Rule breakers. Problem solvers.

Not your mother's mortgage team.

Meet The Bibel Team.

We are changing the way people think about home financing. Breaking rules. Solving problems. Removing hurdles. Educating buyers. Creating videos. Challenging misconceptions. Making people laugh. Building sustainable homeownership.


Jamie Richardson

Production Partner, NMLS #1495506

Jamie’s 20+ years of mortgage experience gives our clients a distinct advantage when moving in for formal underwriting. Hardworking and thorough, Jamie provides clients with an experience that is unmatched in our market.

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Eric Bibel

Loan Advisor, NMLS #1406013

Eric is always ready to assist his clients. He keeps his phone on and prioritizes great communication. Eric’s extensive knowledge of the mortgage process allows him to provide important feedback and advice to his clients.

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Nate Bratlien

Loan Advisor, NMLS #1569297

Nate is detail driven. He ensures all the I’s are dotted and T’s are crossed. This is how we know the pre-approval you receive, is iron clad! Nate is a pro-active problem solver and amazing asset to our team.

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Let us solve your problems.

We challenge misconceptions.

We are not afraid to confront the many misconceptions people have about mortgages. Our videos we educate borrowers and help them become homeowners.

  • You do not need to put down 20 percent to get a home loan. It’s a complete falsehood. You could put nothing down. And for a higher-priced home, you could put as little as 5 percent down. Don’t let saving for a downpayment stop you......

  • There are a lot of people who believe that you need a lot of documentation to apply for a home loan. It leaves borrowers feeling overwhelmed. Do not worry. Through technology we are able to digitally verify income and use our secure online portal to......

  • Most people believe that you have to be physically present at your closing. That isn’t true. Today we use technology and a mobile notary to allow closing from any place in the United States, including Hawaii....

We’re fast.

Technology is a high priority for us. We use it to increase our the speed of our transactions and to make home financing more transparent. We work in the same office and collaborate together as a team.

What type of home load is right for you?

Our team leader, Eric.

Eric is one of the most disciplined and diligent individuals. He has an internal fire and desire to succeed at everything he does. The best part is he is 100% looking out for the individuals he is helping. His passion to help people shines through every single day with a smile and engaging attitude.


One of the best attributes of Eric is his communication skills. Given his management background, he is able to help borrowers decipher complex information in a simple and easy to understand format and explained in layman’s terms.

Eric Bibel Caliber Home Loans Encinitas Loan Advisor 500
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