Phil Caulfield Mortgage Lender
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
You Have Found Mortgage Companies In Burlingame CA 94010 I know why you are here. You did a search for the term "mortgage companies in Burlingame CA 94010". When the search engine delivered the results it was a random list filled with some lenders, some review sights, and some aggregation sights....
03/01/2013
I am a lender and, I have to admit, sometimes we have some pretty silly requests! The silliness has increased in recent years because of the increased documentation demands. I hear the wisecrack all of the time "What's next, are they going to want a blood sample?" Well, maybe not a blood sample, ...
02/27/2013
Looking for the lowest mortgage interest rate in the SF Bay Area? Are you searching for the lowest mortgage interest rate in the San Francisco Bay Area? Well, you need to look at other factors that come into play. George Souto does a great job here explaining what other factors come into play. Ma...
02/13/2013
145 CRESCENT AVENUE BURLINGAME CA 94010 $Upon Request | 4 BEDROOMS | 4.5 BATHROOMS | 2 DETACHED GARAGE | 3484 MOL SQUARE FEET This stunning new Craftsman style home is centrally located in Burlingame Park. Conveniently located and walking distance from the quaint shops and restaurants on Burling...
02/07/2013
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Does it make sense to buy a home now? Homebuyers ask themselves this question all of the time. Real estate agents have to have a good answer for it. You can take your best guess at the answer, but wouldn't it help if you could visualize the results of whatever decision you make? Of course it wo...
01/29/2013
1952 FOREST VIEW AVENUE HILLSBOROUGH CA 94010 $6,775,000 | 7 BEDROOMS | 8 BATHROOMS | 2 CAR PARKING | 5180 SQUARE FEET Authentic & classically elegant New England Colonial on 1.41 totally level lot.One of Hillsborough most revered Estates. Best,lower north location. Walk to downtown Burlingame. ...
01/28/2013
The FHA mortgage is an under-utlized financing tool here in the San Francisco Bay Area. Larry Bettag has written a very informative article about the main benefits of the FHA mortgage. The maximum loan amount here in most parts of the SF Bay Area is $729,750. For those of us that are income-rich ...
01/15/2013
Paying off a collection account can hurt your credit score! It does not make sense, right? Well Joseph Metzler does a great job explaining why in this very informative article about credit scoring.Minneapolis, MN: Sometimes life happens. Good people end up with bad credit. But for most, bad cre...
12/28/2012
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Gene Mundt found an interesting article about how credit scores are having an impact on the relationship scene! Hey singles out there - pay down your credit cards to help you find that perfect guy or gal! Knowing the Financial Philosophy and Standing of a Potential Partner is Growing in Import...
12/27/2012
There is great advice here from a realtor about the actions to avoid while you are in the process of finding and buying a home. These commandments will help homebuyers avoid a lot of headaches during this process! As a Realtor, when I meet with first-time buyers, we discuss ...
12/21/2012
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Phil Caulfield
I Get The Loans Done That The Big Banks Don't!
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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.