More Convenience.

Less Risk.

Better Loan Solutions.

Calque partners with community lenders so homeowners can buy before you sell

Family sold house with bridge loan companies
Our Mission.

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 use their hard-earned equity to buy their next one.

After experiencing these frustrations first-hand, we founded Calque to design a better solution. That’s how we got started, and that’s our mission:

Calque partners with community lenders and local real estate agents so homeowners can buy before they sell for a simpler, less risky, and more affordable home purchase process.

The Calque Difference

We pioneered a new 'buy before you sell' business model founded on the principle that we only win when you win.

Whether you’re a homeowner, agent, or lending partner, we’ve carefully designed our processes so our incentives are always aligned with yours. Unlike our competitors who often profit by reselling consumers’ houses for more, requiring agent commission shares, or competing with lenders for purchase business, Calque does it a different way. We charge homeowners affordable fees and don't profit on reselling their house. Any agent can work with us at no cost, and our success is directly tied to our lending partners’ success.

Our Business Model

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). Having the backup offer in place enables our lending partners to write non-contingent loans on the next home as if the current home has already sold. This modification simplifies and improves 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 that require duplicate closing costs, and in some instances, fees to lease the new home from the company until the original home sells.

Calque partners with local lenders to free up trapped home equity with a simple change to the loan process.

Meet Our Leadership Team

Michael Bremer
Michael Bremer
Chief Executive Officer

Michael Bremer is a seasoned industry veteran with 25 years of experience in the mortgage, real estate, insurance, and risk management sectors.

Bridge loan companies - Dan Mugge, CTO
Dan Mugge
Chief Product & Technology Officer

Dan is an expert in business technology with 25 years of experience in strategy and development within the mortgage space.

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Jeremy Foster
Founder

Jeremy is a financial technology expert with more than 15 years of C-suite experience and deep expertise in the real estate and financial sectors.

rebeca
Rebekah Lanning
National Account Manager

Rebekah brings to Calque a wealth of knowledge in consumer finance and mortgage loan origination

Christal
Crystal Bohner
National Account Manager

With over 20 years of experience in the mortgage industry, Crystal offers extensive knowledge across multiple aspects of the mortgage process.

Shai
Shai Muse
Client Experience Manager

With over 20 years of expertise in the mortgage industry, I bring a wealth of experience in managing various mortgage products.

Meet Our Advisors

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Jim Black
Mortgage

Jim is a 20-year veteran in Mortgage Loan Originations as the Chief Lending Officer at Revest Homes, Inc (NMLS 633511). 

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Dori Daganhardt
Advisory Board Member

Dori has more than 20 years of experience leading product teams for premier technology providers including Black Knight, CoreLogic and First American.

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David Lykken
Advisory Board Member

David is a 47-year veteran of the industry and is currently the Founder, President, and Chief Transformational Officer of Transformational Mortgage Solutions.

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Peter Kallodayschsack
Advisory Board Member

Peter has over 20 years of experience helping mortgage companies leverage technology to improve and streamline sales and operations.

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Marty Sunde
Advisory Board Member

Marty Sunde has blended strategic thinking with operational results for more than 36 years at companies including Kasasa, Acxiom, and IBM. 

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Don Schafer
Advisory Board Member

Don Schafer is an 'Ernst & Young Entrepreneur of the Year' who co-founded and built companies such as Quilo, Kasasa, Banking Solutions, and BancLeasing.

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Jack Nunnery
Advisory Board Member

Jack brings 38+ years of experience in mortgage banking with expertise in  Capital Markets, Loan Servicing, Treasury and Liquidity Solutions, and Risk Management.

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Sara Johnson
Advisory Board Member

Sara has over 15 years of capital markets, investment, and lending
experience and has helped companies raise over $1B in debt and equity capital.

In the News

Ready to get started? See how Calque can help you.

• I’m a homeowner looking to buy and move before I sell.

• I’m a real estate agent that wants to gain a competitive edge.

• I’m a mortgage officer looking for better solutions for my clients.

• I’m a lender inquiring to partner with Calque.

Michael Bremer

Michael Bremer

CEO

Michael 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.

Bridge loan companies - Dan Mugge, CTO

Dan Mugge

Operations

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.”

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Jeremy Foster

Strategy

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.”

Rebekah Lanning

National Account Manager

With a decade of experience in the lending industry, specializing in consumer lending and conventional, government, portfolio, and DPA mortgage loans, Rebekah brings to Calque a wealth of knowledge in consumer finance and mortgage loan origination. Starting her career in account management within the freight industry, Rebekah transitioned into finance and excelled as a mortgage loan officer in diverse settings, including credit unions, banks, and one of the nation’s top home builders. As a former AVP in the banking industry and top 25 loan officer in South Carolina for the SC Housing DPA program, Rebekah combines hands-on mortgage origination expertise, financial literacy experience, and strategic thinking skills with a passion for helping others achieve their homeownership goals.


When asked why she joined Calque, Rebekah says, “Calque’s innovative buy before you sell products allow loan officers and real estate agents to find solutions in today’s complex mortgage market, which empowers them to better serve their clients and communities. By educating them on these solutions, and arming them with the tools needed to succeed, we’re not only helping them to grow their business, we’re also helping their clients achieve their homeownership dreams. That is so rewarding to me!”

Crystal Bohner

National Account Manager

With over 20 years of experience in the mortgage industry, Crystal offers extensive knowledge across multiple aspects of the mortgage process. Throughout her career, Crystal has worked for real estate closing companies, served as a loan processor, and excelled as a top-performing loan originator. Her passion lies in helping others achieve their dreams of homeownership, and she takes pride in guiding her clients through each step of the journey. 

When asked why she joined Calque, Crystal says, “Calque’s product is a powerful tool that allows loan originators and real estate agents to better serve their clients and grow their businesses. I’m excited to share this product because I’ve seen firsthand the positive impact it has on professionals and their clients.

Shai Muse

Client Experience Manager

With over 20 years of expertise in the mortgage industry, I bring a wealth of experience in managing various mortgage products, specializing in credit risk underwriting, quality assurance, and fraud prevention. Throughout my career, I have held pivotal roles excelling in credit risk assessments, policy development, and procedural enhancements. I am known for my keen attention to detail in identifying and addressing process gaps while ensuring stringent regulatory compliance.

My extensive background in quality assurance and underwriting has honed my ability to deliver accurate, written risk assessments and implement effective controls to mitigate risk. I am passionate about maintaining a customer-centric approach, ensuring that all solutions are aligned with both regulatory standards and client needs.

Throughout my career, I have been recognized for my strategic insight and commitment to driving efficiency, safeguarding against fraud, and improving overall business operations. My focus is on driving continuous improvement while cultivating a culture of compliance, risk awareness, and exceptional customer experience within the mortgage industry.

I have seen firsthand how smoother, more efficient processes can significantly impact clients’ ability to qualify for better mortgage solutions. In many instances, had tools like Calque been available, more of my clients could have qualified by removing their current mortgage from their debt-to-income ratio, and positioning them to avoid contingent offers and stay ahead in this competitive market.

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Jim Black

Mortgage

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.”

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Dori Daganhardt

Advisory Board Member

Dori Daganhardt has more than 20 years of mortgage industry experience. In her career roles of Chief Data Officer, Vice President of Product Strategy and GM of Analytic Products, Dori has successfully led global product and data teams for some of the industry’s leading technology and data providers including ClosingCorp, Black Knight, CoreLogic and First American.

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David Lykken

Advisory Board Member

David Lykken is a 47-year veteran of the mortgage industry. He is the Founder, President, and Chief Transformational Officer of Transformational Mortgage Solutions (TMS), a company made up of industry veterans focused on transforming the way the mortgage industry does business through consulting, executive coaching, and communications strategy. David is a frequent guest on FOX Business News and makes occasional guest appearances on CNBC and CBS Evening News. In addition, he hosts the “Lykken On Lending” and the “Lykken On Leadership” podcasts.

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Jack Nunnery

Advisory Board Member

Peter Kallodaychsak is a mortgage industry veteran with 20 years of experience helping companies leverage technology to improve and streamline sales and operations. He has led the successful implementations of complex systems for multiple institutions originating multi-billion dollar pipelines and has also run sales for a national mortgage company, increasing production by 30%. Peter currently serves as a board member for a real estate services group combining lending, real estate, and proprietary technology and is a private investor with positions in the ResTech and Insurtech spaces.

When asked why he works for Calque, Peter says, ”After 20 years in the industry, when presented with Calque in its initial concept, I realized what a rare opportunity it is in business to bring a product to market that truly simplifies a process for the end consumer. The real estate space is crowded, confusing, stressful, and expensive for the average home buyer and Calque goes a long way to solve several of those problems.”

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Marty Sunde

Advisory Board Member

Marty Sunde has blended strategic thinking with operational results for more than 36 years. As the former President at PE-acquired Kasasa (Fintech) and SVP-WW Products at Acxiom (consumer data giant), he possesses a deep expertise in driving profitable growth, operational efficiency, and organizational alignment.​ Prior to that, Marty spent 18 years at IBM, where he received much of his technology and management experience in a variety of executive roles. Today, he serves as a Board Member and advisor to Acclaim Energy Services, and a consultant to the senior executive team at ZSuite, Leader Bank, Talroo, and Open Teams.

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Don Schafer

Advisory Board Member

Don Schafer has spent the last three decades building companies that empower community financial institutions with the products, services, and fortitude to capture and defend market share from mega banks. He co-founded and served as an executive at four such institutions, including Quilo, Kasasa, Banking Solutions, Inc., and BancLeasing. Don was also instrumental in helping launch FundsXpress, which provides internet banking services for hundreds of community financial institutions. In 2011, Don won one of the prestigious Ernst & Young Entrepreneur of the Year awards, and he currently serves on the advisory board for the Austin-based fin-tech company, App Brilliance.

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Jack Nunnery

Advisory Board Member

Jack brings over 38 years of experience in mortgage banking to the team, with expertise in Sales, Operational Fulfillment, Capital Markets, Quality Control, Loan Servicing, Treasury and Liquidity Solutions, and Risk Management. Previously, he had profit and loss and management responsibility for multiple business lines in mid-tier commercial banking environments, including a top tier warehouse lending program, a large correspondent aggregation business, and a leading MSR financing team. Jack also built a top performing, $14 billion residential servicing portfolio. During his tenure, Jack either created or significantly scaled these businesses while constructing a best-in-class risk control environment.

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Sara Johnson

Advisory Board Member

Sara Johnson has over 15 years of capital markets, investment, and lending experience. Over her combined career, Sara has supported the growth of hundreds of technology companies and helped those companies raise over $1bn in debt and equity capital. She has been leading high performing teams for 8 years and assisting with growth strategy through her various roles with Wells Fargo, CIBC, and Horizon. Sara works closely to build trusting partnerships with Founders, PE and VC firms to support the growth of innovative companies. Sara is also an angel investor, mentor, and loves helping founders raise capital.