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
In my opinion, the number one way to make a loan transaction fly through the process is by submitting an Awesome Loan Package! An Awesome Loan Package is actually very easy to put together. All it takes is a little attention to detail. Let's start with the loan application. The key idea I want yo...
Burlingame help or hurt the sale of your home? It’s a beautiful day in the neighborhood A beautiful day for a neighbor Would you be mine? Could you be mine? Please won’t you be my neighbor? In Mr. Roger’s neighborhood all the neighbors are good right?  Not so much with some of the neighbors we ha...
One of my friends posted this on Facebook - here is the how to use Twitter for Marketing Foster City Mortgage Financing  
There are many alternatives for mortgage financing of 250 Pelican Court Foster City. This home is currently listed for sale at a price of $830,888. Foster City real estate agent Steve Droz is representing the seller. You can purchase 250 Pelican Court with less than 20% down! FHA financing requir...
Are you working on a short sale in San Mateo County? A short sale has its own set of challenges. This article (the first in a series about short sales) talks about these challenges. San Mateo County has not seen many short sales until recently. It is now becoming more common. Having knowledge ab...
  Here is an excellent article that you should read if you are interested in condos for sale in Burlingame. The answers to these questions can help you narrow down your list of the condos for sale that you will probably be interested in purchasing.   Buying a condominium unit can be more involved...
I want to tell you about a strategy I am developing that will enhance my Twitter stature while at the same time giving exposure to my fellow ActiveRainers. How many bookmarks from ActiveRain do you have? I think I have around 75. I bookmarked these posts because I think they taught me something v...
There are twelve open houses scheduled for Woodside on Sunday February 28, 2010. Here is a list of these open houses for you:   1990 Portola Road, $7,495,000, Open 1:30 - 4:30 417 Eleanor Drive, $4,198,000, 1:30 - 4:30 1450 Bear Gulch Road, $2,999,999, 1 - 4 6000 Page Mill Road, $2,500,000, 1 - 4...
  Are you aware how difficult it is to get a jumbo loan these days? If you are selling your jumbo loan sized home or listing one, what are you doing to make it easier for a long line of qualified buyers able to buy your home?  One strategy you may want to consider is a seller carryback. A seller ...
Are you looking for a mortgage for a property in Hillsborough CA? I can help you. I work at RMC Real Estate Loans, located  conveniently to Hillsborough on Burlingame Avenue in downtown Burlingame. Our company is a mortgage brokerage that has been existence since 1976. A mortgage brokerage is a c...

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.