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
  Mike Cantwell wrote this post about a loan program that allows for repairs to be done after the close of escrow. This program is great for buyers of foreclosures in San Mateo County.   Michael Cantwell - Military Certified Call my work number  - 561-616-2661 Call my cell - 561-262-5366 Renovati...
09/11/2009
As a loan officer in California I specialize in the jumbo loan market. I have been encouraged recently by the re-appearance of some lenders (Suntrust, Citimortgage) into the jumbo loan space. Despite the increased competition, it is still very difficult to obtain a jumbo loan because of the stric...
09/10/2009
 Burlingame AYSO has its opening weekend this Saturday and Sunday, September 12th and 13th. Festivities start off with the annual parade at Burlingame High School. If you haven't been to the parade, you are in for a treat!   Burlingame AYSO brings in local dignitaries, such as the mayor, council ...
09/08/2009
Here is an interesting perspective from a San Mateo Real Estate Agent about what is happening in the Bay Area real estate sales market.More importantly: Have we seen bottom in San Francisco Bay Area ? Well I like to think we have seen bottom and in fact I think it has come and gone.  It happened ...
09/05/2009
Do you have transactions in California that make sense but are tough to place through institutional lenders, and deserve better than most hard money terms? Montecito Financial is a lender that you may want to consider contacting. In addition to my business as a mortgage broker, I am representing ...
09/04/2009
Are you looking for a jumbo loan in San Mateo, CA? I can help you. As a mortgage broker in Burlingame (right next door to San Mateo), I am able to match you with the best jumbo loan for your needs because we are partners with many of the best jumbo lenders in the country.As a mortgage broker, I s...
08/21/2009
A Burlingame business networking group was recently formed in June, 2009. It is under the auspices of BNI, the largest business networking group in the world. The goal of this group is to pass referrals to business owners that we know, like, and trust. If you are unfamiliar with BNI, here is a li...
08/19/2009
Are you looking at homes for sale in Burlingame? Burlingame is a very desirable area to live. Here are some tips for you if you are planning on financing with a loan the purchase of one of the Burlingame homes for sale. Although many of the homes for sale in Burlingame are valued for more than on...
08/18/2009
Are you looking for a construction loan in the Los Angeles, California area? Well, it has not been easy to find funding for a construction loan lately, but there are some sources starting to make funds available.  If this is the first time you have looked for a construction loan, there are some d...
08/14/2009
Are you looking for a construction loan in California? Well, it has not been easy to find funding for a construction loan lately, but there are some sources starting to make funds available. If this is the first time you have looked for a construction loan, there are some details that you need to...
08/14/2009
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Phil Caulfield

I Get The Loans Done That The Big Banks Don't!
smartphone(650) 222-0386
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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.