Partner with Calque to offer 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 presenting 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
The time to level-up is now.
More than half of your customers have a financing problem.
56% of repeat buyers need to use funds from their departing residence to make the down payment on their new home and most consumers can't qualify for a new mortgage if their departing residence is included in debt-to-income.
Simultaneously buying and selling a home is one of the most stressful life events
And financing contingencies cause most of the pain. Consumers say that only death of a loved one or divorce are more painful.
Consumers want a better process and are turning to alternative financing options.
'Cash offer' and 'buy before you sell' products grew 33% during an overall mortgage market decline of 38%.
PropTech companies offering these products are expanding nationwide and stealing your purchase business.
We can help you win
- 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.
"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, Claque has become a very valuable partner in my business. I am looking forward to closing many more transactions with you this year!"
Denise Hosek
Senior Loan Officer, HMA Mortgage
Calque removes compliance, risk, and pricing barriers for lenders.
Ready to get your customers into the game and winning with better loan solutions?
Why work with Calque?
If your market isn’t tight on inventory or oversaturated by property tech companies yet, it’s only a matter of time. We can help arm your loan officers with innovative products so you gain market share instead of losing it.
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 support that keeps your loan officers at the center of every deal.
- Training support so your loan officers can easily introduce products to their agents.
Secure and Compliant
- 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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Calque Issues A Purchase Price Guarantee.
- Calque establishes the value of the departing residence and offers your borrower a backup contract at a discount called a Calque Purchase Price Guarantee.
- If the house hasn’t sold on the open market within the time period specified (up to 150 days in most markets), Calque will purchase the home.
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You Originate The Loan.
- You pre-approve a mortgage on the new home that is not contingent on the sale of the existing property and does not include the departing residence in debt-to-income considerations.
- If your consumer has chosen to use The Trade-In Mortgage, you will also create a short-term loan on the existing home to provide the down payment on the new home.
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Purchase, Close, and Move.
- Borrower closes on the new home and moves in.
- Agent stages and lists the departing residence.
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Sell Original Home.
- Upon the sale of the original home, all existing liens are paid in full.
- Your borrower walks away with a conventional loan and incurs lower fees compared to homeowners using other buy-first solutions.
