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
An article was published on SFGate yesterday stating that the median price for a Bay Area home increased 23.2 percent in March from the median price in March 2013. Wow! Imagine being a buyer looking for a home in this market! Prices are high and inventory is low. This article made me think about ...
04/17/2014
Last night (actually this morning, the game finished after midnight), the Giants won in walk off fashion when Hector Sanchez knocked in the game winning run with a base hit against their arch rival, the Dodgers. It's great to win if you have the walk-off hit! Your team wins the game! Your teamma...
04/16/2014
We have been in the lab testing a new strategy and the results are staggering! We tested it with a new agent who just received his license. We are talking green my friends.   It gets better; he came from the music industry and didn’t even know how to spell Real Estate. He was able to get over a m...
01/24/2014
Would you like to figure out how much of a mortgage you can qualify for? In order to find out how much of a loan you can be approved for, you need to know the mechanics of how a lender calculates what are called debt-to-income ratios. There are two debt-to-income ratios: the housing expense ratio...
01/08/2014
I want to earn the business of real estate agents. In order to earn your business, I have figured out a simple way to help you grow your business. All you have to do is share and follow up. The content I have for you to share is a recorded first-time homebuyer financing webinar. This seminar that...
12/13/2013
Loading... First time buyers are busy people in this day and age. They need information about the home financing process, but they want it when it is convenient for them. To make it convenient, I have recorded a first time buyer financing seminar (or webinar as some call it). This seminar will an...
12/13/2013
Questions I should ask the lender that is pre-approving my buyer When your buyer reports back to you how much the lender has pre-qualified them for, do you take that as the final answer? In my opinion you should not. Buyers don't know the questions they should ask because real estate and lending ...
11/18/2013
Did you know that the minimum credit score for a jumbo loan that is required by the big banks is 680? In some cases that minimum score required is 700 or 720! You may be losing out on the opportunity to help your clients obtain financing by taking what the big banks are telling you and your clien...
11/17/2013
Do I need to have a Facebook, LinkedIn, TwitterGoogle + and Pinterest account?  And should I beposting something of value on all these sites 3 timesa day? Yes, and you should be posting 3 times a day butit doesn’t have to take all day. We will show you on Tuesday November 19th from 9 to 10 AM Pa...
11/15/2013
Are you looking for the Wells Fargo mortgage telephone number? The phone number listed on their website is (877) 937-9357. Why, you may ask, am I providing the phone number of a competitor? I am providing this number for you because I know what information you want, and I am delivering that to yo...
11/14/2013
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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.