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
Trade-up home buying has a different set of issues to conquer than the first-time home buying process. The first-time home buying process is about education. The first-time home buyer is figuratively diving into the water for the first time. Whether they make a beautiful swan dive or belly flop d...
09/15/2013
Discover The Right Time To Remove Your Loan Contingency   The release of loan contingency is one of the most important decisions a buyer must make during the escrow process. A better question to ask is "when is it safe to remove my loan contingency?".  It is safe when you and your loan officer a...
09/15/2013
How To Get A Jumbo Mortgage Loan With A Low FICO Credit Score A jumbo mortgage loan with a low FICO credit score can be done! One of my sources of business lately has been picking up loans from real estate agents and other lenders that could not fit potential borrowers into their credit score box...
09/04/2013
I have written previously about the 3% down with no PMI loan program. Eligibility depends on two qualifiers: property location or income limits. You can buy a home anywhere in San Mateo County with this program if your income is less than $121,440. If it is more, than the property must be in one ...
08/29/2013
Do you ever get that little bird on your shoulder telling you that you should update your clients about what is happening in their transaction and when the important dates are? We all do, but sometimes we get so busy with everything else we have to do that we forget about this critical function i...
08/06/2013
Right now I am in the process of choosing Realtors® to work with to implement a listing presentation that will leave their competitors in the dust!  The whole idea is to go into the presentation with a set of marketing tools that have already been prepared for the seller, specific to their proper...
06/05/2013
"What will the payment be?" Is a question you, as a real estate agent, are probably asked all the time. You probably handle this question one of several ways: You pull out your HP 12-C (if you have it) and hopefully push the right buttons to get the payment You take a guess ("Oh its probably arou...
06/05/2013
What To Ask To Get The Best Fixed Mortgage Rates In California You want to get the best fixed mortgage rates when you apply for a loan, don't you? Of course you do! How, you may ask, do I make sure I get the best rates I possibly can?  It's simple, really. You need to know what questions to ask. ...
03/28/2013
In your search for a mortgage you may have asked yourself and others “What is the best loan product for me?” Well the answer to that question depends on a lot of variables. Variables such as how long you plan to stay in the home, your age, your tolerance for risk, etc.  Before answering that ques...
03/26/2013
Mortgage rates have always been a bit of mystery to consumers. We mortgage professionals have advertised rates in hopes of attracting business. I think that this type of advertising is deceptive because there are so many factors that go into a mortgage rate quote. Jason Gordon does a great job ex...
03/13/2013
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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.