties and homes in high - cost areas .
banc home loans , banc of california’s mortgage banking division , has branches in california , washington , oregon and idaho . it generated more than $ 5 . 1 billion in closed loan volume last year .
if home financing ' s a mystery to you , we ' ll make things crystal clear .
“since caliber introduced our first lending and community outreach initiatives { in 2016 } , we’ve all worked hard to provide veterans and military families with the service and support they deserve . everyone here is thrilled by the news that we’ve earned the military friendly ® brand designation , ” said bryan bergjans , national director of military and veteran lending at caliber home loans .
banc of california’s sec filing states that the bank still plans to originate portfolio jumbo residential mortgage loans moving forward .
fha 203 ( k ) fixed rate rehab fha 203 ( k ) rehab loans enable you to buy a home that’s in need of repair or renovations by providing additional funding before move - in . read more >
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 .
they were very thorough and timely . always answered my questions any time of the day . i would highly recommend them to my friends . from beginning to end they strived to to do their very best . i would like to take this time to thank the whole caliber home loans team .
hear what everyone is saying about caliber ' s military and veteran lending program .
tools & resources getting ready to buy your first home , move up or refinance ? our online calculator can help you prepare . decide how much home you can comfortably afford , and more . read more >
offers a full line of home loan products , including its fresh start mortgage for borrowers rebuilding their credit .
caliber home loans has announced its new “military friendly” brand designation by victory media , publisher of g . i . jobs and military friendly ratings . introduced this year , the inaugural list of 54 military friendly brands provide servicemembers , veterans and military families with a trusted source to discover the best companies and consumer products .
faqs clear , concise answers to questions frequently asked by caliber homeowners . read more >
according to caliber , the deal is expected to close on march 30 , 2017 .
my experience with caliber was great . jared was with us every step of the way to our dream home . we weren ' t sure we would be able to buy a home , but he helped make it possible and affordable . anytime we had a question , he was there with an answer .
contact us contact us about purchasing , refinancing , payment info and any other home loan question . read more >
note : register for a caliber id and password . both are required to log in .
in a statement provided in response to questions about brennan’s employment at caliber , the company confirmed that brennan was indeed employed there , but said that he doesn’t work at caliber anymore .
chad smith will lead all recapture and direct to consumer efforts , transforming the way caliber interacts with its customers while leveraging the caliber servicing portfolio of more than 650 , 000 customers .
in 2016 , caliber made a major commitment to our nation’s veteran and active military homebuyers .
ryan williamson is the vice president of secondary marketing for alliance home loans . in addition to his responsibilities of the secondary market department , ryan is involved in loan product development , data management , and general support of the mortgage consultants within the alliance team . ryan understands the importance of prudent lending . as a member of the alliance home loans board of directors , and management team , ryan is committed to providing the services necessary to make alliance one of the best lenders in the nation .
anna , we’re delighted to read your feedback about working with caliber for your home loan ! thank you for taking time to share your positive experience . we aim to provide the best service for each customer !
the regulator is also asking for information about mortgages caliber has begun writing to borrowers who have filed for bankruptcy or been foreclosed on but are repairing their credit histories . caliber is one of the few mortgage firms that has begun making so - called nonprime loans nearly a decade after the start of the housing bust .
“as part of this strategy , we will focus on strategic opportunities that present significant long - term value , ” das continued / “this transaction will enhance caliber ' s presence in the attractive california and northwest markets , ” das added . “most importantly , banc home loans shares the caliber vision of customer - focused values . with this acquisition , we look forward to continuing to address the unique financing needs of homeowners around the country . ”
caliber announced the appointment of justin lally as senior vice president , recapture and direct to consumer .
the employees of caliber strive to be ambassadors of goodwill and financial education in our military communities .
you’re just one click away from home improvement heaven ! check out hints for homeowners for diy , decorating , and more .
caliber home loans launched their veteran and military support initiatives in 2016 . since then , the division – led by bryan bergjans , national director of military & veteran lending , as well as a veteran of operation enduring freedom – has launched an innovative series of lending and community support initiatives . these initiatives include the introduction of the website urltoken and internal training for the caliber military & veteran lending professional ( cmvlp ) designation . to date , over 700 caliber team members have received the cmvlp designation and currently specialize in serving military veterans and active service personnel .
homeready™ is a fannie mae loan program that is designed to extend the privileges of home ownership to buyers with limited household incomes .
want to know how much home you can afford ? use our monthly payment calculator to see homebuying expenses for several loan options .
the fha 203k loan program provides home buyers the opportunity to buy and fix up a property , without exhausting their personal savings .
caliber presents va loan borrowers with a custom challenge coin as a symbol of our appreciation and respect .
i have never had a more positive experience than i did with caliber home loans . i was taken step by step through the process . if i didn ' t understand or thought i was finished with something , caliber sent out reminders and would call to make sure everything was smooth sailing , and it was ! people don ' t move every day . in my case it had been twenty - two years ! a lot has changed but caliber didn ' t miss a beat to make sure i stayed on schedule for my closing . it was nice to work with caliber ( mr . * * ) a company that puts the person first before the sale ! thank you so very much .
homeready™ is a fannie mae loan program that is designed to extend the privileges of home ownership to buyers with limited household incomes . you may be able to buy a home with little or no money out of your pocket by using gift funds provided by your family members .
my experience with getting several investments loans has been fantastic . great rates , service and always a kind voice . i will definitely refer them to friends and family and use them whenever i need another loan . caliber rocks ! plus they have a great app .
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 .
chad is responsible for transforming the way caliber interacts with our customers , as well as leveraging our existing servicing portfolio of over 650 , 000 . prior to joining caliber , he was president of direct lending at loandepot .
as of march 31 , 2012 , vericrest serviced 45 , 676 loans totaling $ 6 . 5 billion . the current portfolio contains approximately 39 , 049 subprime loans totaling $ 6 . 2 billion , 5 , 395 subprime closed - end second liens totaling $ 193 . 9 million and approximately 1 , 200 other loans totaling $ 111 . 7 million . fitch will continue to monitor vericrest ' s ability to manage its growth while maintaining performance in a changing mortgage servicing environment .
were also not found on the website . caliber declined nerdwallet’s request for information concerning fees , rates and services .
fha loans – fixed - rate and arms , high - balance an fha loan is partially insured by the federal housing administration ( fha ) . read more >
wonderful service ! i previously had a mortgage with bank of america , and it was painful . the difference is night and day . caliber home loans provided seamless service , closed on time , were able to coordinate everything , fixed the mistake that the escrow company made . i can ' t recommend them enough ! they also secured an excellent interest rate for me the minute i put down an offer on the house .
irving , tx — caliber home loans , inc . announced today that it has earned the 2017 military friendly ® brand designation by victory media , publisher of g . i . jobs ® and military friendly ® ratings . introduced this year , the inaugural list of 54 military friendly ® brands provides service members , veterans and military families a trusted source to discover the best companies and consumer products investing in the military community .
everyone i worked with are very knowledgeable and professional . i cannot say enough how fast and efficient they did their part to complete and make this loan a smooth sail . i would recommend caliber to anyone who is looking for a home loan and professional service .
caliber ' s ongoing va initiatives were featured in the december issue of mreport , a national mortgage banking industry magazine .
mreport , a national mortgage banking industry magazine , featured caliber and our ongoing va initiatives in its october 2017 issue .
in june , the new york times reported caliber was under investigation for its handling of delinquent mortgages and other practices .
i think that all loan companies - big or small - should follow the standards that caliber set forth when they’re working for the person getting a home loan . i felt confident from day one on getting a loan , so i didn ' t have to worry .
“banc home loans has grown substantially over the past three years into a leading california mortgage banking business , and the team should be congratulated for their success in helping california borrowers finance their dream of homeownership , ” said j . francisco turner , interim president and chief financial officer and chief strategy officer for banc of california . “through caliber , we have found a respected firm who shares many of our same values for employees and borrowers . ”
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 .
the company originates loans through various channels and transaction types , and since its inception , grown its mortgage production volume while growing its servicing portfolio to over $ 75 billion .
caliber home loans’ policy is to treat all applicants and borrowers in a fair and consistent manner and without regard to race , color , religion , national origin , age ( provided the applicant or borrower has legal capacity to enter into a binding contract ) , sex , marital status , disability , familial status , receipt of public assistance , or exercise of rights under the consumer credit protection act , or any other prohibited basis identified under state law .
due to brennan’s actions , the fed prohibited him from working at fdic - insured banks , and caliber terminated his employment .
william brings deep mortgage banking and financial services expertise to caliber , most recently serving as head of capital markets for citimortgage .
vikram leads our efforts to identify and manage partnerships for caliber , specifically new services and joint ventures with our digital partners .
the rapid growth at caliber , which has more than 5 , 000 employees , has not been without problems . last year , the ratings agency fitch issued a negative outlook on caliber , partly because of its rapid growth and increased regulatory scrutiny .
through the acquisition , caliber now has more than 1 , 800 employees working in more than 340 locations across the country .
mission : we are dedicated to preserving the entrepreneurial spirit of a mortgage bank while ensuring the necessary operational controls to originate and service quality loans and create a company with longevity .
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 .
caliber presents every va loan borrower with a custom challenge coin after their home loan is finalized . our challenge coin represents more than our commitment to providing our military borrowers with the best possible service … each challenge coin is a reflection of our lasting appreciation for their service to our country .
refinancing refinancing with caliber could mean cash in your pocket or obtaining a lower rate to accommodate your current situation . read more >
caliber is featured online at urltoken and will be showcased along with other 2017 military friendly ® brands in the august issue of military spouse magazine . for details about military friendly ® visit urltoken . learn more about caliber’s involvement in the military community at urltoken .
my experience with caliber was absolutely amazing ! quick and painless , they made things happen with lightning speed . fantastic customer service . frank actually listened and was extremely helpful . i would never use another mortgage broker other than caliber . keep up the awesome work !
caliber received this designation due to its company - wide investment in supporting america’s military and their families . in addition to its military and veteran lending professionals ( cmvlps ) , caliber has met or exceeded the required military friendly benchmark standards in other areas , including :
caliber ceo sanjiv das was interviewed for default servicing ( ds ) news’ december 2017 issue , sharing his predictions for homebuyers in 2018 .
you may finance a single family residence , condominium , co - op , a 2 - 4 unit property or a home in a planned unit development ( pud ) .
caliber’s military support efforts have been recognized by the employer support of the guard and reserve ( esgr ) , a department of defense program . in november 2016 caliber received the esgr’s above and beyond award for the company’s supportive workplace culture created to benefit military families . more recently , caliber became a military friendly ® brand as chosen by victory media , creators of the g . i . jobs ® magazine and website urltoken .
national support : this company has branches across the united states , so you can get help with your home loan from a local loan consultant who understands the market in your state .
send away for more information : submit a short form on the website to receive free information on their mortgage programs to help you make a decision about buying or refinancing your home .
in a statement , sanjiv das , chief executive officer of caliber , said that the deal bolsters the company’s lending base on the west coast .
caliberh2o is a feature rich mobile app that puts the power of caliber ' s proprietary h2online system conveniently in the palm of brokers ' hands .
the new york regulator made the request in a letter sent a week ago to caliber , said the person briefed on the matter . the regulator told caliber it was investigating multiple complaints from consumers in new york and wanted information related to the firm’s procedures for handling distressed mortgages and foreclosures .
this morning i called the customer service with regards to my recent account transaction . unfortunately , the aforementioned madam appeared very unfriendly , impolitely and impatiently , trying to hang up the phone even before giving me the fax number which i need . when i requested to address my concerns to her supervisor , she seemed to be much worse , and finally hanged up the phone without any notice , let alone any courtesy . i feel ashamed to meet such a customer service representative working with a national - wide well - known company : caliber home loans !
the company also offers financing up to $ 2 million for investment properties , as well as a mortgage program tailored to foreign nationals seeking to buy a second home in the u . s .
to explore mortgage loans that might best suit your situation , and to pre - qualify , you’ll need to talk to a loan consultant , either in person or by phone . the lender is licensed in all 50 states and has about 100 caliber branch locations . additional inquiries are routed to a national call center or handled through an affiliated broker or independent mortgage banker .
john is among our most successful executives , and a seasoned employee with caliber . he provides day - to - day leadership for our retail sales organization .
last year , caliber acquired first priority financial , a regional residential mortgage lender with branches and originators serving california , oregon , washington , idaho and iowa .
quicken loans ranks highest in the study with a score of 850 , followed by huntington national bank with a score of 828 . regions mortgage ranks third with a score of 810 , an improvement of 77 points from 2015 .
in 2014 , lone star acquired dfc global , a pennsylvania - based payday lending firm , in a deal that valued the firm that makes short - term , high - interest loans for about $ 1 . 3 billion .
phil has over 18 years of experience in the mortgage banking industry . as one of caliber ' s founding members , he has played a key role in establishing caliber ' s origination platform as svp of operations , svp of business strategy , and cao . he currently oversees recruiting and product development across all channels .
our team from caliber was simply the best . reliable , responsive , honest , friendly - you couldn ' t ask for more ! answered all our questions quickly and made the process as smooth as possible . we were able to trust them 100 % . would recommend to anyone without hesitation . thank you caliber team !
va loans – fixed - rate and arms , high - balance partially insured by the u . s . department of veterans affairs ( va ) and a valuable benefit for military veterans and active servicemen and women . read more >
the result ? a lender who provides fulfilling , affordable home financing . our current business rankings are proof of this , as we’ve grown to become a leading mortgage lender in just under three years * * .
in october , the wall street journal interviewed caliber chief executive officer sanjiv das to collect his insight on a current trend in u . s . homebuyers’ mobility rate .
i’m a first time home buyer and used usda rural development for my loan . my loan process was average i would say . caliber did great on their part ! everything went as well as i could expect . i never had an overwhelming feeling or anything . in my opinion the process went as planned . sometimes it’s the little things in life that really open your eyes .
buying or refinancing your dream home can be an exciting time for you . we are here to help guide you through the process using our knowledge and expertise to find the right solution to your individual mortgage needs .
caliber experienced exponential growth in the last few years , now employing nearly 7 , 000 people . caliber’s leadership team wanted to ensure that the unique spirit of the company — which includes exceptional customer service — would be celebrated , not diluted . to that end , they looked to petruska to identify and embed this spirit throughout the company .
petruska distilled caliber’s culture into its ways of work model , which , rather than a values statement , articulates the ways employees desired to work together to reinforce company culture .
fresh start : the fresh start program is designed to help homeowners who have previously experienced a foreclosure , bankruptcy or any other credit setback to get a home loan ranging from $ 150 , 000 to $ 1 million .
since many of our senior executives worked directly with borrowers earlier in their careers , they helped create a lender that understands today’s homebuyers . we understand your concerns and priorities and address them during every stage of the home loan process .
i was very satisfied with rosa and her assistant in every step . they were both available and very helpful when it can to answering all questions . this was a big step for me and i felt nervous many times . fortunately they were able to guide me step by step . and with their help i was able to purchase my first home . i would definitely recommend caliber ( rosa * * ) !
so , from the very top , we’re equipped and committed to addressing your concerns , priorities and goals throughout the entire loan process … a commitment that resonates throughout all of caliber .
caliber’s fresh start mortgage is for borrowers who have suffered a financial hardship , such as bankruptcy or foreclosure , and are looking to rebuild their credit . the program offers these benefits :
using feedback from its annual employee engagement survey and working sessions with many teams within the organization , caliber’s leadership team formally memorialized what employees instinctually knew about how they wanted to work together . these became known as the caliber wows , and the catalyst for a company - wide integration . they are : collaborating contagiously , caring fiercely , leading thoughtfully and doing the right thing .
additionally , caliber will also pay $ 36 million to acquire the mortgage servicing rights for approximately $ 3 . 8 billion in unpaid principal balance of conventional agency mortgages from banc of california .
interestingly enough , the filing states that banc of california will be eligible to purchase jumbo mortgages originated by caliber that meet the banc of california’s credit underwriting standards on a servicing retained basis .
caliber responded by saying the company had one of the highest loan - modification rates in the industry and reduced the average borrower’s payments by more than 20 % , according to the times .
caliber , a firm that lone star began cobbling together nearly four years ago , now ranks as the 10th - largest mortgage servicer , or bill collector , out of 30 major companies nationwide .
“they seemed genuinely interested , ” said ms . tirelli , whose client has since received a loan modification deal from caliber . “if enough people complain , that is how you get change . ”
how long you expect to stay in your home is also a factor to consider . if you ' ll be moving in a few years , the month to month savings may never add up to the costs that are involved in a refinance .
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 .
by utilizing behind - the - scenes technology just implemented , caliber is working to shorten the mortgage loan process from more than 40 days to , in the best of circumstances , as few as 10 .
jennifer was outstanding . she was there for me every step of the way ! an educator , encourager and advisor . she worked diligently to ensure my first home buying experience went as smoothly as possible . thorough , caring and honest . i can’t thank her enough for being a part of this journey and helping to make it all possible . i plan to use her for every loan / home purchase moving forward , and happily refer her to every one person i know ! thank you so much jennifer ! ! !
as first time home buyers , the learning curve is steep . our experience working with ann was nothing short of thorough and easy . we ' d be more than happy to recommend her to anyone looking to purchase their first , second or even third place .
offering loan amounts from $ 1 . 5 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 .
additionally , the filing also stated that caliber will pay $ 36 million to acquire the mortgage servicing rights for approximately $ 3 . 8 billion in unpaid principal balances of conventional agency mortgages from banc of california .
in october 2015 , the new york times reported on a caliber loan modification program that reduced a borrower’s monthly payments for five years but then reverted to the loan’s original payment terms beginning in the sixth year .
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 .
other caliber initiatives include supporting operation gratitude , a nonprofit organization that delivers supplies and gifts to active military and veterans ; operation homefront , a non - profit organization that supports active duty military families in need ; and back - to school brigade 2017 , that delivers needed school items to local military families . all caliber staff are invited to participate in operation homefront & operation gratitude programs by donating supplies , including making paracord bracelets .
pleasant and easy . everyone was very accommodation , understanding and helpful with any and all questions and confusions i had as a first time home buyer . very smooth process . rocco really went above and beyond to help us achieve this awesome milestone in our family ' s lives !
the support was great . professional services with all questions answered and a lot of good advise regarding other things to take into consideration . highly recommend them if you are looking to finance your home . we were presented with a several options . the support did not end with closing date .
caliber is also a huge wholesale lender . that means it provides loan products and services to local lenders . nearly one - third of its total loan volume comes from providing loan services to independent mortgage brokers and mortgage loan officers .
caliber employees with a military background bring unique training , discipline and qualities to the workplace . whether they’re directly involved with serving veteran and military borrowers or employed in another area , we’ll continue to invest in recruiting and retaining veterans .
he and his wife , eilene , who is british , live in a $ 70 million home he bought in london a few years ago . as of 2015 , the couple owned pyrford court in surrey , a mansion near london that was featured in the 1976 horror movie “the omen . ”
jon * * at caliber really stood out among the mortgage providers i was considering . he was willing to meet me to discuss my goals even before he knew i was truly serious about buying a home , something distinctly different from other lenders i considered . from beginning to end , this was a premium experience with a team that really took care of me . i was never burdened with bureaucracy ; jon shielded me from that . he helped me find a loan product that worked for me , even though i had a special situation .
linda tirelli , a lawyer in white plains who is known as a forceful advocate for homeowners facing foreclosure , said in april that she had complained to ms . vullo’s office about caliber because of how the mortgage firm handled an effort by one of her clients to negotiate a loan modification . ms . tirelli said she had a phone conversation with one of the lawyers in the agency’s real estate division and provided documents that she said suggested caliber had been disingenuous in the negotiations .
caliber received this designation because of the company - wide investment in supporting america’s military and their families . in addition to our military and veteran lending professionals ( cmvlps ) , we meet or exceed required military friendly benchmark standards in other areas . these include :
the heightened scrutiny of caliber comes as private - equity - owned mortgage firms are grabbing a large share of the business . big banks have pulled back from processing mortgages after paying big fines levied by regulators and federal authorities for foreclosure abuses during the financial crisis .
caliber was included in the j . d . power primary mortgage origination satisfaction study for the first time in 2016 . out of 18 lenders , it ranked 16th , garnering two “power circles” out of five for overall satisfaction and rated as among “the rest . ”
my loan officer took her time in dealing with my loan . if she was dealing with other loans it actually never felt like she did . i felt like i was her only customer and the focus was on my loan only . it felt like everyone helped each other out to make sure my loan gets approved . i appreciate everyone that took care of my loan .
“the critics contend the temporary modifications merely enable caliber to begin collecting payments on a loan that has been delinquent for many months or years , but provide no permanent relief to a borrower whose income has declined because of a financial crisis , ” the times report said .
this was a great overall experience as caliber is my existing mortgage company and i looked into getting a refi . the initial call was great and proceeded on to refi . the reps were all very knowledgeable and great to work with . the entire process including the closing company were great . i was very happy with the service i got from vanessa * * and team . it happened sooner than expected and was a pleasure to work with . i will stick with caliber for the life of my mortgage and recommend them to my friends .
the staff at caliber were very efficient and speedy . for a small business , they have a great range of loan and down payment options . i could have closed in 3 weeks if needed but i am more than okay to have closed in 29 days ? ? ?
caroline is responsible for leveraging technology to support caliber’s aggressive growth plans . she brings a deep background to her position , having most recently served as the technology officer for a leading global private equity firm . prior to that , she was global chief technology officer for pepsico .