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
The last thing you want to worry about when you own a vacation home in California is the loan you have on it. You own a vacation home because you want a place to relax, not to add stress. As I was sitting at my desk looking at the terms of this loan, I thought "this is perfect for vacation homes"...
11/30/2009
Contrary to popular belief, super jumbo loans are available in California. I want to let you know what I have found to be the maximum loan amounts from the lenders that my company is approved with. As you may have guessed, the requirements for super jumbo loans have gotten stricter. In San Mateo ...
11/23/2009
Attention all you former Burlingame High School hoop stars! This coming Friday, November 27th, you have your chance to lace 'em up once again to show the young guys how to play the game. The first tip-off is at 3PM with a game against the freshman team. This is the first year in a long time that ...
11/23/2009
Here are ten reasons why you may need a private money loan in San Mateo County: Speed - private money lenders can move fast because they can give more attention to the files submitted. They are not processing hundreds or thousands of files per day, like banks do. stated income - private money len...
11/12/2009
Here is a list of open houses in Burlingame and Hillsborough that are listed for more than $2,000,000 that will occur on Sunday November 8th. The information for this list of open houses in Burlingame and Hillsborough was found on the MLSlistings.com website.    2980 Privet Drive - $4,800,000 - 2...
11/07/2009
  Here is the latest about the home buyer tax credit. If you are looking to buy a home in San Mateo County you should probably familiarize yourself with the requirements to qualify. The home buyer tax credit is going to be extended to move-up buyers. What kind of impact do you think this will hav...
11/05/2009
I have had real estate owners in San Mateo County ask me - what is a private money loan? A private money loan is a real estate loan funded by non-institutional sources. Non-institutional sources of private money loans vary. The source could be an individual. Often it is a group of people who have...
10/30/2009
  Richard Weisser wrote this interesting article about a new idea on how to fix the real estate market. I wrote an article in November, 2007, that had similar ideas. I don't necessarily agree with incentive tax policy, but I do think making the down payment tax deductible serves two purposes. Fir...
10/23/2009
Are you looking for an estate planning attorney in San Mateo? Harry Pedigo is an estate planning attorney that I have met through our mutual membership in the Burlingame chapter of BNI.  Harry Pedigo is a Bay Area native with a global interest. He received a BA degree from San Jose State and a JD...
10/22/2009
Many homeowners and home buyers in California have probably heard of a bridge loan but do not know what it is or who should obtain one. A bridge loan is usually a short-term loan (usually written for three months to three years) that provides funds to buy real estate from a piece of real property...
10/20/2009
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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.