San Mateo Mortgage Lender | Phil Caulfield | Mortgage Lender San Mateo County CA

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Mortgage and Lending - Opes Advisors - NMLS#386911 DBO #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
You own a home. You want to buy another home before selling, but you don't have enough money to make a down payment on the type of home you want. Your down payment is trapped in your home! What can you do?I am here to help! The first thing you should do is use my buy a home before selling calcula...
05/22/2015
You have decided to sell your home. How are you going to decide what to do with your money, and/or spend the money?  I am going to help you decide! You may have had to consider where to move, what furnishings to keep, what furnishings to sell, placing your kids in new schools, etc.,etc. These dec...
03/19/2015
Here in the San Francisco Bay Area there are many buyers paying cash to buy a home in order to win in multiple offer situations in this very competitive market.  Paying cash is a great strategy to buy the home. The question the buyer must consider after closing escrow is "does it make sense to ge...
03/01/2015
Here at Opes Advisors, we have a unique approach to mortgage lending. To learn about our unique approach, click on the picture to watch a short video featuring Susan McHan, our CEO. You are frequently confronted with financial decisions. Can I afford the mortgage on a second home? Can I afford to...
12/05/2014
I started with Opes Advisors as a Branch Manager and originator in San Mateo, CA in February of this year. I have been an originator since 1985. I probably would have pursued management earlier, however, my wife and I have seven kids! I had enough on my plate managing our family! I was attracted ...
08/13/2014
Applying for a mortgage is like going out on a date - you want to look your best!  You may think you look your best with the documentation you have provided. The lender, however, may pick up on some "blemishes" that you have that you may not be aware of. The formula to qualify for a mortgage is p...
08/11/2014
Gene Mundt does a great job here explaining the mechanics of the debt-to-income (DTI) ratio calculation. This number has become more important than it has been in the past because the lenders are very concerned with your ability to repay. Gone are the days of getting approved simply because of su...
08/11/2014
"You have been countered, and you have two hours to make a decision" Rich the real estate agent told his clients Fred and Felicia Firsttimers.  Fred and Felicia were in the market to buy their first home. They searched the internet, went to open houses, and drove around the neighborhoods that the...
08/07/2014
Connecticut mortgage lender Rick Cignoli has written an excellent article about the credit score. Many consumers are unaware of the factors that affect their FICO score.  Rick explains the different factors and approximately how much rach factor  is weighted in the overall score. It is important ...
07/12/2014
Today the San Mateo Daily Journal published an article regarding new housing in Downtown Burlingame. When I saw the headline, two issues came to mind immediately, parking and traffic (if you have spent any time in Burlingame, you know about our parking issues in the downtown area).  If the city d...
07/09/2014
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Phil Caulfield

Mortgage Lender - San Francisco Bay Area
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