Phil Caulfield Mortgage Lender

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Mortgage and Lending - Prosperity Home Mortgage - NMLS#386911
Burlingame, San Mateo, Hillsborough, Foster City, Millbrae, San Bruno, Belmont, San Francisco, San Carlos, Redwood City, Woodside, Menlo Park, Atherton, Palo Alto, Los Altos, Half Moon Bay
RECENT BLOG POSTS
You tell your real estate agent "I want to buy this house, how can I afford it?" It's the house of your dreams - the right number of bedrooms, a great kitchen, and a nice back yard. The problem: it's slightly out of your price range. What are your options? One option you could choose that can hel...
02/19/2010
  Are you looking at condos for sale in Burlingame? Here is a recently listed condo for sale by Mary Ann Teixeira of McGuire Real Estate in Burlingame. A 16% down payment will qualify this property for conforming financing up to $417,000.         Light, Bright, Top Floor, Jewel of a Condo in Burl...
02/16/2010
If you think you can't get a commercial loan in today's market, think again! Today, we closed escrow on a self-storage facility in South San Francisco. I am going to describe the terms of this commercial loan for you so that you can get an idea of the appetite for these type of loans, and what wa...
02/12/2010
Have you seen this new statue in downtown Burlingame? I was walking down to the convenience store to get a Diet Coke (I'm addicted), and I saw this statue in front of the former Coldwell Banker office. This office is currently vacant, so it was strange to see this statue implanted right in front ...
02/09/2010
Do you need a loan to complete construction in California? I may be able to help you. I have access to private money that will loan to complete construction on a wholesale basis, as well as working directly with borrowers. There are several reasons why you may need a loan to complete construction...
02/07/2010
  If you own one of the homes in Burlingame, you may want to read this article about details in the proposed budget. The mortgage interest deduction is on the chopping block! Owners of Homes in Burlingame would be effected because many of the homeowners' income exceeds the level that would be eff...
02/04/2010
If you own one of the homes in Burlingame, you may want to read this article about details in the proposed budget. The mortgage interest deduction is on the chopping block! Owners of Homes in Burlingame would be effected because many of the homeowners' income exceeds the level that would be effec...
02/04/2010
I recently helped some clients obtain a private money loan for a home they own in Walnut Creek, CA. Here is the story why a private money loan was the best solution for them. My clients purchased this home for their daughter and husband. They purchased it with cash, so there was no loan on the pr...
01/22/2010
Do you feel like lenders are doing everything they can to not make loans instead of make loans? I do. Many of them tease you with a loan approval, but then, GOTCHA! They have a condition attached that makes it impossible to get the loan done. This series will examine some of the conditions we mor...
01/13/2010
There are five open houses scheduled in Atherton on Sunday January 10, 2010, as of the time of this writing. Here is a list of these open houses for you: 37 De Bell Drive, $5,495,000, open house from 1:30 to 4 301 Stockbridge Avenue, $1,998,000, 1:30 to 4:30 73 Nora Way, $1,895,000, 1:30 to 4:30 ...
01/08/2010
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Phil Caulfield

I Get The Loans Done That The Big Banks Don't!
smartphone(650) 222-0386
Contact The Author
Phil Caulfield is a Loan Officer with Prosperity Home Mortgage LLC. I have experience with many types of loans, such as conforming, jumbo, FHA, and VA. I have worked with all types of clients, ranging from first- time buyers to high net worth individuals. As a mortgage banker, we are able to offer many different types of loan programs to meet the needs of a wide variety of clients. For example, we offer programs with low down payment requirements, which can be attractive to first-time buyers. We also can help clients who are having a difficult time qualifying with traditional income documentation by utilizing alternative documentation, such as bank statements, to qualify. Interest-only loans have been attractive to high net worth clients. These type of mortgages give the borrower more flexibility in terms of allocating funds into financial vehicles they deem to be the most attractive. The current mortgage landscape requires a tremendous amount of documentation and disclosure. My goal as a Loan Officer is to make the process as painless and as simple as possible. Having 30 years of experience has enabled me to anticipate the issues that may come up during the loan process. I work with my clients upfront to work through these issues so that the surprises during the processing of their mortgage are minimized. I grew up, live, and work in Burlingame. Many of my clients, naturally, are from Burlingame and the surrounding cities such as Hillsborough, San Mateo, Foster City, and Millbrae. I am licensed in the state of California, so I can help people who want to buy or own property anywhere in the state.