Preferred Lenders

Mike Homberg
Branch ManagerWe understand each customer has specific needs and here at Caliber Home Loans, we strive to deliver exceptional service and individual attention.
With a variety of loan programs, highly competitive pricing structure, cutting edge technology and our commitment to service and value, Let Caliber Home Loans guide you through the home buying or refinancing process.

Kaoru Forbess
Loan OfficerKaoru Forbess is a University of Maryland, College Park graduate who was a member of the 2008 National Championship winning Men’s soccer team. Upon graduation, Kaoru wrapped up his soccer career as a Major Arena Soccer League champion with the Baltimore Blast.
Kaoru began his mortgage career in 2015 and built his business through customer service and client referrals. He is licensed in Maryland, Pennsylvania, D.C., Virginia, and can offer a variety of products that will fit the customer’s needs. Surrounded by great support staff and a fun atmosphere at Primary Residential Mortgage, Kaoru will make sure that your home buying process is smooth and enjoyable.

Jeffrey Dobrzykowski
Branch ManagerJeff has worked in the mortgage industry since 2005. As a Loan Officer and Branch Manager, he has served over 1,200 borrowers. Currently, he manages the DML branch in Bel Air. Jeff is a graduate of Calvert Hall’s Class of 2000. He attended the University of Maryland for two years where he cheered the Terps basketball team to a Final Four and National Championship and the football team to an Orange Bowl. He transferred to and graduated from Loyola College.
Jeff and his wife, Katie Rose, have four kids – Isabella, Jeffrey, Ava, and Dominic. You can typically find them somewhere in the mid-Atlantic on a soccer or lacrosse field or at a gymnastics competition.
Jeff chooses DML for the culture, friendships, opportunities, and the quality of life they provide.
Quote to Live By: Always be humble and kind.

Ryan Paquin
Branch ManagerRyan Paquin is a passionate, hard working mortgage consultant and Branch Manager with the brilliant professionals at First Home Mortgage in Crofton, Maryland.
For the past ten incredible years Ryan has made his forward thinking mortgage advice readily available to those clients who choose to be financially responsible homeowners. His gorgeous, easy to locate office is located at the intersection of Route 3/301 and Route 450/Defense Highway in Crofton.
Ryan has lived in Maryland since February of 2002. He graduated from Salisbury University in 1999 with a double major in Finance and Marketing. Before moving to Maryland in 2002, Ryan was a trader on the American exchange in New York City.
Ryan and his wife have two beautiful little girls, Kylie and Kenna and a little boy, Brett. Ryan enjoys spending his free time with his wife and kids and coaching soccer. Ryan helped 237 families in 2014, helping more people purchase a home than anyone in the company. He prides himself on being extremely well versed with First Time Home Buying programs.