Offer Better Loan Solutions
Powered by Calque
Scale with a partner that puts your brand first
White-labeled buy-before-you-sell solutions powered by Calque:
Increase volume
Attract borrowers win with non-contingent financing
Easier Qualification
Eliminate departing homes from debt-to-income
Simpler and safer
Fully compliant with TILA, RESPA, Reg B, and SOC2
Reduce risk
With a guaranteed back-up offer on borrowers’ homes
Raise profit per borrower
Generate up to 2x the profit per borrower with a 2nd lien
Strengthen agent relationships
With a new solution and better process
“I closed my first Trade-In Mortgage transaction on Friday. The buyer thought it was too good to be true, but everything went so smoothly. In a short time, Calque has become a very valuable partner in my business. I am looking forward to closing many more transactions with Calque!”
Denise Hosek
Senior Loan Officer, HMA Mortgage
We can help you win
• Attract 56% of borrowers who need their equity to purchase their next home.
• Increase purchase volume with non-contingent offers.
• Save deals when a buyer backs out.
• Recruit and retain agents by helping them differentiate with a better process.
• Nationwide coverage in the 48 continguous states.
Calque removes compliance, risk, and pricing barriers for lenders.
Calque provides homeowners with a Purchase Price Guarantee, which is a binding backup contract that gives your borrowers up to 150 days to sell to a buyer other than Calque. This enables you to remove home sale contingencies, unlock equity, and offer loan solutions that consumers love.
01.
Contingency Buster
Designed for borrowers who want to remove home sale contingencies in 2 business days or less for the lowest possible cost.
02.
The Trade-In Mortgage
Designed for borrowers who want to tap their home equity to make a bigger down payment, pay off debt, etc.
Calque eliminates the duplicative costs and high fees associated with other buy-before-you-sell solutions.
“I was referred two Calque deals from Calque. The realtors were excited to find a potential workaround for the borrowers so that if they found a house they loved, they could use Calque to get a non-contingent offer and a bridge loan to get the buyer in a new home before they sell the other…The realtors getting excited about the program I think really gave me an edge.”
Lindsay Frangie
Loan Officer
Get sellers off the sidelines with better loan solutions.
Why work with Calque?
We can help arm your loan officers with innovative products so you gain market share instead of losing it.
Calque is not a lender
• We complement, not compete.
• We never originate mortgages to compete with lenders.
• We never sell your client data or leads to anyone.
Your brand front and center
• We make custom marketing materials that reflect your unique brand.
• Front-line support that keeps your loan officers at the center of every deal.
Secure and Compliant
• SOC2 compliant.
• Committed to data protection and transaction security.
• Fully compliant with TILA, Reg B, etc.
Easy implementation
• Can onboard in as few as 2 weeks.
• Train your loan officers in 1 hour.
• No changes to underwriting standards.
Built to Serve Lenders
• Leadership team has 100+ years of banking and mortgage expertise.
• No fees or implementation costs for lenders.
Better solutions
• Less expensive than iBuyers and competing products
• Don’t require duplicate sales or leaseback fees
• Easier and more efficient process
How It Works
4 Simple Steps
1 Borrower Gets A PPG from Calque
- Borrower fills out a 3-minute questionnaire on a microsite with your brand front and center.
- Calque calls your loan officer and their borrower within 1 business day to discuss the program.
- Borrower completes a quick and easy virtual walkthrough of their home. At this point, Calque may order additional reports such as BPOs, appraisals, and/or preliminary title reports.
- Calque offers your borrower a binding backup contract called a Purchase Price Guarantee.
2 You Originate The Loan.
- Loan officer excludes the departing home from DTI and originates a loan on the new home without a home sale contingency.
- If the borrower needs to use a 2nd mortgage to access their home equity, the loan officer can also remove the 2nd from DTI.
Note: Calque is not a lender and does not provide funding, but we do have preferred HELOC providers with products made for our processes.
3 Borrower Closes and Moves.
- Borrower closes on their new home and moves in.
- Real estate agent stages and lists the departing residence.
4 Borrower Sells Their Original Home.
- Borrower and agent sell the original home for full value on the open market.*
- Upon the sale of the original home, Calque’s fees and all existing liens are paid in full.
*If the borrower’s home doesn’t sell within the time frame specified in the PPG (up to 150 days in most markets), Calque will purchase the home. If Calque resells the home for more than the PPG, Calque will return the net profit to your borrower after Calque’s expenses have been paid.
What are you waiting for?
Work with us to elevate your lending capabilities, enhance your brand, and solidify your client relationships
