Partner with Calque to offer competitive buy-before-you-sell solutions so you can:

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Increase volume

By helping your borrowers win with non-contingent financing

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Qualify more easily

By eliminating your borrower's first home from debt-to-income

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Simpler and safer

Compete on more than just rate with a simpler and safer process

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Reduce risk

For you and your borrowers with a guaranteed back-up offer on the home

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Profit per borrower

Generate up to 2x the profit per borrower by adding a bridge loan

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Strengthen agent relationships

With a new solution that wins more deals and increases client satisfaction

The time to level-up is now.

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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.

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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.

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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%.

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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.
Schedule a demo
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I've seen a lot of products over the years that have promised to make it easier for people to move up or down into their next new home. Most don't really deliver. Calque is different. This product takes the worry away and allows homeowners to act now and move forward on their dreams. Since you never know when you'll need this product to get a new listing and it costs nothing to sign up, I recommend that every real estate agent get Calque into their marketing arsenal now.

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Rick Grant (Editorial Director)

Director
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Calque removes compliance, risk, and pricing barriers for lenders.

Calque provides homeowners with a Purchase Price Guarantee on their existing home, which ensures we will buy it for an agreed-upon price if it doesn’t sell on the open market for more. This enables you to offer loan solutions that consumers love.

01.

The Move Ahead Mortgage

You originate a non-contingent loan on the new home and remove the existing home from debt-to-income considerations. Your consumers make competitive offers, buy before they sell, and rest easy with a guaranteed backup offer.

Learn More

02.

The Trade-In Mortgage

In addition to all the benefits of the Move Ahead Mortgage, you write a bridge loan or HELOC so your customers can use the equity in their current home to make a bigger down payment on the new one.

Learn More

Calque eliminates the duplicative costs and high fees associated with other buy-before-you-sell solutions by fixing the problem at the root--the underwriting process.

Let's Talk

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.
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We complement, not compete

    • Never have and never will originate mortgages to compete with our lending partners.
    • Never have and never will sell your client data or leads.
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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.
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Secure and Compliant

    • SOC2 compliant and committed to data protection and transaction security
    • Fully compliant with TILA, Reg B, etc.
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Easy implementation

    • Proactively communicate with your loan officers through every deal.
    • We don’t require any changes to agents’ processes or commissions
    • You remain in complete control of your underwriting standards.
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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
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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
  • 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.
  • 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.
  • Purchase, Close, and Move.
      • Borrower closes on the new home and moves in.
      • Agent stages and lists the departing residence.
  • 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.
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