The process of buying and selling a home is unnecessarily time-consuming, stressful and expensive for homeowners. A majority of homeowners have to sell their house in order to tap their hard-earned equity to buy their next home. As a result, many end up moving twice, living in short-term rentals, or watching contracts fall through due to financing contingencies. Sound ridiculous? We agree.
After experiencing these frustrations first-hand, our team founded Calque to design a better way. We re-imagined what the home buying and selling process could look like if we put consumers’ needs first and partnered with local lending experts to help them make the best decisions.
That’s how we got started, and that’s our mission: to work with community lenders and local real estate agents so consumers can buy and sell real estate on their terms with a simpler, less risky, and less stressful home purchase process.We only win when you win. Whether you’re a consumer, an agent, or a lending partner, we’ve carefully designed our processes so our incentives are always aligned with yours. We don’t make money by buying consumers’ houses for below-market rates. We don’t charge agents fees or interfere with agents’ commissions, and our transaction volume is directly tied to our lending partners’ success.
Unlike our competitors who often profit by reselling consumers’ houses for more, cutting agents out of the process or charging fees, and competing with their affiliated lenders for purchase business, Calque does it a different way. We pioneered a new business model founded on partnership and the principle that we will only win when you win.
Calque is a fintech company that partners with community lenders so they can offer consumers innovative home loans. Calque provides homeowners with a Purchase Price Guarantee (i.e., a backup offer on their existing home). This backup offer is rarely executed as most customers sell their home on the open market for more. However, having the backup offer in place enables our lending partners to write a non-contingent loan on the next home as if the current home has already sold. This loan underwriting modification simplifies the homebuying process for homeowners, agents, and loan officers from start to finish.
Many of our competitors use business models that are less cost effective for homeowners. With iBuyers, the original house is purchased for below market rates so the consumer can get access to cash quickly. With PowerBuyers, one of the homes is bought and sold twice to enable the buy before you sell experience. However, this means homeowners are paying duplicate closing costs, and in some instances, extra fees to lease the new home from the company until the original home sells. These methods are expensive for homeowners and complicated for agents.
Calque designed a better way by working with local lenders to create a simpler, more cost-effective loan solution that fixes the problem at the root—the mortgage.Michael Bremer is a seasoned industry veteran with 25 years of experience in the mortgage, real estate, insurance, and risk management sectors....
Learn MoreChandra has 15 years of experience as a data-driven marketer with deep expertise in research, analytics, and predictive modeling.
Learn MoreDan is an expert in business technology with 25 years of experience in strategy and development within the mortgage
Learn MoreJeremy is a financial technology expert with more than 15 years of C-suite experience and deep expertise in the real estate and financial sectors...
Learn MoreJim is a 20-year veteran in Mortgage Loan Originations as the Chief Lending Officer at Revest Homes, Inc (NMLS 633511). Jim also specializes...
Learn MoreMichael Bremer is a seasoned industry veteran with 25 years of experience in the mortgage, real estate, insurance, and risk management sectors, holding senior leadership roles at CoreLogic and First American. There, Michael led strategic business transformation and operational oversight to global teams, delivering best-in-class, regulatory-compliant, scalable solutions that fuel the mortgage ecosystem. enjoys empowering exceptional teams to deliver outstanding service and outcomes for customers and their clients alike by focusing on the intersection between people and products. When asked why he joined Calque, Michael explains, “I’ve experienced firsthand the challenges of synchronized selling, both from a financial and quality-of-life perspective, and I knew there had to be a better way. What I love about Calque is that we’re the best way to provide that better way, by offering the first ‘buy before you sell’ solution that empowers lenders and realtors at the loan level.
Chandra Srivastava has 15 years of experience as a data-driven marketer with deep expertise in research, analytics, and predictive modeling. Chandra began her career conducting primary research to help clients manage unfolding crises & long-term corporate reputation, including Fortune 50 financial firms recovering from the 2008 financial crisis. She went on to receive her Ph.D. in marketing strategy from The University of Texas at Austin with an emphasis on social media and empirical modeling and is currently faculty at St. Edward’s University.
When asked why she joined Calque, Chandra says, “I’m inspired to work on products that make life better and fairer for everyday consumers. It’s exciting to work on a mortgage solution that will allow many homeowners to buy a new home with the same ease and simplicity that used to be financially out-of-reach for most Americans.”
Dan Mugge is an expert in business technology with 25 years of experience in strategy and development within the mortgage and real estate service industries. He has held various senior technology and business management roles including Vice President of Default Technology, SVP of Product Management, Chief Technology Officer, and Divisional President at leading companies such as First American, CoreLogic, Black Knight, and ClosingCorp. Dan has significant expertise in profitably scaling and streamlining operations using cloud-native strategies. In addition, he brings a history of organizational optimization resulting in improved customer experience and increased employee satisfaction.
When asked why he joined Calque, Dan says “My family and I have simultaneously bought and sold homes seven times in the last 25 years so we know full well the challenges and stress that synchro-selling creates for families, especially families with children, dogs and cats like us. What I love about Calque is that it addresses the challenges for consumers in a way that doesn’t disintermediate lenders and Realtors, and you pay much less than alternative offerings for the convenience. From my perspective, Calque’s Trade-In Mortgage offering is a quintessential win, win, win. It is one of those ideas that makes you question why it took this long to make it happen. Here at Calque, our sole mission is to make it happen for as many consumers, lenders and Realtors as we can, which makes Calque a very exciting place to be.”
Jeremy Foster is a financial technology expert with more than 15 years of C-suite experience and deep expertise in the real estate and financial sectors. In the banking space, he guided product strategy for a $25 billion deposit product portfolio and led the successful development of analytics and industry solutions deployed through more than 1,000 banks and credit unions. As a collaborative and data-driven leader, Jeremy has served as the Chief Financial Officer and Chief Operating Officer at three Inc. 5000 companies, including one of the first hybrid iBuyer solutions in the real estate technology sector.
When asked why he’s supporting Calque, Jeremy says, “Choice and competition are good for consumers and for the economy. As large, PE-backed property-tech companies began using bridge ownership programs to consolidate the mortgage market, we realized that if experienced mortgage lenders are armed with the right product, they can provide superior customer service at a more competitive price.”
Jim Black is a 20-year veteran in Mortgage Loan Originations as the Chief Lending Officer at Revest Homes, Inc (NMLS 633511). Jim also specializes in purchase fundings and bridge loan solutions and has consistently been ranked in the top 100 Mortgage Loan Officers nationally. Jim brings a marketing and strategic perspective for integrating the mortgage broker and mortgage banking into custom solutions that create opportunities for families and referral partners to create wealth through real estate financing.
When asked why he joined Calque, Jim says, “My passion is to provide the consumer the best customized solution for their specific situation. What differentiates Calque for the rest of the market is a unique product that creates a simple way for a family to leverage a financial tool to help fulfill a life event, which creates or sustains the dream of homeownership.”
More convenience. Less risk. Calque.
Calque provides homeowners with a Calque Purchase Price Guarantee. All mortgages are provided by lending partners.
No NMLS! Calque isn’t a lender but this is where our competitors usually post theirs 🙂
To speak with a Calque representative, call
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Our address is
5900 Balcones Drive #14640 Austin, TX 78731