Calque provides competitive buy-before-you-sell solutions so you can:
Increase volume
By helping your borrowers win with non-contingent financing
Qualify more easily
By eliminating your borrower's first home from debt-to-income
Simpler and safer
By avoiding complex and multiple loans for straightforward bids .
Reduce risk
By providing your borrowers with a guaranteed back-up offer on their home
Raise profit per borrower
Generate up to 2x the profit per borrower by adding a bridge loan
Strengthen agent relationships
With a new solution that wins more deals and increases client satisfaction
"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
- 56% of your customers need their equity to purchase their next home.
- Increase your purchase business by empowering consumers to submit competitive bids in a tight market.
- Recruit and retain agents by helping them differentiate with a better process and close more deals.
- Out-compete PropTech companies trying to encroach on your business.
Calque removes compliance, risk, and pricing barriers for lenders.
"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
Ready to get your customers into the game and winning 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 our lending partners.
- We never sell your client data or leads.
Your brand front and center
- Comprehensive marketing material that reflects your unique brand.
- Front-line and training support that keeps your loan officers at the center of every deal.
Secure and Compliant
- Calque is SOC2 compliant and committed to data protection and transaction security
- Fully compliant with TILA, Reg B, etc.
Easy implementation
- Proactively communicate with your loan officers through every deal.
- No changes to your existing agents’ processes or commissions
- You remain in complete control of your underwriting standards.
Built to Serve Lenders
- Our leadership team has 100+ years of banking and mortgage expertise
- Consumers pay a fee to use our service, not lenders
Better solutions
- Less expensive than iBuyer and PropTech products
- Don’t require duplicate sales or leaseback fees like PropTech products
- Easier and more efficient process
How It Works
4 Simple Steps
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Borrower Gets A Purchase Price Guarantee from Calque
- Borrower fills out a 3-minute questionnaire on a product microsite built for you with your brand front and center.
- Calque calls your loan officer and their borrower within 24 business hours 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.
-
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.
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Borrower Closes and Moves into Their New Home.
- Borrower closes on their new home and moves in.
- Real estate agent stages and lists the departing residence.
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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.
"I am sold on The Trade In Mortgage! The program is a great way to get buyers into the market; it gives them a safety net. It is also a great tool to offer your REALTOR partners; their buyers are more competitive and have more leverage against other buyers...I am very pleased to be partnering with Calque."
Stacy Rogers
Loan officer"I currently have one Calque deal in underwriting and a few that should come in shortly. Calque’s purchase guarantee gave a solution to a problem past clients had. It enabled them to move forward with buying a new home and creating inventory by listing their current home."
Stephen Knorr
Branch Manager"I had a client that needed to move quickly from Colorado to Virginia due to an urgent family issue. I presented the Calque Purchase program along with the bridge loan as a solution to their problem. They wanted to move fast...Calque offered a solution to a very stressful situation for my clients."
Wally Andrus
Loan officer"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"Without using Calque, even if people get a contingent offer accepted, they still have that pressure of ‘what if I don’t sell my house?’ Calque really takes away the ‘what ifs’.”
Stephen Knorr
Branch Manager“My experience on the operation standpoint has been fantastic. The closing was extremely smooth and all of our clients seem to love it. Calque gives you business a lot quicker, with an offer you can put on the table immediately with no contingencies and it’s been effective every single time we’ve used it.”
Gracie Hunter
Loan coordinator | Alcova mortgage"We were extremely pleased with The Trade-in Mortgage, it offered us a great sense of security in the selling process and helped us get a lower price while buying."
Rose Mitchell
Home buyer“We were talking to Alcova about getting a mortgage and they had just started working with Calque. …it was really nice to have the sense of security that the house is going to sell.”
Eric coomes
Business Developer Management Alcova Mortgage"I've talked to numerous agents and clients about the Trade-In Mortgage. For me it's about being able to offer something that's new to them, that can help them achieve their homeownership goals. I've been in the business 24 years and I'm always trying different ways to make things work. This is another tool, and a great product, to get people into homes!"
Curt McGuire
Loan officer"Working with our Account Manager at Calque, Rebekah Lanning, has been an absolute pleasure. Calque’s sponsorship of several Realtor Lunch & Learns has been invaluable to our company and greatly enhanced our team's knowledge and networking capabilities. The positive feedback from our team and attendees has been overwhelming, citing the well-organized, relevant, and insightful sessions that have now become a highlight of our learning calendar. Rebekah’s professionalism and dedication reflect highly on Calque, making her a preferred partner in our growth and development strategies."
