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
Many people are confused how to use Twitter in their real estate marketing. As a matter of fact, I'm really not clear how to use it for mortgage marketing! On Tuesday November 12, 2013 Elizabeth Rose is going to share how she has successfully used Twitter to grow her business, build her brand, an...
11/09/2013
  Have you pinned a post to your Facebook page? Do you know what pinning a post means? Do you know why pinning a post is important? If you have answered no to any of these questions, you have come to the right place! As you can see from the title, this blog post has three parts. The first part is...
11/05/2013
George Souto does a great job here explaining how the sales contract can raise red flags in front of the underwriter. As a real estate agent you need to know what these red flags are and how to avoid them.  Related Post - Discover The Right Time To Remove The Loan ContingencyThese days every Mort...
10/05/2013
If your clients smile when they think of you, do you think that they are more apt to refer you? The question you might have is "how do I make them smile?". Simple - congratulate them on their special moments! Birthdays, anniversaries, and graduations are some of these moments. Ok Caulfield, you s...
10/02/2013
I recently figured out that I have neglected my e-mail signature when in fact it could be an important part of growing my business! Like most people, my e-mail signature was pretty boring. Name, company name, address, phone number, fax number, and license number.                                  ...
09/28/2013
Rob Spinosa does a great job here of explaining that what makes up the components of getting the best "deal" on a mortgage. This is a great read for anybody who is looking for a mortgage. How to Get the Best Deal on Your Mortgage   So you’ve embarked upon the daunting task of shopping for the bes...
09/27/2013
"Have you set up a Facebook page to help market my house? The agent that was here before you has." What would you say and do if you were hit with this question by a potential seller during your listing presentation? Would you feel like a deer in headlights? Of course having a Facebook listing pag...
09/21/2013
5 Reasons Your Clients Will Thank You For Suggesting A Large Loan Getting the largest loan possible is counter-intuitive to most people. We have been trained through the ages that debt is bad, and it should be paid off as soon as possible.  However, there are benefits your clients can enjoy by ob...
09/19/2013
 A 5 minute read that will save you 5 days in the loan process! You are in contract. You have all types of deadlines: property inspection, loan contingency, close of escrow, etc. Let’s face it – this process is stressful!How can your stress be reduced? One way is by working with a mortgage lender...
09/19/2013
How To Make A 3% Down Payment And Not Pay PMI In California Would you like to buy a home with 3% down with no PMI or MIP mortgage insurance in California? Contrary to popular belief, it can be done, and I wouldn’t even consider it to be creative financing!In this article I am going to help you un...
09/19/2013
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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.